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Upturn AI SWOT - About
OVBC 
Ohio Valley Banc Corp (OVBC)
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Upturn Advisory Summary
10/27/2025: OVBC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -15.58% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 142.18M USD | Price to earnings Ratio 11.26 | 1Y Target Price - |
Price to earnings Ratio 11.26 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.12 | 52 Weeks Range 18.89 - 40.74 | Updated Date 06/29/2025 |
52 Weeks Range 18.89 - 40.74 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.04% | Basic EPS (TTM) 2.68 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.43% | Operating Margin (TTM) 35.03% |
Management Effectiveness
Return on Assets (TTM) 0.87% | Return on Equity (TTM) 8.37% |
Valuation
Trailing PE 11.26 | Forward PE - | Enterprise Value 69490008 | Price to Sales(TTM) 2.3 |
Enterprise Value 69490008 | Price to Sales(TTM) 2.3 | ||
Enterprise Value to Revenue 2.98 | Enterprise Value to EBITDA - | Shares Outstanding 4711000 | Shares Floating 3706851 |
Shares Outstanding 4711000 | Shares Floating 3706851 | ||
Percent Insiders 19.72 | Percent Institutions 18.62 |
Upturn AI SWOT
Ohio Valley Banc Corp
Company Overview
History and Background
Ohio Valley Banc Corp. was founded in 1872 and is based in Gallipolis, Ohio. It has grown through organic expansion and acquisitions, focusing on community banking in the Ohio River Valley region.
Core Business Areas
- Community Banking: Offers traditional banking services including checking and savings accounts, loans, and mortgages to individuals and small businesses.
Leadership and Structure
Ohio Valley Banc Corp's leadership consists of a board of directors and executive management team. The organizational structure is typical of a community bank, with departments for lending, operations, and customer service.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including expansion and working capital. Market share data not readily available; competition includes other regional banks and credit unions.
- Residential Mortgages: Offers mortgage loans for home purchases and refinancing. Market share data not readily available; competition includes national mortgage lenders and local banks.
- Personal Banking: Savings, checking, and loans targeted to individuals in the Ohio River Valley market. Market share data not readily available. Competitors include other community banks and credit unions in the region.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as increasing interest rates, regulatory changes, and competition from fintech companies. Community banks are focused on maintaining customer relationships and adapting to technological advancements.
Positioning
Ohio Valley Banc Corp is a community bank focused on serving the Ohio River Valley region. Its competitive advantages include local expertise and strong customer relationships.
Total Addressable Market (TAM)
TAM for community banking in the Ohio River Valley region is estimated at several billion dollars. Ohio Valley Banc Corp is positioned to capture a portion of this market by focusing on its local presence and customer service.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Strong financial performance
Weaknesses
- Limited geographic reach
- Dependence on local economy
- Less technological innovation compared to larger banks
- Relatively small size may limit investment options
Opportunities
- Expansion into neighboring markets
- Increased adoption of digital banking services
- Strategic acquisitions
- Growing demand for personalized banking services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in the Ohio River Valley region
- Regulatory changes
- Rising interest rates
Competitors and Market Share
Key Competitors
- CFNB
- WSFS
- FNB
Competitive Landscape
Ohio Valley Banc Corp faces competition from larger regional banks and credit unions. Its advantages include its local presence and strong customer relationships. Its disadvantages include its smaller size and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Ohio Valley Banc Corp's growth has been steady, driven by organic expansion and strategic acquisitions.
Future Projections: Future growth is expected to be driven by continued expansion into neighboring markets and increased adoption of digital banking services.
Recent Initiatives: Recent initiatives include investments in technology and expansion of branch network.
Summary
Ohio Valley Banc Corp. is a community bank with a stable presence and customer-focused approach in the Ohio River Valley. Its strengths lie in its local expertise and strong customer relationships, but it faces challenges from larger competitors and economic uncertainties. Future growth depends on strategic expansion and technology adoption. The company maintains a focus on community values and traditional banking.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share and financial data may be estimates due to limited publicly available information.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Ohio Valley Banc Corp
Exchange NASDAQ | Headquaters Gallipolis, OH, United States | ||
IPO Launch date 1996-02-09 | President, CEO & Director Mr. Larry E. Miller II | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 252 | Website https://www.ovbc.com |
Full time employees 252 | Website https://www.ovbc.com | ||
Ohio Valley Banc Corp. operates as the bank holding company for The Ohio Valley Bank Company that provides commercial and consumer banking products and services. The company operates in two segments, Banking and Consumer Finance. It accepts various deposit products, including checking, savings, time, and money market accounts, as well as individual retirement accounts, demand deposits, NOW accounts, and certificates of deposit. The company provides various residential real estate loans, including one-to four-family residential mortgages; commercial loans for securing equipment, inventory, stock, commercial real estate, and rental property; and consumer loans secured by automobiles, mobile homes, recreational vehicles, and other personal property, as well as personal loans, unsecured credit card receivables, floor plan and student loans, and construction loans. In addition, it offers safe deposit box, wire transfer, credit card, home equity loans, and Internet banking services; and financial management online services, such as cash management and news updates related to repossession auctions, current rates, and general bank news. Further, the company provides automatic teller machines (ATMs), consumer finance, seasonal tax preparation, commercial property, and various liability insurance services, as well as trust and online-only consumer direct mortgage services. The company owns and operates ATMs, including off-site ATMs. It operates offices in Ohio and West Virginia. The company was founded in 1872 and is based in Gallipolis, Ohio.
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