Ohio Valley Banc Corp. Logo

Ohio Valley Banc Corp.

OVBC

(2.8)
Stock Price

24,80 USD

0.81% ROA

7.97% ROE

9.78x PER

Market Cap.

109.295.200,00 USD

34.75% DER

3.79% Yield

14.2% NPM

Ohio Valley Banc Corp. Stock Analysis

Ohio Valley Banc Corp. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Ohio Valley Banc Corp. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.82x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a minimal amount of debt (41%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

4 ROE

The stock's ROE falls within an average range (9.45%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.99%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

7 Dividend Growth

The company's dividend growth has been consistently strong over the past three years, with annual increases that demonstrate its commitment to rewarding shareholders.

8 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (104), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

9 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

10 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

11 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

Ohio Valley Banc Corp. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Ohio Valley Banc Corp. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Hold

Ohio Valley Banc Corp. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Ohio Valley Banc Corp. Revenue
Year Revenue Growth
1996 16.200.000
1997 18.300.000 11.48%
1998 22.300.000 17.94%
1999 24.300.000 8.23%
2000 24.988.000 2.75%
2001 28.479.000 12.26%
2002 32.595.000 12.63%
2003 33.497.000 2.69%
2004 35.336.000 5.2%
2005 33.456.000 -5.62%
2006 34.320.000 2.52%
2007 33.763.000 -1.65%
2008 36.916.000 8.54%
2009 38.471.000 4.04%
2010 39.121.000 1.66%
2011 41.093.000 4.8%
2012 41.138.000 0.11%
2013 40.903.000 -0.57%
2014 42.463.000 3.67%
2015 42.092.000 -0.88%
2016 44.565.000 5.55%
2017 51.168.000 12.9%
2018 52.664.000 2.84%
2019 50.962.000 -3.34%
2020 49.420.000 -3.12%
2021 50.877.000 2.86%
2022 54.940.000 7.4%
2023 55.776.000 1.5%
2023 74.479.000 25.11%
2024 85.404.000 12.79%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Ohio Valley Banc Corp. Research and Development Expenses
Year Research and Development Expenses Growth
1996 0
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Ohio Valley Banc Corp. General and Administrative Expenses
Year General and Administrative Expenses Growth
1996 6.200.000
1997 7.100.000 12.68%
1998 8.100.000 12.35%
1999 9.200.000 11.96%
2000 9.300.000 1.08%
2001 9.815.000 5.25%
2002 10.641.000 7.76%
2003 11.571.000 8.04%
2004 12.592.000 8.11%
2005 12.837.000 1.91%
2006 12.497.000 -2.72%
2007 13.045.000 4.2%
2008 14.075.000 7.32%
2009 17.301.000 18.65%
2010 17.393.000 0.53%
2011 18.570.000 6.34%
2012 19.194.000 3.25%
2013 19.112.000 -0.43%
2014 19.488.000 1.93%
2015 19.340.000 -0.77%
2016 22.100.000 12.49%
2017 24.841.000 11.03%
2018 26.286.000 5.5%
2019 27.338.000 3.85%
2020 25.425.000 -7.52%
2021 26.239.000 3.1%
2022 21.950.000 -19.54%
2023 24.200.000 9.3%
2023 23.960.000 -1%
2024 25.388.000 5.62%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Ohio Valley Banc Corp. EBITDA
Year EBITDA Growth
1996 5.200.000
1997 5.900.000 11.86%
1998 6.800.000 13.24%
1999 7.300.000 6.85%
2000 7.795.000 6.35%
2001 8.220.000 5.17%
2002 9.238.000 11.02%
2003 10.670.000 13.42%
2004 13.495.000 20.93%
2005 11.570.000 -16.64%
2006 8.574.000 -34.94%
2007 9.981.000 14.1%
2008 10.897.000 8.41%
2009 10.117.000 -7.71%
2010 7.674.000 -31.83%
2011 8.869.000 13.47%
2012 10.966.000 19.12%
2013 11.996.000 8.59%
2014 12.065.000 0.57%
2015 12.348.000 2.29%
2016 8.908.000 -38.62%
2017 12.151.000 26.69%
2018 21.001.000 42.14%
2019 11.926.000 -76.09%
2020 12.369.000 3.58%
2021 14.064.000 12.05%
2022 18.805.000 25.21%
2023 10.728.000 -75.29%
2023 -605.000 1873.22%
2024 -668.000 9.43%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Ohio Valley Banc Corp. Gross Profit
Year Gross Profit Growth
1996 16.200.000
1997 18.300.000 11.48%
1998 22.300.000 17.94%
1999 24.300.000 8.23%
2000 24.988.000 2.75%
2001 28.479.000 12.26%
2002 32.595.000 12.63%
2003 33.497.000 2.69%
2004 35.336.000 5.2%
2005 33.456.000 -5.62%
2006 34.320.000 2.52%
2007 33.763.000 -1.65%
2008 36.916.000 8.54%
2009 38.471.000 4.04%
2010 39.121.000 1.66%
2011 41.093.000 4.8%
2012 41.138.000 0.11%
2013 40.903.000 -0.57%
2014 42.463.000 3.67%
2015 42.092.000 -0.88%
2016 44.565.000 5.55%
2017 51.168.000 12.9%
2018 52.664.000 2.84%
2019 50.962.000 -3.34%
2020 49.420.000 -3.12%
2021 50.877.000 2.86%
2022 54.940.000 7.4%
2023 55.776.000 1.5%
2023 74.494.000 25.13%
2024 85.412.000 12.78%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Ohio Valley Banc Corp. Net Profit
Year Net Profit Growth
1996 3.200.000
1997 3.700.000 13.51%
1998 4.100.000 9.76%
1999 4.300.000 4.65%
2000 4.400.000 2.27%
2001 4.895.000 10.11%
2002 5.675.000 13.74%
2003 6.472.000 12.31%
2004 8.381.000 22.78%
2005 7.017.000 -19.44%
2006 5.398.000 -29.99%
2007 6.297.000 14.28%
2008 7.128.000 11.66%
2009 6.645.000 -7.27%
2010 5.096.000 -30.4%
2011 5.835.000 12.66%
2012 7.052.000 17.26%
2013 8.112.000 13.07%
2014 8.073.000 -0.48%
2015 8.574.000 5.84%
2016 6.920.000 -23.9%
2017 7.509.000 7.84%
2018 11.944.000 37.13%
2019 9.907.000 -20.56%
2020 10.259.000 3.43%
2021 11.732.000 12.56%
2022 13.338.000 12.04%
2023 9.004.000 -48.13%
2023 12.631.000 28.72%
2024 11.888.000 -6.25%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Ohio Valley Banc Corp. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1996 0
1997 0 0%
1998 1 0%
1999 1 0%
2000 1 100%
2001 1 0%
2002 1 0%
2003 1 0%
2004 2 0%
2005 2 0%
2006 1 0%
2007 2 0%
2008 2 0%
2009 2 0%
2010 1 0%
2011 1 0%
2012 2 0%
2013 2 50%
2014 2 -100%
2015 2 50%
2016 2 -100%
2017 2 0%
2018 3 50%
2019 2 0%
2020 2 0%
2021 2 0%
2022 3 0%
2023 2 -100%
2023 3 50%
2024 3 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Ohio Valley Banc Corp. Free Cashflow
Year Free Cashflow Growth
1996 3.900.000
1997 3.700.000 -5.41%
1998 5.800.000 36.21%
1999 3.600.000 -61.11%
2000 5.272.000 31.71%
2001 8.148.000 35.3%
2002 -44.985.000 118.11%
2003 11.242.000 500.15%
2004 9.606.000 -17.03%
2005 9.858.000 2.56%
2006 10.337.000 4.63%
2007 11.285.000 8.4%
2008 8.666.000 -30.22%
2009 3.957.000 -119%
2010 11.656.000 66.05%
2011 15.733.000 25.91%
2012 10.394.000 -51.37%
2013 12.006.000 13.43%
2014 10.696.000 -12.25%
2015 8.448.000 -26.61%
2016 11.683.000 27.69%
2017 12.769.000 8.5%
2018 15.416.000 17.17%
2019 8.521.000 -80.92%
2020 9.041.000 5.75%
2021 12.052.000 24.98%
2022 14.002.000 13.93%
2023 0 0%
2023 17.707.000 100%
2024 3.856.999 -359.09%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Ohio Valley Banc Corp. Operating Cashflow
Year Operating Cashflow Growth
1996 5.200.000
1997 5.400.000 3.7%
1998 7.800.000 30.77%
1999 6.300.000 -23.81%
2000 6.116.000 -3.01%
2001 8.787.000 30.4%
2002 10.568.000 16.85%
2003 13.223.000 20.08%
2004 10.561.000 -25.21%
2005 10.531.000 -0.28%
2006 12.137.000 13.23%
2007 11.285.000 -7.55%
2008 9.349.000 -20.71%
2009 4.928.000 -89.71%
2010 12.329.000 60.03%
2011 16.182.000 23.81%
2012 10.831.000 -49.4%
2013 13.158.000 17.69%
2014 11.681.000 -12.64%
2015 10.398.000 -12.34%
2016 13.366.000 22.21%
2017 14.496.000 7.8%
2018 18.141.000 20.09%
2019 14.753.000 -22.96%
2020 12.491.000 -18.11%
2021 13.137.000 4.92%
2022 15.990.000 17.84%
2023 0 0%
2023 20.746.000 100%
2024 4.179.999 -396.32%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Ohio Valley Banc Corp. Capital Expenditure
Year Capital Expenditure Growth
1996 1.300.000
1997 1.700.000 23.53%
1998 2.000.000 15%
1999 2.700.000 25.93%
2000 844.000 -219.91%
2001 639.000 -32.08%
2002 55.553.000 98.85%
2003 1.981.000 -2704.29%
2004 955.000 -107.43%
2005 673.000 -41.9%
2006 1.800.000 62.61%
2007 0 0%
2008 683.000 100%
2009 971.000 29.66%
2010 673.000 -44.28%
2011 449.000 -49.89%
2012 437.000 -2.75%
2013 1.152.000 62.07%
2014 985.000 -16.95%
2015 1.950.000 49.49%
2016 1.683.000 -15.86%
2017 1.727.000 2.55%
2018 2.725.000 36.62%
2019 6.232.000 56.27%
2020 3.450.000 -80.64%
2021 1.085.000 -217.97%
2022 1.988.000 45.42%
2023 0 0%
2023 3.039.000 100%
2024 323.000 -840.87%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Ohio Valley Banc Corp. Equity
Year Equity Growth
1996 30.400.000
1997 34.200.000 11.11%
1998 40.700.000 15.97%
1999 42.700.000 4.68%
2000 49.492.000 13.72%
2001 51.300.000 3.52%
2002 63.875.000 19.69%
2003 54.408.000 -17.4%
2004 56.579.000 3.84%
2005 59.271.000 4.54%
2006 60.282.000 1.68%
2007 61.511.000 2%
2008 63.056.000 2.45%
2009 66.521.000 5.21%
2010 68.128.000 2.36%
2011 71.843.000 5.17%
2012 75.820.000 5.25%
2013 80.419.000 5.72%
2014 86.216.000 6.72%
2015 90.470.000 4.7%
2016 104.528.000 13.45%
2017 109.361.000 4.42%
2018 117.874.000 7.22%
2019 128.179.000 8.04%
2020 136.324.000 5.97%
2021 141.356.000 3.56%
2022 135.028.000 -4.69%
2023 136.793.000 1.29%
2023 144.007.000 5.01%
2024 145.757.000 1.2%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Ohio Valley Banc Corp. Assets
Year Assets Growth
1996 340.900.000
1997 364.100.000 6.37%
1998 447.400.000 18.62%
1999 522.100.000 14.31%
2000 561.658.000 7.04%
2001 634.999.000 11.55%
2002 696.356.000 8.81%
2003 707.327.000 1.55%
2004 729.120.000 2.99%
2005 749.719.000 2.75%
2006 764.361.000 1.92%
2007 783.418.000 2.43%
2008 781.108.000 -0.3%
2009 811.988.000 3.8%
2010 851.514.000 4.64%
2011 804.177.000 -5.89%
2012 768.472.000 -4.65%
2013 747.368.000 -2.82%
2014 778.668.000 4.02%
2015 796.285.000 2.21%
2016 954.640.000 16.59%
2017 1.026.290.000 6.98%
2018 1.030.493.000 0.41%
2019 1.013.272.000 -1.7%
2020 1.186.932.000 14.63%
2021 1.249.769.000 5.03%
2022 1.210.787.000 -3.22%
2023 1.313.952.000 7.85%
2023 1.352.135.000 2.82%
2024 1.403.317.000 3.65%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Ohio Valley Banc Corp. Liabilities
Year Liabilities Growth
1996 310.500.000
1997 329.900.000 5.88%
1998 406.700.000 18.88%
1999 479.400.000 15.16%
2000 512.166.000 6.4%
2001 583.699.000 12.26%
2002 632.481.000 7.71%
2003 652.919.000 3.13%
2004 672.541.000 2.92%
2005 690.448.000 2.59%
2006 704.079.000 1.94%
2007 721.907.000 2.47%
2008 718.052.000 -0.54%
2009 745.467.000 3.68%
2010 783.386.000 4.84%
2011 732.334.000 -6.97%
2012 692.652.000 -5.73%
2013 666.949.000 -3.85%
2014 692.452.000 3.68%
2015 705.815.000 1.89%
2016 850.112.000 16.97%
2017 916.929.000 7.29%
2018 912.619.000 -0.47%
2019 43.544.000 -1995.85%
2020 37.243.000 -16.92%
2021 29.309.000 -27.07%
2022 27.739.000 -5.66%
2023 55.502.000 50.02%
2023 1.208.128.000 95.41%
2024 1.257.560.000 3.93%

Ohio Valley Banc Corp. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
16.32
Net Income per Share
2.37
Price to Earning Ratio
9.78x
Price To Sales Ratio
1.41x
POCF Ratio
6.22
PFCF Ratio
7.1
Price to Book Ratio
0.75
EV to Sales
0.69
EV Over EBITDA
24.06
EV to Operating CashFlow
3.01
EV to FreeCashFlow
3.46
Earnings Yield
0.1
FreeCashFlow Yield
0.14
Market Cap
0,11 Bil.
Enterprise Value
0,05 Bil.
Graham Number
40.5
Graham NetNet
-219.38

Income Statement Metrics

Net Income per Share
2.37
Income Quality
1.57
ROE
0.08
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.82
EBT Per Ebit
0.97
Ebit per Revenue
0.18
Effective Tax Rate
0.18

Margins

Sales, General, & Administrative to Revenue
0.21
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.04
Operating Profit Margin
0.18
Pretax Profit Margin
0.17
Net Profit Margin
0.14

Dividends

Dividend Yield
0.04
Dividend Yield %
3.79
Payout Ratio
0.37
Dividend Per Share
0.88

Operating Metrics

Operating Cashflow per Share
3.73
Free CashFlow per Share
3.25
Capex to Operating CashFlow
0.13
Capex to Revenue
0.03
Capex to Depreciation
152.27
Return on Invested Capital
0.06
Return on Tangible Assets
0.01
Days Sales Outstanding
20.28
Days Payables Outstanding
0
Days of Inventory on Hand
20436167.5
Receivables Turnover
17.99
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.48

Balance Sheet

Cash per Share
57,05
Book Value per Share
30,75
Tangible Book Value per Share
29.21
Shareholders Equity per Share
30.75
Interest Debt per Share
13.31
Debt to Equity
0.35
Debt to Assets
0.04
Net Debt to EBITDA
-25.29
Current Ratio
0.21
Tangible Asset Value
0,14 Bil.
Net Current Asset Value
-1,15 Bil.
Invested Capital
-385121000
Working Capital
-0,42 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
-122688500
Debt to Market Cap
0.46

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Ohio Valley Banc Corp. Dividends
Year Dividends Growth
1995 1
1996 1 0%
1997 1 0%
1998 1 0%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 100%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 100%
2024 1 0%

Ohio Valley Banc Corp. Profile

About Ohio Valley Banc Corp.

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 also 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 boxes, wire transfers, credit card services, 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 machine (ATM) services, consumer finance, seasonal tax preparation services, and commercial property and various liability insurance services, as well as trust and online-only consumer direct mortgage services. It operates sixteen offices in Ohio and West Virginia; and six consumer finance offices in Ohio. The company owns and operates thirty- six ATMs, including twenty off-site ATMs. Ohio Valley Banc Corp. was founded in 1872 and is headquartered in Gallipolis, Ohio.

CEO
Mr. Larry E. Miller II
Employee
270
Address
420 Third Avenue
Gallipolis, 45631

Ohio Valley Banc Corp. Executives & BODs

Ohio Valley Banc Corp. Executives & BODs
# Name Age
1 Mr. Larry E. Miller II
President, Chief Executive Officer & Director
70
2 Mr. Bryan F. Stepp
Senior Vice President of Lending/Credit
70
3 Mr. Tommy R. Shepherd
Senior Vice President & Secretary
70
4 Mr. Scott W. Shockey
Senior Vice President & Chief Financial Officer
70
5 Mr. Ryan J. Jones
Chief Operating & Risk Officer
70

Ohio Valley Banc Corp. Competitors