Ohio Valley Banc Corp. (OVBC)
Financial Services · NGM
Fundamentals
Valuation and ratings
Ohio Valley Banc Corp. trades at USD42.14, close to the USD36.36 our discounted cash flow model puts on the business. On this measure the market and the model broadly agree, so the interesting question is which of them is wrong.
Our moat model scores it 28 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 13.2 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
OVBC dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | USD0.730 | 3 |
| 2025 | USD0.910 | 4 |
| 2024 | USD0.880 | 4 |
| 2023 | USD1.02 | 5 |
| 2022 | USD0.990 | 5 |
| 2021 | USD0.840 | 4 |
| 2020 | USD0.840 | 4 |
| 2019 | USD0.840 | 4 |
| 2018 | USD0.840 | 4 |
| 2017 | USD0.840 | 4 |
| 2016 | USD0.840 | 4 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
OVBC earnings and analyst estimates
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
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 retail banking products and services. 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. 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.
OVBC passes 1 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
2 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- Renaissance Technologies, RENAISSANCE TECHNOLOGIES LLC$648.0K · 0.0% of book
- Arrowstreet Capital, ARROWSTREET CAPITAL, LIMITED PARTNERSHIP$255.6K · 0.0% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
Common questions
Is Ohio Valley Banc Corp. (OVBC) undervalued?
Against our discounted cash flow estimate of USD36.36, OVBC at USD42.14 is 14% above fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.
Which funds own OVBC?
2 of the institutions we track reported a position in OVBC in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is OVBC's P/E ratio?
OVBC trades at 13.2 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does Ohio Valley Banc Corp. (OVBC) pay a dividend?
Yes. Ohio Valley Banc Corp. yields 2.29% at the current share price. It has paid USD0.960 per share over the trailing twelve months. It has paid a dividend in each of the last 31 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
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Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.