Ohio Valley Banc Corp.
Ohio Valley Banc Corp. Fundamental Analysis
Ohio Valley Banc Corp. (OVBC) shows moderate financial fundamentals with a PE ratio of 13.96, profit margin of 16.05%, and ROE of 9.29%. The company generates $0.1B in annual revenue with moderate year-over-year growth of 5.93%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 59.6/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze OVBC's fundamental strength across five key dimensions:
Efficiency Score
WeakOVBC struggles to generate sufficient returns from assets.
Valuation Score
ExcellentOVBC trades at attractive valuation levels.
Growth Score
ExcellentOVBC delivers strong and consistent growth momentum.
Financial Health Score
ExcellentOVBC maintains a strong and stable balance sheet.
Profitability Score
ModerateOVBC maintains healthy but balanced margins.
Key Financial Metrics
Is OVBC Expensive or Cheap?
P/E Ratio
OVBC trades at 13.96 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, OVBC's PEG of 0.62 indicates potential undervaluation.
Price to Book
The market values Ohio Valley Banc Corp. at 1.26 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 9.38 times EBITDA. This is generally considered low.
How Well Does OVBC Make Money?
Net Profit Margin
For every $100 in sales, Ohio Valley Banc Corp. keeps $16.05 as profit after all expenses.
Operating Margin
Core operations generate 19.84 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $9.29 in profit for every $100 of shareholder equity.
ROA
Ohio Valley Banc Corp. generates $0.92 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Ohio Valley Banc Corp. produces operating cash flow of $18.06M, showing steady but balanced cash generation.
Free Cash Flow
Ohio Valley Banc Corp. generates strong free cash flow of $17.03M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $3.61 in free cash annually.
FCF Yield
OVBC converts 7.92% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
13.96
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.62
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.26
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.24
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.31
vs 25 benchmark
Current Ratio
Current assets to current liabilities
24874.43
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.09
vs 25 benchmark
ROA
Return on assets percentage
0.009
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How OVBC Stacks Against Its Sector Peers
| Metric | OVBC Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 13.96 | 18.95 | Better (Cheaper) |
| ROE | 9.29% | 807.00% | Weak |
| Net Margin | 16.05% | 1289.00% | Weak |
| Debt/Equity | 0.31 | 0.97 | Strong (Low Leverage) |
| Current Ratio | 24874.43 | 622.28 | Strong Liquidity |
| ROA | 0.92% | -23448.00% (disorted) | Weak |
OVBC outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Ohio Valley Banc Corp.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
72.15%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
54.54%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
46.96%
Industry Style: Value, Dividend, Cyclical
High Growth