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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash-to-Debt 0.76
OVBC's Cash-to-Debt is ranked higher than
51% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.09 vs. OVBC: 0.76 )
Ranked among companies with meaningful Cash-to-Debt only.
OVBC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.15  Med: 0.46 Max: 5.03
Current: 0.76
0.15
5.03
Equity-to-Asset 0.11
OVBC's Equity-to-Asset is ranked lower than
52% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OVBC: 0.11 )
Ranked among companies with meaningful Equity-to-Asset only.
OVBC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.12
Current: 0.11
0.07
0.12
Debt-to-Equity 0.45
OVBC's Debt-to-Equity is ranked higher than
61% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. OVBC: 0.45 )
Ranked among companies with meaningful Debt-to-Equity only.
OVBC' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.16  Med: 0.97 Max: 2.12
Current: 0.45
0.16
2.12
Interest Coverage 2.73
OVBC's Interest Coverage is ranked higher than
66% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.74 vs. OVBC: 2.73 )
Ranked among companies with meaningful Interest Coverage only.
OVBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.34  Med: 1.17 Max: 4.01
Current: 2.73
0.34
4.01
Beneish M-Score: -2.44
WACC vs ROIC
3.36%
8.47%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating Margin % 19.43
OVBC's Operating Margin % is ranked lower than
76% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. OVBC: 19.43 )
Ranked among companies with meaningful Operating Margin % only.
OVBC' s Operating Margin % Range Over the Past 10 Years
Min: 16.89  Med: 24.87 Max: 27.04
Current: 19.43
16.89
27.04
Net Margin % 15.19
OVBC's Net Margin % is ranked lower than
73% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.82 vs. OVBC: 15.19 )
Ranked among companies with meaningful Net Margin % only.
OVBC' s Net Margin % Range Over the Past 10 Years
Min: 13.03  Med: 18 Max: 20.37
Current: 15.19
13.03
20.37
ROE % 7.03
OVBC's ROE % is ranked lower than
62% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.56 vs. OVBC: 7.03 )
Ranked among companies with meaningful ROE % only.
OVBC' s ROE % Range Over the Past 10 Years
Min: 7.03  Med: 9.7 Max: 11.44
Current: 7.03
7.03
11.44
ROA % 0.77
OVBC's ROA % is ranked lower than
58% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. OVBC: 0.77 )
Ranked among companies with meaningful ROA % only.
OVBC' s ROA % Range Over the Past 10 Years
Min: 0.61  Med: 0.87 Max: 1.09
Current: 0.77
0.61
1.09
3-Year Revenue Growth Rate 0.60
OVBC's 3-Year Revenue Growth Rate is ranked lower than
69% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. OVBC: 0.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
OVBC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -0.1  Med: 4.65 Max: 11
Current: 0.6
-0.1
11
3-Year EBITDA Growth Rate -7.70
OVBC's 3-Year EBITDA Growth Rate is ranked lower than
84% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. OVBC: -7.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
OVBC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -8.2  Med: 6.75 Max: 18.1
Current: -7.7
-8.2
18.1
3-Year EPS without NRI Growth Rate -7.40
OVBC's 3-Year EPS without NRI Growth Rate is ranked lower than
82% of the 1241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. OVBC: -7.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
OVBC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -7.7  Med: 6 Max: 19.7
Current: -7.4
-7.7
19.7
GuruFocus has detected 1 Warning Sign with Ohio Valley Banc Corporation $OVBC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» OVBC's 30-Y Financials

Financials (Next Earnings Date: 2017-10-27 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2016

OVBC Guru Trades in Q3 2016

Jim Simons 11,400 sh (+18.75%)
» More
Q4 2016

OVBC Guru Trades in Q4 2016

Jim Simons 13,900 sh (+21.93%)
» More
Q1 2017

OVBC Guru Trades in Q1 2017

Jim Simons 14,900 sh (+7.19%)
» More
Q2 2017

OVBC Guru Trades in Q2 2017

Jim Simons 28,393 sh (+90.56%)
» More
» Details

Insider Trades

Latest Guru Trades with OVBC

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:OTCPK:CWBB, NAS:PKBK, OTCPK:FRAF, NAS:OPOF, NAS:DNBF, OTCPK:FDBC, NAS:SBBX, NAS:TRCB, NAS:FCCY, NAS:ENFC, OTCPK:QNBC, NAS:SLCT, NAS:FCCO, NAS:MBCN, OTCBB:FKYS, OTCPK:STND, NAS:UBFO, OTCPK:FNRN, NAS:CFNB, NAS:TCFC » details
Headquarter Location:USA
Ohio Valley Banc Corporation is a financial holding company. It is engaged in commercial and retail banking. It is a full-service financial institution, offers commercial and consumer banking services in Ohio as well as western West Virginia.

Ohio Valley Banc Corporation was incorporated under the laws of the State of Ohio on January 8, 1992 and began conducting business on October 23, 1992. It is a financial holding company, engaged in commercial and retail banking. The Company is engaged in certain non-banking activities under the provisions of the Gramm-Leach-Bliley Act, such as securities underwriting and dealing activities, insurance agency and underwriting activities and merchant banking/equity investment activities. It is also engaged in insurance underwriting activities through a minority interest in ProAlliance Corp. It also has an insurance agency in Ohio Valley Financial Services that is used to facilitate the commission receipts on insurance. It presently has fifteen offices located in Ohio and West Virginia, all but one offering automatic teller machines. Seven of these offices also offer drive-up services. It is a full-service financial institution offering a blend of commercial and consumer banking services within southeastern Ohio as well as western West Virginia. The banking services offered by the Company include the acceptance of deposits in checking, savings, time and money market accounts; the making and servicing of personal, commercial, floor plan and student loans; and the making of construction and real estate loans. It also offers individual retirement accounts, safe deposit boxes, wire transfers and other standard banking products and services. As part of its lending function, It offers credit card services. The company offers trust services. The trust department acts as trustee under wills, trusts and profit sharing plans, as executor and administrator of estates, and as guardian for estates of minors and incompetents. It offers an automated telephone banking system, OVB Line, which allows customers to access their personal accounts or business account information, make loan payments or fund transfers and obtain current rate information, all from a touch-tone telephone. It also offers Internet banking to its customers, which allows customers to perform various transactions using a computer from any location as long as they have access to the Internet and a secure browser. It offers other financial management online services, such as cash management and news updates related to repossession auctions, current rates and general bank news. The Company operates in two segments; banking and consumer finance. The Company competes with non-financial institutions that offer financial products and services.

Top Ranked Articles about Ohio Valley Banc Corporation

OVBC Announces Cash Dividend

Ratios

vs
industry
vs
history
PE Ratio 22.03
OVBC's PE Ratio is ranked lower than
80% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. OVBC: 22.03 )
Ranked among companies with meaningful PE Ratio only.
OVBC' s PE Ratio Range Over the Past 10 Years
Min: 9.65  Med: 12.5 Max: 23.58
Current: 22.03
9.65
23.58
PE Ratio without NRI 22.03
OVBC's PE Ratio without NRI is ranked lower than
80% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. OVBC: 22.03 )
Ranked among companies with meaningful PE Ratio without NRI only.
OVBC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.65  Med: 12.5 Max: 23.58
Current: 22.03
9.65
23.58
Price-to-Owner-Earnings 26.05
OVBC's Price-to-Owner-Earnings is ranked lower than
87% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. OVBC: 26.05 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
OVBC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 10.45  Med: 13.95 Max: 27.88
Current: 26.05
10.45
27.88
PB Ratio 1.50
OVBC's PB Ratio is ranked lower than
72% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. OVBC: 1.50 )
Ranked among companies with meaningful PB Ratio only.
OVBC' s PB Ratio Range Over the Past 10 Years
Min: 0.91  Med: 1.14 Max: 1.97
Current: 1.5
0.91
1.97
PS Ratio 3.35
OVBC's PS Ratio is ranked lower than
51% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. OVBC: 3.35 )
Ranked among companies with meaningful PS Ratio only.
OVBC' s PS Ratio Range Over the Past 10 Years
Min: 1.55  Med: 2.22 Max: 3.57
Current: 3.35
1.55
3.57
Price-to-Free-Cash-Flow 18.00
OVBC's Price-to-Free-Cash-Flow is ranked lower than
71% of the 856 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. OVBC: 18.00 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
OVBC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.93  Med: 9.28 Max: 78.18
Current: 18
3.93
78.18
Price-to-Operating-Cash-Flow 14.43
OVBC's Price-to-Operating-Cash-Flow is ranked lower than
65% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.46 vs. OVBC: 14.43 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
OVBC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.8  Med: 8.35 Max: 30.74
Current: 14.43
3.8
30.74
EV-to-EBIT 18.62
OVBC's EV-to-EBIT is ranked higher than
54% of the 1241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. OVBC: 18.62 )
Ranked among companies with meaningful EV-to-EBIT only.
OVBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -1.8  Med: 9 Max: 23
Current: 18.62
-1.8
23
EV-to-EBITDA 18.47
OVBC's EV-to-EBITDA is ranked higher than
50% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.98 vs. OVBC: 18.47 )
Ranked among companies with meaningful EV-to-EBITDA only.
OVBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -1.8  Med: 9 Max: 23
Current: 18.47
-1.8
23
EV-to-Revenue 3.63
OVBC's EV-to-Revenue is ranked higher than
72% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.86 vs. OVBC: 3.63 )
Ranked among companies with meaningful EV-to-Revenue only.
OVBC' s EV-to-Revenue Range Over the Past 10 Years
Min: -0.4  Med: 2.1 Max: 5.2
Current: 3.63
-0.4
5.2
PEG Ratio 15.38
OVBC's PEG Ratio is ranked lower than
97% of the 821 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.45 vs. OVBC: 15.38 )
Ranked among companies with meaningful PEG Ratio only.
OVBC' s PEG Ratio Range Over the Past 10 Years
Min: 0.97  Med: 2.11 Max: 45.71
Current: 15.38
0.97
45.71
Shiller PE Ratio 18.70
OVBC's Shiller PE Ratio is ranked higher than
55% of the 501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.54 vs. OVBC: 18.70 )
Ranked among companies with meaningful Shiller PE Ratio only.
OVBC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 9.11  Med: 12.32 Max: 19.92
Current: 18.7
9.11
19.92

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.41
OVBC's Dividend Yield % is ranked lower than
56% of the 2354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. OVBC: 2.41 )
Ranked among companies with meaningful Dividend Yield % only.
OVBC' s Dividend Yield % Range Over the Past 10 Years
Min: 2.26  Med: 3.71 Max: 5.21
Current: 2.41
2.26
5.21
Dividend Payout Ratio 0.54
OVBC's Dividend Payout Ratio is ranked lower than
78% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. OVBC: 0.54 )
Ranked among companies with meaningful Dividend Payout Ratio only.
OVBC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.32  Med: 0.47 Max: 0.66
Current: 0.54
0.32
0.66
3-Year Dividend Growth Rate 10.10
OVBC's 3-Year Dividend Growth Rate is ranked higher than
62% of the 794 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. OVBC: 10.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
OVBC' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -9.1  Med: 6.05 Max: 12.3
Current: 10.1
-9.1
12.3
Forward Dividend Yield % 2.41
OVBC's Forward Dividend Yield % is ranked lower than
62% of the 2231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. OVBC: 2.41 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.29
OVBC's 5-Year Yield-on-Cost % is ranked lower than
68% of the 2778 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.98 vs. OVBC: 2.29 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
OVBC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.14  Med: 3.51 Max: 4.93
Current: 2.29
2.14
4.93
3-Year Average Share Buyback Ratio -4.40
OVBC's 3-Year Average Share Buyback Ratio is ranked lower than
62% of the 1065 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. OVBC: -4.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
OVBC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -4.4  Med: 0.05 Max: 2.2
Current: -4.4
-4.4
2.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.61
OVBC's Price-to-Tangible-Book is ranked lower than
68% of the 1573 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. OVBC: 1.61 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
OVBC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.97  Med: 1.66 Max: 3.07
Current: 1.61
0.97
3.07
Price-to-Intrinsic-Value-Projected-FCF 0.87
OVBC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
58% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. OVBC: 0.87 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
OVBC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.45  Med: 0.67 Max: 210
Current: 0.87
0.45
210
Price-to-Median-PS-Value 1.50
OVBC's Price-to-Median-PS-Value is ranked lower than
83% of the 1527 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. OVBC: 1.50 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
OVBC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.74  Med: 1.25 Max: 2.49
Current: 1.5
0.74
2.49
Price-to-Graham-Number 1.26
OVBC's Price-to-Graham-Number is ranked lower than
75% of the 1414 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. OVBC: 1.26 )
Ranked among companies with meaningful Price-to-Graham-Number only.
OVBC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.66  Med: 1.07 Max: 1.99
Current: 1.26
0.66
1.99
Earnings Yield (Greenblatt) % 5.39
OVBC's Earnings Yield (Greenblatt) % is ranked higher than
65% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.91 vs. OVBC: 5.39 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
OVBC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -159  Med: 10.6 Max: 129.7
Current: 5.39
-159
129.7
Forward Rate of Return (Yacktman) % 4.58
OVBC's Forward Rate of Return (Yacktman) % is ranked lower than
66% of the 934 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.21 vs. OVBC: 4.58 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
OVBC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -1.5  Med: 11 Max: 26.4
Current: 4.58
-1.5
26.4

More Statistics

Revenue (TTM) (Mil) $48.32
EPS (TTM) $ 1.58
Beta0.08
Short Percentage of Float4.80%
52-Week Range $22.01 - 37.50
Shares Outstanding (Mil)4.68
» More Articles for OVBC

Headlines

Articles On GuruFocus.com
OVBC Announces Cash Dividend Jul 18 2017 
Ohio Valley Banc Corp. Reports Operating Results (10-K) Mar 16 2011 
Ohio Valley Banc Corp. Reports Operating Results (10-Q) May 10 2010 
Ohio Valley Banc Corp. Reports Operating Results (10-Q) Nov 09 2009 
Ohio Valley Banc Corp. Reports Operating Results (10-Q) Aug 10 2009 
Ohio Valley Banc Corp. Reports Operating Results (10-Q) May 11 2009 

More From Other Websites
ETFs with exposure to Ohio Valley Banc Corp. : September 19, 2017 Sep 19 2017
Ohio Valley Banc Corp. :OVBC-US: Earnings Analysis: Q2, 2017 By the Numbers : September 15, 2017 Sep 15 2017
Ohio Valley Banc Corp. : OVBC-US: Dividend Analysis : July 28th, 2017 (record date) : By the numbers... Aug 28 2017
Ohio Valley Banc Corp. Reports 2nd Quarter Earnings Jul 27 2017
OVBC Announces Cash Dividend Jul 18 2017
Ohio Valley Banc Corp. Joins Russell 3000 Index Jun 26 2017
Ohio Valley Banc Corp. :OVBC-US: Earnings Analysis: Q1, 2017 By the Numbers : June 9, 2017 Jun 09 2017
Ohio Valley Banc posts 1Q profit Apr 27 2017
Ohio Valley Banc Corp. Reports 1st Quarter Earnings Apr 27 2017
Ohio Valley Banc Corp. : OVBC-US: Dividend Analysis : April 28th, 2017 (record date) : By the... Apr 26 2017
Ohio Valley Banc Corp. :OVBC-US: Earnings Analysis: Q4, 2016 By the Numbers : March 24, 2017 Mar 24 2017
Ohio Valley Banc Corp. : OVBC-US: Dividend Analysis : January 27th, 2017 (record date) : By the... Mar 17 2017
Canady & Robbins Join OVBC and OVB Boards Feb 21 2017
Ohio Valley Banc Corp. :OVBC-US: Earnings Analysis: 2016 By the Numbers : February 14, 2017 Feb 14 2017
Ohio Valley Banc Corp. Reports 4th Quarter and Fiscal Year Earnings Feb 08 2017
Ohio Valley Banc Corp. :OVBC-US: Earnings Analysis: Q3, 2016 By the Numbers : October 31, 2016 Oct 31 2016
Ohio Valley Banc Corp. Reports 3rd Quarter Earnings Oct 27 2016

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