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Ohio Valley BancOVBC +1.13%49 Cash-to-Debt is 1.51 as of Jun. 2026, which is 12% below its 10-year median of 1.72. GuruFocus rates OVBC with a GF Score™ of 49/100 and a GF Value™ of $31.80 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,498 Banks companies, Ohio Valley Banc ranks better than 52.34% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Ohio Valley Banc's cash to debt ratio for the quarter that ended in Jun. 2026 was 1.51.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Ohio Valley Banccould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Ohio Valley Banc's Cash-to-Debt or its related term are showing as below:
OVBC'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.76 Med: 1.72 Max: 5.8
Current: 1.51
During the past 13 years, Ohio Valley Banc's highest Cash to Debt Ratio was 5.80. The lowest was 0.76. And the median was 1.72.
OVBC's Cash-to-Debt is ranked better than 52.34% of 1498
companies
in the Banks industry
Industry Median: 1.375
vs OVBC: 1.51
Ohio Valley Banc (NAS:OVBC) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Ohio Valley Banc Cash-to-Debt Related Terms
Ohio Valley Banc Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Ohio Valley Banc's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Ohio Valley Banc's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Ohio Valley Banc Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Ohio Valley Banc's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Ohio Valley Banc's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Ohio Valley Banc (OVBC) has a Cash-to-Debt of 1.51 as of Jun. 2026. This is 12% below median its historical median of 1.72. Over the past decade, Ohio Valley Banc's Cash-to-Debt has ranged from 0.76 to 5.80. According to the industry distribution chart, Ohio Valley Banc ranks #714 out of 1498 companies in the Banks industry, placing it in the top 47.7%.
Is Ohio Valley Banc's Cash-to-Debt too high?
Ohio Valley Banc's current Cash-to-Debt of 1.51 is 12% below median its 10-year median of 1.72. Over the past 10 years, this metric has ranged from a low of 0.76 to a high of 5.80. The Banks industry median Cash-to-Debt is 1.38. Ohio Valley Banc's value of 1.51 is 9.8% above this industry median. Based on the distribution chart, Ohio Valley Banc ranks #714 out of 1498 companies in the Banks industry, which is above the industry midpoint. Overall, Ohio Valley Banc has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ohio Valley Banc's Cash-to-Debt compare to SOME and OAKC?
According to the Banks industry distribution chart, Ohio Valley Banc ranks #714 out of 1498 companies for Cash-to-Debt. This puts Ohio Valley Banc in the upper half of its industry. The industry median Cash-to-Debt is 1.38. Ohio Valley Banc's value of 1.51 is 9.8% above this benchmark. Historically, Ohio Valley Banc's own Cash-to-Debt has ranged from 0.76 to 5.80 over the past decade. While the company's 10-year median is 1.72 vs. the industry median of 1.38, Ohio Valley Banc has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ohio Valley Banc's current Cash-to-Debt of 1.51 is 9.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ohio Valley Banc's current Cash-to-Debt is 1.51, which is 12% below median its own 10-year median of 1.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ohio Valley Banc stock overvalued right now?
Based on GuruFocus' analysis, Ohio Valley Banc (OVBC) is currently considered Significantly Overvalued. The stock's GF Value™ is $31.80, compared to a current price of $45.93 — trading 44.4% above its estimated fair value. The current Cash-to-Debt is 1.51, which is 12% below median its 10-year median of 1.72 and 9.8% above the Banks industry median of 1.38. Ohio Valley Banc's overall GF Score™ is 49/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Ohio Valley Banc (OVBC), the current Cash-to-Debt is 1.51 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Ohio Valley Banc (OVBC) Overvalued in 2026?
Based on GuruFocus' analysis, Ohio Valley Banc stock appears to be overvalued.
The current stock price of $45.93 is trading 44.4% above its estimated GF Value™ of $31.80.
GuruFocus considers Ohio Valley Banc to be Significantly Overvalued.
Key valuation signals for OVBC:
Cash-to-Debt: 1.51 (12% below median its 10-year median of 1.72)
GF Value™: $31.80 vs. price of $45.93 (44.4% above fair value)
Industry Position: 9.8% above the Banks median (#714 of 1498)
No single metric tells the full story. See the OVBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ohio Valley Banc Corporation is a financial holding company. The bank is a full-service financial institution offering a blend of commercial and consumer banking services in Southeastern Ohio and western West Virginia. The banking services offered by the bank include the acceptance of deposits in checking, savings, time and money market accounts; the making and servicing of personal, commercial, 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.
49GF Score
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