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Ohio Valley BancOVBC +0.25%45 3-Year FCF Growth Rate is 7.20% as of Jun. 2026, which is 380% above its 10-year median of 1.50. GuruFocus rates OVBC with a GF Score™ of 45/100 and a GF Value™ of $31.84 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,042 Banks companies, Ohio Valley Banc ranks better than 60.56% on this metric.
During the past 12 months, Ohio Valley Banc's average Free Cash Flow per Share Growth Rate was 63.20% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 7.20% per year.
During the past 5 years, the average Free Cash Flow per Share Growth Rate was 10.30% per year.
During the past 10 years, the average Free Cash Flow per Share Growth Rate was 3.30% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
During the past 13 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of Ohio Valley Banc was 37.50% per year. The lowest was -25.80% per year. And the median was 1.50% per year.
Ohio Valley Banc (NAS:OVBC) 3-Year FCF Growth Rate Explanation
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
Ohio Valley Banc 3-Year FCF Growth Rate Related Terms
OVBC vs CBTN, FXLG, SOME: 3-Year FCF Growth Rate Comparison
For the Banks - Regional subindustry, Ohio Valley Banc's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF Growth Rate 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 3-Year FCF Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Ohio Valley Banc's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where Ohio Valley Banc's 3-Year FCF Growth Rate falls into.
Ohio Valley Banc 3-Year FCF Growth Rate Calculation
This is the 3-year average growth rate of Free Cash Flow per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
Ohio Valley Banc (OVBC) has a 3-Year FCF Growth Rate of 7.20% as of Jun. 2026. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Ohio Valley Banc and its competitors. This is 380% above median its historical median of 1.50. According to the industry distribution chart, Ohio Valley Banc ranks #411 out of 1042 companies in the Banks industry, placing it in the top 39.4%.
Is Ohio Valley Banc's 3-Year FCF Growth Rate too high?
Ohio Valley Banc's current 3-Year FCF Growth Rate of 7.20% is 380% above median its 10-year median of 1.50. The Banks industry median 3-Year FCF Growth Rate is 0.40. Ohio Valley Banc's value of 7.20% is 1700% above this industry median. Based on the distribution chart, Ohio Valley Banc ranks #411 out of 1042 companies in the Banks industry, which is above the industry midpoint. Overall, Ohio Valley Banc has a GF Score™ of 45/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ohio Valley Banc's 3-Year FCF Growth Rate compare to CBTN and FXLG?
According to the Banks industry distribution chart, Ohio Valley Banc ranks #411 out of 1042 companies for 3-Year FCF Growth Rate. This puts Ohio Valley Banc in the upper half of its industry. The industry median 3-Year FCF Growth Rate is 0.40. Ohio Valley Banc's value of 7.20% is 1700% above this benchmark. While the company's 10-year median is 1.50 vs. the industry median of 0.40, 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 3-Year FCF Growth Rate for a Banks company?
The median 3-Year FCF Growth Rate among Banks companies is 0.40, based on 1,042 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ohio Valley Banc's current 3-Year FCF Growth Rate of 7.20% is 1700% 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 3-Year FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Ohio Valley Banc and its competitors. For the Banks industry, the median 3-Year FCF Growth Rate is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ohio Valley Banc's current 3-Year FCF Growth Rate is 7.20%, which is 380% above median its own 10-year median of 1.50. 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 $31.84, compared to a current price of $44.85 — trading 40.9% above its estimated fair value. The current 3-Year FCF Growth Rate is 7.20%, which is 380% above median its 10-year median of 1.50 and 1700% above the Banks industry median of 0.40. Ohio Valley Banc's overall GF Score™ is 45/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For Ohio Valley Banc (OVBC), the current 3-Year FCF Growth Rate is 7.20% 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 $44.85 is trading 40.9% above its estimated GF Value™ of $31.84.
GuruFocus considers Ohio Valley Banc to be Significantly Overvalued.
Key valuation signals for OVBC:
3-Year FCF Growth Rate: 7.20% (380% above median its 10-year median of 1.50)
GF Value™: $31.84 vs. price of $44.85 (40.9% above fair value)
Industry Position: 1700% above the Banks median (#411 of 1042)
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.
45GF Score
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