Ohio Valley BancOVBC +1.35%49 Debt-to-Equity is 0.31 as of Mar. 2026, which is 6% below its 10-year median of 0.33. GuruFocus rates OVBC with a GF Score™ of 49/100 and a GF Value™ of $30.40 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,421 Banks companies, Ohio Valley Banc ranks better than 67.7% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Ohio Valley Banc's Debt-to-Equity or its related term are showing as below:
OVBC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.2 Med: 0.33 Max: 0.46
Current: 0.31
During the past 13 years, the highest Debt-to-Equity Ratio of Ohio Valley Banc was 0.46. The lowest was 0.20. And the median was 0.33.
OVBC's Debt-to-Equity is ranked better than 67.7% of 1421
companies
in the Banks industry
Industry Median: 0.56
vs OVBC: 0.31
Ohio Valley Banc (NAS:OVBC) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Ohio Valley Banc Debt-to-Equity Related Terms
Ohio Valley Banc Debt-to-Equity Historical Data
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The historical data trend for Ohio Valley Banc's Debt-to-Equity 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.
OVBC vs CBTN, FOTB, FINW: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Ohio Valley Banc's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Ohio Valley Banc's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Ohio Valley Banc's Debt-to-Equity 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 Debt-to-Equity of 0.31 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Ohio Valley Banc and its competitors. This is near median its historical median of 0.33. Over the past decade, Ohio Valley Banc's Debt-to-Equity has ranged from 0.20 to 0.46. According to the industry distribution chart, Ohio Valley Banc ranks #459 out of 1421 companies in the Banks industry, placing it in the top 32.3%.
Is Ohio Valley Banc's Debt-to-Equity too high?
Ohio Valley Banc's current Debt-to-Equity of 0.31 is near median its 10-year median of 0.33. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 0.46. The Banks industry median Debt-to-Equity is 0.56. Ohio Valley Banc's value of 0.31 is 44.6% below this industry median. Based on the distribution chart, Ohio Valley Banc ranks #459 out of 1421 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 Debt-to-Equity compare to CBTN and FOTB?
According to the Banks industry distribution chart, Ohio Valley Banc ranks #459 out of 1421 companies for Debt-to-Equity. This puts Ohio Valley Banc in the upper half of its industry. The industry median Debt-to-Equity is 0.56. Ohio Valley Banc's value of 0.31 is 44.6% below this benchmark. Historically, Ohio Valley Banc's own Debt-to-Equity has ranged from 0.20 to 0.46 over the past decade. While the company's 10-year median is 0.33 vs. the industry median of 0.56, Ohio Valley Banc has consistently been below 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ohio Valley Banc's current Debt-to-Equity of 0.31 is 44.6% below 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Ohio Valley Banc and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ohio Valley Banc's current Debt-to-Equity is 0.31, which is near median its own 10-year median of 0.33. 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 $30.40, compared to a current price of $43.07 — trading 41.7% above its estimated fair value. The current Debt-to-Equity is 0.31, which is near median its 10-year median of 0.33 and 44.6% below the Banks industry median of 0.56. Ohio Valley Banc's overall GF Score™ is 49/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Ohio Valley Banc (OVBC), the current Debt-to-Equity is 0.31 as of Mar. 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 $43.07 is trading 41.7% above its estimated GF Value™ of $30.40.
GuruFocus considers Ohio Valley Banc to be Significantly Overvalued.
Key valuation signals for OVBC:
Debt-to-Equity: 0.31 (near median its 10-year median of 0.33)
GF Value™: $30.40 vs. price of $43.07 (41.7% above fair value)
Industry Position: 44.6% below the Banks median (#459 of 1421)
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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