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Ohio Valley BancOVBC -0.55%45 Equity-to-Asset is 0.10 as of Mar. 2026, which is 9% below its 10-year median of 0.11. GuruFocus rates OVBC with a GF Score™ of 45/100 and a GF Value™ of $30.46 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,524 Banks companies, Ohio Valley Banc ranks better than 55.51% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Ohio Valley Banc's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $171.28 Mil. Ohio Valley Banc's Total Assets for the quarter that ended in Mar. 2026 was $1,677.50 Mil.
Therefore, Ohio Valley Banc's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.10.
The historical rank and industry rank for Ohio Valley Banc's Equity-to-Asset or its related term are showing as below:
OVBC'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1 Med: 0.11 Max: 0.13
Current: 0.1
During the past 13 years, the highest Equity to Asset Ratio of Ohio Valley Banc was 0.13. The lowest was 0.10. And the median was 0.11.
OVBC's Equity-to-Asset is ranked better than 55.51% of 1524
companies
in the Banks industry
Industry Median: 0.1
vs OVBC: 0.10
Ohio Valley Banc (NAS:OVBC) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Ohio Valley Banc Equity-to-Asset Related Terms
Ohio Valley Banc Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Ohio Valley Banc's Equity-to-Asset 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: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Ohio Valley Banc's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Ohio Valley Banc's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Ohio Valley Banc's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Ohio Valley Banc's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.10 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Ohio Valley Banc and its competitors. This is near median its historical median of 0.11. Over the past decade, Ohio Valley Banc's Equity-to-Asset has ranged from 0.10 to 0.13. According to the industry distribution chart, Ohio Valley Banc ranks #678 out of 1524 companies in the Banks industry, placing it in the top 44.5%.
Is Ohio Valley Banc's Equity-to-Asset too high?
Ohio Valley Banc's current Equity-to-Asset of 0.10 is near median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.13. The Banks industry median Equity-to-Asset is 0.10. Ohio Valley Banc's value of 0.10 is 0% at this industry median. Based on the distribution chart, Ohio Valley Banc ranks #678 out of 1524 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 Equity-to-Asset compare to CBTN and FOTB?
According to the Banks industry distribution chart, Ohio Valley Banc ranks #678 out of 1524 companies for Equity-to-Asset. This puts Ohio Valley Banc in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Ohio Valley Banc's value of 0.10 is 0% at this benchmark. Historically, Ohio Valley Banc's own Equity-to-Asset has ranged from 0.10 to 0.13 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 0.10, Ohio Valley Banc has consistently been at 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ohio Valley Banc's current Equity-to-Asset of 0.10 is 0% at 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Ohio Valley Banc and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ohio Valley Banc's current Equity-to-Asset is 0.10, which is near median its own 10-year median of 0.11. 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 $30.46, compared to a current price of $43.47 — trading 42.7% above its estimated fair value. The current Equity-to-Asset is 0.10, which is near median its 10-year median of 0.11 and 0% at the Banks industry median of 0.10. Ohio Valley Banc's overall GF Score™ is 45/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Ohio Valley Banc (OVBC), the current Equity-to-Asset is 0.10 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 $43.47 is trading 42.7% above its estimated GF Value™ of $30.46.
GuruFocus considers Ohio Valley Banc to be Significantly Overvalued.
Key valuation signals for OVBC:
Equity-to-Asset: 0.10 (near median its 10-year median of 0.11)
GF Value™: $30.46 vs. price of $43.47 (42.7% above fair value)
Industry Position: 0% at the Banks median (#678 of 1524)
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
Get the complete analysis for OVBC
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