Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Ohio Valley BancOVBC -0.26%49 Intrinsic Value: Projected FCF is $63.02 as of Aug. 20, 2026, which is 9595% above its 10-year median of 0.65. GuruFocus rates OVBC with a GF Score™ of 49/100 and a GF Value™ of $31.81 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,304 Banks companies, Ohio Valley Banc ranks worse than 63.34% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-20), Ohio Valley Banc's Intrinsic Value: Projected FCF is $63.02. The stock price of Ohio Valley Banc is $44.4401. Therefore, Ohio Valley Banc's Price-to-Intrinsic-Value-Projected-FCF of today is 0.7.
The historical rank and industry rank for Ohio Valley Banc's Intrinsic Value: Projected FCF or its related term are showing as below:
OVBC'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.41 Med: 0.65 Max: 1.25
Current: 0.71
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Ohio Valley Banc was 1.25. The lowest was 0.41. And the median was 0.65.
OVBC's Price-to-Projected-FCF is ranked worse than 63.34% of 1304
companies
in the Banks industry
Industry Median: 0.59
vs OVBC: 0.71
Ohio Valley Banc (NAS:OVBC) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Ohio Valley Banc's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
44.4401
/
63.022927495764
=
0.71
* 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 Intrinsic Value: Projected FCF Related Terms
Ohio Valley Banc Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Ohio Valley Banc's Intrinsic Value: Projected FCF 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.
Ohio Valley Banc Intrinsic Value: Projected FCF Chart
OVBC vs SOME, OAKC, FXLG: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, Ohio Valley Banc's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Ohio Valley Banc's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Ohio Valley Banc's Price-to-Projected-FCF falls into.
Ohio Valley Banc Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $63.02 mean?
Ohio Valley Banc (OVBC) has a Intrinsic Value: Projected FCF of $63.02 as of Aug. 20, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Ohio Valley Banc and its competitors. This is 9595% above median its historical median of 0.65. Over the past decade, Ohio Valley Banc's Intrinsic Value: Projected FCF has ranged from 0.41 to 1.25. According to the industry distribution chart, Ohio Valley Banc ranks #826 out of 1304 companies in the Banks industry, placing it in the top 63.3%.
Is Ohio Valley Banc's Intrinsic Value: Projected FCF too high?
Ohio Valley Banc's current Intrinsic Value: Projected FCF of $63.02 is 9595% above median its 10-year median of 0.65. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 1.25. The Banks industry median Intrinsic Value: Projected FCF is 0.59. Ohio Valley Banc's value of $63.02 is 10581.4% above this industry median. Based on the distribution chart, Ohio Valley Banc ranks #826 out of 1304 companies in the Banks industry, which is below 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 Intrinsic Value: Projected FCF compare to SOME and OAKC?
According to the Banks industry distribution chart, Ohio Valley Banc ranks #826 out of 1304 companies for Intrinsic Value: Projected FCF. This places Ohio Valley Banc in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.59. Ohio Valley Banc's value of $63.02 is 10581.4% above this benchmark. Historically, Ohio Valley Banc's own Intrinsic Value: Projected FCF has ranged from 0.41 to 1.25 over the past decade. While the company's 10-year median is 0.65 vs. the industry median of 0.59, 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 Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.59, based on 1,304 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ohio Valley Banc's current Intrinsic Value: Projected FCF of $63.02 is 10581.4% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Ohio Valley Banc and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ohio Valley Banc's current Intrinsic Value: Projected FCF is $63.02, which is 9595% above median its own 10-year median of 0.65. 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 $31.81, compared to a current price of $44.44 — trading 39.7% above its estimated fair value. The current Intrinsic Value: Projected FCF is $63.02, which is 9595% above median its 10-year median of 0.65 and 10581.4% above the Banks industry median of 0.59. Ohio Valley Banc's overall GF Score™ is 49/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Ohio Valley Banc (OVBC), the current Intrinsic Value: Projected FCF is $63.02 as of Aug. 20, 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 $44.44 is trading 39.7% above its estimated GF Value™ of $31.81.
GuruFocus considers Ohio Valley Banc to be Significantly Overvalued.
Key valuation signals for OVBC:
Intrinsic Value: Projected FCF: $63.02 (9595% above median its 10-year median of 0.65)
GF Value™: $31.81 vs. price of $44.44 (39.7% above fair value)
Industry Position: 10581.4% above the Banks median (#826 of 1304)
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
Get the complete analysis for OVBC
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
OVBC has been successfully added to your 
