OVBC (Ohio Valley Banc) LT-Debt-to-Total-Asset: 0.03 (As of Mar. 2026)

What is Ohio Valley Banc LT-Debt-to-Total-Asset?

Ohio Valley Banc OVBC -2.92% 45 LT-Debt-to-Total-Asset is 0.03 as of Mar. 2026. GuruFocus rates OVBC with a GF Score™ of 45/100 and a GF Value™ of $30.31 (Significantly Overvalued). The stock has 2 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Ohio Valley Banc's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.03.

Ohio Valley Banc's long-term debt to total assets ratio stayed the same from Mar. 2025 (0.03) to Mar. 2026 (0.03).

Ohio Valley Banc (NAS:OVBC) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Ohio Valley Banc LT-Debt-to-Total-Asset Related Terms

Ohio Valley Banc LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Ohio Valley Banc's LT-Debt-to-Total-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.

Ohio Valley Banc LT-Debt-to-Total-Asset Chart

Ohio Valley Banc Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.02

0.04

0.03

Ohio Valley Banc Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.03	0.03	0.03	0.03	0.03

45GF Score

Ohio Valley Banc Corporation OVBC

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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Ohio Valley Banc LT-Debt-to-Total-Asset Calculation

Ohio Valley Banc's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	54.271	/	1582.654
	=	0.03

Ohio Valley Banc's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	52.905	/	1677.502
	=	0.03

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.03 mean?

Ohio Valley Banc (OVBC) has a LT-Debt-to-Total-Asset of 0.03 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Ohio Valley Banc and its competitors.

Is Ohio Valley Banc's LT-Debt-to-Total-Asset too high?

Ohio Valley Banc's current LT-Debt-to-Total-Asset is 0.03. 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 LT-Debt-to-Total-Asset compare to FBLA and NKSH?

Ohio Valley Banc's LT-Debt-to-Total-Asset of 0.03 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Ohio Valley Banc and its competitors. Ohio Valley Banc's current LT-Debt-to-Total-Asset is 0.03. 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 $30.31, compared to a current price of $43.29 — trading 42.8% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.03. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Ohio Valley Banc (OVBC), the current LT-Debt-to-Total-Asset is 0.03 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 $43.29 is trading 42.8% above its estimated GF Value™ of $30.31. GuruFocus considers Ohio Valley Banc to be Significantly Overvalued.

Key valuation signals for OVBC:

LT-Debt-to-Total-Asset: 0.03
GF Value™: $30.31 vs. price of $43.29 (42.8% above fair value)
GF Score™: 45/100 with 2 warning signs

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 Business Description

Industry Financial Services Banks

Comparable Companies FBLA NKSH FFMH PEBK QNBC FOTB VABK CBTN CBNA MLGF SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Address 420 Third Avenue, PO Box 240, Gallipolis, OH, USA, 45631

Website https://www.ovbc.com

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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$43.29

Price

$30.31

GF Value

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