OVBC (Ohio Valley Banc) Margin of Safety % (DCF FCF Based): 23.23% (As of Jun. 25, 2026)


OVBC Ohio Valley Banc Corporation OVBC
45 GF Score
Price $44.59
GF Value $30.31
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Ohio Valley Banc Margin of Safety % (DCF FCF Based)?

Ohio Valley Banc OVBC -10.58% 45 Margin of Safety % (DCF FCF Based) is 23.23% as of Jun. 25, 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.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-25), Ohio Valley Banc's Predictability Rank is 2.5-Stars. Ohio Valley Banc's intrinsic value calculated from the Discounted FCF model is $37.85 and current share price is $44.59. Consequently,

Ohio Valley Banc's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 23.23%.

OVBC vs FBLA, NKSH, FFMH: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, Ohio Valley Banc's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Ohio Valley Banc's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Ohio Valley Banc's Margin of Safety % (DCF FCF Based) falls into.


OVBC
45GF Score
Ohio Valley Banc Corporation OVBC
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Ohio Valley Banc Margin of Safety % (DCF FCF Based) Calculation

Ohio Valley Banc's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(58.08-44.59)/58.08
=23.23 %

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of 23.23% mean?
Ohio Valley Banc (OVBC) has a Margin of Safety % (DCF FCF Based) of 23.23% as of Jun. 25, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Ohio Valley Banc.
Is Ohio Valley Banc's Margin of Safety % (DCF FCF Based) too high?
Ohio Valley Banc's current Margin of Safety % (DCF FCF Based) is 23.23%. 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 Margin of Safety % (DCF FCF Based) compare to FBLA and NKSH?
Ohio Valley Banc's Margin of Safety % (DCF FCF Based) of 23.23% 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 Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Ohio Valley Banc. Ohio Valley Banc's current Margin of Safety % (DCF FCF Based) is 23.23%. 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 $44.59 — trading 47.1% above its estimated fair value. The current Margin of Safety % (DCF FCF Based) is 23.23%. 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 Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For Ohio Valley Banc (OVBC), the current Margin of Safety % (DCF FCF Based) is 23.23% as of Jun. 25, 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 $44.59 is trading 47.1% above its estimated GF Value™ of $30.31. GuruFocus considers Ohio Valley Banc to be Significantly Overvalued.

Key valuation signals for OVBC:

  • Margin of Safety % (DCF FCF Based): 23.23%
  • GF Value™: $30.31 vs. price of $44.59 (47.1% 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

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

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$44.59
Price
$30.31
GF Value