OVBC (Ohio Valley Banc) Moat Score: 3/10 (As of Jun. 25, 2026)


OVBC Ohio Valley Banc Corporation OVBC
45 GF Score
Price $42.52
GF Value $30.31
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Ohio Valley Banc Moat Score?

Ohio Valley Banc OVBC -4.64% 45 Moat Score is 3 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. Among 1,609 Banks companies, Ohio Valley Banc ranks better than 74.39% on this metric.

Ohio Valley Banc has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Ohio Valley Banc has No Moat: Ohio Valley Banc Corporation operates in a competitive banking sector with limited market leadership and no significant customer switching costs. The company lacks strong brand strength, durable cost advantages, or significant regulatory barriers, limiting its competitive advantage.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Ohio Valley Banc might have No Moat - Very weak/transient advantages.

Ohio Valley Banc  (NAS:OVBC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Ohio Valley Banc Moat Score Related Terms

OVBC vs FBLA, NKSH, FFMH: Moat Score Comparison

For the Banks - Regional subindustry, Ohio Valley Banc's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Ohio Valley Banc's Moat Score distribution charts can be found below:

* The bar in red indicates where Ohio Valley Banc's Moat Score falls into.


OVBC
45GF Score
Ohio Valley Banc Corporation OVBC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Ohio Valley Banc (OVBC) has a Moat Score of 3 as of Jun. 25, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Ohio Valley Banc ranks #412 out of 1609 companies in the Banks industry, placing it in the top 25.6%.
Is Ohio Valley Banc's Moat Score too high?
Ohio Valley Banc's current Moat Score is 3. Based on the distribution chart, Ohio Valley Banc ranks #412 out of 1609 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 Moat Score compare to FBLA and NKSH?
According to the Banks industry distribution chart, Ohio Valley Banc ranks #412 out of 1609 companies for Moat Score. This puts Ohio Valley Banc in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Ohio Valley Banc's current Moat Score is 3. 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 $42.52 — trading 40.3% above its estimated fair value. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Ohio Valley Banc (OVBC), the current Moat Score is 3 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 $42.52 is trading 40.3% above its estimated GF Value™ of $30.31. GuruFocus considers Ohio Valley Banc to be Significantly Overvalued.

Key valuation signals for OVBC:

  • Moat Score: 3
  • GF Value™: $30.31 vs. price of $42.52 (40.3% 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

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$42.52
Price
$30.31
GF Value