Ohio Valley BancOVBC -10.58%45 Net Margin % is 23.64% as of Mar. 2026, which is 12% above its 10-year median of 21.15. 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 1,526 Banks companies, Ohio Valley Banc ranks worse than 63.83% on this metric.
The historical rank and industry rank for Ohio Valley Banc's Net Margin % or its related term are showing as below:
OVBC'
s Net Margin % Range Over the Past 10 Years
Min: 14.68 Med: 21.15 Max: 24.28
Current: 22.75
OVBC's Net Margin % is ranked worse than 63.83% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs OVBC: 22.75
Ohio Valley Banc (NAS:OVBC) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Ohio Valley Banc Net Margin % Related Terms
Ohio Valley Banc Net Margin % Historical Data
* Premium members only.
The historical data trend for Ohio Valley Banc's Net Margin % 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.
For the Banks - Regional subindustry, Ohio Valley Banc's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Ohio Valley Banc's Net Margin % distribution charts can be found below:
* The bar in red indicates where Ohio Valley Banc's Net Margin % falls into.
* 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 Net Margin % of 23.64% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Ohio Valley Banc and its competitors. This is 12% above median its historical median of 21.15. Over the past decade, Ohio Valley Banc's Net Margin % has ranged from 14.68 to 24.28. According to the industry distribution chart, Ohio Valley Banc ranks #974 out of 1526 companies in the Banks industry, placing it in the top 63.8%.
Is Ohio Valley Banc's Net Margin % too high?
Ohio Valley Banc's current Net Margin % of 23.64% is 12% above median its 10-year median of 21.15. Over the past 10 years, this metric has ranged from a low of 14.68 to a high of 24.28. The Banks industry median Net Margin % is 26.97. Ohio Valley Banc's value of 23.64% is 12.3% below this industry median. Based on the distribution chart, Ohio Valley Banc ranks #974 out of 1526 companies in the Banks industry, which is below 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 Net Margin % compare to FBLA and NKSH?
According to the Banks industry distribution chart, Ohio Valley Banc ranks #974 out of 1526 companies for Net Margin %. This places Ohio Valley Banc in the lower half of its industry. The industry median Net Margin % is 26.97. Ohio Valley Banc's value of 23.64% is 12.3% below this benchmark. Historically, Ohio Valley Banc's own Net Margin % has ranged from 14.68 to 24.28 over the past decade. While the company's 10-year median is 21.15 vs. the industry median of 26.97, Ohio Valley Banc has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ohio Valley Banc's current Net Margin % of 23.64% is 12.3% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Ohio Valley Banc and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ohio Valley Banc's current Net Margin % is 23.64%, which is 12% above median its own 10-year median of 21.15. 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 Net Margin % is 23.64%, which is 12% above median its 10-year median of 21.15 and 12.3% below the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Ohio Valley Banc (OVBC), the current Net Margin % is 23.64% 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 $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:
Net Margin %: 23.64% (12% above median its 10-year median of 21.15)
GF Value™: $30.31 vs. price of $44.59 (47.1% above fair value)
Industry Position: 12.3% below the Banks median (#974 of 1526)
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
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