Ohio Valley BancOVBC -0.38%45 Pretax Margin % is 28.90% as of Mar. 2026, which is 14% above its 10-year median of 25.41. 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 68.35% on this metric.
The historical rank and industry rank for Ohio Valley Banc's Pretax Margin % or its related term are showing as below:
OVBC'
s Pretax Margin % Range Over the Past 10 Years
Min: 19.84 Med: 25.41 Max: 29.16
Current: 28.12
OVBC's Pretax Margin % is ranked worse than 68.35% of 1526
companies
in the Banks industry
Industry Median: 34.885
vs OVBC: 28.12
Ohio Valley Banc (NAS:OVBC) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Ohio Valley Banc Pretax Margin % Related Terms
Ohio Valley Banc Pretax Margin % Historical Data
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The historical data trend for Ohio Valley Banc's Pretax 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.
OVBC vs FBLA, NKSH, FFMH: Pretax Margin % Comparison
For the Banks - Regional subindustry, Ohio Valley Banc's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Ohio Valley Banc's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Ohio Valley Banc's Pretax 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 Pretax Margin % of 28.90% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Ohio Valley Banc and its competitors. This is 14% above median its historical median of 25.41. Over the past decade, Ohio Valley Banc's Pretax Margin % has ranged from 19.84 to 29.16. According to the industry distribution chart, Ohio Valley Banc ranks #1043 out of 1526 companies in the Banks industry, placing it in the top 68.3%.
Is Ohio Valley Banc's Pretax Margin % too high?
Ohio Valley Banc's current Pretax Margin % of 28.90% is 14% above median its 10-year median of 25.41. Over the past 10 years, this metric has ranged from a low of 19.84 to a high of 29.16. The Banks industry median Pretax Margin % is 34.89. Ohio Valley Banc's value of 28.90% is 17.2% below this industry median. Based on the distribution chart, Ohio Valley Banc ranks #1043 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 Pretax Margin % compare to FBLA and NKSH?
According to the Banks industry distribution chart, Ohio Valley Banc ranks #1043 out of 1526 companies for Pretax Margin %. This places Ohio Valley Banc in the lower half of its industry. The industry median Pretax Margin % is 34.89. Ohio Valley Banc's value of 28.90% is 17.2% below this benchmark. Historically, Ohio Valley Banc's own Pretax Margin % has ranged from 19.84 to 29.16 over the past decade. While the company's 10-year median is 25.41 vs. the industry median of 34.89, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.89, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ohio Valley Banc's current Pretax Margin % of 28.90% is 17.2% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Ohio Valley Banc and its competitors. For the Banks industry, the median Pretax Margin % is 34.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ohio Valley Banc's current Pretax Margin % is 28.90%, which is 14% above median its own 10-year median of 25.41. 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 $44.42 — trading 46.6% above its estimated fair value. The current Pretax Margin % is 28.90%, which is 14% above median its 10-year median of 25.41 and 17.2% below the Banks industry median of 34.89. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Ohio Valley Banc (OVBC), the current Pretax Margin % is 28.90% 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 $44.42 is trading 46.6% above its estimated GF Value™ of $30.31.
GuruFocus considers Ohio Valley Banc to be Significantly Overvalued.
Key valuation signals for OVBC:
Pretax Margin %: 28.90% (14% above median its 10-year median of 25.41)
GF Value™: $30.31 vs. price of $44.42 (46.6% above fair value)
Industry Position: 17.2% below the Banks median (#1043 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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