Ohio Valley BancOVBC +4.80%45 Return-on-Tangible-Equity is 10.52% as of Mar. 2026, which is 20% above its 10-year median of 8.76. 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 1,525 Banks companies, Ohio Valley Banc ranks worse than 58.62% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Ohio Valley Banc's annualized net income for the quarter that ended in Mar. 2026 was $17.19 Mil. Ohio Valley Banc's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $163.45 Mil. Therefore, Ohio Valley Banc's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 10.52%.
The historical rank and industry rank for Ohio Valley Banc's Return-on-Tangible-Equity or its related term are showing as below:
OVBC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.47 Med: 8.76 Max: 11.29
Current: 9.86
During the past 13 years, Ohio Valley Banc's highest Return-on-Tangible-Equity was 11.29%. The lowest was 7.47%. And the median was 8.76%.
OVBC's Return-on-Tangible-Equity is ranked worse than 58.62% of 1525
companies
in the Banks industry
Industry Median: 11.21
vs OVBC: 9.86
Ohio Valley Banc (NAS:OVBC) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Ohio Valley Banc Return-on-Tangible-Equity Related Terms
Ohio Valley Banc Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Ohio Valley Banc's Return-on-Tangible-Equity 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: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Ohio Valley Banc's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Ohio Valley Banc's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Ohio Valley Banc's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 10.52% mean?
Ohio Valley Banc (OVBC) has a Return-on-Tangible-Equity of 10.52% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Ohio Valley Banc and its competitors. This is 20% above median its historical median of 8.76. Over the past decade, Ohio Valley Banc's Return-on-Tangible-Equity has ranged from 7.47 to 11.29. According to the industry distribution chart, Ohio Valley Banc ranks #894 out of 1525 companies in the Banks industry, placing it in the top 58.6%.
Is Ohio Valley Banc's Return-on-Tangible-Equity too high?
Ohio Valley Banc's current Return-on-Tangible-Equity of 10.52% is 20% above median its 10-year median of 8.76. Over the past 10 years, this metric has ranged from a low of 7.47 to a high of 11.29. The Banks industry median Return-on-Tangible-Equity is 11.21. Ohio Valley Banc's value of 10.52% is 6.2% below this industry median. Based on the distribution chart, Ohio Valley Banc ranks #894 out of 1525 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 Return-on-Tangible-Equity compare to FBLA and NKSH?
According to the Banks industry distribution chart, Ohio Valley Banc ranks #894 out of 1525 companies for Return-on-Tangible-Equity. This places Ohio Valley Banc in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.21. Ohio Valley Banc's value of 10.52% is 6.2% below this benchmark. Historically, Ohio Valley Banc's own Return-on-Tangible-Equity has ranged from 7.47 to 11.29 over the past decade. While the company's 10-year median is 8.76 vs. the industry median of 11.21, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ohio Valley Banc's current Return-on-Tangible-Equity of 10.52% is 6.2% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Ohio Valley Banc and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ohio Valley Banc's current Return-on-Tangible-Equity is 10.52%, which is 20% above median its own 10-year median of 8.76. 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 $44.52 — trading 46.9% above its estimated fair value. The current Return-on-Tangible-Equity is 10.52%, which is 20% above median its 10-year median of 8.76 and 6.2% below the Banks industry median of 11.21. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Ohio Valley Banc (OVBC), the current Return-on-Tangible-Equity is 10.52% 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 $44.52 is trading 46.9% above its estimated GF Value™ of $30.31.
GuruFocus considers Ohio Valley Banc to be Significantly Overvalued.
Key valuation signals for OVBC:
Return-on-Tangible-Equity: 10.52% (20% above median its 10-year median of 8.76)
GF Value™: $30.31 vs. price of $44.52 (46.9% above fair value)
Industry Position: 6.2% below the Banks median (#894 of 1525)
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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