OVBC (Ohio Valley Banc) Scaled Net Operating Assets: -0.07 (As of Mar. 2026)


OVBC Ohio Valley Banc Corporation OVBC
45 GF Score
Price $44.59
GF Value $30.31
Valuation Significantly Overvalued
! 2 Warning Signs
View Full Analysis

What is Ohio Valley Banc Scaled Net Operating Assets?

Ohio Valley Banc OVBC -10.58% 45 Scaled Net Operating Assets is -0.07 as of Mar. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Ohio Valley Banc's operating assets for the quarter that ended in Mar. 2026 was $1,334.73 Mil. Ohio Valley Banc's operating liabilities for the quarter that ended in Mar. 2026 was $1,453.32 Mil. Ohio Valley Banc's Total Assets for the quarter that ended in Dec. 2025 was $1,582.65 Mil. Therefore, Ohio Valley Banc's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.07.

OVBC
45GF Score
Ohio Valley Banc Corporation OVBC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Ohio Valley Banc Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Ohio Valley Banc's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1536.757-1358.126)/1503.412
=0.12

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1582.654 - 45.897
=1536.757

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1412.397 - 54.271 - 0
=1358.126

Ohio Valley Banc's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(1334.733-1453.317)/1582.654
=-0.07

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1677.502 - 342.769
=1334.733

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1506.222 - 52.905 - 0
=1453.317

* 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.

What does a Scaled Net Operating Assets of -0.07 mean?
Ohio Valley Banc (OVBC) has a Scaled Net Operating Assets of -0.07 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Ohio Valley Banc and its competitors.
Is Ohio Valley Banc's Scaled Net Operating Assets too high?
Ohio Valley Banc's current Scaled Net Operating Assets is -0.07. 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 Scaled Net Operating Assets compare to FBLA and NKSH?
Ohio Valley Banc's Scaled Net Operating Assets of -0.07 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Ohio Valley Banc and its competitors. Ohio Valley Banc's current Scaled Net Operating Assets is -0.07. 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 Scaled Net Operating Assets is -0.07. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Ohio Valley Banc (OVBC), the current Scaled Net Operating Assets is -0.07 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:

  • Scaled Net Operating Assets: -0.07
  • 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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$44.59
Price
$30.31
GF Value