Ohio Valley BancOVBC -0.15%45 5-Year Yield-on-Cost % is 2.33 as of Jul. 02, 2026, which is 27% below its 10-year median of 3.21. GuruFocus rates OVBC with a GF Score™ of 45/100 and a GF Value™ of $30.34 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,250 Banks companies, Ohio Valley Banc ranks worse than 76.4% on this metric.
Ohio Valley Banc's yield on cost for the quarter that ended in Mar. 2026 was 2.33.
The historical rank and industry rank for Ohio Valley Banc's 5-Year Yield-on-Cost % or its related term are showing as below:
OVBC'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.64 Med: 3.21 Max: 4.88
Current: 2.33
During the past 13 years, Ohio Valley Banc's highest Yield on Cost was 4.88. The lowest was 1.64. And the median was 3.21.
OVBC's 5-Year Yield-on-Cost % is ranked worse than 76.4% of 1250
companies
in the Banks industry
Industry Median: 3.94
vs OVBC: 2.33
Ohio Valley Banc (NAS:OVBC) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Ohio Valley Banc 5-Year Yield-on-Cost % Related Terms
OVBC vs CBTN, FOTB, FINW: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Ohio Valley Banc's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Ohio Valley Banc's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Ohio Valley Banc's 5-Year Yield-on-Cost % falls into.
Ohio Valley Banc 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Ohio Valley Banc (OVBC) has a 5-Year Yield-on-Cost % of 2.33 as of Jul. 02, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Ohio Valley Banc and its competitors. This is 27% below median its historical median of 3.21. Over the past decade, Ohio Valley Banc's 5-Year Yield-on-Cost % has ranged from 1.64 to 4.88. According to the industry distribution chart, Ohio Valley Banc ranks #955 out of 1250 companies in the Banks industry, placing it in the top 76.4%.
Is Ohio Valley Banc's 5-Year Yield-on-Cost % too high?
Ohio Valley Banc's current 5-Year Yield-on-Cost % of 2.33 is 27% below median its 10-year median of 3.21. Over the past 10 years, this metric has ranged from a low of 1.64 to a high of 4.88. The Banks industry median 5-Year Yield-on-Cost % is 3.94. Ohio Valley Banc's value of 2.33 is 40.9% below this industry median. Based on the distribution chart, Ohio Valley Banc ranks #955 out of 1250 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 5-Year Yield-on-Cost % compare to CBTN and FOTB?
According to the Banks industry distribution chart, Ohio Valley Banc ranks #955 out of 1250 companies for 5-Year Yield-on-Cost %. This places Ohio Valley Banc in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.94. Ohio Valley Banc's value of 2.33 is 40.9% below this benchmark. Historically, Ohio Valley Banc's own 5-Year Yield-on-Cost % has ranged from 1.64 to 4.88 over the past decade. While the company's 10-year median is 3.21 vs. the industry median of 3.94, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.94, based on 1,250 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ohio Valley Banc's current 5-Year Yield-on-Cost % of 2.33 is 40.9% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Ohio Valley Banc and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ohio Valley Banc's current 5-Year Yield-on-Cost % is 2.33, which is 27% below median its own 10-year median of 3.21. 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 $30.34, compared to a current price of $43.79 — trading 44.3% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.33, which is 27% below median its 10-year median of 3.21 and 40.9% below the Banks industry median of 3.94. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Ohio Valley Banc (OVBC), the current 5-Year Yield-on-Cost % is 2.33 as of Jul. 02, 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 $43.79 is trading 44.3% above its estimated GF Value™ of $30.34.
GuruFocus considers Ohio Valley Banc to be Significantly Overvalued.
Key valuation signals for OVBC:
5-Year Yield-on-Cost %: 2.33 (27% below median its 10-year median of 3.21)
GF Value™: $30.34 vs. price of $43.79 (44.3% above fair value)
Industry Position: 40.9% below the Banks median (#955 of 1250)
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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