Ohio Valley Banc (OVBC) AI Stock Analysis

• Market Cap: $137.09M
• Dividend Yield: 3.02%
• Average Volume (3M): 16.63K
• Price to Earnings (P/E): 12.5
• Beta (1Y): -0.20
• Revenue Growth: 19.40%
• EPS Growth: -12.24%
• Country: US
• Employees: 271
• Sector: Financial
• Sector Strength: 85
• Industry: Banks - Regional
• EPS (TTM): 2.32
• Shares Outstanding: 4,711,001
• 10 Day Avg. Volume: 12,635
• 30 Day Avg. Volume: 16,629
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 2.30
• Price to Cash Flow (P/CF): 14.50
• P/FCF Ratio: 4.30
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Ohio Valley Banc's stock is supported by strong revenue growth and a solid balance sheet, offset by declining margins and cash flow pressures. Technical indicators show positive momentum, suggesting potential for further gains. The valuation is fair, with a moderate P/E ratio and dividend yield. Overall, the stock is positioned for steady performance with room for improvement in profitability and liquidity management.

Ohio Valley Banc Business Overview & Revenue Model

Company Description

Ohio Valley Banc Corp. (OVBC) is a financial services company headquartered in Gallipolis, Ohio. It operates primarily through its subsidiary, The Ohio Valley Bank Company, providing a comprehensive range of banking products and services. These services include traditional retail and commercial banking offerings such as checking and savings accounts, personal and business loans, mortgages, and credit card services. Additionally, the company offers investment and trust services, catering to the financial needs of individuals, businesses, and government entities within its market area.

How the Company Makes Money

Ohio Valley Banc Corp. generates revenue primarily through the interest income earned on loans and securities, which is a core component of its banking operations. The company collects interest from various lending activities, including personal, commercial, and real estate loans. Additionally, OVBC earns non-interest income from fees and service charges associated with deposit accounts, transaction processing, and other banking services. Investment and trust services also contribute to its revenue, generating fees for managing assets and providing financial advisory services. The bank's profitability is influenced by factors such as interest rate fluctuations, loan demand, and economic conditions within the regions it serves.

Ohio Valley Banc Financial Statement Overview

Summary

Ohio Valley Banc shows a positive revenue growth trend with stable balance sheet metrics, indicating a robust financial position. However, declines in profitability margins and operating cash flow suggest potential cost pressures and liquidity management challenges. Continued focus on cost efficiency and cash flow generation will be crucial for sustaining growth.

Income Statement

The revenue growth rate has been positive over the years, with a recent increase from $56.57M to $61.98M, indicating healthy business expansion. However, the net profit margin has decreased from 22.33% to 17.75% over the past year, suggesting potential cost management issues. EBIT and EBITDA margins are currently unavailable, limiting full profitability analysis.

Balance Sheet

The company's debt-to-equity ratio has improved, reflecting a strong equity position against liabilities. The equity ratio remains stable, indicating a solid capital structure. However, the stockholders' equity showed a slight increase from $144.01M to $150.33M, highlighting moderate growth in shareholder value.

Cash Flow

Operating cash flow decreased from $20.75M to $13.10M, which is a concern for liquidity management. Free cash flow has also declined, though it remains positive, which is essential for reinvestments and dividends. The free cash flow to net income ratio is healthy, showing efficient cash conversion.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
61.98M	56.57M	54.94M	50.88M	49.42M
	Gross Profit
61.98M	74.49M	54.94M	50.88M	49.42M
	EBIT
0.00	21.83M	18.77M	14.02M	12.31M
	EBITDA
0.00	16.78M	17.50M	15.63M	13.84M
	Net Income Common Stockholders
11.00M	12.63M	13.34M	11.73M	10.26M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
281.72M	290.38M	231.93M	331.36M	253.13M
	Total Assets
1.50B	1.35B	1.21B	1.25B	1.19B
	Total Debt
49.26M	54.30M	27.74M	29.31M	37.24M
	Net Debt
-33.84M	-73.83M	-20.11M	-125.05M	-103.56M
	Total Liabilities
1.35B	1.21B	27.74M	29.31M	37.24M
	Stockholders Equity
150.33M	144.01M	135.03M	141.36M	136.32M
Cash Flow		Free Cash Flow
11.66M	18.06M	14.00M	12.05M	9.04M
	Operating Cash Flow
13.10M	20.75M	15.99M	13.14M	12.49M
	Investing Cash Flow
-195.18M	-59.79M	-83.39M	-52.35M	-88.69M
	Financing Cash Flow
137.07M	121.18M	-38.64M	52.95M	162.14M

Ohio Valley Banc Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 27.56
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OVBC, the sentiment is Negative. The current price of 27.56 is below the 20-day moving average (MA) of 29.18, above the 50-day MA of 27.53, and above the 200-day MA of 24.48, indicating a neutral trend. The MACD of -0.23 indicates Positive momentum. The RSI at 44.40 is Neutral, neither overbought nor oversold. The STOCH value of 10.33 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for OVBC.

Ohio Valley Banc Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HTB	77 Outperform	$568.32M	10.12	10.32%	1.42%	11.01%	8.09%
OVBC	71 Outperform	$137.09M	12.53	7.47%	3.02%	19.40%	-12.24%
CIVB	71 Outperform	$287.30M	9.21	8.10%	3.50%	11.16%	-26.17%
FFBC	71 Outperform	$2.18B	9.54	9.72%	4.15%	9.95%	-11.02%
FMBH	65 Neutral	$774.39M	9.78	9.62%	2.94%	17.70%	3.88%
Sector *	63 Neutral	$14.39B	9.81	8.95%	4.37%	16.38%	-11.64%
UBOH	59 Neutral	$82.89M	8.64	9.70%	3.33%	13.06%	9.31%

Ohio Valley Banc Corporate Events

Ohio Valley Banc Corp Announces Leadership Transition

Ohio Valley Banc Corp has announced that Thomas E. Wiseman will retire from his executive officer role at the company and The Ohio Valley Bank Company effective January 1, 2025. He will continue his association with the company as the non-executive Chairman of the Board, maintaining his involvement in the Audit, Enterprise Risk, and Executive Committees while receiving annual compensation of $259,284.