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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#1852
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$173M
Larry E. Miller
Ohio Valley Banc Corp. operates in two segments, Banking and Consumer Finance. It accepts various deposit products, including checking, savings, time, and money market accounts. The company also provides various residential real estate loans, including one-to four-family residential mortgages. It owns and operates thirty-six ATMs, including twenty off-site ATMs.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = OVBC ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$OVBC OHIO VALLEY BANC CORP | 51 | 32 | 42 | 83 | 14.4x | 11.7x | 8.7% | 0.9% | 0.0% | 21.8% | 17.6% | 15.5% | 2.5% | 855.0x | $173M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
OHIO VALLEY BANC CORP (OVBC) receives a "Hold" rating with a composite score of 51.0/100. It ranks #1852 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for OVBC.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 32 | 48 | -16DRAG |
| MOMENTUM | 83 | 91 | -8DRAG |
| VALUATION | 42 | 46 | -4NEUTRAL |
| INVESTMENT | 47 | 92 | -45DRAG |
| STABILITY | 51 | 52 | -1NEUTRAL |
| SHORT INT | 14 | 2 | +12ALPHA |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 10.8% vs WACC 10.2% (spread +0.6%)
GM 0% vs sector 78%, OM 22% vs sector 18%
Capital turnover 0.78x
Rev growth 16%, 10yr history
Interest coverage 0.5x, Net debt/EBITDA 7.3x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate OHIO VALLEY BANC CORP (OVBC) as a Hold with a composite score of 51.0/100 at a current price of $43.53. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
OHIO VALLEY BANC CORP holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 51.0/100 places it at rank #1852 in our full universe.
The near-term outlook is constructive, with revenue growing at 16% and momentum in the 83th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
No Moat
Medium
Poor
Fair Value
Positive momentum indicates institutional accumulation.
Stable competitive position in a defensive sector.
Leverage of 855% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
OHIO VALLEY BANC CORP represents a hold based on multi-factor quantitative performance.
Our model assigns OHIO VALLEY BANC CORP a Hold rating, with a composite score of 51.0/100 and 3 out of 5 stars. Ranked #1852 of 7,333 stocks, OVBC presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
OVBC's quality score of 32/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 8.7% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 17.6% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 42/100, OVBC appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 14.45x, an EV/EBITDA of 11.68x, a P/B ratio of 1.26x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
With an investment score of 47/100, OVBC exhibits moderate growth-oriented spending. Key growth metrics include revenue growth of 15.5% vs. a sector average of 10.7% and a return on assets of 0.9% (sector: 1.3%). The company appears to be balancing growth investments with capital returns, though the pace of investment may not be enough to accelerate top-line growth meaningfully.
OVBC shows strong momentum characteristics with a score of 83/100. The stock has been trending above key moving averages, indicating solid demand from institutional buyers. Revenue growth stands at 15.5% year-over-year, while a beta of 0.38 reflects its sensitivity to broader market moves. This level of momentum typically signals sustained investor confidence and favorable near-term price action.
With a stability score of 51/100, OVBC exhibits average financial resilience. Key stability metrics include a beta of 0.38 and a debt-to-equity ratio of 855.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
OHIO VALLEY BANC CORP's short interest score of 14/100 reveals significant bearish positioning, suggesting institutional investors are actively betting against the stock. Specific risk factors include elevated leverage (D/E: 855.00x), micro-cap liquidity risk. At $173M (micro-cap), OVBC carries meaningful risk and is best suited for investors with high risk tolerance who have thoroughly evaluated the bear thesis.
OVBC pays a solid dividend yield of 2.5%, contributing an income component to total returns. This compares to a sector average dividend yield of 2.0%. This moderate yield suggests a balance between returning capital to shareholders and retaining earnings for reinvestment — a common profile among quality compounders.
OHIO VALLEY BANC CORP is a micro-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #1852 of 7,333 overall (75th percentile). Key comparisons include ROE of 8.7% trailing the 9.0% sector median and operating margins of 21.8% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While OVBC currently exhibits a HOLD profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
Key factor gap
Momentum (83) vs Short Int. (14) — closing this gap could shift the rating.
EV/EBITDA 50% ABOVE SECTOR MEDIAN
ROE IN LINE WITH SECTOR BENCHMARKS
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...
Ohio Valley Banc Corp. [Nasdaq: OVBC] (the "Company") reported consolidated net income for the quarter ended December 31, 2025, of $3,955,000, an increase of $1,440,000, or 57.3%, from the same period the prior year. Earnings per share for the fourth quarter of 2025 were $.84 compared to $.53 for the prior year fourth quarter. For the year ended December 31, 2025, net income totaled $15,601,000, an increase of $4,602,000, or 41.8%, from the same period the prior year. Earnings per share were $3.
When insiders purchase shares, it indicates their confidence in the company's prospects or that they view the stock as a bargain. Either way, this signals an opportunity to go long on the stock. Insider purchases should not be taken as the only indicator for making an investment or trading decision. At best, it can lend conviction to a buying decision. Below is a look at a few recent notable insider purchases. For more, check out Benzinga's insider transactions platform. Northern Technologies International The Trade: Northern Technologies International Corporation (NASDAQ: NTIC) Director Sarah Kemp acquired a total of 2,473.373 shares an average price of $12.13. To acquire these shares, it ...
Ohio Valley Banc Corp. (NASDAQ: OVBC) announced a cash dividend of $0.23 per common share payable on February 10, 2026, to shareholders of record as of January 23, 2026. The company's Board of Directors expressed confidence in navigating challenges and opportunities in 2026 while continuing its Community First mission.
The Gallipolis, Ohio-based bank said it had earnings of 84 cents per share. The bank holding company posted revenue of $23.6 million in the period. Its revenue net of interest expense was $16.2 million, topping Street forecasts.