Ohio Valley Banc Corp. (OVBC) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Franklin Financial Services Corp. (Pennsylvania)

OP Bancorp

FNCB Bancorp, Inc.

First Community Corp. (South Carolina)

Peoples Bancorp of North Carolina, Inc.

Hawthorn Bancshares, Inc.

Ohio Valley Banc Corp.

United Security Bancshares (California)

Hanover Bancorp, Inc.

First Guaranty Bancshares, Inc.

Partners Bancorp

Why is Ohio Valley Banc Corp. ?

High Profitability with a Net Interest Margin of 6.46%

Positive results in Dec 25

NII(Q) Highest at USD 15.47 MM
ROCE(HY) Highest at 1.01%
DIVIDEND PER SHARE(HY) Highest at USD 0

With ROA of 0.82%, it has a attractive valuation with a 1.32 Price to Book Value

Over the past year, while the stock has generated a return of 42.32%, its profits have risen by 41.8% ; the PEG ratio of the company is 0.4

High Institutional Holdings at 30.95%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 2.19% over the previous quarter.

Market Beating performance in long term as well as near term

Along with generating 42.32% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Ohio Valley Banc Corp. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Ohio Valley Banc Corp. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Ohio Valley Banc Corp.

43.27%

2.36

36.90%

S&P 500

13.68%

0.71

19.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

13.05%

EBIT Growth (5y)

7.76%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

27.48%

Pledged Shares

Institutional Holding

30.95%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.32

EV to EBIT

11.71

EV to EBITDA

11.71

EV to Capital Employed

1.32

EV to Sales

2.67

PEG Ratio

0.35

Dividend Yield

1.93%

ROCE (Latest)

11.28%

ROE (Latest)

9.16%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Mildly Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

Mildly Bullish

OBV

No Trend

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

11What is working for the Company

NII(Q)

Highest at USD 15.47 MM

ROCE(HY)

Highest at 1.01%

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(HY)

Highest at 89.95%

NET SALES(Q)

Highest at USD 22.85 MM

OPERATING PROFIT(Q)

Highest at USD 7.5 MM

OPERATING PROFIT MARGIN(Q)

Highest at 32.81 %

-7What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 10.29 MM

ROCE(HY)

Lowest at 1.01%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 0%

EPS(Q)

Lowest at USD 0

Here's what is working for Ohio Valley Banc Corp.

NII

Highest at USD 15.47 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 22.85 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 7.5 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 32.81 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Credit Deposit Ratio

Highest at 89.95%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for Ohio Valley Banc Corp.

Operating Cash Flow

Lowest at USD 10.29 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

EPS

Lowest at USD 0

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Dividend Payout Ratio

Lowest at 0%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)