NASDAQ
OVBC
Last Price
US $43.72
KEY FIGURES
MKT CAP
$209.9M
EPS
TTM
$3.29
PEG
TTM
0.61x
P/E
TTM
13.59x
P/S
TTM
2.23x
YIELD
2.11%
GROWTH
Revenue Y/Y
Cash Flow (DCF)
Fair Value
Market $43.72
19.97%
Default assumptions
EBITDA Multiple
Fair Value
Market $43.72
-60.66%
Default assumptions
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
Ohio Valley Banc Corp. cash flow to debt ratio of 32.73% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.
Financial stability - Healthy cash flow growth.
Ohio Valley Banc Corp.'s free cash flow has increased 45.98% from $11.66M last year to $17.03M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
Ohio Valley Banc Corp.'s debt to equity ratio is 0.31, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
Ohio Valley Banc Corp.'s debt has decreased relative to shareholder equity from 0.33 last year to 0.31 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
Ohio Valley Banc Corp. has a net debt to EBITDA ratio of 2.61x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Ohio Valley Banc Corp. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Ohio Valley Banc Corp.'s profit margin has increased (29.77%) in the last year from 12.37% to 16.05%, signaling increasing performance
Financial stability - Short term assets vs short term liabilities.
Ohio Valley Banc Corp.'s short-term assets of $51.77M exceed its short-term liabilities of $923.00
Decreasing performance - ROA.
Ohio Valley Banc Corp.'s return on assets of 0.92% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Ohio Valley Banc Corp.'s return on equity of 9.29%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
Ohio Valley Banc Corp.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Ohio Valley Banc Corp. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Ohio Valley Banc Corp. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Ohio Valley Banc Corp. has a free cash flow yield of 8.11%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Ohio Valley Banc Corp.'s yearly earnings has increased 41.84% since last year from $11.00M to $15.60M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Ohio Valley Banc Corp.'s yearly revenue has increased 5.93% since last year from $88.93M to $94.21M, signaling increasing performance
Decreasing performance - ROIC.
ROIC 0.92% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
Ohio Valley Banc Corp.'s 3-year revenue CAGR of 17.70% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Ohio Valley Banc Corp. had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Ohio Valley Banc Corp. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
Ohio Valley Banc Corp. is undervalued relative to its fair value price of 52.45 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Ohio Valley Banc Corp. has an earnings yield of 7.38%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Ohio Valley Banc Corp. is overvalued relative to its fair value price of 17.20 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Ohio Valley Banc Corp. has an EV/EBITDA ratio of 12.87x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Ohio Valley Banc Corp. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Ohio Valley Banc Corp. has a price-to-book ratio of 1.23x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Ohio Valley Banc Corp. has a price-to-sales ratio of 2.17x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
9.29%
Return on equity
ROIC: 0.92%
Valuation History
13.6X
Price to Earnings
EV/EBITDA: 12.9X
Cash flow
Profit margin
11.12%
(FY vs FY)
EBITDA Y/Y
8.86%
(FY vs FY)
Cash flow Y/Y
13.50%
(FY vs FY)
Base valuations use default assumptions. Customize in the Valuator.