NASDAQ
OVBC
Last Price
US $48.73
KEY FIGURES
MKT CAP
$229.6M
EPS
TTM$3.07
EPS Growth (1Y)
42.06%
PEG
TTM1.74x
P/E
TTM15.86x
P/S
TTM2.23x
YIELD
2.0%
Base Cash Flow Valuation (DCF)
Fair Value
Market $48.73
31.79%
Default assumptions
Base EBITDA Valuation
Fair Value
Market $48.73
-59.41%
Valuation
Financial
Performance
Cash flow to 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.
Free 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
Debt-to-equity ratio
Ohio Valley Banc Corp.'s debt to equity ratio is 0.24, which means that the company's assets are healthy financed, signaling financial stability.
Debt-to-equity trend
Ohio Valley Banc Corp.'s debt has decreased relative to shareholder equity from 0.33 last year to 0.24 today, signaling strengthened financials
Net debt to EBITDA
Ohio Valley Banc Corp. has a net debt to EBITDA ratio of 2.60x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Interest coverage
Ohio Valley Banc Corp. earns at least as much interest as it pays. Interest obligations are fully covered.
Profit margin growth
Ohio Valley Banc Corp.'s profit margin was 12.37% last year and is 14.07% this year, signaling increasing performance
Current ratio
Ohio Valley Banc Corp.'s short-term assets of $51.77M exceed its short-term liabilities of $923.00
Return on assets
Ohio Valley Banc Corp.'s return on assets of 874.38% is higher than the 5.00% threshold, indicating efficient asset utilization
Return on equity
Ohio Valley Banc Corp.'s return on equity of 8.46%, is lower than 15.00%, indicating bad performance
Earnings quality
Ohio Valley Banc Corp.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Earnings stability
Ohio Valley Banc Corp. had positive net income in 5 out of 5 years, indicating stable and consistent earnings
Positive free cash flow
Ohio Valley Banc Corp. has positive free cash flow, indicating the company generates cash after capital expenditures
Free cash flow yield
Ohio Valley Banc Corp. has a free cash flow yield of 7.44%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
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
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
Return on invested capital
ROIC 4.77K% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.
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
Revenue consistency
Ohio Valley Banc Corp. had revenue growth in 4 out of 5 years, indicating consistent revenue performance
Return on equity consistency
Ohio Valley Banc Corp. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity
Base Cash Flow Valuation (DCF)
Ohio Valley Banc Corp. is undervalued relative to its fair value price of 64.22 based on Base Cash Flow Valuation (DCF) model
Earnings yield (TTM)
Ohio Valley Banc Corp. has an earnings yield of 6.32%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Base EBITDA Valuation
Ohio Valley Banc Corp. is overvalued relative to its fair value price of 19.78 based on Base EBITDA Valuation model
EV/EBITDA (FY)
Ohio Valley Banc Corp. has an EV/EBITDA ratio of 13.42x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
PEG ratio (TTM/FY)
Ohio Valley Banc Corp. has a PEG-ratio over 1 which is considered overvalued
Price-to-book ratio (FY)
Ohio Valley Banc Corp. has negative shareholder equity; price-to-book is not meaningful and the check fails
Price-to-sales ratio (TTM)
Ohio Valley Banc Corp. has a price-to-sales ratio of 2.23x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
8.46%
Return on equity
ROIC: 70.99%
Valuation History
15.9X
Price to Earnings
EV/EBITDA: 15.2X
Cash flow
Profit margin
GROWTH (5Y CAGR)
Revenue
11.12%
EBITDA
8.86%
Cash flow
13.50%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.