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Upturn AI SWOT - About
OVBC 
Ohio Valley Banc Corp (OVBC)
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Upturn Advisory Summary
04/01/2025: OVBC (1-star) is a SELL. SELL since 1 days. Profits (4.72%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -41.16% | Avg. Invested days 23 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 130.07M USD | Price to earnings Ratio 11.18 | 1Y Target Price - |
Price to earnings Ratio 11.18 | 1Y Target Price - | ||
Volume (30-day avg) 16685 | Beta 0.02 | 52 Weeks Range 18.81 - 32.81 | Updated Date 03/30/2025 |
52 Weeks Range 18.81 - 32.81 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 3.52% | Basic EPS (TTM) 2.47 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.42% | Operating Margin (TTM) 23.8% |
Management Effectiveness
Return on Assets (TTM) 0.83% | Return on Equity (TTM) 8.1% |
Valuation
Trailing PE 11.18 | Forward PE - | Enterprise Value 98322736 | Price to Sales(TTM) 2.12 |
Enterprise Value 98322736 | Price to Sales(TTM) 2.12 | ||
Enterprise Value to Revenue 2.85 | Enterprise Value to EBITDA - | Shares Outstanding 4711000 | Shares Floating 3724894 |
Shares Outstanding 4711000 | Shares Floating 3724894 | ||
Percent Insiders 20.28 | Percent Institutions 15.4 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Ohio Valley Banc Corp
Company Overview
History and Background
Ohio Valley Banc Corp. was founded in 1872. It operates as the holding company for The Ohio Valley Bank Company, providing community banking services.
Core Business Areas
- Community Banking: Offers a range of commercial and retail banking services, including checking and savings accounts, loans, and other financial products.
Leadership and Structure
The leadership team comprises experienced banking professionals. The organizational structure consists of various departments focusing on lending, operations, and customer service.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers loans to businesses of various sizes. Limited market share data available, competitive landscape includes larger national and regional banks.
- Competitors: JPM,BAC,PNC
- Competitors: WFC,USB,MTG
- Residential Mortgages: Provides mortgages to individuals. Market share is relatively small in comparison to larger lenders.
Market Dynamics
Industry Overview
The banking industry is undergoing digital transformation and faces increasing regulatory scrutiny. Interest rate fluctuations and economic conditions impact profitability.
Positioning
Ohio Valley Banc Corp. focuses on community banking, emphasizing personalized service and local market knowledge. Competitive advantage lies in its relationship-based approach.
Total Addressable Market (TAM)
TAM for community banking services is significant, encompassing individuals and small businesses. OVBC captures a niche within this TAM through localized banking solutions.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Relationship-based customer service
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Dependency on local economy
- Lower marketing budget
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Partnerships with fintech companies
- Acquisition of smaller community banks
Threats
- Increasing competition from larger banks
- Regulatory changes
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PNC
- FRC
- BAC
Competitive Landscape
Ohio Valley Banc Corp faces competition from larger national and regional banks with greater resources and brand recognition. Its strength lies in local market knowledge and customer relationships.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth is tied to expansion strategies and economic conditions. Requires financial data for past years.
Future Projections: Future projections depend on market forecasts and company strategies. Requires analyst estimates and management guidance.
Recent Initiatives: Recent initiatives are usually mentioned in quarterly reports.
Summary
Ohio Valley Banc Corp is a community bank with a focus on local markets. It leverages strong customer relationships but faces competition from larger banks and economic challenges. The bank's future hinges on its ability to adapt to changing market conditions and effectively implement strategic initiatives. Growth opportunities exist through market expansion and digital banking adoption. Conservative lending practices provide stability, but limited scale may restrict growth.
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WSBC
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Sources and Disclaimers
Data Sources:
- Company Website
- Financial News Articles
- Industry Reports
Disclaimers:
The information provided is based on available data and represents a general overview. It should not be considered financial advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Ohio Valley Banc Corp
Exchange NASDAQ | Headquaters Gallipolis, OH, United States | ||
IPO Launch date 1996-02-09 | President, CEO & Director Mr. Larry E. Miller II | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 271 | Website https://www.ovbc.com |
Full time employees 271 | Website https://www.ovbc.com | ||
Ohio Valley Banc Corp. operates as the bank holding company for The Ohio Valley Bank Company that provides commercial and consumer banking products and services. The company operates in two segments, Banking and Consumer Finance. It accepts various deposit products, including checking, savings, time, and money market accounts, as well as individual retirement accounts, demand deposits, NOW accounts, and certificates of deposit. The company also provides various residential real estate loans, including one-to four-family residential mortgages; commercial loans for securing equipment, inventory, stock, commercial real estate, and rental property; and consumer loans secured by automobiles, mobile homes, recreational vehicles, and other personal property, as well as personal loans, unsecured credit card receivables, floor plan and student loans, and construction loans. In addition, it offers safe deposit box, wire transfer, credit card, home equity loans, and Internet banking services; and financial management online services, such as cash management and news updates related to repossession auctions, current rates, and general bank news. Further, the company provides automatic teller machines (ATMs), consumer finance, seasonal tax preparation, commercial property, and various liability insurance services, as well as trust and online-only consumer direct mortgage services. The company owns and operates ATMs, including off-site ATMs. It operates offices in Ohio and West Virginia. The company was founded in 1872 and is based in Gallipolis, Ohio.
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