Ohio Valley Banc Corp. (OVBC) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

-44.6%

$27.55

vs $49.75 price

Levered DCF

$33.94

After debt service

Piotroski score

7 / 9

Strong

Altman Z-score

311.07

Safe zone

Rating

B+

Overall 3 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
P/E	12.08×	10.39×	8.68×	9.44×	12.1×	11.03×	19.05×	13.99×
P/B	1.11×	0.76×	0.76×	0.93×	1×	0.83×	1.47×	1.42×
P/S	2×	1.29×	1.47×	2.18×	2.6×	2.03×	3.24×	2.88×
EV / EBITDA	11.51×	5.35×	2.15×	6.05×	1.07×	0.68×	13.49×	9.16×
Gross margin	67.6%	66.9%	75.9%	95.1%	94.0%	83.5%	85.8%	88.8%
Operating margin	20.6%	15.0%	20.4%	27.6%	25.7%	22.1%	20.1%	24.4%
Net margin	16.6%	12.4%	17.0%	23.1%	21.5%	18.4%	17.0%	20.5%
Current ratio	56,092.09×	0.22×	0.26×	0.23×	0.32×	0.25×	0.19×	0.21×
Debt / equity	0.32×	0.33×	0.38×	0.21×	0.21×	0.27×	0.34×	0.41×
Interest coverage	0.71×	0.5×	0.96×	5.61×	3.79×	1.99×	1.61×	2.6×
Dividend yield	2.3%	3.6%	4.4%	3.7%	2.8%	3.6%	2.1%	2.4%
Payout ratio	27.5%	38.0%	38.6%	35.4%	34.2%	39.2%	40.4%	33.2%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Return on equity	9.2%	7.3%	8.8%	9.9%	8.3%	7.5%	7.7%	10.1%
Return on invested capital	30.1%	4.8%	5.6%	7.3%	6.2%	5.9%	5.8%	7.2%
Return on assets	1.0%	0.7%	0.9%	1.1%	0.9%	0.9%	1.0%	1.2%
Free cash flow yield	9.0%	10.2%	16.4%	11.1%	8.5%	8.0%	4.5%	9.2%
Earnings yield	8.3%	9.6%	11.5%	10.6%	8.3%	9.1%	5.2%	7.1%
Enterprise value	$243.5M	$80.8M	$36M	$105.9M	$16.7M	$9.4M	$177.7M	$142.2M
Net debt / EBITDA	2.61×	-2.24×	-4.4×	-1.15×	-8×	-7.48×	-0.85×	-1.61×
Cash conversion cycle (days)	0	20	18	20	18	22	16	17