Ohio Valley Financials

OVBC Stock  USD 27.36  0.36  1.33%   
Based on the key measurements obtained from Ohio Valley's financial statements, Ohio Valley Banc may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, Ohio Valley's Accounts Payable is projected to increase significantly based on the last few years of reporting. The current year's Cash is expected to grow to about 134.5 M, whereas Total Assets are forecasted to decline to about 890.4 M. Key indicators impacting Ohio Valley's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.150.2233
Way Down
Slightly volatile
Return On Assets0.00720.0093
Significantly Down
Very volatile
Return On Equity0.110.0877
Significantly Up
Very volatile
Debt Equity Ratio0.350.37
Notably Down
Slightly volatile
Operating Income11.2 M21.8 M
Way Down
Slightly volatile
Current Ratio0.160.1735
Significantly Down
Slightly volatile
The essential information of the day-to-day investment outlook for Ohio Valley includes many different criteria found on its balance sheet. An individual investor should monitor Ohio Valley's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Ohio Valley.

Net Income

8.04 Million

  
Understanding current and past Ohio Valley Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Ohio Valley's financial statements are interrelated, with each one affecting the others. For example, an increase in Ohio Valley's assets may result in an increase in income on the income statement.
Please note, the presentation of Ohio Valley's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Ohio Valley's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Ohio Valley's management manipulating its earnings.

Ohio Valley Stock Summary

Ohio Valley competes with Home Federal, Lake Shore, Community West, Magyar Bancorp, and Oak Valley. 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. Ohio Valley Banc Corp. was founded in 1872 and is headquartered in Gallipolis, Ohio. Ohio Valley operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 255 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS6777191064
CUSIP677719106
LocationOhio; U.S.A
Business Address420 Third Avenue,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.ovbc.com
Phone740 446 2631
CurrencyUSD - US Dollar

Ohio Valley Key Financial Ratios

Ohio Valley Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets1.0B1.2B1.2B1.2B1.4B890.4M
Other Current Liab748.5M943.3M697.7M670.0M754.6M675.1M
Net Debt(11.2M)(103.6M)(125.1M)(20.1M)(73.8M)(70.1M)
Retained Earnings86.8M93.0M100.7M109.3M114.9M120.6M
Accounts Payable17.7M20.1M993.7M1.1B953.9M1.0B
Cash54.7M140.8M154.4M47.9M128.1M134.5M
Other Assets705.6M778.5M699.1M753.4M(181.9M)(172.8M)
Net Receivables2.6M3.3M2.7M3.1M3.6M2.2M
Total Liab43.5M37.2M29.3M27.7M1.2B646.6M
Total Current Assets162.6M256.4M334.1M235.0M264.0M250.8M
Short Term Debt7.5M6.5M3.3M3.8M8.0M11.1M
Other Current Assets58.5M144.8M157.5M51.6M132.3M125.7M
Common Stock5.4M5.4M5.4M5.5M5.5M5.1M
Other Liab15.8M17.7M19.6M19.2M22.1M12.6M
Long Term Debt42.5M36.4M28.1M26.4M53.1M35.4M
Inventory(58.5M)(144.8M)(157.5M)(51.6M)(131.7M)(125.1M)
Intangible Assets174K112K64K29K8K7.6K
Net Tangible Assets120.7M128.9M134.0M127.7M146.8M111.6M
Long Term Debt Total42.5M36.4M28.1M26.4M30.4M39.1M
Capital Surpluse47.9M49.5M51.2M51.7M59.5M47.9M

Ohio Valley Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense7.3M6.2M3.7M2.8M15.8M10.2M
Total Revenue51.0M49.4M50.9M54.9M56.6M42.1M
Gross Profit51.0M49.4M50.9M54.9M74.5M42.8M
Operating Income11.7M12.3M14.0M18.8M21.8M11.2M
Ebit11.7M12.4M14.1M16.0M15.1M10.9M
Ebitda11.9M13.8M15.6M17.5M16.8M12.1M
Income Before Tax11.7M12.3M14.0M15.9M15.2M10.6M
Net Income9.9M10.3M11.7M13.3M12.6M8.0M
Income Tax Expense1.8M2.0M2.3M2.6M2.6M2.6M
Tax Provision1.8M2.0M2.3M2.6M2.4M2.0M
Net Interest Income42.7M40.0M41.0M44.8M46.8M45.1M
Interest Income49.9M46.2M44.7M47.6M57.6M50.8M

Ohio Valley Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash(18.8M)85.9M13.7M(106.0M)82.1M86.2M
Free Cash Flow8.5M9.0M12.1M14.0M18.1M19.0M
Depreciation1.5M1.5M1.6M1.6M1.6M1.4M
Other Non Cash Items(1.3M)427K(14K)704K549K576.5K
Dividends Paid4M4.0M4.0M4.7M4.9M3.5M
Capital Expenditures6.2M3.5M1.1M2.0M3.0M2.9M
Net Income9.9M10.3M11.7M13.3M12.6M8.0M
End Period Cash Flow52.4M138.3M152.0M46.0M128.1M134.5M
Investments5.9M(88.7M)(52.6M)(82.3M)(85.8M)(81.5M)
Net Borrowings(5.7M)(6.1M)(8.2M)(1.7M)(1.9M)(2.0M)
Change To Netincome10.5M2.5M16.6M6.4M7.4M4.9M
Change Receivables74K(755K)624K(417K)(375.3K)(356.5K)

Ohio Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Ohio Valley's current stock value. Our valuation model uses many indicators to compare Ohio Valley value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Ohio Valley competition to find correlations between indicators driving Ohio Valley's intrinsic value. More Info.
Ohio Valley Banc is regarded third in return on equity category among its peers. It is regarded fourth in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Ohio Valley Banc is roughly  9.76 . At present, Ohio Valley's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Ohio Valley's earnings, one of the primary drivers of an investment's value.

Ohio Valley Banc Systematic Risk

Ohio Valley's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Ohio Valley volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was four with a total number of output elements of fifty-seven. The Beta measures systematic risk based on how returns on Ohio Valley Banc correlated with the market. If Beta is less than 0 Ohio Valley generally moves in the opposite direction as compared to the market. If Ohio Valley Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Ohio Valley Banc is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Ohio Valley is generally in the same direction as the market. If Beta > 1 Ohio Valley moves generally in the same direction as, but more than the movement of the benchmark.

About Ohio Valley Financials

What exactly are Ohio Valley Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Ohio Valley's income statement, its balance sheet, and the statement of cash flows. Potential Ohio Valley investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Ohio Valley investors may use each financial statement separately, they are all related. The changes in Ohio Valley's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Ohio Valley's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.
Today, most investors in Ohio Valley Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Ohio Valley's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Ohio Valley growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(1.54)

At present, Ohio Valley's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Ohio Valley November 27, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Ohio Valley help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Ohio Valley Banc. We use our internally-developed statistical techniques to arrive at the intrinsic value of Ohio Valley Banc based on widely used predictive technical indicators. In general, we focus on analyzing Ohio Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Ohio Valley's daily price indicators and compare them against related drivers.

Complementary Tools for Ohio Stock analysis

When running Ohio Valley's price analysis, check to measure Ohio Valley's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Ohio Valley is operating at the current time. Most of Ohio Valley's value examination focuses on studying past and present price action to predict the probability of Ohio Valley's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Ohio Valley's price. Additionally, you may evaluate how the addition of Ohio Valley to your portfolios can decrease your overall portfolio volatility.
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