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Ohio Valley Banc Corp (OVBC) Fair Value & Analysis

Financial Services · US · Market cap $227M

Price$42.44
Fair Value$43.05
Upside+1.4%
Quality95/100
Evidence: High Range $32.29 – $53.81

Fair value as of: Jun 26, 2026

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Analysis

Ohio Valley Banc Corp (OVBC) currently trades at $42.44, while our model-based Fair Value estimate is $43.05 — implying the stock looks roughly 1.4% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Ohio Valley Banc Corp. operates as the bank holding company for The Ohio Valley Bank Company that provides commercial and retail banking products and services. 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 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 …

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Frequently asked questions

Is Ohio Valley Banc Corp (OVBC) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $43.05 versus a price of $42.44 — about +1% (undervalued). Model-based estimate, not financial advice.
What is the fair value of OVBC?
Our 21-model fair value for Ohio Valley Banc Corp is $43.05 (as of Jun 26, 2026), built from audited fundamentals. The current price is $42.44.
What is the quality score of OVBC?
Ohio Valley Banc Corp has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.