Ohio Valley Banc Corp. (OVBC) Fair Value 2026

OVBC · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.4 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-27, Ohio Valley Banc Corp. (OVBC) trades at $45.37, versus a $34.77 median fair value across its 6 active models — 23.4% below the current price. QOC: 8.4/10. Value Trap Risk: 0/100 (SAFE). 6/13 models active.

Key Facts

Ticker
OVBC
Price
$45.37
Quality Score
8.4/10
Value Trap Risk
0/100
Models Active
6/13
Last Updated
Strength: Markov DDM suggests +12.3% upside with 56% confidence
Risk: Majority of models suggest overvaluation

Is Ohio Valley Banc Corp. (OVBC) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Ohio Valley Banc Corp. (OVBC) appears overvalued as of : the median of 6 independent fair value estimates is $34.77, 23.4% below the current price of $45.37. Estimates range from $29.40 to $50.93. OVBC scores 8.4/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. OVBC’s -23.4% gap is narrower than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Ohio Valley Banc Corp. Stock in 2026? →

What Fair Value Does Each Model Give OVBC?

6 Intrinsic Value Models vs. Current Price ($45.37)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $31.97 -29.5%
Ensemble · Medium Conviction
 $34.99 -22.9%
Intrinsic · High Conviction
 $50.93 +12.3%
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What Is OVBC's Fair Value Range?

Spread across 6 independent models · $29.40 to $50.93

CirclFi's 6 active models place Ohio Valley Banc Corp. (OVBC) between $29.40 and $50.93 per share, a spread of 62% of the median. The median of that range — $34.77 — is the fair value CirclFi publishes for OVBC, against a current price of $45.37.

Low · ML-RIVHigh · Markov DDM
$29.40median $34.77$50.93
Where the range comes from
Most bearish modelML Residual Income$29.40
Most bullish modelMarkov DDM$50.93
Model agreement1 bullish · 5 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on OVBC, not a CirclFi price target. How each model works →

What Is Ohio Valley Banc Corp. (OVBC) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Ohio Valley Banc Corp.'s intrinsic value is estimated at $34.77. Trading at its current price of $45.37, the valuation engine raises significant caution: 5 of 6 models flag downside risk, projecting a median implied return of -23.4%. Notably, Markov DDM sees the most upside at +12.3% (fair value: $50.93), while ML-RIV is the most conservative at -35.2% ($29.40). The spread between these extremes — +47.5% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About OVBC?

6 of 13 models are currently active for OVBC. Of these, 1 model suggests upside while 5 models suggest overvaluation. Taken together, their median fair value for OVBC is $34.77 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does OVBC Rank in Banks - Regional?

Among 349 Banks - Regional stocks, OVBC ranks #72 by Quality of Company score. CirclFi's QOC score of 8.4/10 evaluates 32 fundamental signals. A score of 8.4 places OVBC in the top tier.

See all Most Undervalued Banks - Regional Stocks →

Ohio Valley Banc Corp.'s positioning within the Banks - Regional segment means that deposit growth plays an outsized role in fundamental analysis. The sector's unique characteristics — including interest rate environment — shape both the opportunity set and risk profile.

Is OVBC a Value Trap?

CirclFi's Value Trap algorithm assigns OVBC a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Ohio Valley Banc Corp.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Ohio Valley Banc Corp. earns a quality score of 8.4/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +47.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every OVBC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across OVBC's 6 active models, average confidence is 45%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Ohio Valley Banc Corp. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

BOTJBank of the James Financial Group, Inc.QOC 8.4MCBSMetroCity Bankshares, Inc.QOC 8.4HBCPHome Bancorp, Inc.QOC 8.4WBHCWilson Bank Holding CompanyQOC 8.4SYBTStock Yards Bancorp, Inc.QOC 8.4AMTBAmerant Bancorp Inc.QOC 8.4CBKMConsumers Bancorp, Inc.QOC 8.1FVCBFVCBankcorp, Inc.QOC 7.6CARVCarver Bancorp, Inc.QOC 5.7ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: BOTJ · MCBS · HBCP · WBHC · SYBT · AMTB · CBKM · FVCB · CARV · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to OVBC?

7 companies across all industries closest to OVBC’s Quality of Company score of 8.4/10.

SNSharkNinja, Inc.QOC 8.4GNEGenie Energy Ltd.QOC 8.4HURNHuron Consulting Group Inc.QOC 8.4VECOVeeco Instruments Inc.QOC 8.4TSLATesla, Inc.QOC 8.4SSRMSSR Mining Inc.QOC 8.4NVDANVIDIA CorporationQOC 10.0

Read investment analysis: SN · GNE · HURN · VECO · TSLA · SSRM · NVDA

Where Does OVBC Sit in CirclFi's Banks - Regional Rankings?

OVBC is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Ohio Valley Banc Corp.’s Valuation?

What is Ohio Valley Banc Corp.'s intrinsic value in 2026?

CirclFi puts Ohio Valley Banc Corp. (OVBC)'s intrinsic value at $34.77 — the median of 6 independent model estimates as of 2026-08-27, ranging from $29.40 to $50.93. The Quality of Company score is 8.4/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is OVBC overvalued or undervalued right now?

At $45.37, 1 of 6 active models suggest OVBC may be undervalued, while 5 indicate potential overvaluation. The median of all 6 fair value estimates is $34.77, 23.4% below the current price of $45.37 — a consensus view that OVBC is overvalued. The assessment depends on which methodology best fits Ohio Valley Banc Corp.'s business model in Banks - Regional.

What does a Quality of Company score of 8.4 mean for OVBC?

Ohio Valley Banc Corp.'s QOC of 8.4/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on OVBC?

CirclFi analyzes OVBC with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on OVBC?

Of the 6 models currently active on OVBC, Markov DDM is the most bullish at $50.93 per share, and ML Residual Income is the most bearish at $29.40. CirclFi's published fair value for OVBC is the median of that range, $34.77, not either extreme. The gap between the two ends equals 62% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is OVBC a value trap in 2026?

Ohio Valley Banc Corp.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Ohio Valley Banc Corp. (OVBC) has a median fair value of $34.77 — 23.4% below the current price of $45.37 — as of 2026-08-27.” Source: circlfi.com/stock/OVBC/ · Methodology
Primary sources for this OVBC valuation
  • Financial statements: Ohio Valley Banc Corp. 10-K and 10-Q filings on SEC EDGAR (CIK 0000894671) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for OVBC as of ; valuations recomputed .

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