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Last $23.01 USD
Change Today +0.01 / 0.04%
Volume 944.0
OVBC On Other Exchanges
Symbol
Exchange
NASDAQ GM
As of 8:10 PM 04/24/15 All times are local (Market data is delayed by at least 15 minutes).
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Company Description

Contact Info

420 Third Avenue

PO Box 240

Gallipolis, OH 45631

United States

Phone: 740-446-2631

Fax: 740-446-7688

Ohio Valley Banc Corp. operates as the holding company for The Ohio Valley Bank Company that provides commercial and retail banking services. The company also owns two nonbank subsidiaries, such as Loan Central, Inc., which engages in lending (Loan Central); and Ohio Valley Financial Services Agency, LLC, which is used to facilitate the receipt of commissions on insurances sold by the bank and Loan Central (Ohio Valley Financial Services), as well as one wholly-owned subsidiary trust formed to issue a trust preferred security. The company also owns a minority interest in an insurance company. The company has 15 offices located in Ohio and West Virginia, all but 1 offering automatic teller machines. Seven of these offices also offer drive-up services. The company offers a blend of commercial and consumer banking services within southeastern Ohio, as well as western West Virginia. The banking services offered by the company include the acceptance of deposits in checking, savings, time, and money market accounts; the making and servicing of personal, commercial, floor plan, and student loans; and the making of construction and real estate loans. The company also offers individual retirement accounts, safe deposit boxes, wire transfers, and other standard banking products and services. As part of its lending function, the company offers credit card services. In addition to originating loans, the company invests in the U.S. government and agency obligations, interest-bearing deposits in other financial institutions, and other investments permitted by applicable law. In addition, the company offers an automated telephone banking system, OVB Line, which allows customers to access their personal accounts or business account information, make loan payments or fund transfers, and obtain current rate information, all from a touch-tone telephone. The company also offers Internet banking to its customers, which allows customers to perform various transactions using a computer from any location as long as they have access to the Internet and a secure browser. In addition, the company offers other financial management online services, such as cash management and news updates related to repossession auctions, current rates, and general bank news. Loan Central engages in consumer finance, offering smaller balance personal and mortgage loans to individuals with higher credit risk history. Loan Central’s line of business also includes seasonal tax refund loan services. Loan Central has seven offices, all located within southeastern Ohio. Loan Central also operates in Scioto and Ross counties of Ohio, which is outside the company’s primary market area. Ohio Valley Financial Services is a licensed insurance agency that is used to facilitate the receipt of commissions on insurance sold by the bank and Loan Central. Ohio Valley Financial Services is licensed by the State of Ohio Department of Insurance. The company also holds a non-majority equity interest in ProAlliance Corp., an insurance company. ProAlliance Corp. primarily engages in specialty property and casualty insurance coverage, and has been approved under the guidelines of the State of Ohio Department of Insurance. Lending Activities Residential Real Estate Loans: The company’s residential real estate loans consist primarily of one- to four-family residential mortgages. Its market area for real estate lending is primarily located in southeastern Ohio and portions of western West Virginia. The company sells a portion of its new fixed-rate real estate loan originations to the Federal Home Loan Mortgage Corporation. Commercial Loans: The company’s commercial loan portfolio consists of loans to corporate borrowers primarily in small to mid-sized industrial and commercial companies that include service, retail, and wholesale merchants. Collateral securing these loans includes equipment, inventory, stock, commercial real estate, and rental property. Consumer Loans: Consumer loans are secured by automobiles, mobile homes, recreational vehicles, and other personal property. Personal loans and unsecured credit card receivables are also included as consumer

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OVBC

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Valuation OVBC Industry Range
Price/Earnings 11.7x
Price/Sales 2.3x
Price/Book 1.1x
Price/Cash Flow 11.7x
TEV/Sales 1.3x
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