B+
Bull case
20%
Probability
Target price
$47.00
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
OVBC
Ohio Valley BancBNasdaq / Banks
Last Price
Quote time unavailable
Current thesis
Loan and deposit growth, higher net interest income, improved efficiency, and management confidence in balance-sheet strength support a constructive long-term case. Management stated that elevated credit risk was confined to a small number of commercial relationships.
Posture
Constructive
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-10-26.
What can break
Electronic refund-check and deposit-fee income has expired, reducing fee support.
Momentum
79
Value
58
Sentiment
48
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $43.50 · Bull $47.00 · Bear $36.50Analysis 2026-07-27; returns require an exact persisted reference.
Earnings
2026-10-26
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-27 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-10-23
Investment thesis
As of 2026-10-23
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Why
Momentum79 · Δ7d -
Value58 · Δ7d -
Sentiment48 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Confirming evidence
- • Next scheduled catalyst: earnings 2026-10-26.
- • Value remains the lead driver in the composite.
Contradictions & invalidation
- • Electronic refund-check and deposit-fee income has expired, reducing fee support.
- • Funding costs could continue to outpace asset yields, causing additional NIM compression.
- • The Q2 earnings decline, sharply higher credit-loss provision, lower NIM, and elevated nonperforming loans weaken near-term earnings visibility.
Catalyst clock
2026-10-26
Q2 earnings were mixed-to-negative
Lead driver: Value · See fundamentals
Momentum
79
8% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
58
47% active weight
Current posture
7d trendFlat
Δ7d
-
Δ21d
-
Sentiment
48
45% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade B. Momentum 79.0 / Value 58.5 / Sentiment 48.2
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-27. Scenario method
Most likely
B
Base case
50%
Probability
Target price
$43.50
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$36.50
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-10-23
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$222.93M
Beta
-0.02
Shares Out
4.71M
P/E (TTM)
13.2
P/S (TTM)
2.76
P/FCF (TTM)
25.18
Rev YoY
+10.0%
EPS YoY
-30.5%
Gross Margin
-
Op Margin
+17.7%
Net Debt
$39.43M
Current Ratio
0.15
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data