C

Ohio Valley Banc Corp. — Earnings Quality Grade C

OVBC · Financial Services

Some red flags

Revenue
$67M
2025
Net Income
$16M
2025
Gross Margin
Free Cash Flow
$17M
01

Screening Summary

9
Passed
1
Watch
1
Failed
M-Score

管理层信号

最近 SEC 8-K 文件中未发现 CEO、CFO、董事会或审计负责人变动信号。
02

Financial Trends

Revenue & Net Income ($B)

Margins (%)

03

18-Point Screening

01

Revenue Quality

A1DSO Change

DSO 30 days, change +2 days YoY

A2AR vs Revenue Growth

AR outpaced revenue for 2 consecutive years

A3Revenue vs CFFO

Revenue 7.6%, CFFO 38.1%. Cash follows revenue

02

Expense Quality

B1Inventory vs COGS

No material inventory

B2CapEx vs Revenue

CapEx growth -27.6% vs revenue 7.6%. Normal

B3SG&A Ratio

Insufficient data

B4Gross Margin

Insufficient data

03

Cash Flow Quality

C1CFFO vs Net Income

CFFO/NI = 1.16. Profits backed by cash

C2Free Cash Flow

FCF $0.0B, FCF/NI = 1.09

C3Accruals Ratio

Accruals ratio = -0.2%. Low accruals

!
C4Cash vs Debt

Cash $0.0B covers 85% of debt $0.1B

04

Balance Sheet Health

D1Goodwill + Intangibles

Goodwill+Intangibles $0.0B but equity unavailable or non-positive

D2Leverage

Insufficient data

D3Soft Asset Growth

Insufficient data

D4Asset Impairment

No write-off data

05

Acquisition Risk

E1Serial Acquirer FCF

FCF after acquisitions positive

E2Goodwill Surge

Goodwill+Intangibles change 0% YoY. Normal

06

Manipulation Score

F1Beneish M-Score

Insufficient data

持仓监控

把 OVBC 放进持续监控

完整检查和模型明细已经免费开放。Watchlist 用来集中盯住你的持仓;Pro 可开启季报自动重算、风险事件邮件提醒、最多 50 只持仓扫描和导出工作流。

Altman Z-Score — Not Applicable

Ohio Valley Banc Corp. is a financial company. Z-Score is designed for non-financial companies.

Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25