$47.37

+0.35 (+0.74%)

After Hours: $42.75 (-4.62, -9.75%)

Weekly Expected Move ±2.3%

$45 $46 $47 $48 $50

NASDAQ · Financial Services · Banks - Regional · Tech Score Strong Buy · Power 71 · $223.2M mcap · 3M float · 1.06% daily turnover · Short 70% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NO EDGE

38.6 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 6.8% · 5Y Avg: 7.5%

Cost Advantage ★

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. OVBC has No discernible competitive edge (38.6/100). The business operates without significant structural advantages. The primary source of advantage is Cost Advantage. ROIC of 6.8% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Analyst Recommendations

Strong Buy: 0Buy: 1Hold: 0Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$—

Analysts0

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

Oct 27, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. OVBC receives an overall rating of B. Areas of concern: ROA (2/5), P/E (2/5).

Rating Change History

Date	From	To
2026-10-19	B+	B
2026-10-01	B	B+
2026-08-28	B+	B
2026-08-14	B	B+
2026-07-31	A-	B
2026-07-27	B	A-
2026-07-25	B+	B
2026-07-01	B	B+
2026-05-06	B+	B
2026-04-16	A-	B+

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 53 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. OVBC scores highest in Earnings Quality (93/100) and lowest in Balance Sheet (41/100). An overall grade of A places OVBC among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

2.16

Grey Zone

Piotroski F-Score

6/9

✓ ✓ ✗ ✓ ✗ ✓ ✓ ✗ ✓

Beneish M-Score

-3.47

Unlikely Manipulator

Ohlson O-Score

-4.63

Bankruptcy prob: 1.0%

Low Risk

Credit Rating

Score: 72.2/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.61x

Accruals: -0.5%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. OVBC scores 2.16, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. OVBC scores 6/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. OVBC's score of -3.47 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. OVBC's implied 1.0% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. OVBC receives an estimated rating of A (score: 72.2/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). OVBC's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

20.00x

PEG

-0.95x

P/S

2.94x

P/B

1315.35x

P/FCF

9.10x

P/OCF

8.87x

EV/EBITDA

13.64x

EV/Revenue

2.41x

EV/EBIT

13.64x

EV/FCF

10.71x

Earnings Yield

6.99%

FCF Yield

10.99%

Shareholder Yield

2.18%

Graham Number

$49.98

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 20.0x earnings, OVBC commands a growth premium. An earnings yield of 7.0% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $49.98 per share, suggesting a potential 6% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.810

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.177

EBIT / Rev

Asset Turnover

0.063

Rev / Assets

Equity Multiplier

9.493

Assets / Equity

ROE

8.5%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. OVBC's ROE of 8.5% is driven by financial leverage (equity multiplier: 9.49x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

0.08%

Fair P/E

8.67x

Intrinsic Value

$26.14

Price/Value

1.65x

Margin of Safety

-65.18%

Premium

65.18%

Assessment

Neutral

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with OVBC's realized 0.1% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. OVBC trades at a 65% premium to its adjusted intrinsic value of $26.14, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 8.7x compares to the current market P/E of 20.0x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$47.37

Median 1Y

$47.45

5th Pctile

$23.45

95th Pctile

$96.07

Ann. Volatility

41.7%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Thomas E. Wiseman President and Chief Executive Officer	$313,773	$—	$653,114
Larry E. Miller, II Chief Operating Officer and Secretary	$196,430	$—	$403,455
Jeffrey E. Smith Chairman of the Board	$237,029	$—	$382,509
John G. Jones Former President, Milton Bank Division	$259,641	$—	$290,356
Scott W. Shockey Senior Vice President and Chief Financial Officer	$180,247	$—	$241,772
Katrinka V. Hart-Harris Senior Vice President	$180,389	$—	$241,734

CEO Pay Ratio

54426:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $653,114

Avg Employee Cost (SGA/emp): $12

Employees: 256

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

256

-1.5% YoY

Revenue / Employee

$367,996

Rev: $94,207,000

Profit / Employee

$60,941

NI: $15,601,000

SGA / Employee

$12

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	10.3%	8.5%	9.0%	8.4%	9.0%	9.7%	9.6%	10.6%	9.7%	9.1%	8.1%	7.9%	8.1%	7.5%	8.4%	9.0%	8.9%	9.7%	9.5%	8.5%	8.50%
ROA	1.2%	1.0%	1.0%	0.9%	1.0%	1.1%	1.0%	1.1%	1.0%	1.0%	0.9%	0.8%	0.8%	0.8%	0.9%	1.0%	0.9%	1.0%	1.0%	0.9%	0.90%
ROIC	-10.3%	-7.3%	-6.5%	-8.9%	-8.4%	-19.3%	-12.4%	-25.3%	-19.7%	-13.7%	-12.4%	-15.4%	-7.8%	-13.4%	-10.6%	-24.0%	-15.6%	6.9%	7.5%	6.8%	6.79%
ROCE	9.8%	7.4%	9.0%	7.6%	8.2%	8.7%	8.4%	8.7%	7.0%	6.8%	6.2%	6.0%	6.1%	5.9%	6.8%	7.3%	7.4%	1.2%	1.1%	1.1%	1.06%
Gross Margin	94.4%	96.3%	1.0%	89.3%	98.0%	89.8%	85.4%	80.7%	70.6%	68.6%	66.1%	67.8%	65.2%	68.4%	69.8%	68.0%	65.4%	67.1%	64.3%	55.6%	55.61%
Operating Margin	26.0%	22.1%	35.1%	17.0%	29.6%	28.1%	26.9%	21.9%	14.5%	18.9%	15.9%	17.0%	14.8%	12.8%	23.7%	21.7%	16.1%	21.1%	20.4%	13.4%	13.44%
Net Margin	21.9%	18.3%	28.7%	14.4%	24.4%	24.5%	22.3%	18.3%	12.2%	15.6%	13.1%	13.9%	12.2%	10.5%	18.8%	17.6%	13.0%	16.8%	16.7%	11.0%	10.98%
EBITDA Margin	26.1%	22.1%	35.2%	17.1%	29.7%	28.1%	27.0%	22.0%	14.5%	18.9%	15.9%	17.0%	14.8%	20.0%	23.7%	21.7%	16.1%	21.1%	20.4%	13.4%	13.44%
FCF Margin	21.3%	22.2%	25.6%	23.0%	23.9%	24.2%	25.3%	25.6%	25.8%	24.2%	18.5%	18.8%	18.0%	13.1%	12.7%	12.9%	12.3%	18.1%	24.5%	22.5%	22.51%
OCF Margin	23.4%	24.2%	27.6%	26.0%	27.4%	27.7%	29.0%	29.4%	29.2%	27.8%	22.3%	21.6%	20.2%	14.7%	13.9%	13.9%	13.4%	19.2%	25.6%	23.1%	23.08%
ROE 3Y Avg	snapshot only																				8.17%
ROE 5Y Avg	snapshot only																				8.72%
ROA 3Y Avg	snapshot only																				0.86%
ROIC 3Y Avg	snapshot only																				6.06%
ROIC Economic	snapshot only																				6.37%
Cash ROA	snapshot only																				1.38%
Cash ROIC	snapshot only																				10.95%
CROIC	snapshot only																				10.68%
NOPAT Margin	snapshot only																				14.31%
Pretax Margin	snapshot only																				17.67%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				21.28%
SBC / Revenue	snapshot only																				0.00%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	7.68	10.28	10.00	10.93	9.60	8.35	7.59	7.44	8.17	8.00	9.44	7.91	9.24	9.91	9.44	10.64	12.02	11.87	13.19	14.31	20.004
P/S Ratio	1.95	2.21	2.26	2.29	2.08	1.93	1.63	1.65	1.55	1.36	1.39	1.09	1.26	1.23	1.31	1.58	1.80	1.97	2.12	2.05	2.939
P/B Ratio	0.77	0.85	0.90	0.95	0.90	0.82	0.72	0.77	0.77	0.70	0.75	0.61	0.71	0.72	0.76	0.92	1.04	1.09	1.19	1.17	1315.355
P/FCF	9.12	9.97	8.83	9.95	8.69	7.95	6.45	6.44	6.01	5.60	7.50	5.78	7.02	9.34	10.29	12.20	14.63	10.88	8.62	9.10	9.099
P/OCF	8.32	9.15	8.19	8.81	7.59	6.97	5.64	5.61	5.31	4.87	6.23	5.03	6.25	8.32	9.40	11.37	13.43	10.25	8.25	8.87	8.873
EV/EBITDA	-9.94	-12.90	-13.70	-9.86	-10.59	-5.81	-9.19	-5.12	-6.31	-8.87	-9.34	-9.54	-13.70	-8.17	-9.04	-3.78	-4.42	12.34	12.58	13.64	13.637
EV/Revenue	-3.04	-3.32	-3.74	-2.49	-2.78	-1.61	-2.36	-1.36	-1.42	-1.81	-1.65	-1.58	-2.27	-1.39	-1.72	-0.76	-0.90	2.55	2.50	2.41	2.410
EV/EBIT	-9.97	-12.95	-13.74	-9.89	-10.62	-5.83	-9.21	-5.13	-6.32	-8.88	-9.35	-9.55	-13.71	-9.23	-10.05	-4.16	-4.85	12.34	12.58	13.64	13.637
EV/FCF	-14.25	-14.99	-14.58	-10.82	-11.63	-6.63	-9.31	-5.30	-5.50	-7.48	-8.94	-8.43	-12.65	-10.59	-13.50	-5.88	-7.32	14.10	10.17	10.71	10.708
Earnings Yield	13.0%	9.7%	10.0%	9.1%	10.4%	12.0%	13.2%	13.4%	12.2%	12.5%	10.6%	12.6%	10.8%	10.1%	10.6%	9.4%	8.3%	8.4%	7.6%	7.0%	6.99%
FCF Yield	11.0%	10.0%	11.3%	10.0%	11.5%	12.6%	15.5%	15.5%	16.7%	17.9%	13.3%	17.3%	14.2%	10.7%	9.7%	8.2%	6.8%	9.2%	11.6%	11.0%	10.99%
Price/Tangible Book	snapshot only																				1.225
EV/OCF	snapshot only																				10.442
EV/Gross Profit	snapshot only																				3.833
Acquirers Multiple	snapshot only																				13.637
Shareholder Yield	snapshot only																				2.18%
Graham Number	snapshot only																				$49.98

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	0.29	0.32	0.33	0.27	0.28	0.23	0.25	0.22	0.24	0.26	0.26	0.23	0.28	0.22	0.26	0.21	0.23	56092.09	24874.43	15099.23	15099.234
Quick Ratio	0.29	0.32	0.33	0.27	0.28	0.23	0.25	0.22	0.24	0.26	0.26	0.23	0.28	0.22	0.26	0.21	0.23	56092.09	24874.43	15099.23	15099.234
Debt/Equity	0.23	0.21	0.21	0.21	0.22	0.21	0.20	0.27	0.41	0.38	0.36	0.35	0.33	0.33	0.31	0.29	0.28	0.32	0.31	0.30	0.298
Net Debt/Equity	-1.97	-2.14	-2.39	-1.97	-2.12	-1.51	-1.77	-1.41	-1.48	-1.64	-1.63	-1.50	-1.99	-1.55	-1.77	-1.36	-1.55	0.32	0.21	0.21	0.207
Debt/Assets	0.03	0.02	0.02	0.02	0.02	0.02	0.02	0.03	0.04	0.04	0.04	0.04	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.031
Debt/EBITDA	1.94	2.08	1.92	2.03	1.89	1.74	1.73	2.14	3.61	3.57	3.81	3.80	3.55	3.26	2.78	2.48	2.36	2.84	2.76	2.95	2.947
Net Debt/EBITDA	-16.29	-21.48	-22.00	-18.94	-18.51	-12.79	-15.55	-11.34	-13.19	-15.51	-17.17	-16.07	-21.30	-15.38	-15.94	-11.60	-13.25	2.82	1.91	2.05	2.049
Interest Coverage	4.01	3.79	4.50	4.63	5.25	5.61	3.68	2.46	1.41	0.96	0.68	0.58	0.55	0.50	0.57	0.63	0.65	0.71	0.67	0.59	0.585
Equity Multiplier	8.84	8.84	9.21	9.46	9.74	8.97	9.21	9.23	9.61	9.39	9.42	9.63	9.82	10.00	9.72	9.40	9.55	9.30	9.79	9.58	9.584
Cash Ratio	snapshot only																				11199.741
Debt Service Coverage	snapshot only																				0.585
Cash to Debt	snapshot only																				0.305
FCF to Debt	snapshot only																				0.432
Defensive Interval	snapshot only																				172.9 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.05	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.063
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	16.16	18.15	17.96	18.44	18.13	19.90	20.20	21.24	20.07	22.18	20.71	21.95	19.97	21.15	19.93	20.24	18.27	39.17	18.69	40.15	40.150
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	23	20	20	20	20	18	18	17	18	16	18	17	18	17	18	18	20	9	20	9	9.1 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	23	20	20	20	20	18	18	17	18	16	18	17	18	17	18	18	20	9	20	9	—
Fixed Asset Turnover	snapshot only																				4.178
Cash Velocity	snapshot only																				6.297
Capital Intensity	snapshot only																				16.734

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	-0.6%	-1.9%	-2.4%	-2.3%	0.4%	5.9%	11.9%	18.7%	21.9%	28.9%	28.5%	26.4%	25.7%	19.4%	16.2%	14.2%	10.4%	5.9%	6.1%	6.2%	6.17%
Net Income	56.0%	14.4%	-3.6%	-14.4%	-14.2%	13.7%	6.4%	25.4%	6.7%	-5.3%	-12.2%	-21.8%	-9.5%	-12.9%	9.5%	23.2%	21.0%	41.8%	22.8%	2.6%	2.59%
EPS	56.1%	14.9%	-3.1%	-14.1%	-14.0%	13.5%	6.2%	25.2%	6.6%	-5.3%	-12.5%	-21.2%	-8.2%	-11.8%	10.6%	24.0%	21.0%	41.8%	23.5%	2.6%	2.59%
FCF	60.1%	46.5%	55.2%	27.3%	12.5%	15.7%	10.6%	31.8%	31.5%	29.0%	-6.1%	-7.2%	-12.5%	-35.4%	-20.2%	-21.5%	-24.4%	46.0%	1.0%	85.0%	85.02%
EBITDA	56.3%	13.7%	-4.4%	-14.2%	-13.8%	13.5%	5.3%	24.4%	4.5%	-4.7%	-11.3%	-20.8%	-7.4%	-0.7%	24.4%	38.3%	35.5%	28.7%	10.9%	-6.8%	-6.79%
Op. Income	58.2%	13.9%	-4.3%	-14.2%	-13.8%	13.7%	5.4%	24.5%	4.6%	-4.6%	-11.2%	-20.7%	-7.3%	-12.0%	12.0%	25.8%	23.5%	45.4%	23.3%	2.6%	2.64%
OCF Growth	snapshot only																				76.82%
Asset Growth	snapshot only																				10.02%
Equity Growth	snapshot only																				7.85%
Debt Growth	snapshot only																				10.98%
Shares Change	snapshot only																				0.00%
Dividend Growth	snapshot only																				5.60%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	-1.3%	-2.1%	-1.6%	-1.6%	-1.1%	-0.3%	1.9%	4.6%	6.7%	10.2%	11.9%	13.6%	15.4%	17.7%	18.6%	19.6%	19.1%	17.7%	16.6%	15.3%	15.27%
Revenue 5Y	4.0%	2.8%	2.0%	1.1%	0.8%	0.9%	1.7%	2.4%	3.3%	5.1%	6.5%	7.4%	8.2%	8.8%	9.6%	10.5%	11.0%	11.1%	11.6%	12.2%	12.18%
EPS 3Y	15.8%	-0.8%	8.0%	5.0%	5.7%	10.5%	10.6%	17.4%	12.7%	7.3%	-3.4%	-5.3%	-5.6%	-1.8%	0.9%	7.0%	5.8%	5.8%	6.2%	0.1%	0.08%
EPS 5Y	14.2%	10.7%	10.6%	8.9%	6.6%	11.8%	11.1%	9.8%	7.4%	1.0%	3.2%	2.7%	2.9%	2.4%	5.6%	9.6%	9.7%	9.1%	4.2%	1.5%	1.53%
Net Income 3Y	16.3%	-0.6%	8.1%	5.1%	5.7%	10.4%	10.5%	17.3%	12.6%	7.2%	-3.4%	-5.7%	-6.1%	-2.1%	0.8%	6.5%	5.3%	5.4%	5.7%	-0.4%	-0.38%
Net Income 5Y	15.8%	11.1%	11.0%	9.3%	7.0%	12.2%	11.4%	10.1%	7.6%	1.1%	3.3%	2.6%	2.7%	2.1%	5.4%	9.2%	9.4%	8.7%	3.9%	1.2%	1.20%
EBITDA 3Y	8.6%	-0.6%	8.6%	5.6%	6.1%	10.2%	10.2%	16.5%	12.0%	7.2%	-3.7%	-5.4%	-5.9%	2.4%	5.1%	10.9%	9.5%	6.8%	7.0%	0.7%	0.72%
EBITDA 5Y	14.6%	9.7%	9.5%	7.8%	5.8%	5.6%	6.0%	5.6%	2.9%	1.2%	3.7%	3.0%	2.9%	4.8%	8.1%	11.6%	12.0%	9.5%	4.3%	1.7%	1.75%
Gross Profit 3Y	1.0%	-0.2%	2.7%	2.3%	3.1%	3.2%	4.9%	6.9%	5.6%	6.8%	2.8%	2.7%	3.3%	5.1%	5.4%	6.6%	5.8%	5.0%	5.0%	3.0%	3.05%
Gross Profit 5Y	5.4%	4.2%	3.8%	2.7%	2.5%	2.5%	2.6%	2.8%	1.8%	1.8%	2.7%	2.7%	3.0%	3.6%	5.3%	6.3%	6.5%	6.5%	4.5%	3.9%	3.91%
Op. Income 3Y	8.8%	-0.4%	8.9%	5.9%	6.3%	10.8%	10.7%	17.1%	12.6%	7.3%	-3.6%	-5.4%	-5.8%	-1.5%	1.6%	7.5%	6.2%	6.9%	7.1%	0.8%	0.78%
Op. Income 5Y	14.5%	9.7%	9.5%	8.0%	6.0%	5.8%	6.2%	5.8%	3.1%	1.4%	3.9%	3.2%	3.1%	2.7%	6.2%	9.9%	10.3%	9.6%	4.4%	1.8%	1.82%
FCF 3Y	-15.8%	-7.8%	10.6%	13.3%	17.0%	18.0%	23.6%	22.8%	33.3%	29.8%	17.2%	15.9%	9.0%	-1.2%	-6.1%	-1.4%	-4.6%	6.7%	15.4%	10.4%	10.44%
FCF 5Y	2.7%	0.7%	7.5%	7.1%	13.1%	1.9%	0.9%	-0.7%	-2.4%	3.2%	7.0%	12.2%	13.0%	6.5%	7.2%	6.1%	9.4%	15.6%	21.4%	17.7%	17.72%
OCF 3Y	-15.8%	-10.1%	2.9%	0.9%	1.9%	2.7%	5.1%	9.3%	16.1%	18.4%	15.4%	14.8%	9.9%	-0.2%	-5.6%	-3.0%	-6.1%	4.1%	11.9%	6.3%	6.35%
OCF 5Y	2.4%	-0.3%	4.4%	5.0%	10.0%	2.0%	2.0%	0.2%	-1.8%	2.7%	4.8%	5.0%	3.6%	-2.4%	-3.6%	-2.4%	-0.1%	7.7%	16.9%	14.4%	14.43%
Assets 3Y	6.4%	6.6%	6.4%	6.6%	6.2%	6.1%	6.9%	4.9%	4.9%	4.4%	3.9%	4.3%	6.3%	6.4%	6.3%	6.4%	7.8%	9.3%	9.8%	9.3%	9.25%
Assets 5Y	5.1%	5.5%	3.9%	5.0%	4.2%	3.4%	2.9%	4.4%	4.9%	5.6%	5.6%	6.3%	7.4%	8.2%	7.9%	6.5%	6.6%	5.9%	6.5%	6.1%	6.08%
Equity 3Y	7.4%	6.2%	4.3%	2.3%	0.9%	1.8%	1.8%	1.6%	1.0%	1.8%	1.9%	1.5%	2.6%	2.1%	4.5%	6.6%	8.5%	8.0%	7.6%	7.9%	7.89%
Book Value 3Y	7.0%	6.1%	4.2%	2.2%	0.9%	1.9%	1.9%	1.6%	1.1%	1.9%	1.9%	1.8%	3.1%	2.5%	4.6%	7.1%	9.0%	8.5%	8.1%	8.4%	8.38%
Dividend 3Y	-0.4%	-0.2%	-0.2%	5.4%	5.5%	5.6%	5.7%	0.4%	0.8%	1.1%	1.4%	-3.8%	-4.1%	-4.6%	-5.2%	0.3%	0.8%	1.3%	1.8%	2.3%	2.30%

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.48	0.31	0.31	0.22	0.15	0.05	0.16	0.18	0.27	0.34	0.47	0.54	0.58	0.64	0.72	0.78	0.83	0.88	0.92	0.95	0.951
Earnings Stability	0.72	0.59	0.90	0.68	0.60	0.58	0.87	0.70	0.58	0.37	0.44	0.31	0.24	0.32	0.24	0.30	0.29	0.45	0.26	0.10	0.098
Margin Stability	0.96	0.96	0.94	0.94	0.94	0.94	0.94	0.94	0.93	0.91	0.89	0.88	0.86	0.86	0.85	0.85	0.84	0.85	0.84	0.82	0.825
Rev. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.50	1.00	0.00	0.00	0.00	1.00	0.50	0.50	0.50	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.94	0.99	0.94	0.94	0.95	0.97	0.90	0.97	0.98	0.95	0.91	0.96	0.95	0.96	0.91	0.92	0.83	0.91	0.99	0.990
Earnings Smoothness	0.56	0.87	0.96	0.85	0.85	0.87	0.94	0.77	0.94	0.95	0.87	0.76	0.90	0.86	0.91	0.79	0.81	0.65	0.80	0.97	0.974
ROE Trend	0.03	0.01	0.01	0.00	0.01	0.02	0.00	0.01	-0.00	-0.00	-0.01	-0.02	-0.02	-0.02	-0.01	-0.00	0.00	0.01	0.01	0.00	0.000
Gross Margin Trend	0.09	0.09	0.09	0.09	0.08	0.06	-0.04	-0.06	-0.14	-0.19	-0.22	-0.24	-0.22	-0.19	-0.13	-0.10	-0.06	-0.04	-0.03	-0.05	-0.052
FCF Margin Trend	0.07	0.07	0.10	0.06	0.07	0.06	0.04	0.05	0.03	0.01	-0.07	-0.06	-0.07	-0.11	-0.09	-0.09	-0.10	-0.01	0.09	0.07	0.067
Sustainable Growth Rate	7.4%	5.6%	6.1%	5.0%	5.5%	6.2%	6.1%	7.1%	6.1%	5.6%	4.7%	5.0%	5.2%	4.6%	5.6%	6.3%	6.3%	7.1%	6.8%	5.9%	5.85%
Internal Growth Rate	0.9%	0.6%	0.7%	0.5%	0.6%	0.7%	0.7%	0.8%	0.6%	0.6%	0.5%	0.5%	0.5%	0.5%	0.6%	0.7%	0.7%	0.7%	0.7%	0.6%	0.62%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	0.92	1.12	1.22	1.24	1.27	1.20	1.35	1.33	1.54	1.64	1.52	1.57	1.48	1.19	1.00	0.94	0.90	1.16	1.60	1.61	1.613
FCF/OCF	0.91	0.92	0.93	0.88	0.87	0.88	0.87	0.87	0.88	0.87	0.83	0.87	0.89	0.89	0.91	0.93	0.92	0.94	0.96	0.98	0.975
FCF/Net Income	snapshot only																				1.573
OCF/EBITDA	snapshot only																				1.306
CapEx/Revenue	2.1%	2.0%	2.0%	3.0%	3.5%	3.4%	3.6%	3.8%	3.4%	3.6%	3.8%	2.8%	2.2%	1.6%	1.2%	0.9%	1.1%	1.1%	1.1%	0.6%	0.57%
Accruals Ratio	0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.01	-0.01	-0.00	-0.00	-0.00	-0.00	-0.00	0.00	0.00	-0.00	-0.01	-0.01	-0.005
Sloan Accruals	snapshot only																				0.648
Cash Flow Adequacy	snapshot only																				4.586
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	3.7%	3.3%	3.3%	3.8%	4.1%	4.2%	4.7%	4.5%	4.6%	4.8%	4.5%	4.7%	3.9%	3.8%	3.5%	2.8%	2.5%	2.3%	2.1%	2.2%	2.02%
Dividend/Share	$0.84	$0.84	$0.84	$0.99	$0.99	$0.99	$0.99	$1.00	$1.01	$1.02	$1.03	$0.89	$0.89	$0.89	$0.88	$0.89	$0.90	$0.91	$0.92	$0.94	$0.96
Payout Ratio	28.5%	34.2%	32.5%	41.2%	39.0%	35.4%	36.0%	33.2%	37.3%	38.6%	42.7%	37.4%	35.8%	38.0%	33.0%	30.3%	29.9%	27.5%	28.0%	31.2%	31.16%
FCF Payout Ratio	33.8%	33.2%	28.7%	37.5%	35.3%	33.7%	30.6%	28.8%	27.4%	27.0%	33.9%	27.3%	27.2%	35.8%	36.0%	34.7%	36.4%	25.2%	18.3%	19.8%	19.81%
Total Payout Ratio	31.7%	42.4%	40.3%	49.5%	43.0%	35.4%	36.0%	33.2%	37.9%	39.2%	43.4%	55.3%	52.3%	55.7%	48.4%	30.4%	30.0%	27.5%	28.0%	31.2%	31.16%
Div. Increase Streak	0	0	0	1	0	0	0	1	1	1	1	0	0	0	0	0	0	0	0	0	0
Chowder Number	0.04	0.03	0.03	0.21	0.21	0.22	0.23	0.06	0.07	0.08	0.09	-0.07	-0.09	-0.10	-0.12	0.03	0.04	0.05	0.06	0.08	0.078
Buyback Yield	0.4%	0.8%	0.8%	0.8%	0.4%	0.0%	0.0%	0.0%	0.1%	0.1%	0.1%	2.3%	1.8%	1.8%	1.6%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Net Buyback Yield	0.4%	0.8%	0.8%	0.8%	0.4%	0.0%	0.0%	0.0%	0.1%	0.1%	0.1%	2.3%	1.8%	1.8%	1.6%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Total Shareholder Return	4.1%	4.1%	4.0%	4.5%	4.5%	4.2%	4.7%	4.5%	4.6%	4.9%	4.6%	7.0%	5.7%	5.6%	5.1%	2.9%	2.5%	2.3%	2.1%	2.2%	2.18%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.83	0.84	0.83	0.83	0.83	0.84	0.84	0.84	0.84	0.83	0.83	0.83	0.82	0.82	0.81	0.81	0.81	0.80	0.81	0.81	0.810
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
EBIT Margin	0.31	0.26	0.27	0.25	0.26	0.28	0.26	0.26	0.22	0.20	0.18	0.17	0.17	0.15	0.17	0.18	0.19	0.21	0.20	0.18	0.177
Asset Turnover	0.05	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.063
Equity Multiplier	8.70	8.78	9.05	9.16	9.27	8.90	9.21	9.34	9.67	9.18	9.31	9.43	9.72	9.70	9.57	9.51	9.68	9.63	9.76	9.49	9.493

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$2.95	$2.46	$2.59	$2.40	$2.54	$2.80	$2.75	$3.01	$2.71	$2.65	$2.41	$2.37	$2.49	$2.33	$2.66	$2.94	$3.01	$3.31	$3.29	$3.02	$3.02
Book Value/Share	$29.46	$29.67	$28.69	$27.78	$26.95	$28.30	$28.81	$28.91	$28.65	$30.17	$30.46	$30.75	$32.30	$31.91	$32.87	$34.12	$34.90	$36.14	$36.36	$36.80	$0.04
Tangible Book/Share	$27.91	$28.12	$27.14	$26.24	$25.41	$26.76	$27.28	$27.37	$27.11	$28.64	$28.93	$29.21	$30.74	$30.36	$31.33	$32.57	$33.35	$34.59	$34.80	$35.25	$35.25
Revenue/Share	$11.65	$11.46	$11.44	$11.45	$11.72	$12.11	$12.77	$13.57	$14.28	$15.61	$16.36	$17.29	$18.19	$18.88	$19.21	$19.85	$20.07	$20.00	$20.49	$21.08	$16.13
FCF/Share	$2.49	$2.54	$2.93	$2.64	$2.81	$2.93	$3.23	$3.47	$3.69	$3.78	$3.03	$3.25	$3.27	$2.48	$2.44	$2.56	$2.47	$3.61	$5.03	$4.74	$4.74
OCF/Share	$2.73	$2.77	$3.16	$2.98	$3.21	$3.35	$3.70	$3.99	$4.17	$4.35	$3.65	$3.73	$3.67	$2.78	$2.67	$2.75	$2.69	$3.83	$5.26	$4.87	$4.87
Cash/Share	$65.01	$69.56	$74.66	$60.69	$62.83	$48.60	$56.63	$48.48	$54.03	$60.84	$60.86	$57.05	$75.01	$59.80	$68.21	$56.26	$63.86	$0.06	$3.45	$3.35	$0.06
EBITDA/Share	$3.57	$2.95	$3.12	$2.89	$3.08	$3.35	$3.28	$3.60	$3.22	$3.19	$2.90	$2.87	$3.02	$3.21	$3.65	$4.00	$4.09	$4.13	$4.07	$3.73	$3.73
Debt/Share	$6.90	$6.15	$6.00	$5.89	$5.82	$5.81	$5.67	$7.68	$11.62	$11.38	$11.06	$10.90	$10.71	$10.46	$10.12	$9.89	$9.66	$11.72	$11.23	$10.98	$10.98
Net Debt/Share	$-58.11	$-63.41	$-68.65	$-54.80	$-57.02	$-42.79	$-50.96	$-40.79	$-42.41	$-49.46	$-49.80	$-46.15	$-64.30	$-49.34	$-58.09	$-46.37	$-54.20	$11.66	$7.78	$7.63	$7.63

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.161
Altman Z-Prime	snapshot only																				0.569
Piotroski F-Score	7	8	7	5	7	6	6	5	5	5	5	6	7	6	8	7	7	7	8	6	6
Beneish M-Score	-2.64	-2.73	-2.69	-2.48	-2.52	-2.21	-2.18	-2.27	-2.03	-2.14	-2.01	-2.05	-2.17	-2.20	-2.37	-2.16	-2.30	-3.14	-2.18	-3.47	-3.473
Ohlson O-Score	snapshot only																				-4.635
ROIC (Greenblatt)	snapshot only																				38.98%
Net-Net WC	snapshot only																				$-311.35
EVA	snapshot only																				$-6725817.20

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				A
Credit Score	79.14	75.08	79.86	77.34	77.94	83.70	84.39	82.83	79.65	78.19	67.12	65.15	78.05	54.84	67.13	67.14	65.84	73.39	72.39	72.19	72.190
Credit Grade	snapshot only																				6
Credit Trend	snapshot only																				5.046
Implied Spread (bps)	snapshot only																				150.000
Industry Credit Rank	snapshot only																				72
Sector Credit Rank	snapshot only																				62

OVBC NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

Sign in to InsiderStreet