Ohio Valley Banc Corp OVBC

FinancialsBanking ServicesUnited States of America

Last close 48.22 USD on Nov 1, 2026, +23.3% year to date

Quant rating

Quant rating D Rank 658 of 799 in Financials

Growth D 609 of 799
Valuation D 701 of 799
Quality D 664 of 799
Revisions D 617 of 799
Momentum A 79 of 799

Historical valuation

Multiples use consensus estimates for the next twelve months. The dashed line is the 5-year average.

Key data

Market cap: 227M
Enterprise value: 253M
52-week range: 34.80 – 51.25
3-year range: 19.50 – 51.25
Dividend yield: 2.07%
Beta (5 years): −0.02
Shares outstanding: 4.7M
Next earnings: –

About the company

Ohio Valley Banc Corp. is a financial holding company, which owns The Ohio Valley Bank Company (the Bank). The Bank is engaged in commercial and retail banking. The Bank is a full-service financial institution offering a blend of commercial and consumer banking services within southeastern Ohio as well as western West Virginia. The banking services offered by the Bank include the acceptance of deposits in checking, savings, time and money market accounts; the making and servicing of personal and commercial loans; and the making of construction and real estate loans. The Bank offers individual retirement accounts, safe deposit boxes, wire transfers and other standard banking products and services. As part of its lending function, the Bank offers credit card services. In addition to originating loans, the Bank invests in United States government and agency obligations, interest-bearing deposits in other financial institutions, and other investments permitted by applicable law.

Growth and profitability fiscal year ends December 31

Growth and profitability by fiscal year
	2025	2024	2023	2022	2021	5Y avg
Revenue (mil)	85.2	75.8	61.9	47.6	44.7	–
Revenue growth	12.5%	22.5%	29.9%	6.5%	−3.2%	13.0%
EPS (basic, normalized)	3.31	2.32	2.65	2.80	2.92	–
EPS growth	42.6%	−12.2%	−5.4%	−4.1%	32.6%	8.5%
Gross margin	–	–	–	–	–	–
Net margin	18.3%	14.5%	20.4%	28.0%	26.2%	21.5%
ROE	–	–	–	–	–	–

Balance sheet, last quarter
Cash & short-term investments (mil)	–
Tier 1 risk-adjusted capital ratio	9.9%
Long-term debt (mil)	40.0
Net debt (mil)	–
Total equity (mil)	170
Net debt / equity	–

Estimates and valuation

Consensus estimates and implied multiples
	Sales (mil)			Book value per share			EPS
Fiscal year	Mean est.	Growth	EV/Sales	Mean est.	Growth	P/B	Mean est.	Growth	P/E
2025 actual	85.2	+12.5%	3.0x	–	–	–	–	–	–

Estimate revisions

Change in consensus estimates over 1, 3 and 6 months
	Sales				EPS
Fiscal year	Estimate (mil)	1M	3M	6M	Estimate	1M	3M	6M
2026	–	–	–	–	–	–	–	–
2027	–	–	–	–	–	–	–	–
2028	–	–	–	–	–	–	–	–

Earnings surprises

Reported results versus consensus, last 10 fiscal quarters
	FQ-9	FQ-8	FQ-7	FQ-6	FQ-5	FQ-4	FQ-3	FQ-2	FQ-1	FQ0
Sales reported (mil)	–	–	–	–	–	–	–	–	–	–
Sales mean (mil)	–	–	–	–	–	–	–	–	–	–
Surprise	–	–	–	–	–	–	–	–	–	–
EPS reported	–	–	–	–	–	–	–	–	–	–
EPS mean	–	–	–	–	–	–	–	–	–	–
Surprise	–	–	–	–	–	–	–	–	–	–

FQ0 is the most recent reported quarter, FQ-1 the one before, and so on.

Peer comparison Banking Services

Peers in the same industry group, by market capitalization
Company	Market cap	Tier 1 ratio	Net margin	Deposits/loans	FY1 P/E	FY2 P/E	FY1 P/B	FY2 P/B
OVBC Ohio Valley Banc Corp	227M	9.9%	18.3%	1.12x	–	–	–	–
MCHB Mechanics Bancorp	3.2B	14.4%	32.7%	1.36x	14.0x	12.3x	1.3x	1.2x
WABC Westamerica Bancorp	1.4B	22.9%	50.3%	6.77x	13.1x	12.3x	1.6x	1.5x
HFWA Heritage Financial Corp	1.2B	12.5%	21.5%	1.25x	13.9x	11.0x	1.0x	1.0x
BSRR Sierra Bancorp	543M	–	24.7%	1.14x	11.2x	10.8x	1.4x	1.3x
HBCP Home Bancorp Inc	477M	14.4%	23.8%	1.10x	10.5x	9.9x	1.0x	0.9x
Mean		14.8%	28.5%	2.12x	12.6x	11.3x	1.3x	1.2x
Median		14.4%	24.2%	1.20x	13.1x	11.0x	1.3x	1.2x

Technical analysis

1M+8.5%
3M+15.4%
1Y+39.8%
3Y+117.7%

Financial statements in millions of USD

Income statement in millions of USD, fiscal years

Income statement, Ohio Valley Banc Corp, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Interest income	85.2	75.8	61.9	47.6	44.7	46.2
Total interest expense	27.5	27.0	15.8	2.8	3.7	6.2
Net interest income	57.7	48.8	46.0	44.8	41.0	40.0
Loan loss provision	3.1	2.5	2.1	0	−3.1	0.7
Net interest income after loan loss provision	54.7	46.3	43.9	44.8	44.1	39.3
Non-interest income	9.0	13.2	12.6	10.2	9.9	9.4
Non-interest expense	−44.2	−46.1	−41.4	−39.0	−39.9	−36.4
Net income before taxes	19.5	13.4	15.2	15.9	14.0	12.3
Provision for taxes	3.9	2.4	2.6	2.6	2.3	2.0
Minority interest & equity in affiliates	–	–	–	–	–	–
Other	0	0	0	0	0	0
Net income before extraordinary items	15.6	11.0	12.6	13.3	11.7	10.3
Extraordinary items	–	–	–	–	–	–
Net income	15.6	11.0	12.6	13.3	11.7	10.3
Basic weighted average shares (mil)	4.7	4.7	4.8	4.8	4.8	4.8
Diluted weighted average shares (mil)	4.7	4.7	4.8	4.8	4.8	4.8
Basic EPS excluding extraordinary items	3.31	2.32	2.65	2.80	2.45	2.14
Basic EPS, normalized	3.31	2.32	2.65	2.80	2.92	2.20

Balance sheet in millions of USD, fiscal years

Balance sheet, Ohio Valley Banc Corp, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Assets
Cash & due from banks	14.8	15.7	14.3	14.3	14.1	15.0
Other earning assets	296	348	289	233	335	256
Net loans	1,184	1,052	963	880	825	842
Property, plant & equipment	21.4	22.3	22.7	21.7	21.9	22.2
Goodwill	7.3	7.3	7.3	7.3	7.3	7.3
Intangibles	–	0	0	0	0.1	0.1
Long-term investments	–	–	–	–	–	–
Other long-term assets	6.0	7.7	6.9	6.9	0.4	0.6
Other assets	52.9	51.1	48.7	48.0	46.4	44.5
Total assets	1,583	1,503	1,352	1,211	1,250	1,187
Liabilities
Accounts payable	–	–	–	–	–	–
Payable/accrued	–	–	–	–	–	–
Accrued expenses	28.5	29.1	27.2	21.7	20.4	20.5
Total deposits	1,330	1,275	1,127	1,028	1,060	994
Other bearing liabilities	42.2	37.2	42.2	15.6	17.5	24.7
Short-term borrowings	–	–	–	–	–	–
Current portion of long-term debt	2.6	2.5	2.4	1.6	1.0	3.2
Long-term debt	8.5	8.5	8.5	9.3	9.6	8.5
Minority interest	–	–	–	–	–	–
Other liabilities	0.9	0.6	0.7	0	0	0
Total liabilities	1,412	1,353	1,208	1,076	1,108	1,051
Shareholders' equity
Preferred stock	–	–	–	–	–	–
Common stock	5.5	5.5	5.5	5.5	5.4	5.4
Additional paid-in capital	52.3	52.3	51.8	51.7	51.2	51.2
Retained earnings (accumulated deficit)	133	122	115	109	101	93.0
Treasury stock	−18.7	−18.7	−16.7	−16.7	−16.7	−15.7
Other equity	−1.9	−10.5	−11.4	−14.8	0.7	2.4
Total equity	170	150	144	135	141	136
Total liabilities & shareholders' equity	1,583	1,503	1,352	1,211	1,250	1,187

Cash flow statement in millions of USD, fiscal years

Cash flow statement, Ohio Valley Banc Corp, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Operating activities
Net income	15.6	11.0	12.6	13.3	11.7	10.3
Depreciation, depletion & amortization	1.7	1.7	1.6	1.5	1.5	1.4
Deferred taxes	−0.8	−1.2	−0.7	0.3	−0.1	0
Non-cash items	−3.9	−1.8	−1.2	−0.1	0	−0.3
Changes in working capital	5.6	3.4	8.4	0.9	0	1.1
Cash from operations	18.1	13.1	20.7	16.0	13.1	12.5
Investing activities
Capital expenditures	−1.0	−1.4	−2.7	−2.0	−1.1	−3.5
Other investing cash flows	−110	−194	−57.1	−81.4	−51.3	−85.2
Cash from investing	−111	−195	−59.8	−83.4	−52.4	−88.7
Financing activities
Financing cash flow items	59.5	143	126	−34.2	59.0	167
Cash dividends paid	−4.3	−4.2	−4.9	−4.7	−4.0	−4.0
Issuance (retirement) of debt, net	–	–	–	–	–	–
Other financing cash flows	0.1	−1.8	−0.1	0.2	−2.0	−1.0
Cash from financing	55.3	137	121	−38.6	52.9	162
Foreign exchange effects	–	–	–	–	–	–
Net change in cash	−37.2	−45.0	82.1	−106	13.7	85.9
Free cash flow	17.0	11.7	18.1	14.0	12.1	9.0

Disclaimer

The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.

This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.

QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.

Live quote provided by TradingView. Report data updated Nov 1, 2026 after market close.