Ohio Valley Banc Corp. OVBC R2K

Financial Services · Banks - Regional · United States

https://www.ovbc.com

Ohio Valley Banc Corp. operates as the bank holding company for The Ohio Valley Bank Company that provides commercial and retail banking products and services. It accepts various deposit products, including checking, savings, time, and money market accounts, as well as individual retirement accounts, demand deposits, NOW accounts, and certificates of deposit. The company provides various residential real estate loans, including one-to four-family residential mortgages; commercial loans for securing equipment, inventory, stock, commercial real estate, and rental property; and consumer loans secured by automobiles, mobile homes, recreational vehicles, and other personal property, as well as personal loans, unsecured credit card receivables, floor plan and student loans, and construction loans. In addition, it offers safe deposit box, wire transfer, credit card, home equity loans, and Internet banking services; and financial management online services, such as cash management and news updates related to repossession auctions, current rates, and general bank news. The company owns and operates ATMs, including off-site ATMs. It operates offices in Ohio and West Virginia. The company was founded in 1872 and is based in Gallipolis, Ohio.

Market & Price

Market Cap

$226.36M

Current Price

$48.05

High / Low (52W)

$49.21 / $27.97

Beta

-0.01

Valuation

Stock P/E

14.65

Industry PE

12.01

Forward P/E

PEG Ratio

Book Value

$36.36

Price to Book

1.32

P/S

3.55

EV/EBITDA

Dividend Yield

2.08%

Profitability & Returns

ROCE

ROE

9.47%

ROA

0.97%

Profit Margin

24.26%

Op Margin

33.19%

EPS (Latest Qtr)

$0.91

EPS (TTM)

$3.28

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$52.91M

Total Assets

$1.58B

Current Assets

Working Capital

Ownership

Promoter Holding

20.42%

Chg in Prom Hold

FII / Inst Holding

29.92%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$153.94M

Total Revenue (TTM)

$63.84M

EBITDA

Free Cash Flow

Operating Cash Flow

$24.78M

Shares Outstanding

4.71M

Gross Margin

0.00%

Payout Ratio

28.05%

Growth (CAGR)

Revenue 5Y

6.69%

Profit 5Y

5.36%

Revenue (YoY)

1.10%

Earnings (YoY)

-2.50%

PROS

Excellent profit margin of 24.3%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	OVBC Ohio Valley Banc Corp. R2K	48.05	14.65	$226.36M	2.08%	-	9.47%	6.69%	5.36%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	16.79M	17.38M	16.34M	16.20M	18.18M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6.66M	6.50M	6.95M	7.38M	7.59M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5.55M	5.19M	3.74M	4.97M	5.25M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.15M	976.00K	714.00K	1.01M	956.00K
Net Income	1.64M	1.90M	2.83M	1.71M	358.00K	2.02M	3.22M	1.74M	1.65M	898.00K	3.37M	2.98M	1.75M	3.86M	1.19M	3.08M	2.14M	3.50M	1.00M	2.26M	2.29M	4.70M	3.53M	2.86M	3.04M	4.12M	2.00M	3.69M	3.91M	3.25M	2.25M	2.79M	2.97M	-	-	4.41M	4.21M	3.03M	3.96M	4.30M
Diluted EPS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.94	0.89	0.64	0.84	0.91

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	54.94M	58.66M	61.98M	66.72M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	2.84M	15.84M	26.96M	27.49M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	15.93M	15.20M	13.38M	19.45M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	2.59M	2.57M	2.38M	3.85M
Net Income	6.64M	5.10M	5.83M	7.05M	8.11M	8.07M	8.57M	6.92M	7.51M	11.94M	9.91M	10.26M	-	13.34M	12.63M	11.00M	15.60M
Diluted EPS	-	-	-	-	-	-	-	-	-	-	-	-	-	2.80	2.65	2.32	3.31

Compounded Sales Growth

5 Years:	6.69%
1 Year:	1.10%

Compounded Profit Growth

5 Years:	5.36%
1 Year:	-2.50%

Stock Price Performance

1 Year:	+48.31%
6 Months:	+24.57%
3 Months:	+13.33%
1 Month:	+6.80%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Sep 2015	Dec 2015	Aug 2016	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	851.51M	804.18M	769.22M	747.37M	778.67M	-	796.28M	950.00M	954.64M	1.03B	1.03B	1.01B	1.19B	-	1.21B	1.35B	1.50B	1.58B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	18.29M	15.67M	59.75M	51.63M	45.65M	28.34M	30.98M	45.53M	45.53M	-	40.17M	74.57M	71.18M	52.36M	138.30M	-	47.85M	128.13M	83.11M	45.90M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3.11M	3.61M	4.80M	5.48M
Total Liabilities	-	-	783.39M	732.33M	693.40M	666.95M	692.45M	-	705.82M	-	850.11M	916.93M	912.62M	885.09M	1.05B	-	1.08B	1.21B	1.35B	1.41B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	26.45M	53.09M	48.24M	53.35M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	27.74M	54.30M	49.26M	54.27M
Total Equity	4.64M	66.52M	68.13M	71.84M	75.82M	80.42M	86.22M	-	90.47M	-	104.53M	109.36M	117.87M	128.18M	136.32M	-	135.03M	144.01M	150.33M	170.26M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5.47M	5.47M	5.49M	5.49M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	4.93M	12.33M	16.18M	10.83M	13.16M	11.68M	10.40M	13.37M	14.50M	18.14M	14.75M	12.49M	-	15.99M	20.75M	13.10M	18.09M
Investing Cash Flow	-33.15M	-3.54M	31.51M	26.36M	-946.00K	-29.89M	-4.94M	-38.43M	-42.18M	-12.73M	-26.41M	-88.69M	-	-83.39M	-59.79M	-195.18M	-110.61M
Financing Cash Flow	25.60M	35.29M	-55.81M	-43.17M	-29.52M	20.84M	9.09M	19.70M	62.09M	-8.81M	-7.17M	162.14M	-	-38.64M	121.18M	137.07M	55.31M
Capital Expenditure	-971.00K	-673.00K	-449.00K	-437.00K	-1.15M	-985.00K	-1.95M	-1.68M	-1.73M	-2.73M	-6.23M	-3.45M	-	-1.99M	-2.69M	-1.43M	-1.04M
Free Cash Flow	3.96M	11.66M	15.73M	10.39M	12.01M	10.70M	8.45M	11.68M	12.77M	15.42M	8.52M	9.04M	-	14.00M	18.06M	11.66M	17.05M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-106.04M	82.14M	-45.02M	-37.21M
Share Buybacks	-	-	-	-	-	-	-	-	-	-	-	-	-	0	82.00K	1.95M	0
Dividends Paid	-	3.35M	3.36M	4.39M	2.96M	3.44M	3.67M	3.58M	3.93M	3.97M	4.00M	-	-	-	-	-	-

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	24.3%	21.5%	17.7%	23.4%
ROE %	10.0%	7.5%	8.1%	9.3%	10.1%	9.4%	9.5%	6.6%	6.9%	10.1%	7.7%	7.5%	-	9.9%	8.8%	7.3%	9.2%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

20.42%

Institutions

29.92%

Public Float

37.59%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Fourthstone LLC	4.66%	219.66K	$10.55M
2	Blackrock Inc.	4.38%	206.48K	$9.92M
3	Manufacturers Life Insurance Co.	3.78%	177.98K	$8.55M
4	Vanguard Capital Management LLC	3.39%	159.75K	$7.68M
5	Dimensional Fund Advisors LP	2.03%	95.79K	$4.60M
6	Geode Capital Management, LLC	1.85%	87.15K	$4.19M
7	State Street Corporation	1.25%	59.04K	$2.84M
8	Bridgeway Capital Management, LLC	0.77%	36.07K	$1.73M
9	Prosperity Consulting Group, LLC	0.74%	34.75K	$1.67M
10	Corient Private Wealth LLC	0.67%	31.62K	$1.52M

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OVBC · Financial Services