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Ohio Valley Banc Corp. OVBC R2K

Financial Services · Banks - Regional · United States
https://www.ovbc.com
Company Profile ↓
$43.19
+29.22% 1Y
Mkt Cap$203.47M
P/E13.17
P/B1.38
Div. Yield2.00%
52W High$50.13
52W Low$31.06
Book Value$36.36
EPS (TTM)$3.28

Company Overview

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.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 13.2, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 24.3%.

Dividend Income

Offers a dividend yield of 2.00%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +1.1%, earnings -2.5%.
  • 5-Year Trend Long-term compounding — profit CAGR 5.5%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:1.10%

Compounded Profit Growth

5 Years:5.48%
1 Year:-2.50%

Stock Price Performance

1 Year:+29.22%
6 Months:+8.01%
3 Months:-4.56%
1 Month:-12.13%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 64% of range
$31.06 $50.13
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)42.75 · Neutral
Price Performance
1M-12.13%
3M-4.56%
6M+8.01%
1Y+29.22%
Valuation vs Sector

P/E of 13.17 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 24.3%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
13.17
Industry PE
13.30
Forward P/E est.
13.51
PEG Ratio
-
Book Value
$36.36
Price to Book
1.38
P/S
3.70
EV/EBITDA
-
Dividend Yield
2.00%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
5.48%
Revenue (YoY)
1.10%
Earnings (YoY)
-2.50%

Profitability & Returns

ROCE
-
ROE
9.47%
ROA
0.97%
Profit Margin
24.26%
Op Margin
33.19%
Gross Margin
0.00%
EPS (Latest Qtr)
$-
EPS (TTM)
$3.28

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$52.91M
Total Assets
$1.68B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
20.42%
Chg in Prom Hold
-
FII / Inst Holding
29.90%
Chg in FII Hold
0.02%

Financial Snapshot

Enterprise Value
$203.47M
Total Revenue (TTM)
$63.84M
EBITDA
-
Free Cash Flow
$17.05M
Operating Cash Flow
$24.78M
Shares Outstanding
4.71M
Gross Margin
0.00%
Payout Ratio
28.05%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 OVBC Ohio Valley Banc Corp. R2K 43.19 13.17 $203.47M 2.00% - 9.47% - 5.48%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Net Income 3.62M1.41M1.64M1.90M2.83M1.71M358.00K2.02M3.22M1.74M1.65M898.00K3.37M2.98M1.75M3.86M1.19M3.08M2.14M3.50M1.00M2.26M2.29M4.70M3.53M2.86M3.04M4.12M2.00M3.69M3.91M3.25M2.25M2.79M2.97M2.72M4.41M4.21M3.03M4.30M

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income 6.64M5.10M5.83M7.05M8.11M8.07M8.57M6.92M7.51M11.94M9.91M10.26M11.73M13.34M12.63M11.00M15.60M

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Sep 2015Dec 2015Aug 2016Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --851.51M804.18M769.22M747.37M778.67M-796.28M950.00M954.64M1.03B1.03B1.01B1.19B1.25B1.21B1.35B1.50B1.58B
Total Equity 4.64M66.52M68.13M71.84M75.82M80.42M86.22M-90.47M-104.53M109.36M117.87M128.18M136.32M141.36M132.82M144.01M150.33M170.26M
Cash & Equivalents 18.29M15.67M59.75M51.63M45.65M28.34M30.98M45.53M45.53M-40.17M74.57M71.18M52.36M138.30M152.03M45.99M128.13M83.11M45.90M
Total Liabilities --783.39M732.33M693.40M666.95M692.45M-705.82M-850.11M916.93M912.62M885.09M1.05B1.11B1.08B1.21B1.35B1.41B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 4.93M12.33M16.18M10.83M13.16M11.68M10.40M13.37M14.50M18.14M14.75M12.49M13.19M15.99M20.75M13.10M18.09M
Investing Cash Flow -33.15M-3.54M31.51M26.36M-946.00K-29.89M-4.94M-38.43M-42.18M-12.73M-26.41M-88.69M-52.40M-83.39M-59.79M-195.18M-110.61M
Financing Cash Flow 25.60M35.29M-55.81M-43.17M-29.52M20.84M9.09M19.70M62.09M-8.81M-7.17M162.14M52.95M-38.64M121.18M137.07M55.31M
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-1.08M-1.99M-2.69M-1.43M-1.04M
Free Cash Flow 3.96M11.66M15.73M10.39M12.01M10.70M8.45M11.68M12.77M15.42M8.52M9.04M12.10M14.00M18.06M11.66M17.05M
Share Buybacks -------------082.00K1.95M0
Dividends Paid -3.35M3.36M4.39M2.96M3.44M3.67M3.58M3.93M3.97M4.00M------

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -----------------
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%8.3%10.0%8.8%7.3%9.2%
ROCE % -----------------

Shareholding Pattern

Insiders
20.42%
Institutions
29.90%
Public Float
37.56%

Top Institutional Holders

#Holder% HeldSharesValue
1 Fourthstone LLC 4.66% 219.66K $9.29M
2 Blackrock Inc. 4.38% 206.48K $8.73M
3 Manufacturers Life Insurance Co. 3.78% 177.98K $7.52M
4 Vanguard Capital Management LLC 3.39% 159.75K $6.75M
5 Dimensional Fund Advisors LP 2.03% 95.79K $4.05M
6 Geode Capital Management, LLC 1.85% 87.15K $3.68M
7 State Street Corporation 1.25% 59.04K $2.50M
8 Bridgeway Capital Management, LLC 0.77% 36.07K $1.53M
9 Prosperity Consulting Group, LLC 0.74% 34.75K $1.47M
10 Corient Private Wealth LLC 0.67% 31.62K $1.34M

Analyst View

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Latest News

Recent headlines for OVBC

Google News ue, 14 Jul 2026

Ohio Valley Banc Sets Aug. 10 Payment for $0.25 Dividend - Stock Titan

<a href="https://news.google.com/rss/articles/CBMif0FVX3lxTE1XSmFtbWJySkliUG9qRDhnaHpBejdESnBMSGowMU9JczNpYjZSeTduQy1tVWY4N2FrdmRtTi1YclhZSEVhZ3FLU0VxcUNnY2pnWVJINFVyZFBPT3ZDYnM1eV9RLXhhUmsyWXRVWk84OFlDX2w1WmJSWG11bEZKa28?oc=5" target="_bla…

Google News hu, 02 Jul 2026

OVBC vs. UBCP: Which Community Bank Stock Offers More Upside Now? - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMilwFBVV95cUxQSzdXV2hWNjcwTUY0UUZsMTRVNDVGMFZBUHZyY19GekZxeE9wd1hob3ZsVmlIVFQyRWFVQVZhM3Bnelg3V3lrY2J4T3JmeDlYT1FJbFNaNkNFTjdqX3ZtVWNMLWJfTmdybkxWMnFjNTYwSzlXRV9VY2l1aWNpYWxNcG1QZm51alhHYk5UX3…

Google News Sun, 12 Jul 2026

Why (OVBC) Price Action Is Critical for Tactical Trading - Stock Traders Daily

<a href="https://news.google.com/rss/articles/CBMizwFBVV95cUxPY3V2UWFrdkcxX2ZZYnM2NVB5QUNBcGczenZ2bDNQa1I5c0lBTkpQQ2xyNWhNN3plUjc3a0NjV1BnS2puRlJUTDRncjAyRTAzcWlFS0tXWjA4amd4WHJiT05VVGU5M2NvcDF0TEFLLU9UcU52ZXZhRWJpLTkwbmN0eXFMckx5bFE0Z1dvUX…

Google News Fri, 15 May 2026

Promotions, Retirements and a New Loan Office for OVBC - PR Newswire

<a href="https://news.google.com/rss/articles/CBMirgFBVV95cUxQSjdtT3p4eEJ4T0JBS01CbTN4ZjhqQ3RheC1WblE4eHdJaGZreG1zc25jWFN0U2N1dXZuaFpvOHhiVGJJc08tclYtckhzZnI0ckJVVThJV3NMR0N2cXlNaG1pMjc3ZlBOUjVQckMwc2ktOE9rOEdsNndPcFMxVGFRazc0WWVQWm55SmR4TV…

Google News Wed, 08 Jul 2026

Ohio Valley Banc Corp. (OVBC) Holds Steady Near Support Amid Modest Trading Activity - News Sentiment - dars.gov.et

<a href="https://news.google.com/rss/articles/CBMiwAFBVV95cUxObGdfc1R3VWk4VFRlTEJiaEU4STlQQjdMRWZYRTZkamFoV2xZaUtLTDhOWGEtRG9LcjEzUnY2RGd0RTdxb1BWZHFKQlh4ejRveTFIdTJaUjdqS1pfb0UyclJHZTZ3LXdJOHQ3eXRSVjRUWVZkUHdDVy1tR2tsZHg5UGluQWVrSkwwNUgwX2…

Google News Fri, 03 Jul 2026

OVBC stock holds focus on Ohio Valley Banc's core lending base. - Ad-hoc-news.de

<a href="https://news.google.com/rss/articles/CBMivgFBVV95cUxNMTRKakhteWZqSnUtUElCRlhRUFJReDNVZmZrSUhSUXpYU2NkQTgtb0RsQm4zZl9NTkpNb1NvNjQxczFTZGV3MzZYY0cwdlF1TlRSaTJwMDI0U2lEYnYtbHVKVXhxc182ZlJNWnVYaG96MV9jUHhSdkNkUEpFRHF1YV9jUEdQclJlNUt0aU…

OVBC — Frequently Asked Questions

What is the current share price of Ohio Valley Banc Corp. (OVBC)?

As of 2026-07-14 21:23 PDT, Ohio Valley Banc Corp. (OVBC) trades at $43.19 on NasdaqGM. Its 52-week range is $31.06 to $50.13.

What is the market capitalisation of OVBC?

Ohio Valley Banc Corp. (OVBC) has a market capitalisation of $203.47M on NasdaqGM.

What is the P/E ratio of OVBC?

OVBC trades at a trailing price-to-earnings (P/E) ratio of 13.17. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.38.

Does OVBC pay a dividend?

Ohio Valley Banc Corp. (OVBC) currently offers a dividend yield of 2.00%.

What is the return on equity (ROE) of OVBC?

OVBC has a return on equity (ROE) of 9.47%.

Is OVBC a good stock to buy?

This page provides a data-driven analysis of Ohio Valley Banc Corp. (OVBC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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