Ohio Valley Banc Corp. OVBC R2KFINANCIAL
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
Trades at an undemanding P/E of 15.6.
Maintains a net profit margin of 22.8%.
Carries low leverage with a debt-to-equity ratio of 0.32.
Offers a dividend yield of 2.29%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue -8.7%, earnings -30.5%.
- 5-Year Trend Long-term compounding — profit CAGR 5.5%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | -8.70% |
Compounded Profit Growth
| 5 Years: | 5.48% |
| 1 Year: | -30.50% |
Stock Price Performance
| 1 Year: | +33.32% |
| 6 Months: | +12.10% |
| 3 Months: | -2.10% |
| 1 Month: | +7.16% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)64.32 · Neutral
P/E of 15.57 is above the sector median of 14.52 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
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 22.8%.
- 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.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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. R2KFINANCIAL | 46.86 | 15.57 | $220.76M | 2.29% | - | 8.51% | - | 5.48% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 358.64 | 15.37 | $953.34B | 1.68% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 506.03 | 15.07 | $707.59B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 374.00 | 31.86 | $637.34B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 579.21 | 31.82 | $503.60B | 0.60% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.68 | 14.48 | $438.31B | 2.03% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 759,350.00 | 15.07 | $384.00B | 0.00% | - | 10.50% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 107.11 | 15.30 | $367.34B | 3.62% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 217.72 | 17.59 | $342.26B | 2.15% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2015 | Jun 2015 | 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 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 3.62M | 1.41M | 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 | 2.72M | 4.41M | 4.21M | 3.03M | 4.30M |
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 11.73M | 13.34M | 12.63M | 11.00M | 15.60M |
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 | 13.19M | 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 | -52.40M | -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 | 52.95M | -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 | -1.08M | -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 | 12.10M | 14.00M | 18.06M | 11.66M | 17.05M |
| 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 % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| 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
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 5.22% | 245.73K | $11.20M |
| 2 | Manufacturers Life Insurance Co. | 3.75% | 176.50K | $8.05M |
| 3 | Vanguard Capital Management LLC | 3.44% | 162.25K | $7.40M |
| 4 | Dimensional Fund Advisors LP | 2.42% | 114.19K | $5.21M |
| 5 | Susquehanna International Group, LLP | 2.20% | 103.62K | $4.72M |
| 6 | Geode Capital Management, LLC | 1.99% | 93.81K | $4.28M |
| 7 | State Street Corporation | 1.49% | 70.21K | $3.20M |
| 8 | Bridgeway Capital Management, LLC | 0.79% | 37.05K | $1.69M |
| 9 | Prosperity Consulting Group, LLC | 0.74% | 34.75K | $1.58M |
| 10 | Northern Trust Corporation | 0.69% | 32.64K | $1.49M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for OVBC
Ohio Valley Banc Corp (NASDAQ: OVBC) Share Price, OVBC Stock News, OVBC Share Price & Updates - Kalkine
<a href="https://news.google.com/rss/articles/CBMiVkFVX3lxTFBUdENRUlBnZUtXX0QxTEU2ZzhlQ21PS1M5RUtpYUdWZ0xvenh2eWhpYlNIalVBbjdFWmxoUkE1TEVla09GSUVVLTgxcDQ1TGFfUHFjUTRR?oc=5" target="_blank">Ohio Valley Banc Corp (NASDAQ: OVBC) Share Price, O…
OVBC announces extension of Stock Buyback Program - Yahoo Finance
<a href="https://news.google.com/rss/articles/CBMipgFBVV95cUxQZ2RTTHBGWS1GRERuaHFFVzZIdUhyVmxCQklJd0tjUHcyNDFQSnJjT09BLXN1dlpVOUJvOHZ5a242N2tBU21ld2ZHMEtOcUxFd2xYdU1aRDlqMWxNMkdTX1lrWnU1U2xQcWdVanZaTm5oaEtJRExGQTVNbDJsalRLZjlYdXh0SUNnRHh2dk…
Technical Reactions to OVBC Trends in Macro Strategies - Stock Traders Daily
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Ohio Valley Banc (NASDAQ:OVBC) Stock Crosses Above 200-Day Moving Average - Here's Why - marketbeat.com
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Ohio Valley Banc's share-buyback plan now runs through August 2027 - Stock Titan
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Ohio Valley Banc Extends Stock Repurchase Program Timeline - The Globe and Mail
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OVBC — Frequently Asked Questions
What is the current share price of Ohio Valley Banc Corp. (OVBC)?
As of 2026-09-07 16:24 PDT, Ohio Valley Banc Corp. (OVBC) trades at $46.86 on NasdaqGM. Its 52-week range is $33.86 to $49.83.
What is the market capitalisation of OVBC?
Ohio Valley Banc Corp. (OVBC) has a market capitalisation of $220.76M on NasdaqGM.
What is the P/E ratio of OVBC?
OVBC trades at a trailing price-to-earnings (P/E) ratio of 15.57. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.20.
Does OVBC pay a dividend?
Ohio Valley Banc Corp. (OVBC) currently offers a dividend yield of 2.29%.
What is the return on equity (ROE) of OVBC?
OVBC has a return on equity (ROE) of 8.51%.
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.