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Ohio Valley Banc
(NASDAQ:OVBC)
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Rating:71Outperform
Price Target:
$50.00
â–²(10.60% Upside)
Action:Reiterated
Date:10/21/26
The score is primarily supported by solid financial fundamentals (growth, profitability, moderate leverage) despite margin and near-term earnings/cash-flow momentum pressure. Valuation is reasonable with a moderate dividend yield, while technical signals are neutral with limited trend strength. Recent corporate events are supportive due to continued dividends and an extended buyback program.
Positive Factors
Revenue Growth
The sustained increase in revenue over several years indicates that Ohio Valley Banc has expanded its earning base rather than relying solely on a one-period improvement. A larger loan, securities, and fee-generating platform can support continued operating scale and reinforce the bank’s regional market position.
Negative Factors
Margin Compression
Lower net margins show that revenue growth is converting into earnings less efficiently than during the stronger 2021–2022 period. If the compressed profitability persists, Ohio Valley Banc may have less internal capacity for capital accumulation, expansion, and shareholder distributions despite a growing revenue base.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
The sustained increase in revenue over several years indicates that Ohio Valley Banc has expanded its earning base rather than relying solely on a one-period improvement. A larger loan, securities, and fee-generating platform can support continued operating scale and reinforce the bank’s regional market position.
Read all positive factors
Ohio Valley Banc (OVBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$222.92M
Dividend Yield2.03%
Average Volume (3M)24.14K
Price to Earnings (P/E)15.7
Beta (1Y)0.26
Revenue Growth5.77%
EPS Growth2.59%
CountryUS
Employees269
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.01
Shares Outstanding4,711,001
10 Day Avg. Volume16,657
30 Day Avg. Volume24,140
Financial Highlights & Ratios
PEG Ratio0.29
Price to Book (P/B)1.11
Price to Sales (P/S)2.00
P/FCF Ratio11.06
Enterprise Value/Market Cap1.08
Enterprise Value/Revenue2.43
Enterprise Value/Gross Profit3.86
Enterprise Value/Ebitda13.72
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Ohio Valley Banc Business Overview & Revenue Model
Company Description
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 marke...
How the Company Makes Money
OVBC generates revenue primarily through its banking subsidiary by (1) earning interest and fees on loans and (2) earning interest on its investment securities portfolio, funded largely by customer deposits and other borrowings. A key driver is ne...
Ohio Valley Banc Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
78
Positive
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 99.30M | 94.21M | 88.93M | 74.49M | 57.78M | 54.58M |
| Gross Profit | 62.44M | 63.66M | 59.51M | 56.57M | 54.97M | 51.30M |
| EBITDA | 17.55M | 21.16M | 15.11M | 16.78M | 17.50M | 15.63M |
| Net Income | 14.21M | 15.60M | 11.00M | 12.63M | 13.34M | 11.73M |
Balance Sheet | ||||||
| Total Assets | 1.66B | 1.58B | 1.50B | 1.35B | 1.21B | 1.25B |
| Cash, Cash Equivalents and Short-Term Investments | 15.77M | 268.75K | 281.72M | 290.38M | 231.93M | 331.36M |
| Total Debt | 51.73M | 55.19M | 49.26M | 54.30M | 27.74M | 29.31M |
| Total Liabilities | 1.49B | 1.41B | 1.35B | 1.21B | 1.08B | 1.11B |
| Stockholders Equity | 173.39M | 170.26M | 150.33M | 144.01M | 135.03M | 141.36M |
Cash Flow | ||||||
| Free Cash Flow | 22.35M | 17.03M | 11.66M | 18.06M | 14.00M | 12.05M |
| Operating Cash Flow | 22.92M | 18.06M | 13.10M | 20.75M | 15.99M | 13.14M |
| Investing Cash Flow | -131.35M | -110.58M | -195.18M | -59.79M | -83.39M | -52.40M |
| Financing Cash Flow | 131.88M | 55.31M | 137.07M | 121.18M | -38.64M | 52.95M |
Ohio Valley Banc Technical Analysis
Positive
45.21
Price Trends
45.46
Positive
44.95
Positive
44.08
Positive
Market Momentum
0.42
Negative
65.54
Neutral
81.82
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OVBC, the sentiment is Positive. The current price of 45.21 is below the 20-day moving average (MA) of 45.50, below the 50-day MA of 45.46, and above the 200-day MA of 44.08, indicating a bullish trend. The MACD of 0.42 indicates Negative momentum. The RSI at 65.54 is Neutral, neither overbought nor oversold. The STOCH value of 81.82 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OVBC.
Ohio Valley Banc Risk Analysis
Ohio Valley Banc disclosed 24 risk factors in its most recent earnings report. Ohio Valley Banc reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Ohio Valley Banc Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
84 Outperform | $237.47M | 10.48 | 13.87% | 2.30% | 2.08% | 30.78% | |
83 Outperform | $298.49M | 11.74 | 12.20% | 2.73% | 8.44% | 59.77% | |
71 Outperform | $222.92M | 15.72 | 8.37% | 2.03% | 5.77% | 2.59% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $196.40M | 27.03 | 4.57% | 2.85% | -9.31% | -37.86% | |
63 Neutral | $223.31M | 8.91 | 12.25% | 2.91% | 1.05% | 13.95% |
* Financial Sector Average
OVBC
Ohio Valley Banc
47.32
13.46
39.76%
ATLO
Ames National
33.70
13.35
65.63%
PEBK
Peoples Bancorp Of North Carolina
43.48
13.38
44.44%
CBFV
CB Financial Services
38.65
6.14
18.87%
MRBK
Meridian Bank
18.72
4.15
28.44%
Ohio Valley Banc Corporate Events
Dividends
Ohio Valley Banc Declares Quarterly Cash Dividend Payment
Positive
Oct 20, 2026
On October 20, 2026, Ohio Valley Banc Corp.’s Board of Directors declared a quarterly cash dividend of $0.25 per share on its common stock, with payment scheduled for November 10, 2026 to shareholders of record as of October 30, 2026.The div...
Business Operations and StrategyStock Buyback
Ohio Valley Banc Extends Stock Repurchase Program Timeline
Positive
Aug 19, 2026
On August 19, 2026, Ohio Valley Banc Corp. announced that its Board of Directors extended the expiration date of the company’s existing stock buyback program from August 31, 2026, to August 31, 2027. The authorization remains capped at $5 mi...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.