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Ohio Valley Banc (OVBC) Stock Price & Analysis
OVBC Stock Chart & Stats
- Day’s Range
- $48.11 - $50.70
- 52-Week Range
- $34.81 - $54.96
- Previous Close
- $49.10
- Volume
- N/A
- Average Volume (3M)
- 22.87K
- Market Cap
- $231.31M
- Enterprise Value
- $234.86M
- Total Cash (Recent Filing)
- $15.77M
- Total Debt (Recent Filing)
- $51.73M
- Price to Earnings (P/E)
- 15.7
- Beta
- 0.26
- Next Earnings
- Jan 28, 2027 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Oct 30, 2026
- Dividend Yield
- 2.03%
Bulls Say, Bears Say
Bulls Say
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.
Conservative Balance Sheet
Moderate leverage combined with steadily rising equity provides a durable financial foundation for a regional bank. This capital position can improve resilience through changing credit and interest-rate conditions, while preserving capacity to support lending, absorb losses, and fund shareholder returns.
Capital Returns
The continued quarterly dividend demonstrates an established shareholder-return policy and indicates that management is allocating capital while maintaining confidence in financial performance and balance-sheet stability. Consistent distributions can enhance the bank’s appeal to income-focused holders over the medium term.
Bears Say
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.
Recent Earnings Pressure
The decline in net income while revenue continued to rise points to pressure from the cost of funding, loan performance, securities yields, or other operating factors described in the business model. Persistent earnings softness could limit growth in equity and reduce flexibility for future capital allocation.
Cash Flow Volatility
Positive cash generation supports earnings quality, but the recent decline in free cash flow and large year-to-year coverage swings make the cash conversion profile less predictable. Continued volatility could complicate planning for lending growth, balance-sheet investment, and the pace of shareholder returns.
Ohio Valley Banc News
OVBC FAQ
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Ohio Valley Banc Stock Smart Score
Company Description
Ohio Valley Banc
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.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Larry E. Miller
- Employees
- 269
- Website
- www.ovbc.com
- Address
- 420 Third Avenue, Gallipolis, OH, 45631, US
Ohio Valley Banc (OVBC) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 4 | 4 |
| Technical Analysis | 4 | 4 | 2 |
| Moving Averages | 10 | 0 | 2 |










