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Ohio Valley Banc (OVBC) Ratios
Ohio Valley Banc Ratios
OVBC's free cash flow for Q2 2026 was $3.03M. For the 2026 fiscal year, OVBC's free cash flow was increased by $387.00K and operating cash flow was $2.64M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 56092.09 | 0.22 | 0.26 | 0.23 | 0.32 |
| Quick Ratio | 56092.09 | 0.22 | 0.26 | 0.23 | 0.32 |
| Cash Ratio | 16.08 | 0.07 | 0.11 | 0.05 | 0.15 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 19570.96 | 0.01 | 0.02 | 0.02 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -1.36B | $ -1.07B | $ -914.14M | $ -840.72M | $ -774.36M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.03 | 0.03 | 0.04 | 0.02 | 0.02 |
| Debt-to-Equity Ratio | 0.32 | 0.33 | 0.38 | 0.21 | 0.21 |
| Debt-to-Capital Ratio | 0.24 | 0.25 | 0.27 | 0.17 | 0.17 |
| Long-Term Debt-to-Capital Ratio | 0.24 | 0.24 | 0.27 | 0.16 | 0.17 |
| Financial Leverage Ratio | 9.30 | 10.00 | 9.39 | 8.97 | 8.84 |
| Debt Service Coverage Ratio | 0.63 | 0.47 | 0.90 | 5.25 | 3.61 |
| Interest Coverage Ratio | 0.71 | 0.50 | 0.96 | 5.61 | 3.79 |
| Debt to Market Cap | 0.29 | 0.42 | 0.48 | 0.21 | 0.20 |
| Interest Debt Per Share | 17.55 | 16.09 | 14.69 | 6.41 | 6.90 |
| Net Debt to EBITDA | 2.61 | -2.24 | -4.40 | -1.15 | -8.00 |
| Profitability Margins | |||||
| Gross Profit Margin | 67.58% | 66.91% | 75.93% | 95.14% | 93.99% |
| EBIT Margin | 20.65% | 15.04% | 20.40% | 27.57% | 25.68% |
| EBITDA Margin | 22.46% | 16.99% | 22.53% | 30.29% | 28.64% |
| Operating Profit Margin | 20.65% | 15.04% | 20.40% | 27.57% | 25.68% |
| Pretax Profit Margin | 20.65% | 15.04% | 20.40% | 27.57% | 25.68% |
| Net Profit Margin | 16.56% | 12.37% | 16.96% | 23.08% | 21.50% |
| Continuous Operations Profit Margin | 16.56% | 12.37% | 16.96% | 23.08% | 21.50% |
| Net Income Per EBT | 80.20% | 82.23% | 83.11% | 83.72% | 83.70% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.99% | 0.73% | 0.93% | 1.10% | 0.94% |
| Return on Equity (ROE) | 9.16% | 7.32% | 8.77% | 9.88% | 8.30% |
| Return on Capital Employed (ROCE) | 1.23% | 5.86% | 6.75% | 8.70% | 7.38% |
| Return on Invested Capital (ROIC) | 30.11% | 4.82% | 5.61% | 7.28% | 6.18% |
| Return on Tangible Assets | 0.99% | 0.74% | 0.94% | 1.11% | 0.94% |
| Earnings Yield | 8.28% | 9.59% | 11.50% | 10.59% | 8.28% |
| Efficiency Ratios | |||||
| Receivables Turnover | 17203.62 | 18.51 | 20.66 | 18.57 | 20.25 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 4.40 | 4.00 | 3.29 | 2.66 | 2.49 |
| Asset Turnover | 0.06 | 0.06 | 0.06 | 0.05 | 0.04 |
| Working Capital Turnover Ratio | -0.20 | -0.10 | -0.09 | -0.08 | -0.07 |
| Cash Conversion Cycle | 0.02 | 19.72 | 17.67 | 19.66 | 18.02 |
| Days of Sales Outstanding | 0.02 | 19.72 | 17.67 | 19.66 | 18.02 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 0.02 | 19.72 | 17.67 | 19.66 | 18.02 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 3.83 | 2.76 | 4.34 | 3.35 | 2.75 |
| Free Cash Flow Per Share | 3.61 | 2.46 | 3.78 | 2.94 | 2.52 |
| Dividend Paid and CapEx Coverage Ratio | 3.39 | 2.33 | 2.74 | 2.38 | 2.57 |
| Capital Expenditure Coverage Ratio | 17.42 | 9.14 | 7.72 | 8.04 | 12.11 |
| Operating Cash Flow Coverage Ratio | 0.33 | 0.27 | 0.38 | 0.58 | 0.45 |
| Operating Cash Flow to Sales Ratio | 0.19 | 0.15 | 0.28 | 0.28 | 0.24 |
| Free Cash Flow Yield | 9.04% | 10.17% | 16.44% | 11.11% | 8.50% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 12.08 | 10.39 | 8.69 | 9.45 | 12.08 |
| Price-to-Sales (P/S) Ratio | 2.00 | 1.29 | 1.47 | 2.18 | 2.60 |
| Price-to-Book (P/B) Ratio | 1.11 | 0.76 | 0.76 | 0.93 | 1.00 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 11.06 | 9.83 | 6.08 | 9.00 | 11.76 |
| Price-to-Operating Cash Flow Ratio | 10.43 | 8.76 | 5.29 | 7.88 | 10.79 |
| Price-to-Earnings Growth (PEG) Ratio | 0.29 | -0.86 | -1.62 | 0.66 | 0.83 |
| Enterprise Value Multiple | 11.51 | 5.35 | 2.15 | 6.05 | 1.07 |
| Enterprise Value | 243.52M | 80.84M | 36.00M | 105.89M | 16.69M |
| EV to EBITDA | 11.51 | 5.35 | 2.15 | 6.05 | 1.07 |
| EV to Sales | 2.58 | 0.91 | 0.48 | 1.83 | 0.31 |
| EV to Free Cash Flow | 14.30 | 6.93 | 1.99 | 7.56 | 1.38 |
| EV to Operating Cash Flow | 13.48 | 6.17 | 1.74 | 6.62 | 1.27 |
| Tangible Book Value Per Share | 34.59 | 30.19 | 28.62 | 26.77 | 28.02 |
| Shareholders’ Equity Per Share | 36.14 | 31.73 | 30.16 | 28.31 | 29.57 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.20 | 0.18 | 0.17 | 0.16 | 0.16 |
| Revenue Per Share | 20.00 | 18.77 | 15.60 | 12.11 | 11.42 |
| Net Income Per Share | 3.31 | 2.32 | 2.65 | 2.80 | 2.45 |
| Tax Burden | 0.80 | 0.82 | 0.83 | 0.84 | 0.84 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.00 | 0.33 | 0.32 | 0.38 | 0.44 |
| Stock-Based Compensation to Revenue | 0.00 | 0.01 | 0.00 | 0.01 | 0.00 |
| Income Quality | 1.16 | 1.19 | 1.64 | 1.20 | 1.12 |
Currency in USD
