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Ohio Valley Banc
(NASDAQ:OVBC)
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Rating:74Outperform
Price Target:
$51.00
â–²(21.03% Upside)
Action:Reiterated
Date:08/19/26
OVBC earns a strong mid-range score primarily due to solid underlying financial performance (growth, profitability, and moderate leverage) and supportive technical momentum. Valuation and dividend yield are reasonable, while recent capital return actions (buyback extension and dividend) provide an additional positive tailwind; near-term offsets are margin compression and slightly softer TTM earnings/cash-flow momentum.
Positive Factors
Sustained Revenue Growth
Revenue expansion across several years indicates growing customer activity and market reach. For a community bank, sustained top-line growth can support operating leverage and diversified lending and fee income over the next several quarters.
Negative Factors
Margin Compression
Lower margins indicate that revenue growth is converting less efficiently into profit than in earlier periods. Persistent pressure from funding costs, loan pricing, or operating expenses could constrain earnings growth even if the balance sheet continues expanding.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue Growth
Revenue expansion across several years indicates growing customer activity and market reach. For a community bank, sustained top-line growth can support operating leverage and diversified lending and fee income over the next several quarters.
Read all positive factors
Ohio Valley Banc (OVBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$210.63M
Dividend Yield2.15%
Average Volume (3M)14.18K
Price to Earnings (P/E)14.8
Beta (1Y)0.25
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. Volume20,552
30 Day Avg. Volume14,183
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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 primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is generated by earning interest and fees on interest-earning assets—mainly loans (e.g., commercial and industrial loans, commercial real es...
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
42.14
Price Trends
44.16
Positive
44.91
Negative
42.43
Positive
Market Momentum
0.42
Negative
54.16
Neutral
58.84
Neutral
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 42.14 is below the 20-day moving average (MA) of 43.61, below the 50-day MA of 44.16, and below the 200-day MA of 42.43, indicating a bullish trend. The MACD of 0.42 indicates Negative momentum. The RSI at 54.16 is Neutral, neither overbought nor oversold. The STOCH value of 58.84 is Neutral, 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 | $237.63M | 13.24 | 12.75% | 2.30% | 2.52% | 16.60% | |
83 Outperform | $277.05M | 12.30 | 11.08% | 3.49% | 7.03% | 69.03% | |
74 Outperform | $210.63M | 14.84 | 8.37% | 2.28% | 5.77% | 2.59% | |
69 Neutral | $191.63M | 26.31 | 4.57% | 3.01% | -9.31% | -37.86% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $233.81M | 9.33 | 12.25% | 2.67% | 1.05% | 13.95% |
* Financial Sector Average
OVBC
Ohio Valley Banc
44.66
9.74
27.89%
ATLO
Ames National
31.73
13.48
73.83%
PEBK
Peoples Bancorp Of North Carolina
43.96
15.12
52.43%
CBFV
CB Financial Services
37.62
6.96
22.69%
MRBK
Meridian Bank
19.59
5.25
36.59%
Ohio Valley Banc Corporate Events
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...
Dividends
Ohio Valley Banc Declares Quarterly Cash Dividend
Positive
Jul 15, 2026
On July 14, 2026, Ohio Valley Banc Corp.’s Board of Directors declared a quarterly cash dividend of $0.25 per share on its common stock. The dividend was scheduled to be paid on August 10, 2026, to shareholders of record as of July 24, 2026,...
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.