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Ohio Valley Banc (OVBC) AI Stock Analysis
Ohio Valley Banc
(NASDAQ:OVBC)
Ohio Valley Banc achieves a solid overall score, driven primarily by its exceptional cash flow generation, conservative balance sheet, and strong corporate commitment to returning capital to shareholders through dividends and buybacks. The stock's technicals point to a stable bullish trend, while its valuation is reasonable for a low-volatility regional bank. The main notable risk is recent margin compression, which limits the upside potential but is well-cushioned by operational stability.
Ohio Valley Banc (OVBC) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $227.16M
- Dividend Yield
- 1.97%
- Average Volume (3M)
- 29.01K
- Price to Earnings (P/E)
- 16.2
- Beta (1Y)
- 0.25
- Revenue Growth
- 8.40%
- EPS Growth
- 2.21%
- Country
- US
- Employees
- 269
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 market a...
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 net i...
Ohio Valley Banc Financial Statement Overview
Summary
The company exhibits a fundamentally sound position characterized by an exceptional free cash flow to net income conversion ratio of 0.97 and a highly stable, low-leverage balance sheet with a debt-to-equity ratio of 0.30. However, steady margin compression restricts the overall financial score.
Income Statement
68PositiveBalance Sheet
82Very PositiveCash Flow
90Very 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
Price Trends
Market Momentum
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 50.25 is above the 20-day moving average (MA) of 46.41, above the 50-day MA of 45.64, and above the 200-day MA of 44.12, indicating a bullish trend. The MACD of 0.97 indicates Negative momentum. The RSI at 73.49 is Negative, neither overbought nor oversold. The STOCH value of 81.01 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.
Latest Risks Added
0 New RisksOhio Valley Banc Peers Comparison
Overall Rating
PEBK84Outperform
ATLO83Outperform- OVBC78Outperform
CBFV68.6Neutral
MRBK63Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| PEBK | 84Outperform | $240.50M | 10.72 | 13.87% | 2.25% | 2.08% | 30.78% |
| ATLO | 83Outperform | $296.81M | 11.93 | 12.20% | 2.69% | 8.44% | 59.77% |
| OVBC | 78Outperform | $227.16M | 16.20 | 8.46% | 1.97% | 8.40% | 2.21% |
| CBFV | 69Neutral | $202.32M | 11.08 | 11.50% | 2.74% | 27.49% | 607.99% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| MRBK | 63Neutral | $223.07M | 9.52 | 11.30% | 2.93% | -2.13% | -4.58% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| OVBC | Ohio Valley Banc | 49.75 | 14.62 | 41.63% | |
| ATLO | Ames National Corporation | 34.24 | 14.08 | 69.81% | |
| PEBK | Peoples Bancorp Of North Carolina | 44.50 | 16.23 | 57.41% | |
| CBFV | CB Financial Services Inc | 40.11 | 9.17 | 29.63% | |
| MRBK | Meridian Bank | 18.57 | 4.24 | 29.56% |
Ohio Valley Banc Corporate Events
Ohio Valley Banc Declares Quarterly Cash Dividend Payment
PositiveOn 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 divide...
Ohio Valley Banc Extends Stock Repurchase Program Timeline
PositiveOn 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 milli...
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.
Date of analysis: Oct 20, 2026