Ohio Valley Banc (OVBC) AI Stock Analysis

• Market Cap: $171.72M
• Dividend Yield: 2.47%
• Average Volume (3M): 9.49K
• Price to Earnings (P/E): 12.2
• Beta (1Y): 0.06
• Revenue Growth: 14.16%
• EPS Growth: 24.72%
• Country: US
• Employees: 271
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.89
• Shares Outstanding: 4,711,001
• 10 Day Avg. Volume: 5,423
• 30 Day Avg. Volume: 9,487
• PEG Ratio: -0.86
• Price to Book (P/B): 0.76
• Price to Sales (P/S): 1.29
• P/FCF Ratio: 9.83
• Enterprise Value/Market Cap: 1.06
• Enterprise Value/Revenue: 1.94
• Enterprise Value/Gross Profit: 2.86
• Enterprise Value/Ebitda: 10.62
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 68 Neutral
• Price Target: $39.00 ▲(7.32% Upside)

Ohio Valley Banc's overall stock score is driven by its strong financial performance, characterized by consistent revenue growth and robust profitability metrics. The valuation is reasonable, with a fair P/E ratio and an attractive dividend yield. Technical analysis indicates a neutral trend, with no clear momentum. The absence of earnings call data and corporate events limits additional insights.

Ohio Valley Banc Business Overview & Revenue Model

Company Description

Ohio Valley Banc Corporation (OVBC) is a financial services holding company based in the United States, primarily serving the Ohio Valley region. The company operates through its subsidiary, The Ohio Valley Bank Company, which provides a range of banking services including personal and commercial loans, deposit accounts, and wealth management solutions. OVBC focuses on delivering tailored financial products to individuals and businesses, emphasizing community engagement and local economic development.

How the Company Makes Money

Ohio Valley Banc generates revenue primarily through interest income from loans, which includes personal, mortgage, and commercial lending. The company also earns significant income from fees associated with deposit accounts, transaction services, and wealth management services. Additionally, OVBC benefits from non-interest income streams such as service charges, investment income, and the management of trust and investment accounts. Key partnerships with local businesses and organizations further enhance its customer base and facilitate community-focused financial solutions, contributing to overall profitability.

Ohio Valley Banc Financial Statement Overview

Summary

Ohio Valley Banc shows solid revenue growth and profitability metrics, with a strong balance sheet featuring low leverage. However, slight declines in certain margins and cash flow suggest areas for improvement.

Income Statement

Ohio Valley Banc has shown consistent revenue growth, with a significant year-over-year increase of 22.1% from 2023 to 2024. The gross profit margin is strong at 67.8% for TTM, indicating efficient cost management. The net profit margin of 13.9% is robust, reflecting effective operations and cost control. However, there is a slight decline in EBIT and EBITDA margins compared to previous years, which suggests potential pressure on operational efficiencies.

Balance Sheet

The company's balance sheet is stable with a low debt-to-equity ratio of 0.31, indicating prudent financial management and low leverage risk. The return on equity (ROE) is healthy at 8.1% for TTM, showcasing effective utilization of equity capital. However, the equity ratio is moderate at 10.3%, implying a reliance on liabilities for asset financing, which could pose risks if not managed properly.

Cash Flow

Ohio Valley Banc demonstrates a strong cash flow position with a positive free cash flow to net income ratio of 0.92 for TTM, indicating effective conversion of income into cash. However, there is a slight decline in free cash flow from the previous year, which could suggest challenges in maintaining cash reserves. The operating cash flow to net income ratio is nearly 1.0, reflecting efficient cash generation from operations.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	93.53M	88.93M	74.49M	57.78M	54.58M	55.61M
Gross Profit	63.49M	59.51M	56.57M	54.94M	51.30M	46.44M
EBITDA	17.10M	15.11M	16.78M	17.50M	15.63M	13.84M
Net Income	13.85M	11.00M	12.63M	13.34M	11.73M	10.26M
Balance Sheet
Total Assets	1.51B	1.50B	1.35B	1.21B	1.25B	1.19B
Cash, Cash Equivalents and Short-Term Investments	265.06M	281.72M	290.38M	231.93M	331.36M	253.13M
Total Debt	46.61M	49.26M	54.30M	27.74M	29.31M	37.24M
Total Liabilities	1.35B	1.35B	1.21B	1.08B	1.11B	1.05B
Stockholders Equity	160.76M	150.33M	144.01M	135.03M	141.36M	136.32M
Cash Flow
Free Cash Flow	12.08M	11.66M	18.06M	14.00M	12.05M	9.04M
Operating Cash Flow	12.96M	13.10M	20.75M	15.99M	13.14M	12.49M
Investing Cash Flow	-155.26M	-195.18M	-59.79M	-83.39M	-52.40M	-88.69M
Financing Cash Flow	89.25M	137.07M	121.18M	-38.64M	52.95M	162.14M

Ohio Valley Banc Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 36.34
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 36.34 is above the 20-day moving average (MA) of 36.26, below the 50-day MA of 36.51, and above the 200-day MA of 32.03, indicating a neutral trend. The MACD of -0.18 indicates Negative momentum. The RSI at 51.51 is Neutral, neither overbought nor oversold. The STOCH value of 80.38 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OVBC.

Ohio Valley Banc Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PEBK	75 Outperform	$175.96M	10.21	11.73%	2.95%	4.52%	3.62%
ATLO	71 Outperform	$186.61M	11.54	8.35%	3.81%	5.89%	82.56%
MRBK	69 Neutral	$167.82M	9.31	10.77%	3.33%	12.20%	71.87%
UBFO	69 Neutral	$159.21M	13.68	8.41%	5.27%	-2.00%	-35.93%
OVBC	68 Neutral	$171.72M	12.24	9.04%	2.47%	14.16%	24.72%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CBFV	64 Neutral	$163.03M	15.20	7.97%	3.09%	20.82%	-48.08%

Ohio Valley Banc Corporate Events

Ohio Valley Banc Extends Stock Buyback Program

Ohio Valley Banc Corp. announced on August 20, 2025, that its Board of Directors has extended the expiration date of its existing stock buyback program to August 31, 2026. The program, originally approved in 2021, allows for the repurchase of up to $5 million in common stock, with approximately $2,967,000 already repurchased as of August 2025. This extension reflects the company’s ongoing commitment to managing its capital structure, although no other changes were made to the program.

Ohio Valley Banc Declares Quarterly Dividend

On July 15, 2025, Ohio Valley Banc Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.23 per share on its common shares. This dividend is payable on August 10, 2025, to shareholders who are recorded as of July 25, 2025, reflecting the company’s ongoing commitment to returning value to its shareholders.

Ohio Valley Banc Joins Russell 3000 Index

On June 30, 2025, Ohio Valley Banc Corp. was added to the Russell 3000 Index as part of the 2025 Russell indexes’ reconstitution, which ranks the 4,000 largest US stocks by market capitalization. This inclusion also places the company in the small-cap Russell 2000 Index and relevant growth and value style indexes, potentially increasing its visibility among investment managers and institutional investors who use these indexes as benchmarks.