Ohio Valley Banc (OVBC) AI Stock Analysis

• Market Cap: $167.38M
• Dividend Yield: 2.56%
• Average Volume (3M): 7.88K
• Price to Earnings (P/E): 11.8
• Beta (1Y): 0.15
• Revenue Growth: 10.35%
• EPS Growth: 22.05%
• Country: US
• Employees: 271
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.64
• Shares Outstanding: 4,711,001
• 10 Day Avg. Volume: 11,417
• 30 Day Avg. Volume: 7,877
• 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: 1.21
• Enterprise Value/Revenue: 2.17
• Enterprise Value/Gross Profit: 3.19
• Enterprise Value/Ebitda: 10.76
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: $38.00 ▲(4.57% Upside)

Ohio Valley Banc's overall stock score of 68 reflects its strong financial performance, characterized by consistent revenue growth and solid profitability. The valuation is reasonable, with a moderate P/E ratio and a decent dividend yield. However, technical indicators suggest a neutral to slightly bearish short-term trend, which tempers the overall score.

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 exhibits solid financial health with consistent revenue growth and strong profitability metrics. The balance sheet reflects a stable capital structure with manageable leverage, while cash flow statements indicate efficient cash management. Despite some fluctuations in margins and cash flow growth, the overall financial position remains strong, supporting future growth prospects.

Income Statement

Ohio Valley Banc shows a consistent revenue growth trend, with a TTM revenue growth rate of 2.79%. The company maintains healthy profit margins, with a gross profit margin of 67.88% and a net profit margin of 14.81% in the TTM period. EBIT and EBITDA margins are also strong at 18.28%. However, the gross profit margin has decreased from previous years, indicating potential cost pressures.

Balance Sheet

The company has a manageable debt-to-equity ratio of 0.29 in the TTM period, indicating a conservative leverage position. Return on equity is reasonable at 8.95%, reflecting efficient use of equity capital. The equity ratio stands at 10.64%, suggesting a stable capital structure. However, the slight increase in debt levels over the years could pose future risks.

Cash Flow

Ohio Valley Banc demonstrates strong cash flow management, with a free cash flow growth rate of 4.43% in the TTM period. The operating cash flow to net income ratio is robust at 13.86, and the free cash flow to net income ratio is 0.93, indicating efficient cash conversion. However, fluctuations in free cash flow growth in previous years suggest potential volatility.

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	18.83M	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: 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 36.34 is above the 20-day moving average (MA) of 35.45, above the 50-day MA of 36.15, and above the 200-day MA of 32.79, indicating a neutral trend. The MACD of -0.14 indicates Negative momentum. The RSI at 49.42 is Neutral, neither overbought nor oversold. The STOCH value of 46.75 is Neutral, 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
UBFO	77 Outperform	$162.88M	14.21	8.41%	4.91%	-2.00%	-36.25%
ATLO	71 Outperform	$189.18M	11.83	8.35%	3.77%	5.89%	82.82%
PEBK	71 Outperform	$161.22M	9.64	11.73%	3.18%	4.52%	3.47%
OVBC	68 Neutral	$167.38M	11.82	8.95%	2.56%	10.35%	22.05%
MRBK	68 Neutral	$169.42M	8.31	11.39%	3.39%	9.77%	76.75%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CBFV	61 Neutral	$159.09M	79.16	1.78%	3.01%	-1.39%	-88.66%

Ohio Valley Banc Corporate Events

Ohio Valley Banc Declares Quarterly Cash Dividend

On October 21, 2025, Ohio Valley Banc Corp. announced a quarterly cash dividend of $0.23 per share. This dividend is payable on November 10, 2025, to shareholders recorded by October 31, 2025, reflecting the company’s ongoing commitment to returning value to its shareholders.

The most recent analyst rating on (OVBC) stock is a Hold with a $39.00 price target. To see the full list of analyst forecasts on Ohio Valley Banc stock, see the OVBC Stock Forecast page.

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.

The most recent analyst rating on (OVBC) stock is a Buy with a $36.00 price target. To see the full list of analyst forecasts on Ohio Valley Banc stock, see the OVBC Stock Forecast page.

Ohio Valley Banc Corp. Reports Strong Q2 2025 Earnings

Ohio Valley Banc Corp., a financial institution operating primarily in Ohio and West Virginia, provides a range of banking services, including commercial and real estate lending, through its subsidiaries.