Ohio Valley Banc (OVBC) AI Stock Analysis

• Market Cap: $159.70M
• Dividend Yield: 2.71%
• Average Volume (3M): 24.23K
• Price to Earnings (P/E): 12.7
• Beta (1Y): -0.10
• Revenue Growth: 16.21%
• EPS Growth: 10.91%
• Country: US
• Employees: 271
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 0.94
• Shares Outstanding: 4,711,001
• 10 Day Avg. Volume: 8,668
• 30 Day Avg. Volume: 24,234
• PEG Ratio: 0.71
• Price to Book (P/B): 0.89
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 11.95
• Enterprise Value/Market Cap: 0.41
• Enterprise Value/Revenue: 0.19
• Enterprise Value/Gross Profit: 1.06
• Enterprise Value/Ebitda: 1.16
• 1Y Price Target: $31.00
• Price Target Upside: -9.14% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 76 Outperform
• Price Target: $38.00 ▲(11.37%Upside)

Ohio Valley Banc's solid financial performance and valuation are the most significant strengths, supported by positive corporate events. Technical analysis suggests a neutral to slightly positive outlook, with some caution warranted on short-term indicators.

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 consumer banking products and services. The company operates in two segments, Banking and Consumer Finance. It accepts various deposit products, including checking, savings, time, and money market accounts, as well as individual retirement accounts, demand deposits, NOW accounts, and certificates of deposit. The company also provides various residential real estate loans, including one-to four-family residential mortgages; commercial loans for securing equipment, inventory, stock, commercial real estate, and rental property; and consumer loans secured by automobiles, mobile homes, recreational vehicles, and other personal property, as well as personal loans, unsecured credit card receivables, floor plan and student loans, and construction loans. In addition, it offers safe deposit boxes, wire transfers, credit card services, and Internet banking services; and financial management online services, such as cash management and news updates related to repossession auctions, current rates, and general bank news. Further, the company provides automatic teller machine (ATM) services, consumer finance, seasonal tax preparation services, and commercial property and various liability insurance services, as well as trust and online-only consumer direct mortgage services. It operates sixteen offices in Ohio and West Virginia; and six consumer finance offices in Ohio. The company owns and operates thirty- six ATMs, including twenty off-site ATMs. Ohio Valley Banc Corp. was founded in 1872 and is headquartered in Gallipolis, Ohio.

How the Company Makes Money

Ohio Valley Banc Corp. generates revenue primarily through the interest income from its lending activities, which include personal loans, mortgages, and business loans. The company also earns non-interest income from service fees, transaction fees, and other banking services such as wealth management and investment services. Additionally, OVBC benefits from its involvement in community banking, which helps to foster customer loyalty and retention. Key factors contributing to its earnings include maintaining strong customer relationships, managing interest rate spreads, and optimizing operational efficiencies within its banking operations.

Ohio Valley Banc Financial Statement Overview

Summary

Ohio Valley Banc shows a positive revenue growth trend with stable balance sheet metrics, indicating a robust financial position. However, declines in profitability margins and operating cash flow suggest potential cost pressures and liquidity management challenges. Continued focus on cost efficiency and cash flow generation will be crucial for sustaining growth.

Income Statement

The revenue growth rate has been positive over the years, with a recent increase from $56.57M to $61.98M, indicating healthy business expansion. However, the net profit margin has decreased from 22.33% to 17.75% over the past year, suggesting potential cost management issues. EBIT and EBITDA margins are currently unavailable, limiting full profitability analysis.

Balance Sheet

The company's debt-to-equity ratio has improved, reflecting a strong equity position against liabilities. The equity ratio remains stable, indicating a solid capital structure. However, the stockholders' equity showed a slight increase from $144.01M to $150.33M, highlighting moderate growth in shareholder value.

Cash Flow

Operating cash flow decreased from $20.75M to $13.10M, which is a concern for liquidity management. Free cash flow has also declined, though it remains positive, which is essential for reinvestments and dividends. The free cash flow to net income ratio is healthy, showing efficient cash conversion.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	91.00M	88.93M	74.49M	57.78M	54.58M	55.61M
Gross Profit	61.74M	59.51M	56.57M	54.94M	50.88M	46.44M
EBITDA	15.54M	15.11M	16.78M	17.50M	15.63M	13.84M
Net Income	12.61M	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	323.09M	281.72M	290.38M	231.93M	331.36M	253.13M
Total Debt	47.92M	49.26M	54.30M	27.74M	29.31M	37.24M
Total Liabilities	1.36B	1.35B	1.21B	1.08B	1.11B	1.05B
Stockholders Equity	155.72M	150.33M	144.01M	135.03M	141.36M	136.32M
Cash Flow
Free Cash Flow	11.57M	11.66M	18.06M	14.00M	12.05M	9.04M
Operating Cash Flow	12.66M	13.10M	20.75M	15.99M	13.14M	12.49M
Investing Cash Flow	-145.57M	-195.18M	-59.79M	-83.39M	-52.40M	-88.69M
Financing Cash Flow	124.45M	137.07M	121.18M	-38.64M	52.95M	162.14M

Ohio Valley Banc Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 34.12
• 50DMA: Positive
• 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 34.12 is above the 20-day moving average (MA) of 32.04, above the 50-day MA of 33.48, and above the 200-day MA of 28.19, indicating a bullish trend. The MACD of 0.60 indicates Negative momentum. The RSI at 57.38 is Neutral, neither overbought nor oversold. The STOCH value of 66.94 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	78 Outperform	$155.01M	11.48	10.35%	5.41%	0.16%	-25.67%
OVBC	76 Outperform	$159.70M	12.68	8.37%	2.71%	16.21%	10.91%
CBFV	74 Outperform	$143.71M	14.89	7.11%	3.50%	24.57%	-54.50%
FCAP	68 Neutral	$140.76M	11.49	10.83%	2.77%	12.53%	2.45%
Sector *	67 Neutral	$16.64B	11.61	9.79%	3.78%	11.89%	-8.13%
BFIN	66 Neutral	$144.17M	32.45	2.83%	3.46%	0.83%	-47.11%
HNVR	66 Neutral	$163.30M	17.34	4.93%	1.77%	28.86%	-20.64%

Ohio Valley Banc Corporate Events

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.

Ohio Valley Banc Concludes 2025 Annual Shareholder Meeting

Ohio Valley Banc Corp. held its 2025 Annual Meeting of shareholders on May 14, 2025, where 80.94% of the outstanding common shares entitled to vote were represented. During the meeting, shareholders elected three directors for terms expiring in 2028, approved executive compensation in a non-binding advisory vote, and ratified the selection of Plante & Moran PLLC as the independent registered public accounting firm for the fiscal year ending December 31, 2025.