Ohio Valley Banc (OVBC) AI Stock Analysis

• Market Cap: $204.98M
• Dividend Yield: 2.27%
• Average Volume (3M): 14.18K
• Price to Earnings (P/E): 13.3
• Beta (1Y): 0.07
• Revenue Growth: 10.35%
• EPS Growth: 22.05%
• Country: US
• Employees: 271
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.84
• Shares Outstanding: 4,711,001
• 10 Day Avg. Volume: 20,552
• 30 Day Avg. Volume: 14,183
• PEG Ratio: 0.29
• Price to Book (P/B): 1.11
• Price to Sales (P/S): 2.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.27
• Enterprise Value/Revenue: 2.76
• Enterprise Value/Gross Profit: 4.09
• Enterprise Value/Ebitda: 13.37
• 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: 75 Outperform
• Price Target: $46.00 ▲(18.10% Upside)
• Action: Reiterated Date: 01/30/26
• Date: Action: Reiterated 01/30/26

The score is primarily driven by improving profitability and ROE with reasonable leverage, complemented by constructive technical momentum (price above key moving averages and positive MACD). Valuation is supportive with a moderate P/E and a solid dividend yield, while the key risk tempering the score is weaker cash-flow momentum despite solid earnings.

Positive Factors

Conservative Leverage

A low debt-to-equity ratio indicates conservative leverage, reducing refinancing and interest-rate risks. This balance sheet strength supports consistent lending capacity, preserves capital flexibility for credit losses, and underpins long-term resilience in varied economic cycles.

Robust Profitability Margins

Sustained mid-teens net margins and healthy operating margins reflect efficient core banking operations and disciplined expense control. Persistent profitability provides internal capital for growth, dividend funding, and loss absorption, strengthening the firm's long-term earning power.

Efficient Cash Conversion

Strong operating cash conversion and near-par free cash flow relative to earnings indicate reliable internal cash generation. Durable cash flow supports ongoing lending, dividend payments, and strategic investments without excessive external financing, enhancing financial stability.

Negative Factors

Margin Compression Risk

A declining gross margin signals rising costs or pricing pressure that can erode bank profitability over time. If cost pressures persist, margins could compress further, limiting the bank's ability to grow earnings, maintain dividends, or build capital buffers without revenue expansion.

Volatile Free Cash Flow Growth

Historical variability in free cash flow growth reduces predictability of internally funded initiatives and shareholder returns. Persistent volatility can constrain strategic investment, make dividend policy harder to sustain, and increase reliance on external funding during stress periods.

Rising Debt Trend

Even with current conservative leverage, a trend of increasing debt raises sensitivity to funding costs and credit conditions. Continued upward debt movement could limit capital flexibility, press regulatory metrics over time, and reduce the bank's ability to absorb economic shocks.

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 generates revenue primarily through interest income from loans and fees associated with its banking services. The company offers various loan products, including personal loans, home mortgages, and commercial loans, which yield interest payments that constitute a significant portion of its income. Additionally, OVBC earns money through service fees on deposit accounts, ATM transactions, and other banking services. The bank may also engage in investment services, earning commissions and management fees. Partnerships with local businesses and community organizations enhance its customer base and contribute to its earnings by promoting financial products tailored to community needs.

Ohio Valley Banc Financial Statement Overview

Summary

Strong income statement trends with re-accelerating revenue growth and improved TTM profitability versus 2024, plus improving ROE and reasonable leverage. The main drag is weaker cash flow momentum, with sharply negative TTM free-cash-flow growth and slightly lower operating cash flow versus 2024.

Income Statement

Revenue growth remains positive and has re-accelerated in TTM (Trailing-Twelve-Months) (~111% vs ~19% in 2024), and profitability improved versus 2024 with higher operating and net margins (TTM net margin ~15.6% vs ~12.4% in 2024). However, margins are still below the stronger 2021–2022 levels (net margin ~23–24%), indicating some normalization/pressure versus the prior peak profitability period.

Balance Sheet

Leverage looks reasonable and has improved from 2023 to TTM (Trailing-Twelve-Months), with debt-to-equity down to ~0.28 from ~0.38, supporting balance sheet stability. Returns to shareholders are solid and improving (ROE ~9.6% TTM vs ~7.3% in 2024). The key watch-out is that total debt ticked up versus 2024 while assets and equity also grew, so continued discipline on funding and asset quality is important for a regional bank.

Cash Flow

Cash generation is positive, with TTM (Trailing-Twelve-Months) free cash flow of ~$11.6M and free cash flow closely matching net income (~0.98x), which supports earnings quality. That said, free cash flow growth is sharply negative in TTM (Trailing-Twelve-Months) (down ~368%), and operating cash flow is slightly lower than 2024, pointing to more volatility in cash generation versus the steadier earnings trend.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	94.21M	88.93M	74.49M	57.78M	54.58M
Gross Profit	63.66M	59.51M	56.57M	54.97M	51.30M
EBITDA	19.45M	15.11M	16.78M	17.50M	15.63M
Net Income	15.60M	11.00M	12.63M	13.34M	11.73M
Balance Sheet
Total Assets	1.58B	1.50B	1.35B	1.21B	1.25B
Cash, Cash Equivalents and Short-Term Investments	268.75K	281.72M	290.38M	231.93M	331.36M
Total Debt	55.19M	49.26M	54.30M	27.74M	29.31M
Total Liabilities	1.41B	1.35B	1.21B	1.08B	1.11B
Stockholders Equity	170.26M	150.33M	144.01M	135.03M	141.36M
Cash Flow
Free Cash Flow	0.00	11.66M	18.06M	14.00M	12.05M
Operating Cash Flow	0.00	13.10M	20.75M	15.99M	13.14M
Investing Cash Flow	0.00	-195.18M	-59.79M	-83.39M	-52.40M
Financing Cash Flow	0.00	137.07M	121.18M	-38.64M	52.95M

Ohio Valley Banc Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 38.95
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• 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 38.95 is below the 20-day moving average (MA) of 42.44, below the 50-day MA of 41.15, and above the 200-day MA of 36.41, indicating a bullish trend. The MACD of 0.90 indicates Negative momentum. The RSI at 76.06 is Negative, neither overbought nor oversold. The STOCH value of 68.11 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	$184.21M	14.96	8.41%	4.66%	-2.00%	-36.25%
PEBK	76 Outperform	$209.59M	10.54	11.73%	2.58%	4.52%	3.47%
OVBC	75 Outperform	$204.98M	13.28	8.95%	2.27%	10.35%	22.05%
ATLO	71 Outperform	$244.62M	12.75	8.35%	3.49%	5.89%	82.82%
MRBK	71 Outperform	$225.28M	10.42	11.39%	2.87%	9.77%	76.75%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CBFV	66 Neutral	$171.32M	36.84	1.78%	2.90%	-1.39%	-88.66%

Ohio Valley Banc Corporate Events

Ohio Valley Banc Declares Quarterly Cash Dividend

On January 13, 2026, Ohio Valley Banc Corp.’s board of directors declared a quarterly cash dividend of $0.23 per common share, payable on February 10, 2026, to shareholders of record as of January 23, 2026. The dividend declaration underscores the company’s ongoing capital return to shareholders and signals continued confidence from the board in the bank’s financial position and earnings capacity.

The most recent analyst rating on (OVBC) stock is a Hold with a $44.00 price target. To see the full list of analyst forecasts on Ohio Valley Banc stock, see the OVBC Stock Forecast page.