Want to see OVBC full AI Analyst Report?
Top Page
Ohio Valley Banc
(NASDAQ:OVBC)
Select Model
Select Model
Rating:69Neutral
Price Target:
$47.00
â–²(11.53% Upside)
Action:Downgraded
Date:07/15/26
OVBC scores as a solid but not high-momentum setup: strong underlying fundamentals (improving cash generation and steady profitability) and reasonable valuation are the main supports, partially offset by weak near-term technical indicators (price below key moving averages with negative MACD and low RSI). Corporate updates are positive but incremental relative to the core financial and technical picture.
Positive Factors
Cash generation
TTM operating cash flow and free cash flow rose sharply, with FCF roughly matching net income. Durable cash generation supports internal funding for loans, dividends and reinvestment, reducing dependence on wholesale funding and cushioning capital allocation over the next 2–6 months.
Negative Factors
Margin pressure
Although revenue rose, margins have compressed versus earlier peaks and operating profit is slightly lower year-on-year. Persistent cost or margin pressure would erode the bank's ability to convert revenue into sustainable earnings and constrain capital accumulation over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash generation
TTM operating cash flow and free cash flow rose sharply, with FCF roughly matching net income. Durable cash generation supports internal funding for loans, dividends and reinvestment, reducing dependence on wholesale funding and cushioning capital allocation over the next 2–6 months.
Read all positive factors
Ohio Valley Banc (OVBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$198.14M
Dividend Yield2.28%
Average Volume (3M)14.18K
Price to Earnings (P/E)14.0
Beta (1Y)0.20
Revenue Growth5.77%
EPS Growth2.59%
CountryUS
Employees269
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.28
Shares Outstanding4,711,001
10 Day Avg. Volume20,552
30 Day Avg. Volume14,183
Financial Highlights & Ratios
PEG Ratio0.29
Price to Book (P/B)1.11
Price to Sales (P/S)2.00
P/FCF Ratio11.06
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 marke...
How the Company Makes Money
OVBC primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is generated by earning interest and fees on interest-earning assets—mainly loans (e.g., commercial and industrial loans, commercial real es...
Ohio Valley Banc Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
80
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 96.52M | 94.21M | 88.93M | 74.49M | 57.78M | 54.58M |
| Gross Profit | 63.84M | 63.66M | 59.51M | 56.57M | 54.97M | 51.30M |
| EBITDA | 19.15M | 21.16M | 15.11M | 16.78M | 17.50M | 15.63M |
| Net Income | 15.49M | 15.60M | 11.00M | 12.63M | 13.34M | 11.73M |
Balance Sheet | ||||||
| Total Assets | 1.68B | 1.58B | 1.50B | 1.35B | 1.21B | 1.25B |
| Cash, Cash Equivalents and Short-Term Investments | 16.25M | 268.75K | 281.72M | 290.38M | 231.93M | 331.36M |
| Total Debt | 52.91M | 55.19M | 49.26M | 54.30M | 27.74M | 29.31M |
| Total Liabilities | 1.51B | 1.41B | 1.35B | 1.21B | 1.08B | 1.11B |
| Stockholders Equity | 171.28M | 170.26M | 150.33M | 144.01M | 135.03M | 141.36M |
Cash Flow | ||||||
| Free Cash Flow | 23.69M | 17.03M | 11.66M | 18.06M | 14.00M | 12.05M |
| Operating Cash Flow | 24.76M | 18.06M | 13.10M | 20.75M | 15.99M | 13.14M |
| Investing Cash Flow | -160.30M | -110.58M | -195.18M | -59.79M | -83.39M | -52.40M |
| Financing Cash Flow | 140.26M | 55.31M | 137.07M | 121.18M | -38.64M | 52.95M |
Ohio Valley Banc Technical Analysis
Negative
42.14
Price Trends
45.12
Negative
44.48
Negative
41.77
Positive
Market Momentum
-0.79
Negative
40.74
Neutral
17.62
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OVBC, the sentiment is Negative. The current price of 42.14 is below the 20-day moving average (MA) of 42.52, below the 50-day MA of 45.12, and above the 200-day MA of 41.77, indicating a neutral trend. The MACD of -0.79 indicates Negative momentum. The RSI at 40.74 is Neutral, neither overbought nor oversold. The STOCH value of 17.62 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Ohio Valley Banc Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $234.84M | 12.95 | 12.75% | 2.30% | 2.52% | 16.48% | |
70 Outperform | $270.94M | 11.86 | 11.08% | 3.49% | 7.03% | 69.03% | |
69 Neutral | $198.14M | 13.97 | 9.29% | 2.28% | 5.77% | 2.59% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $233.53M | 9.35 | 12.57% | 2.67% | 1.12% | 13.95% | |
64 Neutral | $185.81M | 25.62 | 4.57% | 3.01% | -9.31% | -37.86% |
* Financial Sector Average
OVBC
Ohio Valley Banc
42.06
9.94
30.95%
ATLO
Ames National
30.59
12.74
71.39%
PEBK
Peoples Bancorp Of North Carolina
43.00
15.42
55.89%
CBFV
CB Financial Services
36.63
6.11
20.00%
MRBK
Meridian Bank
19.64
5.70
40.86%
Ohio Valley Banc Corporate Events
Dividends
Ohio Valley Banc Declares Quarterly Cash Dividend
Positive
Jul 15, 2026
On July 14, 2026, Ohio Valley Banc Corp.’s Board of Directors declared a quarterly cash dividend of $0.25 per share on its common stock. The dividend was scheduled to be paid on August 10, 2026, to shareholders of record as of July 24, 2026,...
Business Operations and StrategyExecutive/Board ChangesShareholder Meetings
Ohio Valley Banc Modernizes Governance With New Leadership
Positive
May 15, 2026
On May 13, 2026, Ohio Valley Banc Corp. implemented a major governance and leadership transition, appointing K. Ryan Smith as its first independent chairman following the retirement of long-time chairman and former CEO Thomas E. Wiseman, who will ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.