Ohio Valley Banc (OVBC) AI Stock Analysis

• Market Cap: $190.23M
• Dividend Yield: 2.27%
• Average Volume (3M): 14.18K
• Price to Earnings (P/E): 13.4
• Beta (1Y): 0.10
• 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: 20,552
• 30 Day Avg. Volume: 14,183
• 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: 1.07
• Enterprise Value/Revenue: 2.84
• Enterprise Value/Gross Profit: 4.14
• Enterprise Value/Ebitda: 13.05
• 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: $45.00 ▲(15.53% Upside)

Ohio Valley Banc's overall stock score is driven by its solid financial performance and reasonable valuation. The technical analysis indicates a positive trend, but caution is advised due to overbought signals. The company's commitment to dividends further supports its attractiveness, although potential pullbacks should be monitored.

Positive Factors

Revenue Growth

Consistent revenue growth indicates a stable demand for the company's banking services, supporting long-term business sustainability.

Cash Flow Management

Efficient cash flow management ensures the company can fund operations, invest in growth opportunities, and maintain financial stability.

Dividend Commitment

The ongoing commitment to dividends reflects financial health and a focus on returning value to shareholders, enhancing investor confidence.

Negative Factors

Margin Pressure

Decreasing profit margins suggest rising costs or competitive pressures, which could impact profitability if not addressed.

Debt Levels

Rising debt levels may strain financial resources and limit flexibility, potentially affecting long-term financial health.

Free Cash Flow Volatility

Volatile free cash flow can hinder the company's ability to consistently fund operations and growth initiatives, posing a risk to stability.

Ohio Valley Banc Business Overview & Revenue Model

Company Description

Ohio Valley Banc (OVBC) is a financial services company headquartered in Gallipolis, Ohio. It operates primarily through its banking subsidiary, Ohio Valley Bank, which provides a range of services including personal and commercial banking, mortgage lending, and investment services. The company serves diverse sectors in the community, focusing on retail banking, small business lending, and consumer loans, catering to the financial needs of individuals and businesses in the Ohio Valley region.

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

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	71.28M	88.93M	74.49M	57.78M	54.58M	55.61M
Gross Profit	48.98M	59.51M	56.57M	54.97M	51.30M	46.44M
EBITDA	15.53M	15.11M	16.78M	17.50M	15.63M	13.84M
Net Income	11.13M	11.00M	12.63M	13.34M	11.73M	10.26M
Balance Sheet
Total Assets	1.57B	1.50B	1.35B	1.21B	1.25B	1.19B
Cash, Cash Equivalents and Short-Term Investments	0.00	281.72M	290.38M	231.93M	331.36M	253.13M
Total Debt	45.49M	49.26M	54.30M	27.74M	29.31M	37.24M
Total Liabilities	1.41B	1.35B	1.21B	1.08B	1.11B	1.05B
Stockholders Equity	164.42M	150.33M	144.01M	135.03M	141.36M	136.32M
Cash Flow
Free Cash Flow	12.44M	11.66M	18.06M	14.00M	12.05M	9.04M
Operating Cash Flow	12.68M	13.10M	20.75M	15.99M	13.14M	12.49M
Investing Cash Flow	-67.51M	-195.18M	-59.79M	-83.39M	-52.40M	-88.69M
Financing Cash Flow	61.95M	137.07M	121.18M	-38.64M	52.95M	162.14M

Ohio Valley Banc Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 38.95
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 40.55, above the 50-day MA of 37.69, and above the 200-day MA of 34.60, indicating a neutral trend. The MACD of 0.96 indicates Positive momentum. The RSI at 54.46 is Neutral, neither overbought nor oversold. The STOCH value of 13.63 is Positive, 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	$179.64M	15.58	8.41%	4.66%	-2.00%	-36.25%
PEBK	76 Outperform	$203.42M	12.16	11.73%	2.58%	4.52%	3.47%
MRBK	75 Outperform	$202.48M	9.93	11.39%	2.87%	9.77%	76.75%
ATLO	70 Outperform	$205.23M	12.84	8.35%	3.49%	5.89%	82.82%
OVBC	68 Neutral	$190.23M	13.43	8.95%	2.27%	10.35%	22.05%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CBFV	67 Neutral	$176.08M	87.17	1.78%	2.90%	-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.