Ohio Valley Banc (OVBC)
NASDAQ:OVBC
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Ohio Valley Banc
(NASDAQ:OVBC)
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Rating:76Outperform
Price Target:
$57.00
â–²(46.34% Upside)
Action:Upgraded
Date:05/16/26
OVBC scores well primarily on solid financial performance (profitability and stronger TTM cash generation), supported by a constructive technical trend and reasonable valuation (P/E ~12 with a ~2.1% yield). Positive corporate updates help modestly, while margin compression and cash-flow variability temper the overall score.
Positive Factors
Cash Generation Strength
Consistent TTM operating cash flow and FCF near 1x net income indicate durable earnings quality and internal funding. Strong cash generation supports dividend payments, loan book growth, and reserve building over months, reducing reliance on external funding for ordinary operations.
Negative Factors
Margin Compression
Operating and net margins have contracted from prior peak levels, suggesting sustained pressure on spreads or rising noninterest expenses. If structural, margin compression can cap earnings growth absent notable loan mix improvement or sustained cost control, weakening medium-term profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash Generation Strength
Consistent TTM operating cash flow and FCF near 1x net income indicate durable earnings quality and internal funding. Strong cash generation supports dividend payments, loan book growth, and reserve building over months, reducing reliance on external funding for ordinary operations.
Read all positive factors
Ohio Valley Banc (OVBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$227.12M
Dividend Yield2.27%
Average Volume (3M)14.18K
Price to Earnings (P/E)14.6
Beta (1Y)0.14
Revenue Growth6.08%
EPS Growth23.01%
CountryUS
Employees271
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 Cap1.15
Enterprise Value/Revenue2.72
Enterprise Value/Gross Profit4.10
Enterprise Value/Ebitda13.68
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. serves as the parent holding company for The Ohio Valley Bank Company, providing a broad spectrum of commercial and consumer banking products and services. Its operations are structured into two main divisions: Banking and C...
How the Company Makes Money
OVBC primarily makes money through its banking subsidiary by (1) earning net interest income—the spread between interest received on interest-earning assets (notably loans and, to a lesser extent, securities) and interest paid on funding sources (...
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
Neutral
38.95
Price Trends
46.54
Positive
44.41
Positive
40.93
Positive
Market Momentum
0.66
Positive
51.61
Neutral
18.79
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OVBC, the sentiment is Neutral. The current price of 38.95 is below the 20-day moving average (MA) of 48.18, below the 50-day MA of 46.54, and below the 200-day MA of 40.93, indicating a neutral trend. The MACD of 0.66 indicates Positive momentum. The RSI at 51.61 is Neutral, neither overbought nor oversold. The STOCH value of 18.79 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | $227.12M | 14.55 | 9.29% | 2.27% | 6.08% | 23.01% | |
75 Outperform | $232.66M | 11.24 | 13.07% | 2.58% | 3.06% | 18.08% | |
70 Outperform | $264.57M | 12.22 | 10.65% | 3.49% | 6.16% | 91.37% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $191.80M | 27.39 | 4.45% | 2.90% | -11.93% | -32.54% | |
64 Neutral | $234.00M | 9.42 | 12.57% | 2.87% | 4.29% | 30.20% |
* Financial Sector Average
OVBC
Ohio Valley Banc
47.85
19.44
68.40%
ATLO
Ames National
29.50
12.85
77.15%
PEBK
Peoples Bancorp Of North Carolina
42.18
15.24
56.56%
CBFV
CB Financial Services
37.19
10.51
39.40%
MRBK
Meridian Bank
19.27
8.14
73.09%
Ohio Valley Banc Corporate Events
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 ...
Dividends
Ohio Valley Banc Declares Quarterly Cash Dividend for Shareholders
Positive
Apr 14, 2026
On April 14, 2026, Ohio Valley Banc Corp.’s board of directors declared a quarterly cash dividend of $0.25 per share on its common stock, reflecting the bank’s ongoing practice of returning capital to shareholders. The dividend is sche...
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.