Ohio Valley Banc (OVBC)
NASDAQ:OVBC
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Ohio Valley Banc
(NASDAQ:OVBC)
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Rating:63Neutral
Price Target:
$45.00
â–²(15.53% Upside)
Action:DowngradedDate:03/17/26
OVBC’s score is driven primarily by steady underlying financial strength (profitability, improving ROE, conservative leverage, and positive free cash flow), tempered by the sharp 2025 revenue decline and some cash-flow signal volatility. Technical indicators are mixed-to-soft, while valuation is supportive with a reasonable P/E and a moderate dividend yield.
Positive Factors
Profitability and Margins
Recovering net margins (~16.6% in 2025) and improving ROE (~9.2%) indicate the bank is operating with healthy spread management and rising shareholder returns. This durable profitability supports internal capital generation, dividend capacity, and resilience through moderate cyclical pressure over the next several months.
Negative Factors
Sharp Revenue Decline
A -38.4% YoY revenue drop in 2025 is a material top-line deterioration that raises questions about business mix, loan book rolloffs, or fee income sustainability. Even with earnings resilience, such a pronounced decline can compress growth prospects and limit the bank's ability to expand lending or absorb new credit costs over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability and Margins
Recovering net margins (~16.6% in 2025) and improving ROE (~9.2%) indicate the bank is operating with healthy spread management and rising shareholder returns. This durable profitability supports internal capital generation, dividend capacity, and resilience through moderate cyclical pressure over the next several months.
Read all positive factors
Ohio Valley Banc (OVBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$214.63M
Dividend Yield2.27%
Average Volume (3M)14.18K
Price to Earnings (P/E)12.1
Beta (1Y)0.11
Revenue Growth10.35%
EPS Growth22.05%
CountryUS
Employees271
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.84
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 Cap1.26
Enterprise Value/Revenue2.86
Enterprise Value/Gross Profit4.24
Enterprise Value/Ebitda13.87
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 consumer banking products and services. The company operates in two segments, Banking and Consumer Finance. It accepts variou...
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 in...
Ohio Valley Banc Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
73
Positive
Cash Flow
62
Positive
| 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 | 17.03M | 11.66M | 18.06M | 14.00M | 12.05M |
| Operating Cash Flow | 18.06M | 13.10M | 20.75M | 15.99M | 13.14M |
| Investing Cash Flow | -110.58M | -195.18M | -59.79M | -83.39M | -52.40M |
| Financing Cash Flow | 55.31M | 137.07M | 121.18M | -38.64M | 52.95M |
Ohio Valley Banc Technical Analysis
Positive
38.95
Price Trends
42.61
Positive
41.02
Positive
37.91
Positive
Market Momentum
0.65
Negative
71.28
Negative
81.63
Negative
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 42.47, below the 50-day MA of 42.61, and above the 200-day MA of 37.91, indicating a bullish trend. The MACD of 0.65 indicates Negative momentum. The RSI at 71.28 is Negative, neither overbought nor oversold. The STOCH value of 81.63 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OVBC.
Ohio Valley Banc Risk Analysis
Ohio Valley Banc disclosed 26 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 |
|---|---|---|---|---|---|---|---|
74 Outperform | $229.16M | 12.41 | 13.46% | 2.58% | 4.52% | 3.47% | |
71 Outperform | $262.26M | 7.86 | 9.70% | 3.49% | 5.89% | 82.82% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $181.36M | 14.13 | 9.03% | 4.66% | -2.00% | -36.25% | |
64 Neutral | $184.15M | 35.81 | 3.23% | 2.90% | -1.39% | -88.66% | |
63 Neutral | $214.63M | 12.07 | 9.58% | 2.27% | 10.35% | 22.05% | |
58 Neutral | $244.63M | 9.12 | 11.39% | 2.87% | 9.77% | 76.75% |
* Financial Sector Average
OVBC
Ohio Valley Banc
45.56
16.59
57.25%
ATLO
Ames National
29.61
13.72
86.38%
PEBK
Peoples Bancorp Of North Carolina
41.96
17.06
68.50%
CBFV
CB Financial Services
36.28
9.94
37.75%
UBFO
United Security Bancshares
10.51
3.18
43.46%
MRBK
Meridian Bank
20.60
7.88
61.98%
Ohio Valley Banc Corporate Events
Dividends
Ohio Valley Banc Declares Quarterly Cash Dividend
Positive
Jan 13, 2026
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 underscor...
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.