Ohio Valley Banc (OVBC) AI Stock Analysis

• Market Cap: $207.76M
• Dividend Yield: 2.27%
• Average Volume (3M): 14.18K
• Price to Earnings (P/E): 12.0
• Beta (1Y): 0.12
• Revenue Growth: 6.08%
• EPS Growth: 23.01%
• Country: US
• Employees: 271
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 3.31
• 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: 11.06
• Enterprise Value/Market Cap: 1.25
• Enterprise Value/Revenue: 2.77
• Enterprise Value/Gross Profit: 4.09
• Enterprise Value/Ebitda: 13.40
• 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: 67 Neutral
• Price Target: $49.00 ▲(25.80% Upside)
• Action: Reiterated Date: 04/15/26
• Date: Action: Reiterated 04/15/26

Positive Factors

Conservative Balance Sheet

OVBC’s conservative leverage (debt-to-equity around ~0.32 at year-end 2025) and steady equity growth provide durable capital resilience. This lowers solvency risk in stressed credit cycles, preserves regulatory flexibility and supports ongoing lending and measured balance-sheet expansion over the next several quarters.

Negative Factors

Sharp 2025 Revenue Decline

A nearly 40% revenue drop in 2025 is a material structural concern: it can indicate loan runoff, fee compression or one-off items that erode the recurring earnings base. Even with resilient profit dollars, sustained top-line weakness risks future margin pressure and limits organic capital generation.

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...

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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

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 (...

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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

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

• Technical Analysis Sentiment: Positive
• Last Price: 38.95
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: 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 44.01, below the 50-day MA of 43.21, and above the 200-day MA of 38.46, indicating a bullish trend. The MACD of 1.01 indicates Negative momentum. The RSI at 75.90 is Negative, neither overbought nor oversold. The STOCH value of 86.26 is Negative, 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
PEBK	74 Outperform	$216.38M	11.80	13.46%	2.58%	3.06%	18.14%
ATLO	71 Outperform	$250.22M	10.56	9.70%	3.49%	6.16%	91.37%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
OVBC	67 Neutral	$207.76M	12.02	9.04%	2.27%	6.08%	23.01%
CBFV	61 Neutral	$177.32M	11.17	4.45%	2.90%	-11.93%	-32.54%
MRBK	61 Neutral	$213.23M	11.88	12.59%	2.87%	4.29%	46.09%

Ohio Valley Banc Corporate Events