Saturday 17 October 2026 Export OVBC’s income statement to Excel — free account

Ohio Valley Banc Corp.

Ohio Valley Banc Corp.’s revenue for fiscal 2025 (year ended December 2025) was $94.2 million, up 5.93% from fiscal 2024. In the quarter to June 2026, revenue grew 11.6%, EPS fell 30.3%, free cash flow fell 91.5% and total debt rose 10.2%, each against the same quarter a year earlier. Dividend growth for three consecutive years, revenue growth for three; insiders bought in the last twelve months.

45.99 0.12 −0.26%

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Market cap: $217.2M
P/E: 15.3×
Fwd P/E: 11.0×
Dividend yield: 2.09%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.02

Total sells 0.26

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	2	—	—	2	—	—	2	—	—	2	—	—
Sell	—	1	—	—	—	—	—	—	—	—	—	—

Insider Ownership 21.46%

Capital & Financial Ratios $m

Market Cap 217.23

Revenue 99.30

Net Income 15.60

Free Cash Flow 53.12

Net Debt (28.14)

Current Ratio 0.93

Debt/Equity 0.29

P/E ratio 15.28

Fwd P/E 11.00

P/S ratio 2.18

P/B ratio 1.25

Past 5Y EPS Growth 9.11%

This Y EPS Growth —

Next Y EPS Growth —

Next Y revenue growth —

Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 72.24%

10-year low 10-year high

P/S against its own 10 years 51.05%

10-year low 10-year high

P/B against its own 10 years 72.58%

10-year low 10-year high

Dividends

Payout Ratio 0.32

Annual Dividend Rate 0.96

Annual Dividend Yield 2.09%

	total	individual payouts
2026	0.73	0.23 0.25 0.25
2025	0.91	0.22 0.23 0.23 0.23
2024	0.88	0.22 0.22 0.22 0.22
2023	0.87	0.21 0.22 0.15 0.22 0.22
2022	0.84	0.21 0.21 0.15 0.21 0.21
2021	0.84	0.21 0.21 0.21 0.21
2020	0.84	0.21 0.21 0.21 0.21
2019	0.84	0.21 0.21 0.21 0.21
2018	0.84	0.21 0.21 0.21 0.21
2017	0.84	0.21 0.21 0.21 0.21
2016	0.84	0.21 0.21 0.21 0.21

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	128	83	46	78
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	1,095	1,140	1,236	1,313

	2023	2024	2025	Q'26
Payables	1,127	1,275	1,330	1,408
ST’ Debt	—	—	—	—
Other	—	—	—	—
	1,127	1,275	1,330	1,408

Compound Annual Growth %

	10y	5y	3y
Sales	7.68%	10.34%	17.70%
Cash Flow	5.69%	7.68%	4.19%
Earnings	6.17%	8.75%	5.36%
Book Value	6.53%	4.55%	8.03%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	26	27	—	—	—
’25	23	24	23	24	94
’24	21	21	22	24	89
’23	18	18	19	21	74
’22	14	14	15	14	58
’21	14	14	14	13	55
’20	16	14	14	14	58

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	7	3	—	—	—
’25	0	4	5	8	18
’24	1	4	6	2	13
’23	4	4	6	7	21
’22	3	3	5	6	16
’21	1	3	4	5	13
’20	2	3	3	5	12

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	7	0	—	—	—
’25	0	4	5	41	50
’24	0	4	5	2	12
’23	4	3	5	6	18
’22	2	2	5	5	14
’21	1	3	4	5	13
’20	0	3	2	5	10

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.91	0.62	—	—	—
’25	0.94	0.89	0.64	0.84	3.31
’24	0.58	0.63	0.58	0.53	2.32
’23	0.82	0.68	0.47	0.68	2.65
’22	0.87	0.42	0.77	0.74	2.80
’21	0.74	0.60	0.63	0.48	2.45
’20	0.21	0.47	0.48	0.98	2.14

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	21.40	26.02	26.45	29.72	19.20	21.16	22.68	21.69	19.35	21.86	Analyst estimates 2026–2028 Powerpack
	High	29.34	43.85	56.15	41.50	41.20	32.70	32.49	27.99	28.00	42.00
People
People	Employees	297	305	300	284	284	264	284	284	271	269
	Revenue/emp, $m	0.16	0.18	0.19	0.21	0.20	0.21	0.20	0.26	0.33	0.35
Income, $m
Income, $m	Revenue	48	55	58	59	58	55	58	74	89	94
	Gross margin, %	93.65	92.79	90.59	87.79	89.25	93.22	95.09	78.74	69.69	70.82
	EBT	9	12	14	12	12	14	16	15	13	19
	EBT margin, %	18.58	21.75	24.42	19.70	21.36	25.68	27.57	20.40	15.04	20.65
	Net income	7	8	12	10	10	12	13	13	11	16
	Depreciation	2	2	2	2	2	2	2	1	0	0
Per share, $
Per share, $	Revenue	10.93	11.77	12.30	12.48	12.03	11.42	12.12	15.60	18.77	20.00
	Earnings	1.59	1.60	2.53	2.08	2.14	2.45	2.80	2.65	2.32	3.31
	Cash flow	3.07	3.09	3.84	3.09	2.61	2.76	3.35	4.34	2.76	3.84
	Capex	(0.29)	(0.06)	(0.34)	(1.14)	(0.60)	(0.13)	(0.33)	(0.52)	(0.30)	6.87
	Free cash flow	2.78	3.04	3.50	1.95	2.01	2.63	3.02	3.83	2.47	10.71
	Book value	24.02	23.34	24.94	26.89	28.48	29.57	28.31	30.16	31.73	36.14
	Shares, m	4	5	5	5	5	5	5	5	5	5
Valuation, ×
Valuation, ×	P/E	17.14	25.41	13.99	19.05	11.03	12.10	9.61	8.31	10.44	12.08
	P/S	2.52	3.45	2.88	3.18	1.96	2.60	2.22	1.41	1.29	2.00
	P/B	1.15	1.74	1.42	1.47	0.83	1.00	0.95	0.73	0.76	1.11
	EV/Sales	2.60	2.91	2.48	3.01	0.19	0.33	1.88	0.40	0.90	2.08
	EV/FCF	10.25	11.26	8.72	1,598.25	1.15	1.42	7.54	1.65	6.83	3.88
Cash, $m
Cash, $m	Operating cash flow	13	14	18	15	12	13	16	21	13	18
	Capex	(1)	0	(2)	(5)	(3)	(1)	(2)	(2)	(1)	32
	Free cash flow	12	14	17	9	10	13	14	18	12	50
Balance, $m
Balance, $m	Working capital	(33)	(34)	(20)	(20)	(30)	(100)	(119)	(32)	(136)	(94)
	Total debt	46	44	48	42	36	28	26	53	48	53
	Net debt	4	(30)	(23)	(10)	(102)	(124)	(20)	(75)	(35)	7
	Shareholders’ equity	105	109	118	128	136	141	135	144	150	170
Returns, %
Returns, %	ROA	0.79	0.76	1.16	0.97	0.93	0.96	1.08	0.99	0.77	1.01
	ROIC	5.64	10.28	9.35	6.19	22.37	50.24	8.62	13.77	7.24	6.84
	ROE	7.10	7.02	10.51	8.05	7.76	8.45	9.65	9.05	7.47	9.73

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
CMTV Community Bancorp.	$234.3M	12.6×	—	+8.55% (above 0%: growing)	+16.67% (above 0%: growing)	+17.48% (above 0%: growing)	73.88%	0.00%	Compare
INBK First Internet Bancorp	$226.6M	— (loss-making)	11.4×	−1.30% (below 0%: shrinking)	+1,250.00% (above 0%: growing)	+126.71% (above 0%: growing)	48.20%	0.00%	Compare
OPBK OP Bancorp	$221.8M	7.6×	7.5×	+5.31% (above 0%: growing)	+28.57% (above 0%: growing)	+3.10% (above 0%: growing)	58.66%	0.00%	Compare
MRBK Meridian Bank	$219.6M	9.9×	9.5×	−3.50% (below 0%: shrinking)	−2.00% (below 0%: shrinking)	+88.96% (above 0%: growing)	64.49%	0.00%	Compare
CFBK CF Bankshares Inc.	$217.9M	11.5×	8.1×	−0.68% (below 0%: shrinking)	+18.18% (above 0%: growing)	−35.84% (below 0%: shrinking)	52.15%	0.00%	Compare
OVBC Ohio Valley Banc Corp.	$217.2M	15.3×	11.0×	+11.63% (above 0%: growing)	−30.34% (below 0%: shrinking)	−91.53% (below 0%: shrinking)	69.70%	0.00%
FCAP First Capital, Inc.	$206.0M	11.1×	— (loss-making)	+11.02% (above 0%: growing)	+26.55% (above 0%: growing)	+2.66% (above 0%: growing)	80.17%	0.00%	Compare
CZWI Citizens Community Bancorp, Inc.	$203.7M	16.2×	11.4×	−2.75% (below 0%: shrinking)	−66.67% (below 0%: shrinking)	+1,134.94% (above 0%: growing)	65.38%	0.00%	Compare
RBKB Rhinebeck Bancorp, Inc.	$200.9M	17.9×	—	+2.17% (above 0%: growing)	−5.03% (below 0%: shrinking)	+145.41% (above 0%: growing)	71.31%	0.00%	Compare
Median of peers	$218.7M	11.5×	9.5×	+0.75%	+17.43%	+53.22%	64.94%	0.00%

All 323 Banks Regional stocks →

Ohio Valley Banc Corp. (OVBC) key facts

Strength: Ohio Valley Banc Corp.’s revenue for fiscal 2025 (year ended December 2025) was $94.2 million, up 5.93% from fiscal 2024.
Ohio Valley Banc Corp. (OVBC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, OVBC traded at $45.99, a market capitalization of $217.2 million.
Ohio Valley Banc Corp. pays an annual dividend of $0.96 per share, a yield of 2.09%, with a payout ratio of 31.9%.
Return on equity was 9.73% and debt-to-equity 0.29.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.