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Ohio Valley Banc Corp.

OVBC Financial Banks Regional

Ohio Valley Banc Corp.’s revenue for fiscal 2025 (year ended December 2025) was $94.2 million, up 5.93% from fiscal 2024.

Revenue
+11.6%
EPS
−30.3%
Free cash flow
−91.5%
Total debt
+10.2%

Quarter to June 2026, against a year earlier

48.38 0.15 +0.31%
Market cap
$227.2M
P/E
16.1×
Fwd P/E
11.0×
Dividend yield
2.03%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.01
Sold, $m 0.26
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 2 — — 2 — — 2 — — —
Sell 1 — — — — — — — — — — —
Insider Ownership 21.46%

Capital & Financial Ratios $m

Size
Market Cap 227.21
Revenue ttm 99.30
Net income ttm 15.60
Free cash flow ttm 53.12
Net debt Q (28.14)
Valuation
P/E 16.07
Forward P/E 11.00
Price / sales 2.30
Forward P/S Powerpack
Price / FCF 4.29
Price / book 1.31
Financial health
Current ratio Q 0.93
Debt / equity Q 0.29
Interest coverage Q —
Growth
Revenue growth Q +11.63% (above 0%: growing)
Operating income growth Q −30.89% (below 0%: shrinking)
EPS, this year —
EPS, next year A —
Revenue, next year A —
EPS, past 5 yrs +9.11%
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 73.72%
10-year low 10-year high
P/S against its own 10 years 56.71%
10-year low 10-year high
P/B against its own 10 years 75.55%
10-year low 10-year high

Dividends raised 4 years running

Yield
2.03%
Annual rate
0.98
Payout ratio
32.6%
Growth, 2018–26
+1.95%/yr
  1. 0.84 ’18
  2. 0.84 ’19 +0
  3. 0.84 ’20 +0
  4. 0.84 ’21 +0
  5. 0.84 ’22 +0
  6. 0.87 ’23 +4
  7. 0.88 ’24 +1
  8. 0.91 ’25 +3
  9. 0.98 ’26 +8
paid change on the year, %

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%

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.

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.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 48 55 58 59 58 55 58 74 89 94 99 +7.9% — — — —
Gross margin, % 93.65 92.79 90.59 87.79 89.25 93.22 95.09 78.74 69.69 70.82 69.79 (22.8) pt
EBT 9 12 14 12 12 14 16 15 13 19 18 +9.2%
EBT margin, % 18.58 21.75 24.42 19.70 21.36 25.68 27.57 20.40 15.04 20.65 17.67 +2.1 pt
Net income 7 8 12 10 10 12 13 13 11 16 16 +9.5%
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 21.08 +6.9%
Earnings 1.59 1.60 2.53 2.08 2.14 2.45 2.80 2.65 2.32 3.31 3.01 +8.5%
Cash flow 3.07 3.09 3.84 3.09 2.61 2.76 3.35 4.34 2.76 3.84 4.87 +2.5%
Capex (0.29) (0.06) (0.34) (1.14) (0.60) (0.13) (0.33) (0.52) (0.30) 6.87 6.40 n/m
Free cash flow 2.78 3.04 3.50 1.95 2.01 2.63 3.02 3.83 2.47 10.71 11.27 +16.2%
Book value 24.02 23.34 24.94 26.89 28.48 29.57 28.31 30.16 31.73 36.14 36.80 +4.6%
Shares, m 4 5 5 5 5 5 5 5 5 5 5 +0.9%
Valuation, ×
Valuation, × P/E 17.14 25.41 13.99 19.05 11.03 12.10 9.61 8.31 10.44 12.08 16.07 13.9
P/S 2.52 3.45 2.88 3.18 1.96 2.60 2.22 1.41 1.29 2.00 2.30 2.4
P/B 1.15 1.74 1.42 1.47 0.83 1.00 0.95 0.73 0.76 1.11 1.31 1.1
EV/Sales 2.60 2.91 2.48 3.01 0.19 0.33 1.88 0.40 0.90 2.08 — 1.7
EV/FCF 10.25 11.26 8.72 1,598.25 1.15 1.42 7.54 1.65 6.83 3.88 — 165.1
Cash, $m
Cash, $m Operating cash flow 13 14 18 15 12 13 16 21 13 18 23 +3.4%
Capex (1) 0 (2) (5) (3) (1) (2) (2) (1) 32 30 n/m
Free cash flow 12 14 17 9 10 13 14 18 12 50 53 +17.2%
Balance, $m
Balance, $m Working capital (33) (34) (20) (20) (30) (100) (119) (32) (136) (94) (95) +12.2%
Net debt 4 (30) (23) (10) (102) (124) (20) (75) (35) 7 (28) +7.9%
Shareholders’ equity 105 109 118 128 136 141 135 144 150 170 173 +5.6%
Returns, %
Returns, % ROA 0.79 0.76 1.16 0.97 0.93 0.96 1.08 0.99 0.77 1.01 0.90 +0.2 pt
ROIC 5.64 10.28 9.35 6.19 22.37 50.24 8.62 13.77 7.24 6.84 7.55 +1.2 pt
ROE 7.10 7.02 10.51 8.05 7.76 8.45 9.65 9.05 7.47 9.73 8.50 +2.6 pt
People
People Employees 297 305 300 284 284 264 284 284 271 269 — (1.1%)
Revenue/emp, $m 0.16 0.18 0.19 0.21 0.20 0.21 0.20 0.26 0.33 0.35 — +9.1%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 25 Oct 2026

Ohio Valley Banc Corp. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

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. $248.3M 14.3× — +8.55% (above 0%: growing) +16.67% (above 0%: growing) +17.48% (above 0%: growing) 73.88% 0.00% Compare
EFSI Eagle Financial Services Inc. $245.4M 13.2× 14.4× +10.87% (above 0%: growing) −6.12% (below 0%: shrinking) −435.67% (below 0%: shrinking) 77.54% 0.00% Compare
PEBK Peoples Bancorp of North Carolina, Inc. $236.0M 9.9× 11.8× +1.75% (above 0%: growing) +53.76% (above 0%: growing) +91.79% (above 0%: growing) 80.53% 0.00% Compare
CFBK CF Bankshares Inc. $234.1M 10.0× 9.6× −0.67% (below 0%: shrinking) +155.56% (above 0%: growing) +60.95% (above 0%: growing) 52.42% 0.00% Compare
CZWI Citizens Community Bancorp, Inc. $227.4M 17.8× 15.0× −2.75% (below 0%: shrinking) −66.67% (below 0%: shrinking) +1,134.94% (above 0%: growing) 65.38% 0.00% Compare
OVBC Ohio Valley Banc Corp. $227.2M 16.1× 11.0× +11.63% (above 0%: growing) −30.34% (below 0%: shrinking) −91.53% (below 0%: shrinking) 69.70% 0.00%
INBK First Internet Bancorp $225.1M 14.7× 11.6× +49.36% (above 0%: growing) n/m −20.56% (below 0%: shrinking) 49.24% 0.00% Compare
GBFH GBank Financial Holdings Inc. $224.3M 12.3× 12.8× +22.90% (above 0%: growing) +15.15% (above 0%: growing) +3,151.19% (above 0%: growing) 68.86% 0.00% Compare
OPBK OP Bancorp $220.6M 7.3× 7.4× +9.43% (above 0%: growing) +15.56% (above 0%: growing) −100.94% (below 0%: shrinking) 58.93% 0.00% Compare
Median of peers $230.7M 12.7× 11.8× +8.99% +15.56% +39.22% 67.12% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 2 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 702.01k 629.60k 168.85
2024 669.46k 605.23k 100.91
2023 653.16k 599.85k 92.54

Ownership

Directors and executive officers, together 7.18%
The Ohio Valley Bank Company, Trustee for ESOP 7.13%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Ohio Valley Banc Corp. (OVBC) Latest News

30 Oct

Impact 3 · · Zacks

27 Oct

Impact 3 · · PR Newswire
Impact 3 · · Associated Press Finance
Impact 3 · · PR Newswire

27 Jul

Impact 3 ·

1 May

Impact 3 · · Zacks

28 Apr

Impact 4 · · Zacks
Impact 3 · · PR Newswire

30 Jan

Impact 4 · · Zacks

29 Jan

Impact 3 · · Simply Wall St.ZacksSimply Wall St.Associated Press FinanceSimply Wall St.Simply Wall St.Simply Wall St.

27 Jan

Impact 4 · · PR Newswire
Impact 3 · · Associated Press FinanceAssociated Press FinanceZacksAssociated Press FinanceAssociated Press FinanceMT NewswiresAssociated Press FinanceAssociated Press Finance

16 Jan

Impact 3 · · Zacks

13 Jan

Impact 3 · · PR Newswire

31 Dec

Impact 3 · · Zacks

16 Dec

Impact 4 · · Simply Wall St.

28 Oct

Impact 3 · · Simply Wall St.

12 Sep

Impact 3 · · Simply Wall St.

20 Aug

Impact 3 ·

16 Aug

Impact 3 · · Simply Wall St.

5 Aug

Impact 3 · · Simply Wall St.

25 Jul

Impact 4 · · PR Newswire
Impact 3 · · Associated Press Finance

1 Jul

Impact 4 ·

2 May

Impact 4 · · Insider Monkey

25 Apr

Impact 4 ·
Impact 3 · · PR Newswire
Impact 3 · · Associated Press Finance

19 Apr

Impact 3 · · Simply Wall St.

15 Apr

Impact 4 · · Zacks
stockrow.com/OVBC · Data as of Oct 25, 2026 · For information only; not investment advice. · © 2026 stockrow.com