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. 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%
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
Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21 Dec '22 Dec '23 Dec '24 Dec '25
P/E ratio
17.14 25.41 13.99 19.05 11.03 12.10 9.61 8.31 10.44 12.08
Piotroski F-Score
4 6 6 5 5 7 8 5 6 7
P/S ratio
2.52 3.45 2.88 3.18 1.96 2.60 2.22 1.41 1.29 2.00
P/FCF ratio
9.93 13.38 10.11 1,686.33 11.77 11.26 8.90 5.75 9.81 3.73
P/Operating CF
33.31 22.22 34.12 (23.00) 22.77 27.76 22.30 15.93 47.98 24.15
P/B ratio
1.15 1.74 1.42 1.47 0.83 1.00 0.95 0.73 0.76 1.11
Price to Tangible BV
1.25 1.88 1.52 1.57 0.88 1.06 1.00 0.77 0.80 1.16
EV/Sales
2.60 2.91 2.48 3.01 0.19 0.33 1.88 0.40 0.90 2.08
EV/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EV/Operating CF
9.26 11.06 7.95 131.81 0.88 1.35 6.80 1.45 6.09 10.83
EV/FCF
10.25 11.26 8.72 1,598.25 1.15 1.42 7.54 1.65 6.83 3.88
Quick Ratio
0.05 0.09 0.08 0.06 0.14 0.14 0.04 0.11 0.07 0.03
Current Ratio
0.96 0.96 0.98 0.98 0.97 0.91 0.89 0.97 0.89 0.93
Net Debt/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt/Assets
4.78% 4.33% 4.68% 4.19% 3.06% 2.25% 2.18% 3.93% 3.21% 3.37%
Debt/Equity
0.44 0.41 0.41 0.33 0.27 0.20 0.20 0.37 0.32 0.31
Asset Turnover
0.05 0.06 0.06 0.06 0.05 0.04 0.05 0.06 0.06 0.06
Operating CF/Net income
1.93 1.93 1.52 1.49 1.22 1.12 1.20 1.64 1.19 1.16
Capex/Depreciation
(0.76) (0.14) (1.00) (3.34) (1.45) (0.25) (0.94) (2.13) (4.54) 89.65
ROE
7.10% 7.02% 10.51% 8.05% 7.76% 8.45% 9.65% 9.05% 7.47% 9.73%
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%
Return on Tangible Assets
(33.94%) (36.98%) (220.82%) (1,088.80%) (114.92%) (14.86%) (13.51%) (116.73%) (9.62%) (21.29%)
Average Days of Receivables
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Research and Development Expense of Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue
71.04% 66.98% 64.17% 65.95% 65.88% 65.37% 65.43% 56.54% 53.18% 48.76%
Intangible Assets out of Total Assets
0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.00 0.00
Share Based Compensation of Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Graham Net Nets
(0.66) (0.41) (0.41) (0.34) (0.60) (0.91) (1.14) (1.08) (1.86) (0.94)
Graham Number
29.50 28.99 37.68 35.47 37.03 40.37 42.23 42.41 40.70 51.88
Earnings Yield
5.84% 3.94% 7.15% 5.25% 9.07% 8.26% 10.41% 12.03% 9.58% 8.28%
Free Cash Flow Yield
10.07% 7.47% 9.89% 0.06% 8.50% 8.88% 11.24% 17.38% 10.20% 26.79%
Revenue per Share
10.93 11.77 12.30 12.48 12.03 11.42 12.12 15.60 18.77 20.00
Operating CF per Share
3.07 3.09 3.84 3.09 2.61 2.76 3.35 4.34 2.76 3.84
Capex per Share
(0.29) (0.06) (0.34) (1.14) (0.60) (0.13) (0.33) (0.52) (0.30) 6.87
Free Cash Flow per Share
2.78 3.04 3.50 1.95 2.01 2.63 3.02 3.83 2.47 10.71
Cash per Share
9.61 15.92 15.06 10.98 28.89 31.80 9.64 26.83 17.54 9.74
Shareholders Equity per Share
24.02 23.34 24.94 26.89 28.48 29.57 28.31 30.16 31.73 36.14
Interest Debt per Share
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Book value per Share
24.02 23.34 24.94 26.89 28.48 29.57 28.31 30.16 31.73 36.14
Free Cash Flow
12.09 14.24 16.55 9.32 9.60 12.59 14.42 18.28 11.69 50.45
Working Capital
(33.17) (33.58) (20.26) (20.13) (30.24) (99.67) (119.14) (32.27) (135.53) (93.79)
Capital Expenditures
(1.28) (0.26) (1.59) (5.44) (2.89) (0.60) (1.57) (2.47) (1.40) 32.36
Net Current Asset Value
(78.76) (78.03) (68.48) (63.67) (67.48) (128.98) (146.88) (113.26) (213.43) (176.52)
EV/EBIT
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capex to Sales
0.03 0.00 0.03 0.09 0.05 0.01 0.03 0.03 0.02 (0.34)
Price to Operating Income
12.29 14.62 11.78 16.12 9.18 10.11 8.05 6.92 8.57 9.68
Other line items
Depreciation/Fixed assets
0.13 0.14 0.11 0.08 0.09 0.12 0.08 0.05 0.01 0.02
Cash ROIC
6.30% 6.23% 6.97% 4.18% 3.09% 3.92% 6.95% 5.62% 4.15% 18.72%
Accounts Receivable Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accounts Payable Turnover
0.00 0.00 0.01 0.01 0.01 0.00 0.00 0.01 0.02 0.02
Inventory Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Days of Payables
95,471.54 78,667.74 56,488.20 41,271.43 58,587.42 104,586.76 132,168.45 25,975.79 17,264.73 17,653.44
Days of Inventory on Hand
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Payables
725.60 823.59 851.71 834.09 907.61 1,026.82 1,043.78 1,077.40 1,201.16 1,302.42
Average Assets
875.46 990.47 1,028.39 1,021.88 1,100.10 1,218.35 1,230.28 1,281.46 1,427.77 1,543.03
Average Common Equity
97.50 106.94 113.62 123.03 132.25 138.84 138.19 139.52 147.17 160.29

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