Saturday 17 October 2026
Export OVBC’s income statement to Excel — free account
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%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
12.08 | 10.44 | 8.31 | 9.61 | 12.10 | 11.03 | 19.05 | 13.99 | 25.41 | 17.14 |
Piotroski F-Score |
7 | 6 | 5 | 8 | 7 | 5 | 5 | 6 | 6 | 4 |
P/S ratio |
2.00 | 1.29 | 1.41 | 2.22 | 2.60 | 1.96 | 3.18 | 2.88 | 3.45 | 2.52 |
P/FCF ratio |
3.73 | 9.81 | 5.75 | 8.90 | 11.26 | 11.77 | 1,686.33 | 10.11 | 13.38 | 9.93 |
P/Operating CF |
24.15 | 47.98 | 15.93 | 22.30 | 27.76 | 22.77 | (23.00) | 34.12 | 22.22 | 33.31 |
P/B ratio |
1.11 | 0.76 | 0.73 | 0.95 | 1.00 | 0.83 | 1.47 | 1.42 | 1.74 | 1.15 |
Price to Tangible BV |
1.16 | 0.80 | 0.77 | 1.00 | 1.06 | 0.88 | 1.57 | 1.52 | 1.88 | 1.25 |
EV/Sales |
2.08 | 0.90 | 0.40 | 1.88 | 0.33 | 0.19 | 3.01 | 2.48 | 2.91 | 2.60 |
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 |
10.83 | 6.09 | 1.45 | 6.80 | 1.35 | 0.88 | 131.81 | 7.95 | 11.06 | 9.26 |
EV/FCF |
3.88 | 6.83 | 1.65 | 7.54 | 1.42 | 1.15 | 1,598.25 | 8.72 | 11.26 | 10.25 |
Quick Ratio |
0.03 | 0.07 | 0.11 | 0.04 | 0.14 | 0.14 | 0.06 | 0.08 | 0.09 | 0.05 |
Current Ratio |
0.93 | 0.89 | 0.97 | 0.89 | 0.91 | 0.97 | 0.98 | 0.98 | 0.96 | 0.96 |
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 |
3.37% | 3.21% | 3.93% | 2.18% | 2.25% | 3.06% | 4.19% | 4.68% | 4.33% | 4.78% |
Debt/Equity |
0.31 | 0.32 | 0.37 | 0.20 | 0.20 | 0.27 | 0.33 | 0.41 | 0.41 | 0.44 |
Asset Turnover |
0.06 | 0.06 | 0.06 | 0.05 | 0.04 | 0.05 | 0.06 | 0.06 | 0.06 | 0.05 |
Operating CF/Net income |
1.16 | 1.19 | 1.64 | 1.20 | 1.12 | 1.22 | 1.49 | 1.52 | 1.93 | 1.93 |
Capex/Depreciation |
89.65 | (4.54) | (2.13) | (0.94) | (0.25) | (1.45) | (3.34) | (1.00) | (0.14) | (0.76) |
| 9.73% | 7.47% | 9.05% | 9.65% | 8.45% | 7.76% | 8.05% | 10.51% | 7.02% | 7.10% | |
| 1.01% | 0.77% | 0.99% | 1.08% | 0.96% | 0.93% | 0.97% | 1.16% | 0.76% | 0.79% | |
ROIC |
6.84% | 7.24% | 13.77% | 8.62% | 50.24% | 22.37% | 6.19% | 9.35% | 10.28% | 5.64% |
Return on Tangible Assets |
(21.29%) | (9.62%) | (116.73%) | (13.51%) | (14.86%) | (114.92%) | (1,088.80%) | (220.82%) | (36.98%) | (33.94%) |
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 |
48.76% | 53.18% | 56.54% | 65.43% | 65.37% | 65.88% | 65.95% | 64.17% | 66.98% | 71.04% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
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 |
(0.94) | (1.86) | (1.08) | (1.14) | (0.91) | (0.60) | (0.34) | (0.41) | (0.41) | (0.66) |
Graham Number |
51.88 | 40.70 | 42.41 | 42.23 | 40.37 | 37.03 | 35.47 | 37.68 | 28.99 | 29.50 |
Earnings Yield |
8.28% | 9.58% | 12.03% | 10.41% | 8.26% | 9.07% | 5.25% | 7.15% | 3.94% | 5.84% |
Free Cash Flow Yield |
26.79% | 10.20% | 17.38% | 11.24% | 8.88% | 8.50% | 0.06% | 9.89% | 7.47% | 10.07% |
Revenue per Share |
20.00 | 18.77 | 15.60 | 12.12 | 11.42 | 12.03 | 12.48 | 12.30 | 11.77 | 10.93 |
Operating CF per Share |
3.84 | 2.76 | 4.34 | 3.35 | 2.76 | 2.61 | 3.09 | 3.84 | 3.09 | 3.07 |
Capex per Share |
6.87 | (0.30) | (0.52) | (0.33) | (0.13) | (0.60) | (1.14) | (0.34) | (0.06) | (0.29) |
Free Cash Flow per Share |
10.71 | 2.47 | 3.83 | 3.02 | 2.63 | 2.01 | 1.95 | 3.50 | 3.04 | 2.78 |
Cash per Share |
9.74 | 17.54 | 26.83 | 9.64 | 31.80 | 28.89 | 10.98 | 15.06 | 15.92 | 9.61 |
Shareholders Equity per Share |
36.14 | 31.73 | 30.16 | 28.31 | 29.57 | 28.48 | 26.89 | 24.94 | 23.34 | 24.02 |
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 |
36.14 | 31.73 | 30.16 | 28.31 | 29.57 | 28.48 | 26.89 | 24.94 | 23.34 | 24.02 |
Free Cash Flow |
50.45 | 11.69 | 18.28 | 14.42 | 12.59 | 9.60 | 9.32 | 16.55 | 14.24 | 12.09 |
Working Capital |
(93.79) | (135.53) | (32.27) | (119.14) | (99.67) | (30.24) | (20.13) | (20.26) | (33.58) | (33.17) |
Capital Expenditures |
32.36 | (1.40) | (2.47) | (1.57) | (0.60) | (2.89) | (5.44) | (1.59) | (0.26) | (1.28) |
Net Current Asset Value |
(176.52) | (213.43) | (113.26) | (146.88) | (128.98) | (67.48) | (63.67) | (68.48) | (78.03) | (78.76) |
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 |
(0.34) | 0.02 | 0.03 | 0.03 | 0.01 | 0.05 | 0.09 | 0.03 | 0.00 | 0.03 |
Price to Operating Income |
9.68 | 8.57 | 6.92 | 8.05 | 10.11 | 9.18 | 16.12 | 11.78 | 14.62 | 12.29 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.02 | 0.01 | 0.05 | 0.08 | 0.12 | 0.09 | 0.08 | 0.11 | 0.14 | 0.13 |
Cash ROIC |
18.72% | 4.15% | 5.62% | 6.95% | 3.92% | 3.09% | 4.18% | 6.97% | 6.23% | 6.30% |
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 |
0.02 | 0.02 | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 |
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 |
17,653.44 | 17,264.73 | 25,975.79 | 132,168.45 | 104,586.76 | 58,587.42 | 41,271.43 | 56,488.20 | 78,667.74 | 95,471.54 |
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 |
1,302.42 | 1,201.16 | 1,077.40 | 1,043.78 | 1,026.82 | 907.61 | 834.09 | 851.71 | 823.59 | 725.60 |
Average Assets |
1,543.03 | 1,427.77 | 1,281.46 | 1,230.28 | 1,218.35 | 1,100.10 | 1,021.88 | 1,028.39 | 990.47 | 875.46 |
Average Common Equity |
160.29 | 147.17 | 139.52 | 138.19 | 138.84 | 132.25 | 123.03 | 113.62 | 106.94 | 97.50 |
Columns are period end dates