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 '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)
ROE
9.73% 7.47% 9.05% 9.65% 8.45% 7.76% 8.05% 10.51% 7.02% 7.10%
ROA
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

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