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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%
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.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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. $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.

Source: company filings (standardised) and stockrow calculations.

Ohio Valley Banc Corp. (OVBC) Latest News

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stockrow.com/OVBC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com