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OVBCOhio Valley Banc Corp.
$43.61$205M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
OVBC logo

Ohio Valley Banc Corp.

OVBC
NASDAQ · Regional Banks
$43.61
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$205M
P/E13.2x
52W High$54.96
Volume21.53K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q1

NII Growth Faces Persistent Liquidity Reporting Uncertainty

Ohio Valley Banc Corp. demonstrates consistent net interest income growth, rising from $11.1 million in 2024Q1 to $14.9 million by 2026Q1, yet this performance is tempered by a stagnant net interest margin that has remained range-bound between 0.8% and 1.0%. W...

GrowthExpanding
ProfitabilityModerate
ValuationAttractive
TechnicalsWeak
Explore valuation models
MARKET ACTION

OVBC price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

0/12 Beats

EPS beat 0 of last 12 quarters

02

Valuation risk

-12% Peers

P/E is 12% below peer median

03

Market leadership

RS 62 · Avg

Average momentum (RS Rating: 62)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Oct 27

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
OVBC+12.17%
S&P 500 (^GSPC)+12.39%
1-Year Return
OVBC+17.29%
S&P 500 (^GSPC)+15.77%
3-Year Return
OVBC+92.56%
S&P 500 (^GSPC)+73.83%
5-Year Return
OVBC+75.63%
S&P 500 (^GSPC)+67.68%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
13.2x
Forward P/E
N/A
EV/EBITDA100th %ile
12.3x
FCF YieldCash Flow
8.3%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
13.2x
10.4x
100th· High
EV/EBITDA
12.3x
5.3x
100th· High
Price/FCF
12.1x
9.8x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$67M+7.6% YoY
Net income
$16M+41.8% YoY
Free cash flow
$17M+46.0% YoY
Operating margin
29.2%+7.6 pts YoY
ROIC (TTM)6.9%
Avg ROIC 5Y-
ROE (TTM)9.7%
Piotroski Score7 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 27, 2026
$0.62
vs —
$27M
vs —
Q2 2026
Apr 28, 2026
$0.91
vs —
$26M
vs —
Q2 2026
Mar 13, 2026
$0.84
vs —
$24M
vs —
Q1 2026
Jan 27, 2026
$0.84
vs —
$24M
vs —
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Zacks Investment Research·Sep 11, 2026
OVBC vs. LCNB: Which Community Bank Stock Is the Better Buy Right Now?

Ohio Valley Banc and LCNB differ in loan growth, funding, wealth management and valuation, but which community bank stock looks better positioned? Let's dive in.

Seeking Alpha·Aug 21, 2026
Ohio Valley Banc: I Expect Lower Loan Loss Provisions Going Forward

Ohio Valley Banc remains a 'buy' as prudent loan loss provisioning supports balance sheet integrity amid loan book expansion. Despite a 200%+ surge in loan loss provisions, OVBC's net interest income and non-interest income both grew, with EPS at $1.53 for H1. Loan book quality is stable: non-performing loans are 1.44%, past dues declined, and most exposures are real estate-backed.

PRNewsWire·Aug 19, 2026
OVBC announces extension of Stock Buyback Program

GALLIPOLIS, Ohio, Aug. 19, 2026 /PRNewswire/ -- Ohio Valley Banc Corp. [Nasdaq: OVBC] (the "Company") announced the Board of Directors has authorized the extension date of its existing stock buyback program to August 31, 2027. The program was originally approved by the board in 2021 and was set to expire August 31 of this year.

Zacks Investment Research·Jul 31, 2026
Ohio Valley Banc Stock Declines Post Q2 Earnings on Credit Costs

OVBC's second-quarter 2026 earnings face pressure from higher credit loss provisions despite stronger net interest income and continued loan growth.

Filtered for Ohio Valley Banc Corp.More Headlines
04

Compare before deciding

Benchmark OVBC against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Ohio Valley Banc Corp. (OVBC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
OVBC logoOVBCOhio Valley Banc Corp.Current
$43.61$205.45M13.187.65%23.38%9.73%2.09%
FXNC logoFXNCFirst National Corporation
$29.40$265.8M15.0033.46%18.47%11.57%—
CZWI logoCZWICitizens Community Bancorp, Inc.
$21.23$204.74M14.54-9.39%14.64%6.77%—
BSVN logoBSVNBank7 Corp.
$55.10$524.52M12.24-1.1%31.77%18.18%—
MVBF logoMVBFMVB Financial Corp.
$29.69$381.51M14.4134.4%17.71%11.57%—
CHMG logoCHMGChemung Financial Corporation
$81.22$391.47M25.95-1.92%24.21%12.98%—

Compare OVBC vs Peers

Ohio Valley Banc Corp. (OVBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FXNC

Most directly comparable listed peer for OVBC.

Scale Benchmark

vs ICE

Larger-name benchmark to compare OVBC against a more recognizable public peer.

Peer Set

Compare Top 5

vs FXNC, CZWI, BSVN, MVBF

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

OVBC SEC Filings & Documents

Ohio Valley Banc Corp. (OVBC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 19, 2026·SEC

Material company update

Jul 27, 2026·SEC

Material company update

Jul 14, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 13, 2026·SEC

FY 2025

Mar 14, 2025·SEC

FY 2024

Mar 15, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 13, 2026·SEC

FY 2026

May 15, 2026·SEC

FY 2025

Nov 14, 2025·SEC

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OVBC Frequently Asked Questions

Ohio Valley Banc Corp. (OVBC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Ohio Valley Banc Corp. growing?

Ohio Valley Banc Corp. (OVBC) grew revenue by 7.6% over the past year. This is steady growth.

Is OVBC profitable?

Yes, Ohio Valley Banc Corp. (OVBC) is profitable, generating $14.2M in net income for fiscal year 2025 (23.4% net margin).

Dividend & Returns
Does OVBC pay dividends?

Yes, Ohio Valley Banc Corp. (OVBC) pays a dividend with a yield of 2.09%. This makes it attractive for income-focused investors.

What is OVBC's return on equity?

Ohio Valley Banc Corp. (OVBC) has a return on equity (ROE) of 9.7%. This is below average, suggesting room for improvement.

Industry Metrics
What is Ohio Valley Banc Corp.'s net interest margin?

Ohio Valley Banc Corp. (OVBC) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.

What is Ohio Valley Banc Corp.'s efficiency ratio?

Ohio Valley Banc Corp. (OVBC) has an efficiency ratio of 66.3%. This is higher than peers, suggesting room for cost optimization.

What if you invested $1,000 in OVBC back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →