Ohio Valley Banc Corp. (OVBC) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
14.49
↑+167% vs avg
5yr avg: 5.43
30Y Low0.7·High30.5
P/FCF
↓
13.31
↑+39% vs avg
5yr avg: 9.55
30Y Low4.7·High40.1
P/B Ratio
↑
1.33
↑+46% vs avg
5yr avg: 0.91
30Y Low0.8·High3.6
ROE
↑
9.7%
↓+10% vs avg
5yr avg: 8.9%
30Y Low7%·High15%
Debt/EBITDA
↑
2.84
+11% vs avg
5yr avg: 2.56
30Y Low1.6·High14.6
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
OVBC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Ohio Valley Banc Corp. trades at 14.5x earnings, 38% above its 5-year average of 10.5x, sitting at the 57th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 7%. On a free-cash-flow basis, the stock trades at 13.3x P/FCF, 39% above the 5-year average of 9.5x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $227M | $188M | $115M | $110M | $126M | $142M | $113M | $189M | $167M | $189M | $118M |
| Enterprise Value | $282M | $244M | $81M | $36M | $106M | $17M | $9M | $178M | $142M | $157M | $122M |
| P/E Ratio → | 14.53 | 12.08 | 10.39 | 8.68 | 9.44 | 12.10 | 11.03 | 19.05 | 13.99 | 25.25 | 17.11 |
| P/S Ratio | 2.41 | 2.00 | 1.29 | 1.47 | 2.18 | 2.60 | 2.03 | 3.24 | 2.88 | 3.43 | 2.49 |
| P/B Ratio | 1.33 | 1.11 | 0.76 | 0.76 | 0.93 | 1.00 | 0.83 | 1.47 | 1.42 | 1.73 | 1.13 |
| P/FCF | 13.31 | 11.06 | 9.83 | 6.08 | 9.00 | 11.76 | 12.50 | 22.17 | 10.85 | 14.82 | 10.13 |
| P/OCF | 12.55 | 10.43 | 8.76 | 5.29 | 7.88 | 10.79 | 9.05 | 12.80 | 9.22 | 13.06 | 8.86 |
P/E links to full P/E history page with 30-year chart
OVBC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Ohio Valley Banc Corp.'s enterprise value stands at 14.5x EBITDA, 167% above its 5-year average of 5.4x. The Financial Services sector median is 11.4x, placing the stock at a 27% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.58 | 0.91 | 0.48 | 1.83 | 0.31 | 0.17 | 3.05 | 2.45 | 2.85 | 2.57 |
| EV / EBITDA | 14.49 | 12.52 | 5.35 | 2.14 | 6.05 | 1.07 | 0.68 | 13.49 | 9.16 | 11.66 | 12.08 |
| EV / EBIT | 14.49 | 12.52 | 6.04 | 2.37 | 6.65 | 1.19 | 0.77 | 15.16 | 10.02 | 13.12 | 13.81 |
| EV / FCF | — | 14.30 | 6.93 | 1.99 | 7.56 | 1.38 | 1.04 | 20.86 | 9.23 | 12.32 | 10.45 |
OVBC Profitability
Margins and return-on-capital ratios measuring operating efficiency
Ohio Valley Banc Corp. earns an operating margin of 20.6%, roughly in line with the Financial Services sector average. ROE of 9.7% is modest. ROIC of 6.9% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 67.6% | 67.6% | 66.9% | 75.9% | 95.1% | 94.0% | 83.5% | 85.8% | 88.8% | 88.1% | 87.7% |
| Operating Margin | 20.6% | 20.6% | 15.0% | 20.4% | 27.6% | 25.7% | 22.1% | 20.1% | 24.4% | 21.8% | 18.6% |
| Net Profit Margin | 16.6% | 16.6% | 12.4% | 17.0% | 23.1% | 21.5% | 18.4% | 17.0% | 20.5% | 13.6% | 14.5% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.7% | 9.7% | 7.5% | 9.1% | 9.7% | 8.5% | 7.8% | 8.1% | 10.5% | 7.0% | 7.1% |
| ROA | 1.0% | 1.0% | 0.8% | 1.0% | 1.1% | 1.0% | 0.9% | 1.0% | 1.2% | 0.8% | 0.8% |
| ROIC | 6.9% | 6.9% | 5.0% | 6.3% | 7.2% | 6.1% | 5.3% | 5.2% | 6.7% | 5.9% | 4.9% |
| ROCE | 2.1% | 2.1% | 5.9% | 7.4% | 8.5% | 7.7% | 7.1% | 6.9% | 8.9% | 7.9% | 6.5% |
OVBC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Ohio Valley Banc Corp. carries a Debt/EBITDA ratio of 2.8x, which is moderately leveraged (33% below the sector average of 4.3x). Net debt stands at $55M ($55M total debt minus $14845 cash). Interest coverage of just 0.7x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.32 | 0.32 | 0.33 | 0.38 | 0.21 | 0.21 | 0.27 | 0.34 | 0.41 | 0.41 | 0.44 |
| Debt / EBITDA | 2.84 | 2.84 | 3.26 | 3.23 | 1.58 | 1.88 | 2.69 | 3.30 | 3.10 | 3.29 | 4.51 |
| Net Debt / Equity | — | 0.32 | -0.23 | -0.51 | -0.15 | -0.88 | -0.76 | -0.09 | -0.21 | -0.29 | 0.04 |
| Net Debt / EBITDA | 2.84 | 2.84 | -2.24 | -4.39 | -1.15 | -8.00 | -7.48 | -0.85 | -1.61 | -2.37 | 0.37 |
| Debt / FCF | — | 3.24 | -2.90 | -4.09 | -1.44 | -10.38 | -11.45 | -1.31 | -1.62 | -2.50 | 0.32 |
| Interest Coverage | 0.71 | 0.71 | 0.50 | 0.96 | 5.61 | 3.79 | 1.99 | 1.61 | 2.60 | 3.02 | 2.93 |
OVBC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Ohio Valley Banc Corp.'s current ratio of 56092.09x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.26x to 56092.09x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 56092.09 | 56092.09 | 0.22 | 0.26 | 0.23 | 0.32 | 0.25 | 0.19 | 0.21 | 0.21 | 0.17 |
| Quick Ratio | 56092.09 | 56092.09 | 0.22 | 0.26 | 0.23 | 0.32 | 0.25 | 0.19 | 0.21 | 0.21 | 0.17 |
| Cash Ratio | 16.08 | 16.08 | 0.07 | 0.11 | 0.05 | 0.15 | 0.14 | 0.07 | 0.08 | 0.09 | 0.05 |
| Asset Turnover | — | 0.06 | 0.06 | 0.06 | 0.05 | 0.04 | 0.05 | 0.06 | 0.06 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
OVBC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Ohio Valley Banc Corp. returns 1.9% to shareholders annually primarily through dividends. The payout ratio of 27.5% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 6.9% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.9% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 27.5% | 27.5% | 38.0% | 38.6% | 35.4% | 34.2% | 39.2% | 40.4% | 33.2% | 52.4% | 51.8% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.9% | 8.3% | 9.6% | 11.5% | 10.6% | 8.3% | 9.1% | 5.2% | 7.1% | 4.0% | 5.8% |
| FCF Yield | 7.5% | 9.0% | 10.2% | 16.4% | 11.1% | 8.5% | 8.0% | 4.5% | 9.2% | 6.7% | 9.9% |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 1.9% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $4M |
Peer Comparison
Compare OVBC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 OVBCYou | $227M | 14.5 | 14.5 | 13.3 | 67.6% | 20.6% | 9.7% | 6.9% | 2.8 |
 FXNC | $265M | 15.0 | 6.7 | 12.6 | 74.0% | 19.6% | 10.0% | 7.7% | 1.9 |
 CZWI | $205M | 14.6 | 15.6 | 19.8 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 BSVN | $438M | 10.1 | 3.3 | 10.6 | 70.2% | 41.4% | 18.6% | 18.3% | — |
 MVBF | $355M | 13.4 | 5.1 | 168.0 | 71.7% | 13.6% | 8.4% | 7.0% | 2.1 |
 CHMG | $341M | 22.7 | 14.3 | 7.7 | 64.2% | 14.2% | 6.4% | 5.0% | 0.2 |
 HONE | $522M | 18.3 | 20.8 | 200.7 | 50.9% | 10.9% | 4.7% | 2.3% | 13.3 |
 CFFI | $255M | 9.5 | 10.8 | 11.5 | 69.5% | 17.8% | 11.0% | 6.8% | 3.5 |
 FBIZ | $503M | 10.0 | 12.1 | 8.2 | 57.3% | 21.6% | 14.4% | 7.0% | 4.3 |
 FIS | $20B | 50.9 | 6.4 | 7.0 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 JKHY | $9B | 20.2 | 11.7 | 15.5 | 42.7% | 23.9% | 21.4% | 21.0% | — |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 30 years · Updated daily
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OVBC — Frequently Asked Questions
Quick answers to the most common questions about buying OVBC stock.
What is Ohio Valley Banc Corp.'s P/E ratio?
Ohio Valley Banc Corp.'s current P/E ratio is 14.5x. The historical average is 17.0x. This places it at the 57th percentile of its historical range.
What is Ohio Valley Banc Corp.'s EV/EBITDA?
Ohio Valley Banc Corp.'s current EV/EBITDA is 14.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 13.1x.
What is Ohio Valley Banc Corp.'s ROE?
Ohio Valley Banc Corp.'s return on equity (ROE) is 9.7%. The historical average is 9.7%.
Is OVBC stock overvalued?
Based on historical data, Ohio Valley Banc Corp. is trading at a P/E of 14.5x. This is at the 57th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Ohio Valley Banc Corp.'s dividend yield?
Ohio Valley Banc Corp.'s current dividend yield is 1.89% with a payout ratio of 27.5%.
What are Ohio Valley Banc Corp.'s profit margins?
Ohio Valley Banc Corp. has 67.6% gross margin and 20.6% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Ohio Valley Banc Corp. have?
Ohio Valley Banc Corp.'s Debt/EBITDA ratio is 2.8x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.