Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Ohio Valley Banc Corp.'s quarterly P/E stands at 11.9x, up 4.2% year-over-year. EV/EBITDA has expanded 192.9% YoY to 12.2x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.38 | 11.90 | 14.45 | 9.05 | 6.93 | 11.42 | 10.45 | 7.94 | 10.54 | 8.46 | 12.90 | 9.10 | 7.14 |
| — | +4.2% | +38.3% | +14.1% | -34.3% | +35.1% | -19.0% | -12.7% | +47.7% | -5.3% | +42.8% | -49.4% | -17.5% | |
| P/S Ratio | 2.38 | 2.00 | 1.87 | 1.59 | 1.32 | 1.19 | 1.28 | 1.11 | 1.37 | 1.33 | 1.56 | 1.67 | 1.59 |
| — | +67.7% | +45.8% | +43.2% | -3.8% | -10.2% | -18.0% | -33.4% | -14.0% | -39.4% | -28.6% | -35.9% | -36.2% | |
| P/B Ratio | 1.32 | 1.11 | 1.06 | 0.94 | 0.79 | 0.76 | 0.75 | 0.65 | 0.80 | 0.76 | 0.85 | 0.86 | 0.81 |
| — | +45.8% | +41.2% | +45.2% | -1.3% | -0.5% | -11.3% | -24.0% | -1.2% | -18.3% | -18.0% | -21.2% | -22.6% | |
| P/FCF | 13.17 | 6.24 | 8.76 | 8.69 | 223.54 | 13.22 | 5.27 | 6.14 | 125.01 | 4.66 | 5.35 | 9.98 | 7.36 |
| — | -52.8% | +66.2% | +41.4% | +78.8% | +183.9% | -1.5% | -38.5% | +1598.2% | -19.7% | -29.0% | -50.1% | -51.5% | |
| EV / EBITDA | 14.36 | 12.25 | 8.71 | 6.93 | 2.28 | 4.18 | 6.25 | 2.68 | 3.01 | 2.30 | 7.47 | 6.28 | 2.55 |
| — | +192.9% | +39.2% | +159.1% | -24.1% | +81.8% | -16.3% | -57.4% | +18.1% | -64.9% | +195.2% | -22.0% | +739.3% | |
| EV / EBIT | 14.36 | 12.25 | 8.71 | 6.93 | 2.28 | 6.54 | 6.26 | 2.68 | 3.01 | 2.30 | 7.48 | 6.29 | 2.55 |
| — | +87.4% | +39.2% | +158.8% | -24.2% | +184.0% | -16.4% | -57.4% | +18.0% | -64.9% | +195.2% | -22.2% | +738.9% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Ohio Valley Banc Corp.'s operating margin was 21.1% in Q4 2025, up 5.0 pp QoQ and up 8.3 pp YoY.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 67.6% | 67.1% | 65.4% | 68.0% | 69.8% | 68.4% | 65.2% | 67.8% | 66.1% | 68.6% | 70.6% | 80.7% | 85.4% |
| — | -1.9% | +0.3% | +0.2% | +5.6% | -0.3% | -7.6% | -15.9% | -22.6% | -23.5% | -28.0% | -9.7% | -17.2% | |
| Operating Margin | 20.6% | 21.1% | 16.1% | 21.7% | 23.7% | 12.8% | 14.8% | 17.0% | 15.9% | 18.9% | 14.5% | 21.9% | 26.9% |
| — | +64.5% | +8.6% | +28.1% | +49.2% | -32.1% | +2.3% | -22.7% | -41.0% | -32.8% | -51.2% | +29.1% | -23.3% | |
| Net Margin | 16.6% | 16.8% | 13.0% | 17.6% | 18.8% | 10.5% | 12.2% | 13.9% | 13.1% | 15.6% | 12.2% | 18.3% | 22.3% |
| — | +59.7% | +6.5% | +26.6% | +43.9% | -32.5% | +0.4% | -24.0% | -41.3% | -36.4% | -50.1% | +27.0% | -22.4% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.7% | 2.4% | 1.9% | 2.7% | 2.9% | 1.7% | 1.8% | 2.0% | 1.9% | 2.3% | 1.6% | 2.4% | 2.9% |
| — | +42.1% | +2.1% | +30.5% | +49.4% | -27.6% | +11.4% | -13.5% | -32.8% | -14.1% | -42.0% | +58.7% | -3.4% | |
| ROA | 1.0% | 0.3% | 0.2% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% |
| — | +49.5% | +4.8% | +30.1% | +42.5% | -30.6% | +7.9% | -16.3% | -35.0% | -15.5% | -41.0% | +60.7% | -4.1% | |
| ROIC | 6.9% | 1.7% | 1.3% | 1.9% | 2.1% | 1.1% | 1.2% | 1.4% | 1.3% | 1.5% | 1.1% | 1.7% | 2.2% |
| — | +49.7% | +8.9% | +38.1% | +61.1% | -23.7% | +12.9% | -20.2% | -40.8% | -21.0% | -48.5% | +58.7% | -3.9% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Ohio Valley Banc Corp.'s Debt/EBITDA ratio is 11.1x, down from 12.2x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 132126.6% YoY to 297.10x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.32 | 0.32 | 0.28 | 0.29 | 0.31 | 0.33 | 0.33 | 0.35 | 0.36 | 0.38 | 0.41 | 0.27 | 0.20 |
| — | -1.1% | -16.6% | -18.2% | -15.2% | -13.1% | -18.3% | +33.4% | +84.4% | +83.5% | +88.0% | +25.4% | -5.9% | |
| Debt / EBITDA | 2.84 | 11.11 | 12.15 | 8.99 | 8.63 | 10.27 | 15.31 | 14.26 | 15.58 | 13.89 | 20.69 | 9.43 | 5.72 |
| — | +8.1% | -20.6% | -37.0% | -44.6% | -26.1% | -26.0% | +51.3% | +172.4% | +102.7% | +235.4% | -20.7% | +1.2% | |
| Current Ratio | 56092.09 | 297.10 | 0.23 | 0.21 | 0.26 | 0.22 | 0.28 | 0.23 | 0.26 | 0.26 | 0.24 | 0.22 | 0.25 |
| — | +132126.6% | -19.0% | -9.3% | -0.8% | -13.9% | +18.9% | +6.9% | +1.7% | +14.0% | -15.2% | -20.0% | -22.8% | |
| Quick Ratio | 56092.09 | 297.10 | 0.23 | 0.21 | 0.26 | 0.22 | 0.28 | 0.23 | 0.26 | 0.26 | 0.24 | 0.22 | 0.25 |
| — | +132126.6% | -19.0% | -9.3% | -0.8% | -13.9% | +18.9% | +6.9% | +1.7% | +14.0% | -15.2% | -20.0% | -22.8% | |
| Interest Coverage | 0.71 | 0.67 | 0.54 | 0.80 | 0.83 | 0.44 | 0.48 | 0.54 | 0.52 | 0.67 | 0.59 | 1.14 | 2.28 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying OVBC stock.
Ohio Valley Banc Corp.'s current P/E is 14.4x. The average P/E over the last 4 quarters is 10.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Ohio Valley Banc Corp.'s current operating margin is 20.6%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Ohio Valley Banc Corp.'s business trajectory between earnings reports.