OVBC
Ohio Valley Banc Corp.
Price Chart
Latest Quote
$47.59
-0.52 (-1.08%)
Current Price
| Previous Close | $48.11 |
| Open | $48.28 |
| Day High | $48.70 |
| Day Low | $47.50 |
| Volume | 24,584 |
Stock Information
| Quarterly Dividend / Yield | $1.00 / 2.10% |
| Shares Outstanding | 4.71M |
| Quarterly Dividend Yield | 2.10% |
| Quarterly Dividend | $1.00 |
| Total Debt | $52.91M |
| Cash Equivalents | $125.33M |
| Revenue | $63.84M |
| Net Income | $15.49M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $224.20M |
| P/E Ratio | 14.51 |
| EPS (TTM) | $3.28 |
| Exchange | NGM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $151.77M |
| Sales | $63.84M |
| Income | $15.49M |
| Book/sh | $36.36 |
| Cash/sh | $26.60 |
| Employees | 269 |
Financial Ratios
| EPS Growth TTM | -2.50% |
Returns & Margins
| ROA | 0.97% |
| ROE | 9.47% |
| Operating Margin | 33.19% |
| Profit Margin | 24.26% |
Ownership
| Insider Ownership | 20.42% |
| Institutional Ownership | 29.89% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 3.51 |
| P/B | 1.31 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $48.28 |
| SMA50 | $46.65 |
| SMA200 | $41.05 |
| RSI | 50.97 |
| ATR | 1.9971 |
| Shares Float | 3.35M |
| Short Float | 0.95% |
| Short Ratio | 1.52 |
| Volatility | 0.01 |
| Rel Volume | 0.51 |
Performance History
| Week | -5.07% |
| Month | +1.99% |
| Quarter | +17.77% |
| 6 Months | +15.97% |
| YTD | +21.72% |
| Year | +67.48% |
| 3 Years | +113.68% |
| 5 Years | +140.12% |
| 10 Years | +194.87% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-22 | $47.59 | 24,700 |
| 2026-06-18 | $48.11 | 43,900 |
| 2026-06-17 | $47.85 | 23,300 |
| 2026-06-16 | $48.21 | 25,700 |
| 2026-06-15 | $47.99 | 30,700 |
| 2026-06-12 | $50.13 | 46,000 |
| 2026-06-11 | $49.15 | 44,000 |
| 2026-06-10 | $49.06 | 51,800 |
| 2026-06-09 | $48.53 | 22,200 |
| 2026-06-08 | $48.36 | 85,400 |
| 2026-06-05 | $48.15 | 39,600 |
| 2026-06-04 | $48.21 | 54,200 |
| 2026-06-03 | $46.85 | 30,300 |
| 2026-06-02 | $48.33 | 39,900 |
| 2026-06-01 | $47.41 | 26,900 |
| 2026-05-29 | $48.05 | 26,800 |
| 2026-05-28 | $49.21 | 96,600 |
| 2026-05-27 | $49.17 | 165,000 |
| 2026-05-26 | $47.96 | 55,300 |
About Ohio Valley Banc Corp.
Ohio Valley Banc Corp. operates as the bank holding company for The Ohio Valley Bank Company that provides commercial and retail banking products and services. It accepts various deposit products, including checking, savings, time, and money market accounts, as well as individual retirement accounts, demand deposits, NOW accounts, and certificates of deposit. The company provides various residential real estate loans, including one-to four-family residential mortgages; commercial loans for securing equipment, inventory, stock, commercial real estate, and rental property; and consumer loans secured by automobiles, mobile homes, recreational vehicles, and other personal property, as well as personal loans, unsecured credit card receivables, floor plan and student loans, and construction loans. In addition, it offers safe deposit box, wire transfer, credit card, home equity loans, and Internet banking services; and financial management online services, such as cash management and news updates related to repossession auctions, current rates, and general bank news. The company owns and operates ATMs, including off-site ATMs. It operates offices in Ohio and West Virginia. The company was founded in 1872 and is based in Gallipolis, Ohio.
đ° Latest News
The Zacks Analyst Blog Highlights Amazon.com, Bank of America, Roche, Oak Valley Bancorp and Ohio Valley Banc
Zacks âĸ 2026-06-09T11:28:00Z
Top Stock Reports for Amazon, Bank of America & Roche
Zacks âĸ 2026-06-08T20:22:00Z
Ohio Valley Banc Stock Slips Post Q1 Earnings, Credit Costs Rise
Zacks âĸ 2026-05-01T13:25:00Z
OVBC vs. FFBC: Which Ohio Regional Bank Stock Is the Better Buy Now?
Zacks âĸ 2026-04-21T14:58:00Z
Top Analyst Reports for Eli Lilly, RTX & Abbott
Zacks âĸ 2026-03-24T14:38:00Z
The Zacks Analyst Blog Highlights Eli Lilly, RTX, Abbott Laboratories, Ohio Valley Banc and Rave Restaurant
Zacks âĸ 2026-03-24T13:45:00Z
OVBC Stock Up Post Q4 Earnings on Strong Loan Growth, Margin Expansion
Zacks âĸ 2026-01-30T16:50:00Z
Does Ohio Valley Banc (NASDAQ:OVBC) Deserve A Spot On Your Watchlist?
Simply Wall St. âĸ 2026-01-29T10:40:10Z
Ohio Valley Banc: Q4 Earnings Snapshot
Associated Press Finance âĸ 2026-01-27T18:54:14ZOhio Valley Banc Gains 16.5% in 6 Months: How to Play the Stock?
Zacks âĸ 2026-01-16T16:30:00Z
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $66,715,000 | $61,975,000 | $58,656,000 | $54,940,000 |
| Operating Revenue | $66,715,000 | $61,975,000 | $58,656,000 | $54,940,000 |
| Expenses | ||||
| Interest Expense | $27,492,000 | $26,959,000 | $15,838,000 | $2,838,000 |
| Selling And Marketing Expense | $1,205,000 | $820,000 | $1,010,000 | $1,428,000 |
| General And Administrative Expense | $25,607,000 | $28,430,000 | $23,960,000 | $21,950,000 |
| Professional Expense And Contract Services Expense | $1,803,000 | $1,873,000 | $1,656,000 | $1,609,000 |
| Other Non Interest Expense | $12,249,000 | $11,769,000 | $11,497,000 | $10,938,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $15,601,000 | $10,999,000 | $12,631,000 | $13,338,000 |
| Net Interest Income | $57,373,000 | $48,420,000 | $45,703,000 | $44,462,000 |
| Interest Income | $84,865,000 | $75,379,000 | $61,541,000 | $47,300,000 |
| Normalized Income | $15,601,000 | $10,999,000 | $12,631,000 | $13,338,000 |
| Net Income From Continuing And Discontinued Operation | $15,601,000 | $10,999,000 | $12,631,000 | $13,338,000 |
| Net Income Common Stockholders | $15,601,000 | $10,999,000 | $12,631,000 | $13,338,000 |
| Net Income | $15,601,000 | $10,999,000 | $12,631,000 | $13,338,000 |
| Net Income Including Noncontrolling Interests | $15,601,000 | $10,999,000 | $12,631,000 | $13,338,000 |
| Net Income Continuous Operations | $15,601,000 | $10,999,000 | $12,631,000 | $13,338,000 |
| Pretax Income | $19,452,000 | $13,376,000 | $15,198,000 | $15,932,000 |
| Depreciation Amortization Depletion Income Statement | - | $8,000 | $21,000 | $35,000 |
| Depreciation And Amortization In Income Statement | - | $8,000 | $21,000 | $35,000 |
| Amortization Of Intangibles Income Statement | - | $8,000 | $21,000 | $35,000 |
| Special Income Charges | - | - | - | - |
| Per Share | ||||
| Diluted EPS | $3.31 | $2.32 | $2.65 | $2.80 |
| Basic EPS | $3.31 | $2.32 | $2.65 | $2.80 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $1,704,000 | $1,736,000 | $1,636,000 | $1,570,000 |
| Diluted Average Shares | $4,711,001 | $4,736,820 | $4,774,607 | $4,769,135 |
| Basic Average Shares | $4,711,001 | $4,736,820 | $4,774,607 | $4,769,135 |
| Diluted NI Availto Com Stockholders | $15,601,000 | $10,999,000 | $12,631,000 | $13,338,000 |
| Tax Provision | $3,851,000 | $2,377,000 | $2,567,000 | $2,594,000 |
| Gain On Sale Of Security | $-3,747,000 | $0 | $0 | $-1,537,000 |
| Selling General And Administration | $26,812,000 | $29,250,000 | $24,970,000 | $23,378,000 |
| Insurance And Claims | $698,000 | $648,000 | $569,000 | $335,000 |
| Salaries And Wages | $24,909,000 | $27,782,000 | $23,391,000 | $21,615,000 |
| Occupancy And Equipment | $3,345,000 | $3,238,000 | $3,224,000 | $3,080,000 |
| Amortization | - | $8,000 | $21,000 | $35,000 |
| Other Gand A | - | - | - | $2,197,000 |
| Total Unusual Items | - | - | - | - |
| Total Unusual Items Excluding Goodwill | - | - | - | - |
Fetched: 2026-06-18
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $162,938,000 | $143,009,000 | $136,680,000 | $127,680,000 |
| Total Assets | $1,582,654,000 | $1,503,412,000 | $1,352,135,000 | $1,210,787,000 |
| Goodwill And Other Intangible Assets | $7,319,000 | $7,319,000 | $7,327,000 | $7,348,000 |
| Receivables | $5,476,000 | $4,805,000 | $3,606,000 | $3,112,000 |
| Accounts Receivable | $5,476,000 | $4,805,000 | $3,606,000 | $3,112,000 |
| Cash And Cash Equivalents | $45,897,000 | $83,107,000 | $128,126,000 | $47,852,000 |
| Cash Financial | $14,845,000 | $15,704,000 | $14,252,000 | $14,330,000 |
| Cash Cash Equivalents And Federal Funds Sold | $51,155,000 | $88,114,000 | $133,163,000 | $53,805,000 |
| Other Intangible Assets | - | - | $8,000 | $29,000 |
| Debt | ||||
| Net Debt | $7,451,000 | - | - | - |
| Total Debt | $54,271,000 | $49,264,000 | $54,298,000 | $27,739,000 |
| Long Term Debt And Capital Lease Obligation | $54,271,000 | $49,264,000 | $54,298,000 | $27,739,000 |
| Long Term Debt | $53,348,000 | $48,240,000 | $53,093,000 | $26,445,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,412,397,000 | $1,353,084,000 | $1,208,128,000 | $1,075,759,000 |
| Equity | ||||
| Common Stock Equity | $170,257,000 | $150,328,000 | $144,007,000 | $135,028,000 |
| Total Equity Gross Minority Interest | $170,257,000 | $150,328,000 | $144,007,000 | $135,028,000 |
| Gains Losses Not Affecting Retained Earnings | $-1,869,000 | $-10,484,000 | $-11,428,000 | $-14,813,000 |
| Other Equity Adjustments | $-1,869,000 | $-10,484,000 | $-11,428,000 | $-14,813,000 |
| Retained Earnings | $133,007,000 | $121,693,000 | $114,871,000 | $109,320,000 |
| Other | ||||
| Treasury Shares Number | $779,994 | $779,994 | $697,321 | $693,933 |
| Ordinary Shares Number | $4,711,001 | $4,711,001 | $4,773,132 | $4,771,774 |
| Share Issued | $5,490,995 | $5,490,995 | $5,470,453 | $5,465,707 |
| Tangible Book Value | $162,938,000 | $143,009,000 | $136,680,000 | $127,680,000 |
| Invested Capital | $223,605,000 | $198,568,000 | $197,100,000 | $161,473,000 |
| Capital Lease Obligations | $923,000 | $1,024,000 | $1,205,000 | $1,294,000 |
| Total Capitalization | $223,605,000 | $198,568,000 | $197,100,000 | $161,473,000 |
| Treasury Stock | $18,693,000 | $18,693,000 | $16,748,000 | $16,666,000 |
| Additional Paid In Capital | $52,321,000 | $52,321,000 | $51,842,000 | $51,722,000 |
| Capital Stock | $5,491,000 | $5,491,000 | $5,470,000 | $5,465,000 |
| Common Stock | $5,491,000 | $5,491,000 | $5,470,000 | $5,465,000 |
| Long Term Capital Lease Obligation | $923,000 | $1,024,000 | $1,205,000 | $1,294,000 |
| Long Term Provisions | $871,000 | $582,000 | $692,000 | - |
| Investments And Advances | $259,359,000 | $275,169,000 | $170,244,000 | $193,300,000 |
| Held To Maturity Securities | $4,820,000 | $7,049,000 | $7,986,000 | $9,226,000 |
| Available For Sale Securities | $46,095,000 | $70,844,000 | - | - |
| Goodwill | $7,319,000 | $7,319,000 | $7,319,000 | $7,319,000 |
| Net PPE | $21,432,000 | $22,253,000 | $22,655,000 | $21,730,000 |
| Accumulated Depreciation | $-20,928,000 | $-19,357,000 | $-17,677,000 | $-16,495,000 |
| Gross PPE | $42,360,000 | $41,610,000 | $40,332,000 | $38,225,000 |
| Leases | $1,604,000 | $1,583,000 | $1,555,000 | $1,509,000 |
| Other Properties | $923,000 | $1,024,000 | $1,205,000 | $1,294,000 |
| Machinery Furniture Equipment | $12,650,000 | $11,785,000 | $11,137,000 | $10,410,000 |
| Buildings And Improvements | $24,538,000 | $24,573,000 | $23,867,000 | $22,526,000 |
| Land And Improvements | $2,645,000 | $2,645,000 | $2,568,000 | $2,486,000 |
| Other Short Term Investments | $208,444,000 | $268,120,000 | $162,258,000 | $184,074,000 |
Fetched: 2026-06-18
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $17,048,000 | $11,664,000 | $18,058,000 | $14,002,000 |
| Operating Activities | ||||
| Operating Cash Flow | $18,085,000 | $13,097,000 | $20,747,000 | $15,990,000 |
| Cash Flow From Continuing Operating Activities | $18,085,000 | $13,097,000 | $20,747,000 | $15,990,000 |
| Operating Gains Losses | $3,518,000 | $-215,000 | $-205,000 | $769,000 |
| Investing Activities | ||||
| Capital Expenditure | $-1,037,000 | $-1,433,000 | $-2,689,000 | $-1,988,000 |
| Investing Cash Flow | $-110,605,000 | $-195,183,000 | $-59,787,000 | $-83,392,000 |
| Cash Flow From Continuing Investing Activities | $-110,605,000 | $-195,183,000 | $-59,787,000 | $-83,392,000 |
| Net Other Investing Changes | $-522,000 | $-496,000 | $710,000 | $49,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $0 | $-1,945,000 | $-82,000 | $0 |
| Financing Cash Flow | $55,310,000 | $137,067,000 | $121,176,000 | $-38,642,000 |
| Cash Flow From Continuing Financing Activities | $55,310,000 | $137,067,000 | $121,176,000 | $-38,642,000 |
| Cash Dividends Paid | $-4,287,000 | $-4,177,000 | $-4,871,000 | $-4,720,000 |
| Common Stock Dividend Paid | $-4,287,000 | $-4,177,000 | $-4,871,000 | $-4,720,000 |
| Net Common Stock Issuance | $0 | $-1,945,000 | $-82,000 | $0 |
| Other | ||||
| Repayment Of Debt | $-4,992,000 | $-4,962,000 | $-3,371,000 | $-1,909,000 |
| Issuance Of Debt | $10,000,000 | $2,000 | $30,001,000 | $2,000 |
| Interest Paid Supplemental Data | $26,142,000 | $28,322,000 | $9,674,000 | $2,845,000 |
| Income Tax Paid Supplemental Data | $4,669,000 | $3,585,000 | $2,750,000 | $1,975,000 |
| End Cash Position | $45,897,000 | $83,107,000 | $128,126,000 | $45,990,000 |
| Beginning Cash Position | $83,107,000 | $128,126,000 | $45,990,000 | $152,034,000 |
| Changes In Cash | $-37,210,000 | $-45,019,000 | $82,136,000 | $-106,044,000 |
| Common Stock Payments | $0 | $-1,945,000 | $-82,000 | $0 |
| Net Issuance Payments Of Debt | $5,108,000 | $-4,853,000 | $26,648,000 | $-1,669,000 |
| Net Short Term Debt Issuance | $100,000 | $107,000 | $18,000 | $238,000 |
| Net Long Term Debt Issuance | $5,008,000 | $-4,960,000 | $26,630,000 | $-1,907,000 |
| Long Term Debt Payments | $-4,992,000 | $-4,962,000 | $-3,371,000 | $-1,909,000 |
| Long Term Debt Issuance | $10,000,000 | $2,000 | $30,001,000 | $2,000 |
| Net Investment Purchase And Sale | $24,460,000 | $-102,286,000 | $27,599,000 | $-27,290,000 |
| Sale Of Investment | $167,745,000 | $35,660,000 | $28,185,000 | $39,531,000 |
| Purchase Of Investment | $-143,285,000 | $-137,946,000 | $-586,000 | $-66,821,000 |
| Net PPE Purchase And Sale | $-837,000 | $-1,404,000 | $-2,470,000 | $-1,568,000 |
| Sale Of PPE | $200,000 | $29,000 | $219,000 | $420,000 |
| Purchase Of PPE | $-1,037,000 | $-1,433,000 | $-2,689,000 | $-1,988,000 |
| Change In Working Capital | $-990,000 | $1,153,000 | $6,550,000 | $-485,000 |
| Change In Other Current Liabilities | $-561,000 | $1,891,000 | $5,567,000 | $1,223,000 |
| Change In Other Current Assets | $242,000 | $461,000 | $1,477,000 | $-1,291,000 |
| Change In Receivables | $-671,000 | $-1,199,000 | $-494,000 | $-417,000 |
| Changes In Account Receivables | $-671,000 | $-1,199,000 | $-494,000 | $-417,000 |
| Other Non Cash Items | $-970,000 | $-938,000 | $-864,000 | $-155,000 |
| Stock Based Compensation | $0 | $500,000 | $125,000 | $575,000 |
| Amortization Of Securities | $-1,343,000 | $-1,427,000 | $-478,000 | $100,000 |
| Deferred Tax | $-841,000 | $-1,180,000 | $-745,000 | $288,000 |
| Deferred Income Tax | $-841,000 | $-1,180,000 | $-745,000 | $288,000 |
| Depreciation Amortization Depletion | $1,704,000 | $1,736,000 | $1,636,000 | $1,570,000 |
| Depreciation And Amortization | $1,704,000 | $1,736,000 | $1,636,000 | $1,570,000 |
| Amortization Cash Flow | $47,000 | $60,000 | $74,000 | $106,000 |
| Amortization Of Intangibles | $47,000 | $60,000 | $74,000 | $106,000 |
| Depreciation | $1,657,000 | $1,676,000 | $1,562,000 | $1,464,000 |
| Gain Loss On Investment Securities | $3,747,000 | $0 | $23,000 | $1,537,000 |
| Net Income From Continuing Operations | $15,601,000 | $10,999,000 | $12,631,000 | $13,338,000 |
| Change In Payables And Accrued Expense | - | - | - | $1,223,000 |
| Change In Accrued Expense | - | - | - | $1,223,000 |
| Asset Impairment Charge | - | - | - | $0 |
Fetched: 2026-06-18