Ohio Valley Banc Corp. (OVBC) AI Stock Analysis

Headquartered in Gallipolis, Ohio, Ohio Valley Banc Corp. operates as the bank holding company for The Ohio Valley Bank Company, which was established in 1872. The institution operates through two primary segments: Banking and Consumer Finance. Deposit products include checking, savings, money market accounts, individual retirement accounts, and certificates of deposit. Its lending portfolio covers residential real estate mortgages, commercial loans for equipment and real estate, consumer financing for automobiles and personal property, unsecured credit card receivables, student loans, and construction loans. The company serves regional communities through sixteen banking offices in Ohio and West Virginia, six consumer finance offices in Ohio, and thirty-six ATMs.

Between FY2020 and FY2025, Ohio Valley Banc Corp. delivered a 5-year revenue CAGR of 11.1%. Revenue grew from $54.6M in FY2021 to $94.2M in FY2025, while net income rose from $11.7M to $15.6M, bringing EPS from $2.45 to $3.31. Operating margin finished FY2025 at 20.6%, compared to 15.0% in FY2024. Over the trailing twelve months, revenue was $62.4M with an operating margin of 25.8% and a net profit margin of 22.8%. In the latest quarter ended June 30, 2026, quarterly revenue fell 8.7% year-over-year, and quarterly earnings declined 30.5% year-over-year.

As of June 30, 2026, Ohio Valley Banc Corp. held total assets of $1.66B and shareholders' equity of $173.4M. Cash and short-term investments totaled $15.8M compared to total debt of $51.7M, leaving net debt at $36.0M with a debt-to-equity ratio of 0.30. The company recorded a current ratio of 15099.23. During FY2025, operating cash flow reached $18.1M and free cash flow was $17.0M, with $1.0M allocated to capital expenditures and $4.3M returned to shareholders via dividends.

At its last close of $45.99 on October 16, 2026, Ohio Valley Banc Corp. had a market capitalization of $216.7M and an enterprise value of $190.3M. The company's trailing P/E of 15.3x sits above the median of its US-listed Financial Services peers of 12.1x, while its forward P/E of 9.7x trades below the peer median of 10.8x. Its price-to-sales multiple is 3.5x versus the peer median of 3.2x. Over the past year, OVBC returned 32.7%, outperforming the S&P 500 return of 16.8%, and delivered a 5-year gain of 98.4% compared to 83.0% for the index.

Ohio Valley Banc Corp. pays a quarterly dividend reflecting an annualized forward payout of $1.00 per share, which corresponds to a dividend yield of 2.17%. The payout ratio is 31.8%, supported by 32 consecutive years of dividend payments. Over the past five years, dividend growth annualized at 1.6%. The company's most recent ex-dividend date was July 24, 2026.

Ohio Valley Banc Corp. is scheduled to release its next earnings report on October 26, 2026. Quotelinks research does not track consensus rating tallies, forward target prices, or earnings revisions for the company. Investor attention follows recent results through the quarter ended June 30, 2026, when quarterly net income fell 30.5% year-over-year. As of October 16, 2026, the stock traded 4.8% above its 200-day moving average.

This page is an AI-written research summary of Ohio Valley Banc Corp. (OVBC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: OVBC income statement, OVBC balance sheet, OVBC key metrics, OVBC chart. See the OVBC stock overview for the latest quote and news.