Ohio Valley Banc Corp. (OVBC) Key Metrics
OVBC valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $216.7M
- Enterprise value
- $190.3M
- P/E (TTM)
- 15.3 10-yr median 12.1
- Forward P/E
- 9.7
- PEG ratio
- —
- Price / sales
- 3.5 10-yr median 2.3
- Price / book
- 1.2 10-yr median 0.8
- EV / EBITDA
- — 10-yr median 4.6
- Dividend yield
- 2.17% $1.00 a year
- Beta
- 0.03
OVBC key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsOVBC valuation Price multiples at each fiscal year-end price.
OVBC returns How much profit the business earns on the capital it uses.
OVBC per-share figures Results divided by the shares outstanding at year-end.
OVBC financial health Debt, liquidity and how easily interest is covered.
OVBC efficiency & capital use Working capital cycle and where the cash goes.
OVBC valuation history
OVBC returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
OVBC debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
OVBC cash returned to shareholders
OVBC price vs earnings per share
OVBC key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $188.3M | $114.7M | $109.8M | $126.0M | $141.7M | $113.0M | $188.9M | $167.3M | $189.3M | $118.4M |
| Enterprise value | $243.3M | −$117.8M | −$126.3M | −$75.7M | −$158.2M | −$97.3M | $78.8M | $47.4M | $61.7M | $33.3M |
| P/E ratio | 12.1 | 10.4 | 8.7 | 9.4 | 12.1 | 11.0 | 19.1 | 14.0 | 25.2 | 17.1 |
| Price / sales | 2.0 | 1.3 | 1.5 | 2.2 | 2.6 | 2.0 | 3.2 | 2.9 | 3.4 | 2.5 |
| Price / book | 1.1 | 0.8 | 0.8 | 0.1 | 0.1 | 0.1 | 0.2 | 1.4 | 1.7 | 1.1 |
| Price / free cash flow | 11.1 | 9.8 | 6.1 | 9.0 | 11.8 | 12.5 | 22.2 | 10.8 | 14.8 | 10.1 |
| Price / operating cash flow | 10.4 | 8.8 | 5.3 | 7.9 | 10.8 | 9.0 | 12.8 | 9.2 | 13.1 | 8.9 |
| EV / sales | 2.6 | -1.3 | -1.7 | -1.3 | -2.9 | -1.7 | 1.4 | 0.8 | 1.1 | 0.7 |
| EV / EBITDA | 11.5 | — | — | — | — | — | 6.0 | 3.0 | 4.6 | 3.3 |
| EV / free cash flow | 14.3 | — | — | — | — | — | 9.3 | 3.1 | 4.8 | 2.8 |
| Earnings yield | 8.3% | 9.6% | 11.5% | 10.6% | 8.3% | 9.1% | 5.2% | 7.1% | 4.0% | 5.8% |
| Free cash flow yield | 9.0% | 10.2% | 16.4% | 11.1% | 8.5% | 8.0% | 4.5% | 9.2% | 6.7% | 9.9% |
| Dividend yield | 2.3% | 3.6% | 4.4% | 3.7% | 2.8% | 3.6% | 2.1% | 2.4% | 2.1% | 3.0% |
| Shareholder yield (dividends + buybacks) | 2.3% | 5.3% | 4.5% | 4.1% | 3.5% | 3.6% | 2.1% | 2.4% | 2.1% | 3.0% |
| Share price at fiscal year-end | $39.98 | $24.21 | $23.00 | $26.42 | $29.65 | $23.60 | $39.62 | $35.39 | $40.40 | $27.20 |
| Per share | ||||||||||
| Revenue per share | $20.00 | $18.77 | $15.60 | $12.11 | $11.42 | $11.62 | $12.21 | $12.30 | $11.77 | $10.94 |
| Earnings per share | $3.31 | $2.32 | $2.65 | $2.80 | $2.45 | $2.14 | $2.08 | $2.53 | $1.60 | $1.59 |
| Operating cash flow per share | $3.83 | $2.76 | $4.34 | $3.35 | $2.75 | $2.61 | $3.09 | $3.84 | $3.09 | $3.07 |
| Free cash flow per share | $3.61 | $2.46 | $3.78 | $2.94 | $2.52 | $1.89 | $1.79 | $3.26 | $2.73 | $2.68 |
| Cash per share | $0.06 | $59.47 | $60.81 | $48.63 | $69.31 | $52.87 | $33.57 | $37.12 | $37.89 | $31.79 |
| Book value per share | $36.14 | $31.73 | $30.16 | $248.06 | $255.29 | $240.15 | $203.41 | $24.94 | $23.34 | $24.02 |
| Tangible book value per share | $34.59 | $30.19 | $28.62 | $246.52 | $253.75 | $238.59 | $201.84 | $23.30 | $21.66 | $22.07 |
| Dividends per share | $0.91 | $0.88 | $1.02 | $0.99 | $0.84 | $0.84 | $0.84 | $0.84 | $0.84 | $0.82 |
| Capex per share | $0.22 | $0.30 | $0.56 | $0.42 | $0.23 | $0.72 | $1.31 | $0.58 | $0.37 | $0.39 |
| Debt per share | $11.72 | $10.40 | $11.37 | $6.33 | $6.57 | $8.95 | $10.49 | $11.75 | $10.66 | $12.23 |
| Shares outstanding | 4.7M | 4.7M | 4.8M | 4.8M | 4.8M | 4.8M | 4.8M | 4.7M | 4.7M | 4.4M |
| Change in shares outstanding | −0.5% | −0.8% | +0.1% | −0.2% | −0.1% | +0.4% | +0.9% | +0.9% | +7.7% | +5.7% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 9.7% | 7.5% | 1.9% | 1.1% | 1.0% | 1.0% | 1.8% | 10.5% | 7.0% | 7.1% |
| Return on invested capital (ROIC) | 21.8% | — | — | 1.4% | 1.3% | 1.1% | 2.3% | — | — | 403.3% |
| Return on assets (ROA) | 1.0% | 0.8% | 1.0% | 1.1% | 1.0% | 0.9% | 1.0% | 1.2% | 0.8% | 0.8% |
| Return on tangible assets | 1.0% | 0.7% | 0.9% | 1.1% | 0.9% | 0.9% | 1.0% | 1.2% | 0.7% | 0.7% |
| Free cash flow margin | 18.1% | 13.1% | 24.2% | 24.2% | 22.1% | 16.3% | 14.6% | 26.5% | 23.2% | 24.6% |
| Income quality (OCF / net income) | 1.16 | 1.19 | 1.64 | 1.20 | 1.12 | 1.22 | 1.49 | 1.52 | 1.93 | 1.93 |
| Financial health | ||||||||||
| Total debt | $55.2M | $49.3M | $54.3M | $30.2M | $31.4M | $42.9M | $50.0M | $55.5M | $50.0M | $53.2M |
| Cash & short-term investments | $268,751 | $281.7M | $290.4M | $231.9M | $331.4M | $253.1M | $160.0M | $175.4M | $177.5M | $138.3M |
| Net debt | $54.9M | −$232.5M | −$236.1M | −$201.7M | −$299.9M | −$210.3M | −$110.0M | −$119.9M | −$127.6M | −$85.1M |
| Debt / equity | 0.32 | 0.33 | 0.38 | 0.03 | 0.03 | 0.04 | 0.05 | 0.47 | 0.46 | 0.51 |
| Debt / assets | 0.03 | 0.03 | 0.04 | 0.02 | 0.03 | 0.04 | 0.05 | 0.05 | 0.05 | 0.06 |
| Net debt / EBITDA | 2.60 | −15.38 | −14.07 | −11.53 | −19.19 | −15.20 | −8.35 | −7.72 | −9.45 | −8.42 |
| Current ratio | — | 0.22 | 0.26 | 0.35 | 0.48 | 0.27 | 0.22 | 1.17 | 1.13 | 1.13 |
| Quick ratio | — | 0.22 | 0.38 | 0.43 | 0.70 | 0.42 | 0.29 | 1.17 | 1.13 | 1.13 |
| Interest coverage | 0.7 | 0.5 | 1.0 | 5.6 | 3.8 | 2.0 | 1.6 | 2.6 | 3.0 | 2.9 |
| Working capital | $51.8M | −$988.7M | −$833.1M | −$438.8M | −$366.9M | −$693.4M | −$593.4M | $126.6M | $102.5M | $93.7M |
| Invested capital | $225.2M | −$82.1M | −$92.1M | $981.3M | $920.5M | $939.4M | $859.7M | −$2.0M | −$18.2M | $19.4M |
| Tangible asset value | $162.9M | $143.0M | $136.7M | $1.18B | $1.21B | $1.14B | $962.2M | $110.1M | $101.5M | $96.1M |
| Net current asset value | −$1.36B | −$1.07B | −$914.1M | $207.3M | $304.7M | $219.2M | $119.1M | −$22.7M | −$30.5M | −$31.9M |
| Graham number | $51.89 | $40.72 | $42.37 | $124.94 | $118.73 | $107.60 | $97.53 | $37.66 | $29.01 | $29.32 |
| Graham net-net per share | −$299.75 | −$225.41 | −$205.43 | $37.90 | $47.13 | $30.49 | $18.71 | −$155.53 | −$157.25 | −$162.92 |
| Capital allocation | ||||||||||
| Dividends paid | $4.3M | $4.2M | $4.9M | $4.7M | $4.0M | $4.0M | $4.0M | $4.0M | $3.9M | $3.6M |
| Share buybacks (net) | $0 | $1.9M | $82,000 | $496,000 | $954,000 | $0 | $0 | $0 | $0 | $0 |
| Dividend payout ratio | 27.5% | 38.0% | 38.6% | 35.4% | 34.2% | 39.2% | 40.4% | 33.2% | 52.4% | 51.8% |
| Dividends + buybacks / free cash flow | 25.2% | 52.5% | 27.4% | 37.3% | 41.3% | 44.5% | 46.9% | 25.7% | 30.8% | 30.7% |
| Capex / revenue | 1.1% | 1.6% | 3.6% | 3.4% | 2.0% | 6.2% | 10.7% | 4.7% | 3.1% | 3.5% |
| Capex / operating cash flow | 5.7% | 10.9% | 13.0% | 12.4% | 8.3% | 27.6% | 42.2% | 15.0% | 11.9% | 12.6% |
| Capex / depreciation | 0.61 | 0.83 | 1.64 | 1.27 | 0.67 | 2.26 | 4.28 | 2.05 | 1.15 | 1.32 |
| Stock-based compensation / revenue | 0.0% | 0.6% | 0.2% | 1.0% | 0.9% | 3.7% | 0.6% | 0.5% | 0.8% | 1.2% |
| SG&A / revenue | 0.0% | 32.9% | 33.5% | 40.5% | 45.2% | 46.8% | 48.4% | 46.6% | 46.9% | 48.4% |
| Efficiency | ||||||||||
| Days sales outstanding | 9.3 | 17.3 | 16.5 | 18.3 | 20.1 | 19.3 | 16.3 | 16.1 | 15.9 | 15.9 |
| Days of inventory on hand | — | — | -1,865.8 | -13,597.6 | -16,821.1 | -4,045.2 | -1,281.7 | 56.2 | 103.3 | 140.0 |
| Days payables outstanding | — | — | — | — | 114,265.4 | 20,174.6 | 834.2 | 938.0 | 832.6 | 833.2 |
| Cash conversion cycle (days) | — | — | — | — | -131,066.4 | -24,200.6 | -2,099.6 | -865.6 | -713.3 | -677.3 |
| Receivables turnover | 39.17 | 21.15 | 22.18 | 19.90 | 18.15 | 18.91 | 22.39 | 22.62 | 22.89 | 23.02 |
| Payables turnover | — | — | — | — | 0.00 | 0.02 | 0.44 | 0.39 | 0.44 | 0.44 |
| Inventory turnover | — | — | — | — | — | — | — | 6.50 | 3.53 | 2.61 |
| Asset turnover | 0.06 | 0.06 | 0.06 | 0.05 | 0.04 | 0.05 | 0.06 | 0.06 | 0.06 | 0.05 |
| Average receivables | $2.4M | $4.2M | $3.4M | $2.9M | $3.0M | $2.9M | $2.6M | $2.6M | $2.4M | $2.1M |
| Average payables | — | — | — | — | $1.03B | $506.9M | $18.9M | $16.7M | $14.9M | $13.3M |
| Average inventory | — | — | −$91.6M | −$104.5M | −$151.2M | −$101.6M | −$29.0M | $1.0M | $1.9M | $2.2M |
| Intangibles / total assets | 0.5% | 0.5% | 0.5% | 0.6% | 0.6% | 0.6% | 0.7% | 0.8% | 0.8% | 0.9% |
Computed from OVBC's annual financial statements (latest annual report filed March 13, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
OVBC valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Ohio Valley Banc traded at 12.1 times earnings, against a 10-year median of 12.1. Based on the latest twelve months, the trailing P/E is 15.3 and the forward P/E is 9.7. Ohio Valley Banc earned a return on equity of 9.7% and a return on invested capital of 21.8% in fiscal 2025. It ended the year with $55.2 million of debt and $0.3 million in cash and short-term investments, net debt of $54.9 million. It returned $4.3 million to shareholders: $4.3 million in dividends and $0 in share buybacks, 25% of free cash flow. The share count rose 8.3% from 4.4M to 4.7M over 9 years.
See the OVBC income statement, the OVBC chart for price history, or the OVBC stock overview for the latest quote and news.
OVBC key metrics FAQ
What is Ohio Valley Banc's P/E ratio?
Ohio Valley Banc's trailing P/E ratio is 15.3 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 9.7. At the end of fiscal 2025 it was 12.1, compared with a 10-year median of 12.1.
What is Ohio Valley Banc's EV/EBITDA?
Ohio Valley Banc's enterprise value was 11.5 times EBITDA at the end of fiscal 2025 (enterprise value $243.3 million, EBITDA $21.2 million).
What is Ohio Valley Banc's return on equity?
Ohio Valley Banc's return on equity (ROE) was 9.7% in fiscal 2025: net income of $15.6 million on average shareholders' equity of $160.3 million.
What is Ohio Valley Banc's ROIC?
Ohio Valley Banc's return on invested capital was 21.8% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Ohio Valley Banc have?
Ohio Valley Banc had total debt of $55.2 million at the end of fiscal 2025, a debt-to-equity ratio of 0.32 and $54.9 million of net debt (2.60 times EBITDA).
What is Ohio Valley Banc's dividend yield?
Ohio Valley Banc's forward dividend yield is 2.17%. Ohio Valley Banc paid $4.3 million in dividends in fiscal 2025 ($0.91 per share), a payout ratio of 27.5%.
What is Ohio Valley Banc's free cash flow yield?
Ohio Valley Banc generated $17.0 million of free cash flow in fiscal 2025, a free cash flow yield of 9.0% on its market value at year-end ($188.3 million).