OVBC logo

OHIO VALLEY BANC CORP

OVBCNASDAQ
πŸ† #3688 by market capEarnings Oct 26US Equity
$44.53β–Ό $0.16 (βˆ’0.36%)
πŸŒ™ After hours$44.53β–² 0.00%Regular close Β· extended-hours price shown
πŸ””
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24hβ–Ό 0.4%
7dβ–Ό 1.7%
14dβ–Ό 5.0%
30dβ–Ό 2.9%
ytdβ–² 10.9%
1yβ–² 17.6%
🏦Market Cap
$210M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+5.9%
Slowing
πŸ“ŠGross Margin
62.9%
High
πŸ’΅FCF Margin
22.5%
Strong
βš–οΈP/S Ratio
2.1x
Cheap
Otter Score
64
Fair

Trading Snapshot

Day Range
$43.94 – $44.96
52-Week Range
$34.18 – $54.96
Volume
$2.43B
Avg Volume
$2.82B
Shares Outstanding
4.7M
Next Earnings
Nov 13, 2026

Fundamentals Snapshot

Annual Revenue
$94M
Last Q Revenue
$27M
P/E Ratio
14.8
P/S Ratio
2.1x
EPS (TTM)
$3.02
Dividend Yield
2.15%
Dilution (1yr)
+0.0%

Why Investors Own OVBC

  • βœ“High-growth profile β€” revenue up +12.2% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 58% gross margin and 24% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

OVBC logo

OHIO VALLEY BANC CORP

OVBC
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$94Mβ–² +5.9% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
67.6%β–² +1.0% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$19Mβ–² +45.4% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$17Mβ–² +46.0% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
4.7Mβ–² +0.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$55Mβ–Ό βˆ’$89M YoY
StockOtter Β· stockotter.space

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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
64/100

Analyst Price Target

β“˜
Average Target
$57.53
β–² +29.2% Upside
High Target$69.26
Low Target$46.84
Based on 29 analysts

Latest News & Updates

Zacks Investment ResearchΒ·18d ago

OVBC vs. LCNB: Which Community Bank Stock Is the Better Buy Right Now?

Ohio Valley Banc and LCNB differ in loan growth, funding, wealth management and valuation, but which community bank stock looks better positioned? Let's dive in.

Seeking AlphaΒ·Aug 21

Ohio Valley Banc: I Expect Lower Loan Loss Provisions Going Forward

Ohio Valley Banc remains a 'buy' as prudent loan loss provisioning supports balance sheet integrity amid loan book expansion. Despite a 200%+ surge in loan loss provisions, OVBC's net interest income and non-interest inc

PRNewsWireΒ·Aug 19

OVBC announces extension of Stock Buyback Program

GALLIPOLIS, Ohio, Aug. 19, 2026 /PRNewswire/ -- Ohio Valley Banc Corp. [Nasdaq: OVBC] (the "Company") announced the Board of Directors has authorized the extension date of its existing stock buyback program to August 31,

Zacks Investment ResearchΒ·Jul 31

Ohio Valley Banc Stock Declines Post Q2 Earnings on Credit Costs

OVBC's second-quarter 2026 earnings face pressure from higher credit loss provisions despite stronger net interest income and continued loan growth.

GuruFocusΒ·Jul 27

Ohio Valley Banc Corp. Reports 2nd Quarter Earnings

Ohio Valley Banc Corp. Reports undefined quarter Earnings PR Newswire GALLIPOLIS, Ohio, July 27, 2026

PRNewsWireΒ·Jul 14

OVBC ANNOUNCES CASH DIVIDEND

GALLIPOLIS, Ohio, July 14, 2026 /PRNewswire/ -- Ohio Valley Banc Corp. [Nasdaq: OVBC] Board of Directors declared a cash dividend of $0.25 per common share payable on Aug. 10, 2026, to shareholders of record as of the cl