Symbols / OVBC Stock $48.15 -0.12% Ohio Valley Banc Corp.

Financial Services • Banks - Regional • United States • NGM
OVBC (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Larry E. Miller II
Exch · Country NGM · United States
Market Cap 226.83M
Enterprise Value 154.41M
Income 15.49M
Sales 63.84M
FCF (ttm) —
Book/sh 36.36
Cash/sh 26.60
Employees 269
Insider 10d —
IPO Nov 04, 1994
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 28.05%
P/E 14.68
Forward P/E —
PEG —
P/S 3.55
P/B 1.32
P/C —
EV/EBITDA —
EV/Sales 2.42
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 3.28
EPS next Y —
EPS Growth -2.50%
Revenue Growth 1.10%
EPS Gr Q/Q -2.50%
Rev Gr Q/Q —
Earnings (next) 2026-07-24
Earnings (prior) —
ROA 0.97%
ROE 9.47%
ROIC —
Gross Margin 0.00%
Oper. Margin 33.19%
Profit Margin 24.26%
Shs Outstand 4.71M
Shs Float 3.35M
Insider Own 20.42%
Instit Own 29.88%
Short Float 0.91%
Short Ratio 3.48
Short Interest 39.75K
52W High 50.68
vs 52W High -4.99%
52W Low 27.51
vs 52W Low 75.03%
Beta 0.01
Impl. Vol. —
Rel Volume 2.12
Avg Volume 18.66K
Volume 39.56K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $48.21
Price $48.15
Change -0.12%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$48.15
Latest analyst target
3. DCF / Fair value
$49.20
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$48.15
Low
—
High
—
Mean
—

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2013-04-22 init Ladenburg Thalmann — → Buy $19
News
RSS: Latest OVBC news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-12 BARNITZ ANNA P Director — 32 $45.84 $1,500
2026-05-12 MICHAEL SETH ISAAC Director — 65 $45.84 $3,000
2026-02-13 BARNITZ ANNA P Director — 34 $42.81 $1,485
2026-02-13 MICHAEL SETH ISAAC Director — 69 $42.81 $2,970
2025-12-11 JONES RYAN JOSEPH Chief Operating Officer — 6,250 $41.66 $260,398
2025-12-11 SAUNDERS BRENT A Director — 125 $41.71 $5,214
2025-11-12 BARNITZ ANNA P Director — 41 $35.75 $1,500
2025-08-11 BARNITZ ANNA P Director — 42 $34.90 $1,500
2025-08-11 MICHAEL SETH ISAAC Director — 85 $34.90 $3,000
2025-06-05 ROBERTS EDWARD BRYANT Director — 2,500 $31.33 $78,908
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
66.72
+7.65%
61.98
+5.66%
58.66
+6.76%
54.94
Operating Revenue
66.72
+7.65%
61.98
+5.66%
58.66
+6.76%
54.94
Selling General And Administration
26.81
-8.34%
29.25
+17.14%
24.97
+6.81%
23.38
Selling And Marketing Expense
1.21
+46.95%
0.82
-18.81%
1.01
-29.27%
1.43
General And Administrative Expense
25.61
-9.93%
28.43
+18.66%
23.96
+9.16%
21.95
Salaries And Wages
24.91
-10.34%
27.78
+18.77%
23.39
+8.22%
21.61
Other Gand A
—
—
—
2.20
Reconciled Depreciation
1.70
-1.84%
1.74
+6.11%
1.64
+4.20%
1.57
Total Unusual Items
—
—
—
—
Total Unusual Items Excluding Goodwill
—
—
—
—
Special Income Charges
—
—
—
—
Net Income
15.60
+41.84%
11.00
-12.92%
12.63
-5.30%
13.34
Pretax Income
19.45
+45.42%
13.38
-11.99%
15.20
-4.61%
15.93
Net Interest Income
57.37
+18.49%
48.42
+5.94%
45.70
+2.79%
44.46
Interest Expense
27.49
+1.98%
26.96
+70.22%
15.84
+458.07%
2.84
Interest Income
84.86
+12.58%
75.38
+22.49%
61.54
+30.11%
47.30
Gain On Sale Of Security
-3.75
0.00
0.00
+100.00%
-1.54
Tax Provision
3.85
+62.01%
2.38
-7.40%
2.57
-1.04%
2.59
Tax Rate For Calcs
0.00
+11.42%
0.00
+5.21%
0.00
+3.62%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
15.60
+41.84%
11.00
-12.92%
12.63
-5.30%
13.34
Net Income From Continuing Operation Net Minority Interest
15.60
+41.84%
11.00
-12.92%
12.63
-5.30%
13.34
Net Income From Continuing And Discontinued Operation
15.60
+41.84%
11.00
-12.92%
12.63
-5.30%
13.34
Net Income Continuous Operations
15.60
+41.84%
11.00
-12.92%
12.63
-5.30%
13.34
Normalized Income
15.60
+41.84%
11.00
-12.92%
12.63
-5.30%
13.34
Net Income Common Stockholders
15.60
+41.84%
11.00
-12.92%
12.63
-5.30%
13.34
Diluted EPS
3.31
+42.67%
2.32
-12.45%
2.65
-5.36%
2.80
Basic EPS
3.31
+42.67%
2.32
-12.45%
2.65
-5.36%
2.80
Basic Average Shares
4.71
-0.55%
4.74
-0.79%
4.77
+0.11%
4.77
Diluted Average Shares
4.71
-0.55%
4.74
-0.79%
4.77
+0.11%
4.77
Diluted NI Availto Com Stockholders
15.60
+41.84%
11.00
-12.92%
12.63
-5.30%
13.34
Amortization
—
0.01
-61.90%
0.02
-40.00%
0.04
Amortization Of Intangibles Income Statement
—
0.01
-61.90%
0.02
-40.00%
0.04
Depreciation Amortization Depletion Income Statement
—
0.01
-61.90%
0.02
-40.00%
0.04
Depreciation And Amortization In Income Statement
—
0.01
-61.90%
0.02
-40.00%
0.04
Insurance And Claims
0.70
+7.72%
0.65
+13.88%
0.57
+69.85%
0.34
Occupancy And Equipment
3.35
+3.30%
3.24
+0.43%
3.22
+4.68%
3.08
Other Non Interest Expense
12.25
+4.08%
11.77
+2.37%
11.50
+5.11%
10.94
Professional Expense And Contract Services Expense
1.80
-3.74%
1.87
+13.10%
1.66
+2.92%
1.61
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
1,582.65
+5.27%
1,503.41
+11.19%
1,352.13
+11.67%
1,210.79
Cash And Cash Equivalents
45.90
-44.77%
83.11
-35.14%
128.13
+167.75%
47.85
Cash Financial
14.85
-5.47%
15.70
+10.19%
14.25
-0.54%
14.33
Other Short Term Investments
208.44
-22.26%
268.12
+65.24%
162.26
-11.85%
184.07
Receivables
5.48
+13.96%
4.80
+33.25%
3.61
+15.87%
3.11
Accounts Receivable
5.48
+13.96%
4.80
+33.25%
3.61
+15.87%
3.11
Net PPE
21.43
-3.69%
22.25
-1.77%
22.66
+4.26%
21.73
Gross PPE
42.36
+1.80%
41.61
+3.17%
40.33
+5.51%
38.23
Accumulated Depreciation
-20.93
-8.12%
-19.36
-9.50%
-17.68
-7.17%
-16.50
Land And Improvements
2.65
+0.00%
2.65
+3.00%
2.57
+3.30%
2.49
Buildings And Improvements
24.54
-0.14%
24.57
+2.96%
23.87
+5.95%
22.53
Machinery Furniture Equipment
12.65
+7.34%
11.79
+5.82%
11.14
+6.98%
10.41
Other Properties
0.92
-9.86%
1.02
-15.02%
1.21
-6.88%
1.29
Leases
1.60
+1.33%
1.58
+1.80%
1.55
+3.05%
1.51
Goodwill And Other Intangible Assets
7.32
+0.00%
7.32
-0.11%
7.33
-0.29%
7.35
Goodwill
7.32
+0.00%
7.32
+0.00%
7.32
+0.00%
7.32
Other Intangible Assets
—
—
0.01
-72.41%
0.03
Investments And Advances
259.36
-5.75%
275.17
+61.63%
170.24
-11.93%
193.30
Total Liabilities Net Minority Interest
1,412.40
+4.38%
1,353.08
+12.00%
1,208.13
+12.30%
1,075.76
Long Term Debt And Capital Lease Obligation
54.27
+10.16%
49.26
-9.27%
54.30
+95.75%
27.74
Long Term Debt
53.35
+10.59%
48.24
-9.14%
53.09
+100.77%
26.45
Long Term Capital Lease Obligation
0.92
-9.86%
1.02
-15.02%
1.21
-6.88%
1.29
Long Term Provisions
0.87
+49.66%
0.58
-15.90%
0.69
—
Common Stock Equity
170.26
+13.26%
150.33
+4.39%
144.01
+6.65%
135.03
Capital Stock
5.49
+0.00%
5.49
+0.38%
5.47
+0.09%
5.46
Common Stock
5.49
+0.00%
5.49
+0.38%
5.47
+0.09%
5.46
Share Issued
5.49
+0.00%
5.49
+0.38%
5.47
+0.09%
5.47
Ordinary Shares Number
4.71
+0.00%
4.71
-1.30%
4.77
+0.03%
4.77
Treasury Shares Number
0.78
+0.00%
0.78
+11.86%
0.70
+0.49%
0.69
Additional Paid In Capital
52.32
+0.00%
52.32
+0.92%
51.84
+0.23%
51.72
Retained Earnings
133.01
+9.30%
121.69
+5.94%
114.87
+5.08%
109.32
Gains Losses Not Affecting Retained Earnings
-1.87
+82.17%
-10.48
+8.26%
-11.43
+22.85%
-14.81
Treasury Stock
18.69
+0.00%
18.69
+11.61%
16.75
+0.49%
16.67
Other Equity Adjustments
-1.87
+82.17%
-10.48
+8.26%
-11.43
+22.85%
-14.81
Total Equity Gross Minority Interest
170.26
+13.26%
150.33
+4.39%
144.01
+6.65%
135.03
Total Capitalization
223.60
+12.61%
198.57
+0.74%
197.10
+22.06%
161.47
Invested Capital
223.60
+12.61%
198.57
+0.74%
197.10
+22.06%
161.47
Total Debt
54.27
+10.16%
49.26
-9.27%
54.30
+95.75%
27.74
Net Debt
7.45
—
—
—
Capital Lease Obligations
0.92
-9.86%
1.02
-15.02%
1.21
-6.88%
1.29
Net Tangible Assets
162.94
+13.94%
143.01
+4.63%
136.68
+7.05%
127.68
Tangible Book Value
162.94
+13.94%
143.01
+4.63%
136.68
+7.05%
127.68
Available For Sale Securities
46.09
-34.93%
70.84
—
—
Cash Cash Equivalents And Federal Funds Sold
51.16
-41.94%
88.11
-33.83%
133.16
+147.49%
53.80
Held To Maturity Securities
4.82
-31.62%
7.05
-11.73%
7.99
-13.44%
9.23
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
18.09
+38.09%
13.10
-36.87%
20.75
+29.75%
15.99
Cash Flow From Continuing Operating Activities
18.09
+38.09%
13.10
-36.87%
20.75
+29.75%
15.99
Net Income From Continuing Operations
15.60
+41.84%
11.00
-12.92%
12.63
-5.30%
13.34
Depreciation Amortization Depletion
1.70
-1.84%
1.74
+6.11%
1.64
+4.20%
1.57
Depreciation
1.66
-1.13%
1.68
+7.30%
1.56
+6.69%
1.46
Amortization Cash Flow
0.05
-21.67%
0.06
-18.92%
0.07
-30.19%
0.11
Depreciation And Amortization
1.70
-1.84%
1.74
+6.11%
1.64
+4.20%
1.57
Amortization Of Intangibles
0.05
-21.67%
0.06
-18.92%
0.07
-30.19%
0.11
Other Non Cash Items
-0.97
-3.41%
-0.94
-8.56%
-0.86
-457.42%
-0.15
Stock Based Compensation
0.00
-100.00%
0.50
+300.00%
0.12
-78.26%
0.57
Asset Impairment Charge
—
—
—
0.00
Deferred Tax
-0.84
+28.73%
-1.18
-58.39%
-0.74
-358.68%
0.29
Deferred Income Tax
-0.84
+28.73%
-1.18
-58.39%
-0.74
-358.68%
0.29
Operating Gains Losses
3.52
+1736.28%
-0.21
-4.88%
-0.20
-126.66%
0.77
Gain Loss On Investment Securities
3.75
0.00
-100.00%
0.02
-98.50%
1.54
Change In Working Capital
-0.99
-185.86%
1.15
-82.40%
6.55
+1450.52%
-0.48
Change In Receivables
-0.67
+44.04%
-1.20
-142.71%
-0.49
-18.47%
-0.42
Changes In Account Receivables
-0.67
+44.04%
-1.20
-142.71%
-0.49
-18.47%
-0.42
Change In Payables And Accrued Expense
—
—
—
1.22
Change In Accrued Expense
—
—
—
1.22
Change In Other Current Assets
0.24
-47.51%
0.46
-68.79%
1.48
+214.41%
-1.29
Change In Other Current Liabilities
-0.56
-129.67%
1.89
-66.03%
5.57
+355.19%
1.22
Investing Cash Flow
-110.61
+43.33%
-195.18
-226.46%
-59.79
+28.31%
-83.39
Cash Flow From Continuing Investing Activities
-110.61
+43.33%
-195.18
-226.46%
-59.79
+28.31%
-83.39
Net PPE Purchase And Sale
-0.84
+40.38%
-1.40
+43.16%
-2.47
-57.53%
-1.57
Purchase Of PPE
-1.04
+27.63%
-1.43
+46.71%
-2.69
-35.26%
-1.99
Sale Of PPE
0.20
+589.66%
0.03
-86.76%
0.22
-47.86%
0.42
Capital Expenditure
-1.04
+27.63%
-1.43
+46.71%
-2.69
-35.26%
-1.99
Net Investment Purchase And Sale
24.46
+123.91%
-102.29
-470.61%
27.60
+201.13%
-27.29
Purchase Of Investment
-143.28
-3.87%
-137.95
-23440.27%
-0.59
+99.12%
-66.82
Sale Of Investment
167.75
+370.40%
35.66
+26.52%
28.18
-28.70%
39.53
Net Other Investing Changes
-0.52
-5.24%
-0.50
-169.86%
0.71
+1348.98%
0.05
Financing Cash Flow
55.31
-59.65%
137.07
+13.11%
121.18
+413.59%
-38.64
Cash Flow From Continuing Financing Activities
55.31
-59.65%
137.07
+13.11%
121.18
+413.59%
-38.64
Net Issuance Payments Of Debt
5.11
+205.25%
-4.85
-118.21%
26.65
+1696.64%
-1.67
Issuance Of Debt
10.00
+499900.00%
0.00
-99.99%
30.00
+1499950.00%
0.00
Repayment Of Debt
-4.99
-0.60%
-4.96
-47.20%
-3.37
-76.58%
-1.91
Long Term Debt Issuance
10.00
+499900.00%
0.00
-99.99%
30.00
+1499950.00%
0.00
Long Term Debt Payments
-4.99
-0.60%
-4.96
-47.20%
-3.37
-76.58%
-1.91
Net Long Term Debt Issuance
5.01
+200.97%
-4.96
-118.63%
26.63
+1496.43%
-1.91
Net Short Term Debt Issuance
0.10
-6.54%
0.11
+494.44%
0.02
-92.44%
0.24
Net Common Stock Issuance
0.00
+100.00%
-1.95
-2271.95%
-0.08
0.00
Common Stock Payments
0.00
+100.00%
-1.95
-2271.95%
-0.08
0.00
Common Stock Dividend Paid
-4.29
-2.63%
-4.18
+14.25%
-4.87
-3.20%
-4.72
Cash Dividends Paid
-4.29
-2.63%
-4.18
+14.25%
-4.87
-3.20%
-4.72
Repurchase Of Capital Stock
0.00
+100.00%
-1.95
-2271.95%
-0.08
0.00
Changes In Cash
-37.21
+17.35%
-45.02
-154.81%
82.14
+177.45%
-106.04
Beginning Cash Position
83.11
-35.14%
128.13
+178.60%
45.99
-69.75%
152.03
End Cash Position
45.90
-44.77%
83.11
-35.14%
128.13
+178.60%
45.99
Free Cash Flow
17.05
+46.16%
11.66
-35.41%
18.06
+28.97%
14.00
Interest Paid Supplemental Data
26.14
-7.70%
28.32
+192.76%
9.67
+240.04%
2.85
Income Tax Paid Supplemental Data
4.67
+30.24%
3.58
+30.36%
2.75
+39.24%
1.98
Amortization Of Securities
-1.34
+5.89%
-1.43
-198.54%
-0.48
-578.00%
0.10
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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