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OVBCOhio Valley Banc Corp.
$41.65$196M
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OVBC logoOhio Valley Banc Corp.(OVBC)Earnings, Financials & Key Ratios

OVBC•NASDAQ•Banking & Credit
$41.65
12.6× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustrySpecialty finance and niche lenders
AboutOhio Valley Banc Corp. operates as the bank holding company for The Ohio Valley Bank Company that provides commercial and consumer banking products and services. The company operates in two segments, Banking and Consumer Finance. 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 also 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 boxes, wire transfers, credit card services, 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. Further, the company provides automatic teller machine (ATM) services, consumer finance, seasonal tax preparation services, and commercial property and various liability insurance services, as well as trust and online-only consumer direct mortgage services. It operates sixteen offices in Ohio and West Virginia; and six consumer finance offices in Ohio. The company owns and operates thirty- six ATMs, including twenty off-site ATMs. Ohio Valley Banc Corp. was founded in 1872 and is headquartered in Gallipolis, Ohio.Show more
  • Net Interest Income$58M+19.3%
  • Total Revenue$94M+5.9%
  • Net Income$16M+41.8%
  • Return on Equity9.73%+30.2%
  • Net Interest Margin3.65%+13.3%
  • Efficiency Ratio46.93%-9.5%
  • ROA1.01%+31.2%
  • Equity / Assets10.76%+7.6%
  • Book Value per Share36.14+13.9%

OVBC Price & Volume

Ohio Valley Banc Corp. (OVBC) stock price & volume — 10-year historical chart

Loading chart...

NII Growth Faces Persistent Liquidity Reporting Uncertainty

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Vulnerable
Cash Flow:Mixed
Primary Risk:Localized Economic Concentration

Key Thesis Takeaways

  • Ohio Valley Banc Corp.
  • demonstrates consistent net interest income growth, rising from $11.1 million in 2024Q1 to $14.9 million by 2026Q1, yet this performance is tempered by a stagnant net interest margin that has remained range-bound between 0.8% and 1.0%.
  • While the bank maintains a stable equity-to-assets ratio of 0.10, investors should monitor the extreme volatility in cash and equivalents, which plummeted from $128.1 million in 2023Q4 to a nominal $14,845 by 2025Q4.
  • The reliance on the Ohio River Valley economy and the high-yield consumer finance segment necessitates a cautious outlook until liquidity reporting accuracy is verified.

Verdict Logic

while the bank shows a 13.46 P/E ratio and consistent dividend payments, the anomalous decline in cash reserves to $14,845 creates significant uncertainty regarding the firm's underlying liquidity position.

OVBC Growth Metrics

Ohio Valley Banc Corp. (OVBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years7.68%
5 Years11.12%
3 Years17.7%
TTM-

Profit CAGR

10 Years6.17%
5 Years8.75%
3 Years5.36%
TTM22.84%

EPS CAGR

10 Years4.76%
5 Years9.11%
3 Years5.74%
TTM22.39%

Return on Capital

10 Years6.91%
5 Years6.35%
3 Years5.17%
Last Year2.15%

OVBC Recent Earnings

Ohio Valley Banc Corp. (OVBC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
Q2 2026Latest
Apr 28, 2026
Metric
Actual
Est
EPS
$0.91
—
Rev
$26M
—
Q2 2026
Mar 13, 2026
Metric
Actual
Est
EPS
$0.84
—
Rev
$24M
—
Q1 2026
Jan 27, 2026
Metric
Actual
Est
EPS
$0.84
—
Rev
$24M
—
Q4 2025
Oct 27, 2025
Metric
Actual
Est
EPS
$0.64
—
Rev
—
—
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 28, 2026
$0.91
$26M
Q2 2026Mar 13, 2026
$0.84
$24M
Q1 2026Jan 27, 2026
$0.84
$24M
Q4 2025Oct 27, 2025
$0.64
—
Based on last 12 quarters of dataView full earnings history →

Latest OVBC News

Recent stock market news and headlines for Ohio Valley Banc Corp. (OVBC)

Zacks Investment Research·5 days ago
OVBC vs. UBCP: Which Community Bank Stock Offers More Upside Now?

Ohio Valley Banc and United Bancorp differ in footprint, service mix and valuation, but which community bank offers more upside now? Let's dive in.

Peers Comparison

Key metrics vs top competitors for Ohio Valley Banc Corp. (OVBC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
OVBC logoOVBCOhio Valley Banc Corp.Current
$41.65$196.21M12.585.93%16.56%9.73%2.18%
FXNC logoFXNCFirst National Corporation
$29.30$264.9M14.9527.11%18.05%11.51%—
CZWI logoCZWICitizens Community Bancorp, Inc.
$23.29$224.61M15.95-9.41%16.49%8%—
BSVN logoBSVNBank7 Corp.
$51.75$492.63M11.50-3.87%31.77%18.18%—
MVBF logoMVBFMVB Financial Corp.
$28.62$367.76M13.8918.96%14.29%8.79%—
CHMG logoCHMGChemung Financial Corporation
$74.33$358.26M23.75-6.46%12.83%7.33%—

Compare OVBC vs Peers

Ohio Valley Banc Corp. (OVBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FXNC

Most directly comparable listed peer for OVBC.

Scale Benchmark

vs ICE

Larger-name benchmark to compare OVBC against a more recognizable public peer.

Peer Set

Compare Top 5

vs FXNC, CZWI, BSVN, MVBF

OVBC SEC Filings & Documents

Ohio Valley Banc Corp. (OVBC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 15, 2026·SEC

Material company update

Apr 28, 2026·SEC

Material company update

Apr 14, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 13, 2026·SEC

FY 2025

Mar 14, 2025·SEC

FY 2024

Mar 15, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 15, 2026·SEC

FY 2025

Nov 14, 2025·SEC

FY 2025

Aug 14, 2025·SEC

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OVBC Frequently Asked Questions

Ohio Valley Banc Corp. (OVBC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Ohio Valley Banc Corp. growing?

Ohio Valley Banc Corp. (OVBC) grew revenue by 5.9% over the past year. This is steady growth.

Is OVBC profitable?

Yes, Ohio Valley Banc Corp. (OVBC) is profitable, generating $15.5M in net income for fiscal year 2025 (16.6% net margin).

Dividend & Returns
Does OVBC pay dividends?

Yes, Ohio Valley Banc Corp. (OVBC) pays a dividend with a yield of 2.18%. This makes it attractive for income-focused investors.

What is OVBC's return on equity?

Ohio Valley Banc Corp. (OVBC) has a return on equity (ROE) of 9.7%. This is below average, suggesting room for improvement.

Industry Metrics
What is Ohio Valley Banc Corp.'s net interest margin?

Ohio Valley Banc Corp. (OVBC) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.

What is Ohio Valley Banc Corp.'s efficiency ratio?

Ohio Valley Banc Corp. (OVBC) has an efficiency ratio of 46.9%. This is excellent, indicating strong cost control.

What if you invested $1,000 in OVBC back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →