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Ohio Valley Banc Corp. logo

Ohio Valley Banc Corp.

OVBC

NASDAQFinancial ServicesBanks - Regional

Open in GoAI

Previous close

$44.59

−$0.07 · -0.16%

Aug 21, 4:00 PM ET

OVBC company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

75

Undervalued

Momentum

48

Neutral

Sentiment

68

Bullish

Risk resilience

58

Elevated Risk

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AI-generated, informational only, and not investment advice.

Company profile

Company website

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.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Larry E. Miller
Listed since
Nov 4, 1994
Employees
269

Market position

Day range

Current $44.59

52-week range

Current $44.59

Open
$45.06
Previous close
$44.66
Volume
39.48K
1.12× average
Average volume
35.33K
Average daily volume
Market cap
210.06M USD
Beta
0.03
Market reference 1
50-day average
$44.2326
+0.81% above average
200-day average
$42.8942
+3.95% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
243.52M USD
EV / EBITDA
11.51×
Earnings yield
8.28%
Free cash flow yield
9.04%

Profitability & efficiency

Return on equity
9.16%
Return on assets
0.99%
Return on invested capital
30.11%

Financial health

Current ratio
56,092.09×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends103%70%37%4%Gross margin, FY2021: 93.99%Gross margin, FY2022: 95.14%Gross margin, FY2023: 75.93%Gross margin, FY2024: 66.91%Gross margin, FY2025: 67.58%Operating margin, FY2021: 25.68%Operating margin, FY2022: 27.57%Operating margin, FY2023: 20.40%Operating margin, FY2024: 15.04%Operating margin, FY2025: 20.65%Net margin, FY2021: 21.50%Net margin, FY2022: 23.08%Net margin, FY2023: 16.96%Net margin, FY2024: 12.37%Net margin, FY2025: 16.56%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 93.99%. Gross margin FY2022 95.14%. Gross margin FY2023 75.93%. Gross margin FY2024 66.91%. Gross margin FY2025 67.58%. Operating margin FY2021 25.68%. Operating margin FY2022 27.57%. Operating margin FY2023 20.40%. Operating margin FY2024 15.04%. Operating margin FY2025 20.65%. Net margin FY2021 21.50%. Net margin FY2022 23.08%. Net margin FY2023 16.96%. Net margin FY2024 12.37%. Net margin FY2025 16.56%.

Income trends

Revenue

94.21M USD+5.93%

Operating income

19.45M USD+45.42%

Net income

15.6M USD+41.84%
Income trends across reported periods102.53M USD69.24M USD35.96M USD2.68M USDRevenue, FY2021: 54.58M USDRevenue, FY2022: 57.78M USDRevenue, FY2023: 74.49M USDRevenue, FY2024: 88.93M USDRevenue, FY2025: 94.21M USDOperating income, FY2021: 14.02M USDOperating income, FY2022: 15.93M USDOperating income, FY2023: 15.2M USDOperating income, FY2024: 13.38M USDOperating income, FY2025: 19.45M USDNet income, FY2021: 11.73M USDNet income, FY2022: 13.34M USDNet income, FY2023: 12.63M USDNet income, FY2024: 11M USDNet income, FY2025: 15.6M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 54.58M USD. Revenue FY2022 57.78M USD. Revenue FY2023 74.49M USD. Revenue FY2024 88.93M USD. Revenue FY2025 94.21M USD. Operating income FY2021 14.02M USD. Operating income FY2022 15.93M USD. Operating income FY2023 15.2M USD. Operating income FY2024 13.38M USD. Operating income FY2025 19.45M USD. Net income FY2021 11.73M USD. Net income FY2022 13.34M USD. Net income FY2023 12.63M USD. Net income FY2024 11M USD. Net income FY2025 15.6M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue94.21M USD88.93M USD74.49M USD57.78M USD54.58M USD
Cost of goods sold30.55M USD29.43M USD17.93M USD2.81M USD3.28M USD
Gross profit63.66M USD59.51M USD56.57M USD54.97M USD51.3M USD
Selling, general, and administrative3.01K USD29.25M USD24.97M USD23.38M USD24.66M USD
Operating expenses44.21M USD46.13M USD41.37M USD39.04M USD37.28M USD
Interest income85.24M USD75.38M USD61.54M USD47.3M USD44.48M USD
Interest expense27.49M USD26.96M USD15.84M USD2.84M USD3.7M USD
Depreciation and amortization1.7M USD1.74M USD1.64M USD1.57M USD1.61M USD
Operating income19.45M USD13.38M USD15.2M USD15.93M USD14.02M USD
Net income15.6M USD11M USD12.63M USD13.34M USD11.73M USD

Company facts updated Aug 24, 2026.

Earnings

Latest fiscal-year EPS
3.31
FY2025 · +42.06% year over year
Latest fiscal-year revenue
94.21M USD
FY2025 · +5.93% year over year

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual EPS trend3.413.022.622.23FY21FY22FY23FY24FY25

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual revenue trend98.17M82.32M66.47M50.61MFY21FY22FY23FY24FY25

OVBC news

seekingalpha.com

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…

Read source
prnewswire.com

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,…

Read source
zacks.com

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.

Read source
gurufocus.com

Ohio Valley Banc Corp. Reports 2nd Quarter Earnings

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

Read source
prnewswire.com

Ohio Valley Banc Corp. Reports 2nd Quarter Earnings

GALLIPOLIS, Ohio, July 27, 2026 /PRNewswire/ -- Ohio Valley Banc Corp. (Nasdaq: OVBC) (the "Company") reported consolidated net income for the quarter ended June 30, 2026, of $2,927,000, a decrease of $1,283,000, or…

Read source
prnewswire.com

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…

Read source

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ETFs holding OVBC

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
4.91M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
4.46M
Weight
0.01%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
1.76M
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
1.54M
Weight
0.01%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
899.54K
Weight
0.01%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25+0.74%
U.S. Micro Cap Portfolio ETF logoU.S. Micro Cap Portfolio ETFDFMC
Market value
743.23K
Weight
0.01%
AUM
8.06B USD
Expense ratio
0.43%
Price / 1D
$60.95+0.73%
EA Bridgeway Omni Small-Cap Value ETF logoEA Bridgeway Omni Small-Cap Value ETFBSVO
Market value
680K
Weight
0.03%
AUM
1.71B USD
Expense ratio
0.47%
Price / 1D
$29.62+0.85%
iShares Micro-Cap ETF logoiShares Micro-Cap ETFIWC
Market value
591.48K
Weight
0.04%
AUM
1.53B USD
Expense ratio
0.60%
Price / 1D
$198.39+1.10%

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