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OVBC stock logo

OVBC

Ohio Valley Banc Corp.

$44.81
-0.39
 (-0.86%)
Exchange:  NASDAQ
Market Cap:  211.1M
Shares Outstanding:  4.787M
Delayed data
Calculate OVBC Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Larry E. Miller
Full Time Employees:  269
Address: 
420 Third Avenue
Gallipolis
OH
45631
US
Website:  https://www.ovbc.com
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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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue74,49488,93494,207
Gross Profit56,56659,50663,661
EBITDA16,78115,11221,156
Operating Income15,19813,37619,452
Net Income12,63110,99915,601

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets1,352,1351,503,4121,582,654
Total Liabilities1,208,1281,353,0841,412,397
Total Stockholders Equity144,007150,328170,257
Total Debt54,29849,26455,194
Cash and Cash Equivalents128,12683,10714.845

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow20,74713,09718,064
Capital Expenditure-2,689-1,433-1,037
Free Cash Flow18,05811,66417,027
Net Income12,63110,99915,601
Net Change in Cash82,136-45,019-37,210

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Analyst Estimates

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Current Key Metrics

?Revenue
 (TTM)
: 
88.93M  ?P/S
 (TTM)
: 
2.12
?Net Income
 (TTM)
: 
10.999M  ?P/E
 (TTM)
: 
14.81
?Enterprise Value
 (TTM)
: 
246.276M  ?EV/FCF
 (TTM)
: 
11.02
?Dividend Yield
 (TTM)
: 
2.15%  ?Payout Ratio
 (TTM)
: 
31.16%
?ROE
 (TTM)
: 
8.37%  ?ROIC
 (TTM)
: 
0.86%
?Net Debt
 (TTM)
: 
33.56M  ?Debt/Equity
 (TTM)
: 
0.3
?P/B
 (TTM)
: 
1.21  ?Current Ratio
 (TTM)
: 
15099.23

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Forward P/E Ratios

?

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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Common questions about OVBC valuation

Is Ohio Valley Banc Corp. (OVBC) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Ohio Valley Banc Corp. (OVBC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is OVBC a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether OVBC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is OVBC’s P/E ratio?

You can see OVBC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for OVBC?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is OVBC a good long-term investment?

Whether OVBC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

OVBC

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-0.86
MARKETSnap

Trading Metrics:

Open: 45.13   Previous Close: 45.2
Day Low: 44.7   Day High: 45.33
Year Low: 32.97   Year High: 54.96
Price Avg 50: 44   Price Avg 200: 43.04
Volume: 19454   Average Volume: 35330

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Relevant news

OVBC announces extension of Stock Buyback Program
19-08-2026 14:31
OVBC announces extension of Stock Buyback Program
Ohio Valley Banc Stock Declines Post Q2 Earnings on Credit Costs
31-07-2026 14:42
Ohio Valley Banc Stock Declines Post Q2 Earnings on Credit Costs
Ohio Valley Banc Corp. Reports 2nd Quarter Earnings
27-07-2026 13:18
Ohio Valley Banc Corp. Reports 2nd Quarter Earnings
OVBC vs. UBCP: Which Community Bank Stock Offers More Upside Now?
02-07-2026 13:01
OVBC vs. UBCP: Which Community Bank Stock Offers More Upside Now?

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