OVBC

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Ohio Valley Banc Corp.

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Key Metrics

Previous Close: $44.30
52-Week Range: $34.18 – $54.96
Market Cap: $210.16M
P/E (TTM): 14.82
EPS (TTM): 3.01
Dividend Yield: 2.24%

Advanced Metrics

Price/Book: 1.21
PEG Ratio: —
Return on Equity: 8.51%
Return on Assets: 0.90%
Gross Margin: 0.00%
Operating Margin: 25.79%
Profit Margin: 22.76%
Current Ratio: —
Debt/Equity: —
Total Debt: $51.73M
Free Cash Flow: —
Revenue Growth: -8.70%
Earnings Growth: -30.50%
Enterprise Value: $183.80M

OVBC Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$54.94M	$58.66M	$61.98M	$66.72M
Selling, General & Admin	$23.38M	$24.97M	$29.25M	$26.81M
Pretax Income	$15.93M	$15.20M	$13.38M	$19.45M
Income Tax	$2.59M	$2.57M	$2.38M	$3.85M
Net Income	$13.34M	$12.63M	$11.00M	$15.60M
Diluted EPS	2.80	2.65	2.32	3.31
Diluted Shares	4.77M	4.77M	4.74M	4.71M

OVBC Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$47.85M	$128.13M	$83.11M	$45.90M
Receivables	$3.11M	$3.61M	$4.80M	$5.48M
Total Assets	$1.21B	$1.35B	$1.50B	$1.58B
Long-Term Debt	$26.45M	$53.09M	$48.24M	$53.35M
Total Debt	$27.74M	$54.30M	$49.26M	$54.27M
Total Liabilities	$1.08B	$1.21B	$1.35B	$1.41B
Retained Earnings	$109.32M	$114.87M	$121.69M	$133.01M
Net Debt	—	—	—	$7.45M

OVBC Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$15.99M	$20.75M	$13.10M	$18.09M
Capital Expenditure	-$1.99M	-$2.69M	-$1.43M	-$1.04M
Free Cash Flow	$14.00M	$18.06M	$11.66M	$17.05M
Depreciation & Amortisation	$1.57M	$1.64M	$1.74M	$1.70M
Stock-Based Compensation	$575.00K	$125.00K	$500.00K	$0.00
Investing Cash Flow	-$83.39M	-$59.79M	-$195.18M	-$110.61M
Financing Cash Flow	-$38.64M	$121.18M	$137.07M	$55.31M
Dividends Paid	-$4.72M	-$4.87M	-$4.18M	-$4.29M
Share Repurchases	$0.00	-$82.00K	-$1.95M	$0.00
Net Change in Cash	-$106.04M	$82.14M	-$45.02M	-$37.21M

OVBC Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$17.38M	$16.34M	$16.20M	$18.18M	$18.58M
Selling, General & Admin	$6.64M	$6.83M	$6.88M	$6.87M	$7.10M
Pretax Income	$5.19M	$3.74M	$4.97M	$5.25M	$3.58M
Income Tax	$976.00K	$714.00K	$1.01M	$956.00K	$657.00K
Net Income	$4.21M	$3.03M	$3.96M	$4.30M	$2.93M
Diluted EPS	0.89	0.64	0.84	0.91	0.62
Diluted Shares	4.71M	4.71M	4.71M	4.71M	4.71M

OVBC Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$54.63M	$89.32M	$45.90M	$125.33M	$78.08M
Receivables	$4.94M	$5.51M	$5.48M	$5.54M	$5.49M
Total Assets	$1.51B	$1.57B	$1.58B	$1.68B	$1.66B
Long-Term Debt	$45.68M	$44.52M	$53.35M	$52.03M	$50.32M
Total Debt	$46.61M	$45.49M	$54.27M	$52.91M	$51.73M
Total Liabilities	$1.35B	$1.41B	$1.41B	$1.51B	$1.49B
Retained Earnings	$128.19M	$130.13M	$133.01M	$136.22M	$137.97M
Shareholders' Equity	$160.76M	$164.42M	$170.26M	$171.28M	$173.39M
Net Debt	—	—	$7.45M	—	—

OVBC Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$4.48M	$5.31M	$7.80M	$7.19M	$2.64M
Capital Expenditure	-$109.00K	-$341.00K	-$229.00K	-$387.00K	-$2.27M
Free Cash Flow	$4.37M	$4.97M	$7.57M	$6.80M	$370.00K
Investing Cash Flow	-$60.70M	-$24.11M	-$56.14M	-$19.36M	-$31.75M
Financing Cash Flow	-$9.75M	$53.49M	$4.92M	$91.60M	-$18.13M
Dividends Paid	-$1.08M	-$1.08M	-$1.08M	-$1.08M	-$1.18M
Share Repurchases	—	$0.00	$0.00	—	—
Net Change in Cash	-$65.98M	$34.69M	-$43.42M	$79.43M	-$47.24M

Market Snapshot

About

Ohio Valley Banc Corp. is the holding company for The Ohio Valley Bank Company, a community bank serving customers in Ohio and West Virginia. The bank provides traditional banking services including deposit accounts, residential and commercial lending, and wealth management services. Ohio Valley Banc focuses on relationship banking and supporting the financial needs of individuals and businesses in its local markets.