OHIO VALLEY BANC CORP

OVBCNASDAQ

🏆 #2894 by market capEarnings Oct 26US Equity

$44.31▲ $0.51 (+1.15%)

Market closed · at close

1h—

24h▲ 1.1%

7d▲ 3.2%

14d▲ 6.1%

30d▲ 3.5%

1y▲ 24.3%

🏦Market Cap

$209M

Small Cap

📈Revenue Growth (YoY)

+5.9%

Slowing

📊Gross Margin

62.9%

High

💵FCF Margin

19.5%

Healthy

⚖️P/S Ratio

2.1x

Cheap

Otter Score

Weak

Trading Snapshot

Day Range: $43.72 – $44.73
52-Week Range: $32.97 – $54.96
Volume: $2.43B
Avg Volume: $2.82B
Shares Outstanding: 4.7M
Next Earnings: Sep 26, 2026

Fundamentals Snapshot

Annual Revenue: $94M
Last Q Revenue: $27M
P/E Ratio: 14.7
P/S Ratio: 2.1x
EPS (TTM): $3.02
Dividend Yield: 2.17%

Why Investors Own OVBC

✓High-growth profile — revenue up +12.2% YoY with expanding US Equity exposure.
✓Healthy economics — 58% gross margin and 24% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$94M▲ +13.6% YoY

Gross Margin (TTM)

57.9%▲ +3.3% YoY

Operating Income (TTM)

$18M▲ +13.6% YoY

Free Cash Flow (TTM)

$23M▲ +13.6% YoY

About OHIO VALLEY BANC CORP

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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