Ohio Valley Banc (OVBC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Ohio Valley Banc

NasdaqGM•Financial Services•Banks - Regional

$46.86+0.40(0.01%)Market closed

Market Cap

$211.43M

P/E

14.9x

P/S

2.1x

P/B

1.2x

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.

How this company scores

WeakMetricSide Score: 73/100

Grade capped at D — Interest coverage below 1× (0.4x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (25/25); weakest: Profitability (15/25).

Profitability15/25

Growth17/25

Balance Sheet & Red Flags16/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowStrong marginsLow leverageCash-backed earnings

Grade capped at D

Interest coverage below 1× (0.4x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 14.9x5y range 8.2x – 14.9x

Currently above its 20-quarter median.

P/S · 2.1x5y range 1.2x – 2.6x

Currently near its 20-quarter median.

P/B · 1.2x5y range 0.7x – 1.2x

Price & Volume

Market Cap $211.43M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $99.30M
Q. Revenue: $26.66M
TTM EBITDA: $17.55M
TTM Op. Income: $17.55M
Q. Op. Income: $3.58M
TTM Net Income: $14.21M
Q. Net Income: $2.93M
EPS: $0.62
Shares Out.: $4.71M

$99.30M in TTM revenue grew 6.2% YoY, reaching $26.66M last quarter. TTM EBITDA of $17.55M and TTM operating income of $17.55M show growth is flowing through to the bottom line. TTM net income of $14.21M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 2 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 69.7%
EBITDA Margin: 13.4%
Op. Margin: 13.4%
Net Margin: 11.0%

Op. margin of 13.4% is down 8.3% YoY — costs are rising relative to revenue. Net margin at 11.0% and gross margin of 69.7% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has fallen for 2 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 14.9x
P/S Ratio: 2.1x
P/B Ratio: 1.2x

At 14.9x P/E, the stock trades below typical market levels. P/S of 2.1x and P/B of 1.2x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.66B
Cash: $78.08M
Long-Term Debt: $41.82M
Book Value: $173.39M
D/E Ratio: 0.2
Debt/EBITDA: 11.7

With $1.66B in assets and $41.82M in long-term debt, D/E is 0.2and book value is $173.39M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 2 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $2.64M
TTM Free Cash Flow: $19.71M
FCF Margin: 19.9%
FCF / Net Income: 1.4

TTM FCF of $19.71M on $2.64M in operating cash flow. The FCF / Net Income ratio of 1.4x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 63% — a weakening trend.