OVBC
Ohio Valley Banc Corp.
OVBC's fundamentals are mixed, but it looks expensive: trading at 16x earnings, above its usual 11x.
OVBC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
OVBC's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like OVBC.
OVBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.1x | $27.26 | -44% |
| Fair | 11x | $33.68 | -31% |
| Expensive | 13x | $40.30 | -17% |
| Current | 16x | $48.73 | — |
Historical ranges are pointers, not guarantees.
OVBC's PE is in its expensive range at 16x.
OVBC Forward outlook
There aren't enough analyst estimates for OVBC to show an outlook.
OVBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $3.01 | +2.4% |
| Q1 2026 | $3.28 | +22% |
| Q4 2025 | $3.31 | +43% |
| Q3 2025 | $3.00 | +21% |
| Q2 2025 | $2.94 | +25% |
| Q1 2025 | $2.68 | +11% |
| Q4 2024 | $2.32 | -12% |
| Q3 2024 | $2.47 | -8.9% |
OVBC earned $3.01 per share over the past year, up 2.4% from the year before.
OVBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $18.6M | +6.9% |
| Q1 2026 | $18.2M | +8.3% |
| Q4 2025 | $16.2M | -4.6% |
| Q3 2025 | $16.3M | +5.9% |
| Q2 2025 | $17.4M | +19% |
| Q1 2025 | $16.8M | +13% |
| Q4 2024 | $17M | +14% |
| Q3 2024 | $15.4M | +11% |
OVBC's revenue is growing: $19M last quarter, up 6.9% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 19% | -11 points |
| Q1 2026 | 29% | -4.2 points |
| Q4 2025 | 31% | +13 points |
| Q3 2025 | 23% | +1.6 points |
| Q2 2025 | 30% | +5.1 points |
| Q1 2025 | 33% | +10 points |
| Q4 2024 | 18% | -8.2 points |
| Q3 2024 | 21% | +2.2 points |
OVBC's operating margin was 19% last quarter, down 11 points from the same quarter a year ago.
OVBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $370K | -92% |
| Q1 2026 | $6.8M | +4830% |
| Q4 2025 | $7.6M | +251% |
| Q3 2025 | $5M | -8.2% |
| Q2 2025 | $4.4M | +13% |
| Q1 2025 | $138K | -41% |
| Q4 2024 | $2.2M | -63% |
| Q3 2024 | $5.4M | +0.1% |
OVBC's free cash flow was $20M over the past year, up 63% from the year before. Free cash flow isn't a meaningful measure for financial services companies like OVBC.
OVBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -- |
| 1 year | 0% | -- |
| 3 years | -1.4% | -65.5K shares |
| 5 years | -1.6% | -76.4K shares |
| Available history | -1.3% | -62.3K shares |
OVBC has 5M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2025 | — |
| Q3 2025 | — |
| Q4 2024 | $14,000 |
| Q3 2024 | — |
| Q4 2023 | — |
| Q4 2022 | — |
| Q4 2021 | $496,000 |
OVBC Net Leverage
OVBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.3 | Neutral |
| Stochastic | 79.6 | Neutral |
OVBC's weekly RSI is 64 (neutral) and its Stochastic is 80 (neutral).
OVBC PE vs Financial Services Sector
| Metric | OVBC | Sector median | Relative |
|---|---|---|---|
| PE | 16x | 13x | 24% above |
| PE % | 97 | 63 | 34 pts above |
OVBC is trading at 16x earnings, a 24% premium to the Financial Services sector's median of 13x.
OVBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $46.6 | 4.7% above |
| 20 week MA | $45.1 | 8% above |
| 50 week MA | $44.2 | 10% above |
| 100 week MA | $38.2 | 28% above |
| 200 week MA | $31.2 | 56% above |
OVBC is in an uptrend: it's above all five of its weekly moving averages, and 56% above its 200-week average.
OVBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $40.9 | $23.8 | -42% |
| 2021 | $23.8 | $28.3 | +19% |
| 2022 | $28.3 | $26.5 | -6.4% |
| 2023 | $26.5 | $23.0 | -13% |
| 2024 | $23.0 | $24.2 | +5.1% |
| 2025 | $24.2 | $40.3 | +67% |
| 2026 YTD | $40.3 | $48.7 | +21% |
OVBC has finished lower in three of the last six years. It's up 21% so far in 2026.