A Business at a Glance
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OHIO VALLEY BANC CORP
OVBC
$199M
Mkt Cap
$42.14
-0.02%
OHIO VALLEY BANC CORP (OVBC) has a current P/E ratio of 14.0, compared to its historical median P/E of 10.1. The stock is currently considered Expensive based on its historical valuation range.
OHIO VALLEY BANC CORP (OVBC) has a 5-year average return on invested capital (ROIC) of 8.7%. This is below average and may indicate limited pricing power.
OHIO VALLEY BANC CORP (OVBC) has a market capitalization of $199M. It is classified as a small-cap stock.
Yes, OHIO VALLEY BANC CORP (OVBC) pays a dividend with a trailing twelve-month yield of 2.16%.
Based on historical P/E analysis, OHIO VALLEY BANC CORP (OVBC) appears expensive. The current P/E of 14.0 is 39% above its historical median of 10.1. The estimated fair value CAGR (P/E method) is 3.6%.
OHIO VALLEY BANC CORP (OVBC) operates in the State Commercial Banks industry, within the Financials sector.
OHIO VALLEY BANC CORP (OVBC) reported annual revenue of $94 million in its most recent fiscal year, based on SEC EDGAR filings.
OHIO VALLEY BANC CORP operates in the State Commercial Banks industry, Financials sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 94M | 94M | 89M | 74M | 58M | 55M |
| Net Income | 16M | 16M | 11M | 13M | 13M | 12M |
| EPS | $3.31 | $3.31 | $2.32 | $2.65 | $2.80 | $2.45 |
| Free Cash Flow | 17M | 17M | 12M | 18M | 14M | 12M |
| ROIC | 8.9% | 9.5% | 7.2% | 8.7% | 9.5% | 8.5% |
| Gross Margin | 0.0% | 0.0% | - | - | - | - |
| Debt/Equity | 0.03 | 0.03 | 0.03 | 0.04 | 0.06 | -0.01 |
| Dividends/Share | $0.91 | $0.91 | $0.88 | $1.02 | $0.99 | $0.84 |
| Operating Income | 1.7M | 1.7M | 2.3M | 2.4M | 1.1M | 950K |
| Operating Margin | 1.8% | 1.8% | 2.6% | 3.2% | 1.9% | 1.7% |
| ROE | 9.2% | 9.7% | 7.5% | 9.1% | 9.7% | 8.5% |
| Shares Outstanding | 5M | 5M | 5M | 5M | 5M | 5M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 46M | 45M | 48M | 55M | 58M | 59M | 58M | 55M | 58M | 74M | 89M | 94M | 94M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | 0.0% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 18M | 17M | 19M | 21M | 22M | 24M | 22M | 22M | 22M | 23M | 28M | 25M | 25M |
| EBIT | 813K | 848K | 908K | 688K | 850K | 669K | 782K | 950K | 1.1M | 2.4M | 2.3M | 1.7M | 1.7M |
| Op. Margin | 1.8% | 1.9% | 1.9% | 1.2% | 1.5% | 1.1% | 1.4% | 1.7% | 1.9% | 3.2% | 2.6% | 1.8% | 1.8% |
| Net Income | 8.1M | 8.6M | 6.9M | 7.5M | 12M | 9.9M | 10M | 12M | 13M | 13M | 11M | 16M | 16M |
| Net Margin | 17.5% | 19.1% | 14.5% | 13.6% | 20.5% | 16.7% | 17.8% | 21.5% | 23.1% | 17.0% | 12.4% | 16.6% | 16.6% |
| Non-Recurring | 898K | 0 | 0 | 0 | 0 | 1.3M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 8.7% | 8.7% | 6.6% | 6.9% | 10.6% | 8.2% | 7.8% | 8.5% | 9.5% | 8.7% | 7.2% | 9.5% | 8.9% |
| ROE | 9.7% | 9.7% | 7.1% | 7.0% | 10.5% | 8.1% | 7.8% | 8.5% | 9.7% | 9.1% | 7.5% | 9.7% | 9.2% |
| ROA | 1.1% | 1.1% | 0.8% | 0.8% | 1.2% | 1.0% | 0.9% | 1.0% | 1.1% | 1.0% | 0.8% | 1.0% | 1.0% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 12M | 10M | 13M | 14M | 18M | 15M | 12M | 13M | 16M | 21M | 13M | 18M | 18M |
| Free Cash Flow | 11M | 8.4M | 12M | 13M | 15M | 8.5M | 9.0M | 12M | 14M | 18M | 12M | 17M | 17M |
| Owner Earnings | 10M | 9.4M | 12M | 13M | 17M | 13M | 11M | 12M | 14M | 19M | 11M | 16M | 16M |
| CapEx | 985K | 1.9M | 1.7M | 1.7M | 2.7M | 6.2M | 3.4M | 1.1M | 2.0M | 2.7M | 1.4M | 1.0M | 1.0M |
| Maint. CapEx | 872K | 965K | 1.2M | 1.4M | 1.3M | 1.4M | 1.4M | 1.5M | 1.5M | 1.6M | 1.7M | 1.7M | 1.7M |
| Growth CapEx | 113K | 985K | 489K | 294K | 1.4M | 4.8M | 2.0M | 0 | 489K | 1.1M | 0 | 0 | 0 |
| D&A | 872K | 965K | 1.2M | 1.4M | 1.3M | 1.4M | 1.4M | 1.5M | 1.5M | 1.6M | 1.7M | 1.7M | 1.7M |
| CapEx/OCF | 8.4% | 18.8% | 12.6% | 11.9% | 15.0% | 42.2% | 27.6% | 8.2% | 12.4% | 13.0% | 10.9% | N/A | 5.7% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 3.4M | 3.7M | 3.6M | 3.9M | 4.0M | 4.0M | 4.0M | 4.0M | 4.7M | 4.9M | 4.2M | 4.3M | 4.3M |
| Dividend Yield | 5.4% | 5.3% | 4.9% | 3.3% | 2.5% | 2.9% | 4.0% | 3.9% | 3.9% | 4.5% | 3.9% | N/A | 2.2% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 954K | 0 | 82K | 1.9M | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.8% | N/A | 0.1% | 1.8% | 0.0% | 0.0% |
| Stock-Based Comp | 351K | N/A | 575K | 428K | 295K | 328K | 0 | 0 | 575K | 125K | 500K | 0 | 0 |
| Debt Repayment | 261K | 113K | 21K | 144K | 85K | 0 | 629K | 1.1M | 238K | 18K | 107K | 100K | 100K |
| Balance Sheet | |||||||||||||
| Net Debt | -105M | -127M | -132M | -172M | -171M | -157M | -252M | -330M | -222M | -284M | -347M | -295M | -41M |
| Cash & Equiv. | 31M | 46M | 40M | 75M | 71M | 52M | 138M | 152M | 46M | 128M | 83M | 46M | 46M |
| Long-Term Debt | 10M | 9.3M | 3.9M | -459K | -989K | -2.0M | -405K | 0 | 7.5M | 6.2M | 4.4M | 4.4M | 4.4M |
| Debt/Equity | 0.13 | 0.11 | 0.04 | 0.03 | 0.02 | 0.00 | -0.01 | -0.01 | 0.06 | 0.04 | 0.03 | 0.03 | 0.03 |
| Interest Coverage | 0.3 | 0.3 | 0.3 | 0.2 | 0.2 | 0.1 | 0.1 | 0.3 | 0.4 | 0.2 | 0.1 | 0.0 | 0.1 |
| Equity | 86M | 90M | 105M | 109M | 118M | 128M | 136M | 141M | 133M | 144M | 150M | 170M | 170M |
| Total Assets | 779M | 796M | 955M | 1.0B | 1.0B | 1.0B | 1.2B | 1.2B | 1.2B | 1.4B | 1.5B | 1.6B | 1.6B |
| Total Liabilities | 692M | 706M | 850M | 917M | 913M | 885M | 1.1B | 1.1B | 1.1B | 1.2B | 1.4B | 1.4B | 1.4B |
| Intangibles | N/A | N/A | 670K | 514K | 379K | 174K | 112K | 64K | 29K | 8K | 0 | N/A | N/A |
| Retained Earnings | 61M | 66M | 69M | 73M | 81M | 87M | 93M | 101M | 109M | 115M | 122M | 133M | 133M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | 12M | 13M | 14M | 16M | 18M | 20M | N/A | N/A | 20M | 26M | 28M | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | 1.97 | 2.08 | 1.59 | 1.60 | 2.53 | 2.08 | 2.14 | 2.45 | 2.80 | 2.65 | 2.32 | 3.31 | 3.31 |
| Owner EPS | 2.55 | 2.29 | 2.66 | 2.69 | 3.51 | 2.74 | 2.31 | 2.44 | 2.92 | 3.99 | 2.30 | 3.49 | 3.49 |
| Book Value | 21.04 | 21.95 | 24.02 | 23.30 | 24.97 | 26.91 | 28.44 | 29.52 | 27.88 | 30.21 | 31.71 | 36.12 | 36.12 |
| Cash Flow/Share | 2.85 | 2.52 | 3.07 | 3.09 | 3.84 | 3.10 | 2.61 | 2.75 | 3.36 | 4.35 | 2.76 | 3.84 | 3.66 |
| Dividends/Share | 0.84 | 0.89 | 0.82 | 0.84 | 0.84 | 0.84 | 0.84 | 0.84 | 0.99 | 1.02 | 0.88 | 0.91 | 0.91 |
| Shares Out. | 4.1M | 4.1M | 4.4M | 4.7M | 4.7M | 4.8M | 4.8M | 4.8M | 4.8M | 4.8M | 4.7M | 4.7M | 4.7M |
| Valuation | |||||||||||||
| P/E Ratio | 8.4 | 8.5 | 14.4 | 20.0 | 10.6 | 15.9 | 9.1 | 10.1 | 8.5 | 8.0 | 10.0 | N/A | 12.7 |
| P/FCF | 6.3 | 8.6 | 7.9 | 11.6 | 8.1 | 18.4 | 10.4 | 9.8 | 8.1 | 5.6 | 9.5 | N/A | 11.7 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 94.8 |
| Price/Book | 0.8 | 0.8 | 1.0 | 1.4 | 1.1 | 1.2 | 0.7 | 0.8 | 0.8 | 0.7 | 0.7 | N/A | 1.2 |
| Price/Sales | 1.5 | 1.6 | 1.8 | 2.3 | 3.0 | 2.7 | 1.9 | 2.0 | 2.2 | 1.8 | 1.7 | N/A | 2.1 |
| FCF Yield | 15.7% | 11.6% | 11.7% | 8.5% | 12.2% | 5.4% | 9.7% | 10.2% | 12.3% | 17.9% | 10.6% | N/A | 8.6% |
| Market Cap | 68M | 73M | 100M | 150M | 126M | 158M | 94M | 119M | 114M | 101M | 110M | 0 | 199M |
| Avg. Price | 15.64 | 16.75 | 16.93 | 25.09 | 33.26 | 29.23 | 20.94 | 21.73 | 25.72 | 22.50 | 22.64 | 0.00 | 42.14 |
| Year-End Price | 16.43 | 17.61 | 21.12 | 31.53 | 26.37 | 32.94 | 19.62 | 24.83 | 23.68 | 21.37 | 23.36 | 0.00 | 42.14 |
OHIO VALLEY BANC CORP passes 3 of 9 quality checks, indicating weak fundamentals.
OHIO VALLEY BANC CORP trades at 14.0x trailing earnings, compared to its 15-year median P/E of 10.1x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 17.1x vs a median of 9.5x. The company's 5-year average ROIC is 8.7%. Total shareholder yield (dividends) is 2.2%. At current prices, the estimated annualized return to fair value is +5.6%.
OHIO VALLEY BANC CORP (OVBC) has a net profit margin of 16.6%. This is a healthy margin.
OHIO VALLEY BANC CORP (OVBC) generated $17 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
OHIO VALLEY BANC CORP (OVBC) has a debt-to-equity ratio of 0.03. This indicates a conservatively financed balance sheet.
OHIO VALLEY BANC CORP (OVBC) reported earnings per share (EPS) of $3.31 in its most recent fiscal year.
OHIO VALLEY BANC CORP (OVBC) has a return on equity (ROE) of 9.7%. This indicates moderate shareholder returns.
The Ledger Terminal provides 16 years of financial data for OHIO VALLEY BANC CORP (OVBC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
OHIO VALLEY BANC CORP (OVBC) has a book value per share of $36.12, based on its most recent annual SEC filing.