OHIO VALLEY BANC CORP

OVBC

OHIO VALLEY BANC CORP

OVBC

Insider Sentiment (TTM):

Last Purchase:2026-05-12Last Sale:2025-12-11Shares Purchased (TTM):328.09Shares Sold (TTM):6,250

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:1,385,630Shares Outstanding:4,711,001Institutional Ownership Pct.:29.41%

Earnings Market Reaction:

Filing Date:2026-08-13Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Cash And Due From Banks	16	16	15	17	17	19	16	19	15	15	14	16
Interest Bearing Deposits In Banks	63	109	31	72	38	102	67	63	93	114	114	75
Cash And Cash Equivalents At Carrying Value	78	125	46	89	55	121	83	82	108	129	128	91
Certificates Of Deposit At Carrying Value	-	-	-	-	-	-	-	-	-	-	0	0
Available For Sale Securities Debt Securities	250	251	254	261	265	259	268	271	163	162	162	167
Debt Securities Held To Maturity Amortized Cost Af…	5	5	5	6	6	7	7	8	8	8	8	9
Restricted Investments	5	5	5	5	5	5	5	5	5	5	5	5
Notes Receivable Gross	1,246	1,215	1,196	1,131	1,101	1,043	1,062	1,049	1,040	990	972	961
Financing Receivable Allowance For Credit Losses	-	-13	-12	-11	-11	-10	-10	-10	-9	-9	-9	-8
Assets
Assets	1,661	1,678	1,583	1,570	1,510	1,513	1,503	1,494	1,403	1,373	1,352	1,314
Notes Receivable Net	1,230	1,202	1,184	1,119	1,090	1,033	1,052	1,039	1,031	981	963	953
Property Plant And Equipment Net	22	21	21	21	21	21	21	21	21	22	21	21
Disposal Group Including Discontinued Operation Pr…	0	0	0	0	0	1	1	1	1	1	1	1
Accrued Investment Income Receivable	5	6	5	6	5	5	5	5	4	4	4	4
Goodwill	7	7	7	7	7	7	7	7	7	7	7	7
Intangible Assets Net Excluding Goodwill	-	-	-	-	-	-	0	0	0	0	0	0
Bank Owned Life Insurance	43	43	43	43	42	42	42	42	41	41	41	40
Operating Lease Right Of Use Asset	1	1	1	1	1	1	1	1	1	1	1	1
Deferred Income Tax Assets Net	6	6	6	6	6	7	7	5	6	6	6	7
Other Assets	7	5	4	6	5	5	4	7	7	5	5	7
Noninterest Bearing Deposit Liabilities	319	333	314	323	331	321	322	316	343	307	322	327
Interest Bearing Deposit Liabilities	1,089	1,091	1,016	1,010	945	963	953	945	835	842	805	769
Deposits	1,408	1,424	1,330	1,332	1,277	1,284	1,275	1,261	1,178	1,149	1,127	1,096
Other Borrowings	42	44	45	36	37	38	40	41	42	43	45	46
Liabilities
Liabilities	1,488	1,506	1,412	1,406	1,350	1,357	1,353	1,342	1,258	1,227	1,208	1,177
Subordinated Debt	9	9	9	9	9	9	9	9	9	9	9	9
Operating Lease Liability	1	1	1	1	1	1	1	1	1	1	1	1
Off Balance Sheet Credit Loss Liability	1	1	1	1	1	1	1	1	1	1	1	1
Accrued Liabilities Current And Noncurrent	27	29	28	27	26	25	28	29	27	25	26	25
Common Stock Value	5	5	5	5	5	5	5	5	5	5	5	5
Additional Paid In Capital Common Stock	52	52	52	52	52	52	52	52	52	52	52	52
Retained Earnings Accumulated Deficit	138	136	133	130	128	125	122	120	119	117	115	113
Accumulated Other Comprehensive Income Loss Net Of…	-4	-4	-2	-5	-7	-8	-10	-7	-12	-12	-11	-16
Treasury Stock Value	-19	-19	-19	-19	-19	-19	-19	-19	-19	-17	-	-17
Treasury Stock Common Value	-	-	-	-	-	-	-19	-	-	-	-17	-
Stockholders Equity
Liabilities And Stockholders Equity	1,661	1,678	1,583	1,570	1,510	1,513	1,503	1,494	1,403	1,373	1,352	1,314
Stockholders Equity	173	171	170	164	161	156	150	152	146	146	144	137
Debt Securities Held To Maturity Allowance For Cre…	0	0	0	0	0	0	0	0	0	0	0	0
Held To Maturity Securities Fair Value	-	-	-	-	-	-	-	-	-	7	7	8
Common Stock Par Or Stated Value Per Share	1	1	1	1	1	1	1	1	1	1	1	1
Common Stock Shares Authorized	10	10	10	10	10	10	10	10	10	10	10	10
Common Stock Shares Issued	5	5	5	5	5	5	5	5	5	5	5	5
Treasury Stock Common Shares	1	1	1	1	1	1	1	1	1	1	1	1

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	6.15%	-6.06%	-6.59%	-	-	-	-	-	-	-	-	-
2025	-17.92%	-10.24%	-16.04%	3.40%	2.32%	-0.20%	15.08%	11.23%	16.43%	7.43%	9.50%	17.26%
2024	-5.71%	-17.12%	2.46%	2.98%	2.09%	1.18%	5.03%	-7.70%	-5.43%	-9.19%	26.79%	10.02%
2023	-	-	-	-2.47%	-4.38%	-9.63%	0.81%	-7.83%	3.24%	-4.66%	-5.83%	-3.72%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.71	-0.68	-0.66	-0.68	-0.68	-0.69	-0.40	0.05	0.64	1.68	1.96	2.41
Per Share Metrics
Free Cash Flow Per Share TTM	4.18	5.03	3.62	2.47	2.56	2.46	2.46	3.27	3.25	3.03	3.78	3.68
Dividend Per Share TTM	0.93	0.92	0.91	0.68	0.67	0.88	0.88	0.89	0.89	1.03	1.02	1.01
Margin Metrics
Gross Profit Margin TTM	66.80%	67.67%	67.75%	67.16%	66.44%	65.17%	64.42%	61.73%	63.08%	66.04%	71.05%	81.28%
Operating Profit Margin TTM	19.43%	21.79%	22.82%	21.30%	21.30%	19.95%	17.66%	19.51%	19.59%	21.08%	24.57%	26.46%
Net Profit Margin TTM	15.73%	17.62%	18.30%	17.18%	17.26%	16.19%	14.52%	16.07%	16.20%	17.51%	20.42%	22.32%
Growth Metrics
Net Revenue Growth (1Y)	12.56%	12.88%	12.50%	13.10%	15.67%	18.44%	22.47%	25.74%	27.21%	29.56%	29.92%	27.16%
Net Income Growth (1Y)	2.59%	22.84%	41.84%	20.96%	23.23%	9.52%	-12.92%	-9.47%	-21.79%	-12.23%	-5.30%	6.72%
EPS Growth (1Y)	2.59%	22.84%	42.62%	20.96%	23.99%	11.26%	-12.23%	-8.24%	-21.19%	-12.46%	-5.41%	6.64%
Valuation Metrics
P/E TTM	14.31	13.19	11.87	12.02	10.64	9.39	9.96	9.23	7.91	9.44	8.00	8.17
P/B TTM	1.17	1.19	1.09	1.04	0.92	0.76	0.73	0.71	0.61	0.75	0.70	0.77
P/S TTM	2.25	2.32	2.17	2.07	1.84	1.52	1.45	1.48	1.28	1.65	1.63	1.82
Market Cap	203.39M	204.29M	185.18M	170.18M	147.33M	118.37M	109.56M	108.10M	88.89M	108.69M	101.07M	105.64M
Enterprise Value	125.30M	78.96M	139.29M	80.86M	92.71M	-2.24M	26.45M	25.90M	-18.79M	-20.37M	-27.06M	14.45M
Calculated Values
Free Cash Flow TTM	19.71M	23.71M	17.05M	11.64M	12.08M	11.57M	11.66M	15.40M	15.40M	14.50M	18.06M	17.59M
Net Debt	-78.08M	-125.33M	-45.90M	-89.32M	-54.63M	-120.61M	-83.11M	-82.20M	-107.68M	-129.06M	-128.13M	-91.19M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-12Purchase

Owner: Barnitz, Anna P

Title: -

Shares: 33

Price/Share: $45.84

Value: $1,499.88

Shares Owned: 8,942

Relationship: Director

Ownership: Direct

2026-05-12Purchase

Owner: Michael, Seth Isaac

Title: -

Shares: 65

Price/Share: $45.84

Value: $3,000.23

Shares Owned: 755

Relationship: Director

Ownership: Direct

2026-02-13Purchase

Owner: Barnitz, Anna P

Title: -

Shares: 35

Price/Share: $42.81

Value: $1,484.65

Shares Owned: 8,863

Relationship: Director

Ownership: Direct

2026-02-13Purchase

Owner: Michael, Seth Isaac

Title: -

Shares: 69

Price/Share: $42.81

Value: $2,969.30

Shares Owned: 686

Relationship: Director

Ownership: Direct

2025-12-11Sale

Owner: Jones, Ryan Joseph

Title: RISK OFFICER/COO

Shares: 6,250

Price/Share: $41.66

Value: $260,375.00

Shares Owned: 27,913

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-05-12	Barnitz, Anna P	Director	-	Direct	Purchase	33	45.84	$1,499.88	8,942	4
2026-05-12	Michael, Seth Isaac	Director	-	Direct	Purchase	65	45.84	$3,000.23	755	4
2026-02-13	Barnitz, Anna P	Director	-	Direct	Purchase	35	42.81	$1,484.65	8,863	4
2026-02-13	Michael, Seth Isaac	Director	-	Direct	Purchase	69	42.81	$2,969.30	686	4
2025-12-11	Jones, Ryan Joseph	Officer	RISK OFFICER/COO	Direct	Sale	6,250	41.66	$260,375.00	27,913	4
2025-11-12	Barnitz, Anna P	Director	-	Direct	Purchase	42	35.75	$1,500.07	8,772	4
2025-11-12	Michael, Seth Isaac	Director	-	Direct	Purchase	84	35.75	$3,000.14	613	4
2025-08-11	Barnitz, Anna P	Director	-	Direct	Purchase	43	34.90	$1,500.00	8,673	4
2025-08-11	Michael, Seth Isaac	Director	-	Direct	Purchase	86	34.90	$3,000.00	526	4
2025-06-05	Roberts, Edward Bryant	Director	-	Direct	Purchase	2,500	31.41	$78,525.00	5,534	4
2025-06-04	Jones, Ryan Joseph	Officer	RISK OFFICER/COO	Direct	Sale	0	32.58	$12.71	34,163	4
2025-05-19	Michael, Seth Isaac	Director	-	Direct	Purchase	79	38.17	$3,000.16	440	4
2025-05-19	Barnitz, Anna P	Director	-	Direct	Purchase	39	38.17	$1,500.08	8,578	4
2025-02-21	Michael, Seth Isaac	Director	-	Direct	Purchase	115	26.08	$3,000.50	360	4
2025-02-21	Barnitz, Anna P	Director	-	Direct	Purchase	58	26.08	$1,500.12	8,468	4
2024-11-22	Barnitz, Anna P	Director	-	Direct	Purchase	59	25.34	$1,500.38	8,339	4
2024-11-22	Michael, Seth Isaac	Director	-	Direct	Purchase	118	25.34	$3,000.51	242	4
2024-08-26	Michael, Seth Isaac	Director	-	Direct	Purchase	123	24.20	$2,976.60	123	4
2024-08-14	Barnitz, Anna P	Director	-	Direct	Purchase	60	24.95	$1,499.99	8,208	4
2024-06-03	Thomas, David W	Director	-	Direct	Sale	1	23.86	$20.04	5,351	4
2024-05-30	Barnitz, Anna P	Director	-	Direct	Purchase	62	24.13	$1,499.92	8,075	4
2024-03-06	Barnitz, Anna P	Director	-	Direct	Purchase	59	25.24	$1,500.27	7,944	4
2023-12-28	Roberts, Edward Bryant	Director	-	Direct	Purchase	234	22.80	$5,346.37	3,034	4
2023-12-27	Stepp, Bryan F	Officer	EVP	Indirect	Purchase	21	22.70	$468.07	534	4
2023-12-07	Barnitz, Anna P	Director	-	Direct	Purchase	64	23.56	$1,499.83	7,812	4
2023-08-31	Barnitz, Anna P	Director	-	Direct	Purchase	60	25.07	$1,499.94	7,636	4
2023-05-16	Barnitz, Anna P	Director	-	Direct	Purchase	60	24.82	$1,499.62	7,576	4
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Institutional Ownership

No data available for chart

2026-03-31

29.41%

Inst. Shares: 1,385,630

Shares Outstanding: 4,711,001

2025-12-31

28.71%

Inst. Shares: 1,352,508

Shares Outstanding: 4,711,001

2025-09-30

25.70%

Inst. Shares: 1,210,937

Shares Outstanding: 4,711,001

2025-06-30

23.06%

Inst. Shares: 1,086,295

Shares Outstanding: 4,711,001

2025-03-31

16.27%

Inst. Shares: 766,403

Shares Outstanding: 4,711,001

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	1,385,630	4,711,001	29.41%
2025-12-31	1,352,508	4,711,001	28.71%
2025-09-30	1,210,937	4,711,001	25.70%
2025-06-30	1,086,295	4,711,001	23.06%
2025-03-31	766,403	4,711,001	16.27%
2024-12-31	659,444	4,736,820	13.92%
2024-09-30	624,909	4,711,001	13.26%
2024-06-30	650,616	4,740,073	13.73%
2024-03-31	593,286	4,785,773	12.40%
2023-12-31	596,809	4,774,607	12.50%
2023-09-30	608,023	4,775,308	12.73%
2023-06-30	571,933	4,776,520	11.97%
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OHIO VALLEY BANC CORP (OVBC) — SEC Financial Statements & Analysis

OHIO VALLEY BANC CORP (OVBC) is a state commercial banks company, incorporated in OH. OHIO VALLEY BANC CORP trades on Nasdaq as: OVBC. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), OHIO VALLEY BANC CORP reported a 12.56% year-over-year revenue growth, a Gross Profit Margin of 66.80% (TTM), a Price-to-Sales (P/S) ratio of 2.25x (TTM), a Price-to-Book (P/B) ratio of 1.17x (TTM), at a market cap of $203.39M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 12.56%
Gross Profit Margin TTM: 66.80%
P/S TTM: 2.25x
P/B TTM: 1.17x
Market Cap: $203.39M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is OHIO VALLEY BANC CORP in?

OHIO VALLEY BANC CORP (OVBC) operates in the State Commercial Banks industry.

What is OVBC's market cap?

OHIO VALLEY BANC CORP (OVBC) has a market capitalization of $203.39M as of 2026-06-30.

What is OVBC's P/E ratio?

OHIO VALLEY BANC CORP (OVBC)'s trailing twelve month P/E ratio is 14.31x as of 2026-06-30.

What exchange does OVBC trade on?

OHIO VALLEY BANC CORP (OVBC) trades on the Nasdaq.

Where is OHIO VALLEY BANC CORP incorporated?

OHIO VALLEY BANC CORP is incorporated in OH.