OVBC

MKT CAP:$216M

Ohio Valley Banc Corp.

Market Cap

$216M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$46.25+$6.72 (+17.00%)

Apr 22, 2026

Company Details

Ohio Valley Banc Corp. operates as the bank holding company for The Ohio Valley Bank Company that provides commercial and consumer banking products and services. The company operates in two segments, Banking and Consumer Finance. It accepts...

CEO

Larry E. Miller

IPO Date

Nov 4, 1994

Website

www.ovbc.com

Key Metrics TTM

Revenue

$94M

+5.9% YoY

Net Income

$16M

EPS (Diluted)

$3.31

Free Cash Flow

$17M

Revenue / Share

$20.00

Gross Margin

67.6%

Operating Margin

20.6%

Net Margin

16.6%

FCF Margin

18.1%

P/S

2.3x

P/E

13.8x

Earnings Reports

FY 2025

Mar 13, 2026

$94M+5.9%EPS $3.31

Q4 2025

Mar 13, 2026

$24M-1.5%EPS $0.84

Q3 2025

Nov 14, 2025

$23M+4.7%EPS $0.64

Q2 2025

Aug 14, 2025

$24M+11.9%EPS $0.89

Q1 2025

May 15, 2025

$23M+9.7%EPS $0.94

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q1 22	$14M	$15M	$5M
Q2 22	$14M	$12M	$2M
Q3 22	$15M	$15M	$4M
Q4 22	$14M	$13M	$4M
Q1 23	$18M	$15M	$5M
Q2 23	$18M	$14M	$4M
Q3 23	$19M	$13M	$3M
Q4 23	$21M	$14M	$4M
Q1 24	$21M	$14M	$3M
Q2 24	$21M	$14M	$4M
Q3 24	$22M	$15M	$3M
Q4 24	$24M	$16M	$3M
Q1 25	$23M	$16M	$6M
Q2 25	$24M	$16M	$5M
Q3 25	$23M	$15M	$4M
Q4 25	$24M	$16M	$5M

Valuation

Quarter	P/S	P/E
Q1 22	4.0x	17.5x
Q2 22	4.0x	18.8x
Q3 22	3.9x	17.8x
Q4 22	3.7x	16.2x
Q1 23	3.5x	16.5x
Q2 23	3.3x	15.0x
Q3 23	3.2x	16.7x
Q4 23	2.9x	17.1x
Q1 24	2.8x	18.7x
Q2 24	2.6x	19.2x
Q3 24	2.5x	18.4x
Q4 24	2.4x	19.6x
Q1 25	2.4x	17.1x
Q2 25	2.3x	15.6x
Q3 25	2.3x	15.2x
Q4 25	2.3x	13.8x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$3M	$2M
Q2 22	$3M	$2M
Q3 22	$5M	$4M
Q4 22	$6M	$5M
Q1 23	$4M	$4M
Q2 23	$4M	$3M
Q3 23	$6M	$5M
Q4 23	$7M	$6M
Q1 24	$928.0K	$234.0K
Q2 24	$4M	$4M
Q3 24	$6M	$5M
Q4 24	$2M	$2M
Q1 25	$496.0K	$138.0K
Q2 25	$4M	$4M
Q3 25	$5M	$5M
Q4 25	$8M	$8M

Capital Expenditures

Quarter	CapEx
Q1 22	$202.0K
Q2 22	$746.0K
Q3 22	$714.0K
Q4 22	$326.0K
Q1 23	$430.0K
Q2 23	$992.0K
Q3 23	$562.0K
Q4 23	$705.0K
Q1 24	$694.0K
Q2 24	$323.0K
Q3 24	$183.0K
Q4 24	$233.0K
Q1 25	$358.0K
Q2 25	$109.0K
Q3 25	$341.0K
Q4 25	$229.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 22	-0.6%	-8.7%
Q2 22	+1.1%	+11.6%
Q3 22	+9.5%	+4.0%
Q4 22	+14.6%	+5.7%
Q1 23	+22.1%	+37.6%
Q2 23	+27.9%	+20.3%
Q3 23	+22.1%	+48.5%
Q4 23	+43.8%	+62.2%
Q1 24	+21.7%	+40.2%
Q2 24	+20.4%	+28.1%
Q3 24	+20.3%	+19.9%
Q4 24	+15.6%	+24.3%
Q1 25	+9.7%	-0.5%
Q2 25	+11.9%	+5.5%
Q3 25	+4.7%	+3.1%
Q4 25	-1.5%	-10.9%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$0	0.0%
Q2 22	$0	0.0%
Q3 22	$0	0.0%
Q4 22	$0	0.0%
Q1 23	$0	0.0%
Q2 23	$0	0.0%
Q3 23	$0	0.0%
Q4 23	$0	0.0%
Q1 24	$0	0.0%
Q2 24	$0	0.0%
Q3 24	$0	0.0%
Q4 24	$0	0.0%
Q1 25	$0	0.0%
Q2 25	$0	0.0%
Q3 25	$0	0.0%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q1 22	$6M	$229.0K
Q2 22	$6M	$229.0K
Q3 22	$6M	$260.0K
Q4 22	$3M	$710.0K
Q1 23	$6M	$241.0K
Q2 23	$6M	$241.0K
Q3 23	$6M	$241.0K
Q4 23	$6M	$287.0K
Q1 24	$6M	$225.0K
Q2 24	$6M	$221.0K
Q3 24	$7M	$228.0K
Q4 24	$9M	$146.0K
Q1 25	$6M	$279.0K
Q2 25	$500.0K	$279.0K
Q3 25	$7M	$280.0K
Q4 25	$288	$367

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 22	$166M	$190M	$355M
Q2 22	$96M	$194M	$290M
Q3 22	$115M	$185M	$300M
Q4 22	$48M	$184M	$232M
Q1 23	$91M	$180M	$270M
Q2 23	$57M	$175M	$232M
Q3 23	$91M	$167M	$258M
Q4 23	$128M	$162M	$290M
Q1 24	$129M	$162M	$291M
Q2 24	$108M	$163M	$270M
Q3 24	$82M	$271M	$353M
Q4 24	$83M	$199M	$282M
Q1 25	$121M	$202M	$323M
Q2 25	$55M	$210M	$265M
Q3 25	$89M	$212M	$301M
Q4 25	$14.8K	$253.9K	$268.8K

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q1 22	5M	-0.1%	-0.6%
Q2 22	5M	+0.2%	-0.3%
Q3 22	5M	0.0%	-0.3%
Q4 22	5M	0.0%	+0.2%
Q1 23	5M	+0.0%	+0.3%
Q2 23	5M	+0.1%	+0.1%
Q3 23	5M	-0.0%	+0.1%
Q4 23	5M	-0.0%	+0.0%
Q1 24	5M	+0.3%	+0.3%
Q2 24	5M	-1.0%	-0.8%
Q3 24	5M	-0.6%	-1.3%
Q4 24	5M	0.0%	-1.3%
Q1 25	5M	+0.5%	-1.0%
Q2 25	5M	-0.5%	-0.6%
Q3 25	5M	0.0%	0.0%
Q4 25	5M	0.0%	0.0%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q1 22	$54.5K	264
Q2 22	$52.5K	264
Q3 22	$57.4K	264
Q4 22	$50.7K	284
Q1 23	$61.8K	284
Q2 23	$62.4K	284
Q3 23	$65.1K	284
Q4 23	$72.9K	284
Q1 24	$75.3K	284
Q2 24	$75.2K	284
Q3 24	$78.4K	284
Q4 24	$88.3K	271
Q1 25	$86.5K	271
Q2 25	$88.1K	271
Q3 25	$86.0K	271
Q4 25	$87.7K	269

Revenue / Employee