Ohio Valley Banc Financials

OVBC

FY2025 annual

Revenue $85.2M +12.5% YoY

Net Income $15.6M +41.8% YoY

EPS (Diluted) Not reported for FY2025

Free Cash Flow $17.0M +46.2% YoY

Source SEC Filings (10-K/10-Q) Data as of Jun 30, 2026 Currency USD FYE December

Ohio Valley Banc (OVBC) reported $85.2M in revenue for fiscal year 2025, up 12.5% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI OVBC FY2025 2026-05-15

Shareholder returns are being driven by a highly leveraged balance sheet, with small changes in asset profitability carrying outsized effects.

ROA rose from 0.7% to 1.0% in FY2025. Because ROE also recovered while debt-to-equity moved lower, the improvement came from earning more on the asset base rather than from stretching the balance sheet further.

Cash conversion was healthier than profit alone suggests: operating cash flow of $18.1M exceeded net income of $15.6M, so reported earnings were backed by cash generation. With capital spending at just $1.0M, the business is light on physical reinvestment and keeps more of that cash available for funding and distributions.

Balance-sheet growth has not come with higher on-hand liquidity; from FY2023 to FY2025, total assets expanded about 17.0% while cash fell to $45.9M. Positive financing inflows in consecutive years imply expansion is being funded through liabilities and capital management, which matters more here than physical capex discipline.

Financial Health Signals

Financial Health Score 40/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Ohio Valley Banc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Not available for Ohio Valley Banc, and counted as zero in the overall score.

Stability

Piotroski F-Score Partial

5/5

Ohio Valley Banc passes 5 of 5 computable financial strength tests (4 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.16x

For every $1 of reported earnings, Ohio Valley Banc generates $1.16 in operating cash flow ($18.1M OCF vs $15.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$85.2M

YoY+12.5%

5Y CAGR+13.0%

10Y CAGR+8.9%

Ohio Valley Banc generated $85.2M in revenue in fiscal year 2025. This represents an increase of 12.5% from the prior year.

Net Income

$15.6M

YoY+41.8%

5Y CAGR+8.7%

10Y CAGR+6.2%

Ohio Valley Banc reported $15.6M in net income in fiscal year 2025. This represents an increase of 41.8% from the prior year.

EBITDA

Not reported for fiscal year 2025.

EPS (Diluted)

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$17.0M

YoY+46.2%

5Y CAGR+13.5%

10Y CAGR+7.3%

Ohio Valley Banc generated $17.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 46.2% from the prior year.

Cash & Debt

$45.9M

YoY-44.8%

5Y CAGR-19.8%

10Y CAGR+0.1%

Ohio Valley Banc held $45.9M in cash as of fiscal year 2025; long-term debt is not reported for that period.

Dividends Per Share

$0.91

YoY+3.4%

5Y CAGR+1.6%

Ohio Valley Banc paid $0.91 per share in dividends in fiscal year 2025. This represents an increase of 3.4% from the prior year.

Shares Outstanding

Not reported for fiscal year 2025.

Margins & Returns

Net Margin

18.3%

YoY+3.8pp

5Y CAGR-3.9pp

10Y CAGR-5.3pp

Ohio Valley Banc's net profit margin was 18.3% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.8 percentage points from the prior year.

Return on Equity

9.2%

YoY+1.8pp

5Y CAGR+1.6pp

10Y CAGR-0.3pp

Ohio Valley Banc's ROE was 9.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.8 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks

YoY-100.0%

Ohio Valley Banc repurchased no shares in fiscal year 2025. This represents a decrease of 100.0% from the prior year.

Capital Expenditures

$1.0M

YoY-27.6%

5Y CAGR-21.4%

10Y CAGR-6.1%

Ohio Valley Banc invested $1.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 27.6% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

OVBC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

OVBC annual income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$90.4M	$85.2M+12.5%	$75.8M+22.5%	$61.9M+29.9%	$47.6M+6.5%	$44.7M-3.2%	$46.2M-8.2%	$50.3M+2.3%	$49.2M+7.6%	$45.7M+16.2%	$39.3M+8.3%	$36.3M-0.1%	$36.4M+1.1%	$36.0M-7.8%	$39.0M-11.4%	$44.0M
SG&A Expenses	$25.6M	$24.9M-10.3%	$27.8M+18.8%	$23.4M+8.2%	$21.6M-0.2%	$21.6M+0.1%	$21.6M-8.0%	$23.5M+6.0%	$22.2M+6.6%	$20.8M+10.3%	$18.9M+7.9%	$17.5M-2.1%	$17.9M+1.8%	$17.6M+0.9%	$17.4M+4.6%	$16.6M
Interest Expense	$30.0M	$27.5M+2.0%	$27.0M+70.2%	$15.8M+458.1%	$2.8M-23.3%	$3.7M-40.3%	$6.2M-14.8%	$7.3M+32.8%	$5.5M+37.6%	$4.0M+31.5%	$3.0M+6.4%	$2.8M-1.3%	$2.9M-19.5%	$3.6M-43.7%	$6.3M-37.6%	$10.2M
Income Tax	$3.3M	$3.9M+62.0%	$2.4M-7.4%	$2.6M-1.0%	$2.6M+13.6%	$2.3M+11.5%	$2.0M+13.0%	$1.8M-19.6%	$2.3M-49.7%	$4.5M+133.6%	$1.9M-31.6%	$2.8M-10.0%	$3.1M+6.2%	$2.9M+6.4%	$2.8M+33.9%	$2.1M
Net Income	$14.2M	$15.6M+41.8%	$11.0M-12.9%	$12.6M-5.3%	$13.3M+13.7%	$11.7M+14.4%	$10.3M+3.6%	$9.9M-17.1%	$11.9M+59.1%	$7.5M+8.5%	$6.9M-19.3%	$8.6M+6.2%	$8.1M-0.5%	$8.1M+15.0%	$7.1M+20.9%	$5.8M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$23.5M+4.5%	$22.5M-1.6%	$22.9M+6.1%	$21.5M+2.4%	$21.0M+6.3%	$19.8M-1.1%	$20.0M+3.2%	$19.4M
SG&A Expenses	$6.6M+3.2%	$6.3M+0.2%	$6.3M-0.5%	$6.4M+2.8%	$6.2M+3.0%	$6.0M-31.9%	$8.8M+33.9%	$6.6M
Interest Expense	$8.1M+6.5%	$7.6M+2.8%	$7.4M+6.2%	$7.0M+6.9%	$6.5M-2.3%	$6.7M-4.2%	$7.0M+1.9%	$6.8M
Income Tax	$657K-31.3%	$956K-5.8%	$1.0M+42.2%	$714K-26.8%	$976K-14.8%	$1.1M+107.6%	$552K-4.2%	$576K
Net Income	$2.9M-31.9%	$4.3M+8.6%	$4.0M+30.5%	$3.0M-28.0%	$4.2M-4.4%	$4.4M+75.2%	$2.5M-7.5%	$2.7M

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EPS (Diluted).

TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.

OVBC Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

OVBC annual balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$1.6B+5.3%	$1.5B+11.2%	$1.4B+11.7%	$1.2B-3.1%	$1.2B+5.3%	$1.2B+17.1%	$1.0B-1.7%	$1.0B+0.4%	$1.0B+7.5%	$954.6M+19.9%	$796.3M+2.3%	$778.7M+4.2%	$747.4M-2.8%	$769.2M-4.3%	$804.2M
Cash & Equivalents	$45.9M-44.8%	$83.1M-35.1%	$128.1M+178.6%	$46.0M-69.8%	$152.0M+9.9%	$138.3M+164.2%	$52.4M-26.4%	$71.2M-4.5%	$74.6M+85.7%	$40.2M-11.8%	$45.5M+47.0%	$31.0M+9.3%	$28.3M-37.9%	$45.7M-11.6%	$51.6M
Goodwill	$7.3M0.0%	$7.3M0.0%	$7.3M0.0%	$7.3M0.0%	$7.3M0.0%	$7.3M0.0%	$7.3M-0.7%	$7.4M0.0%	$7.4M-5.5%	$7.8M+515.7%	$1.3M0.0%	$1.3M0.0%	$1.3M0.0%	$1.3M0.0%	$1.3M
Total Liabilities	$1.4B+4.4%	$1.4B+12.0%	$1.2B+12.3%	$1.1B-2.9%	$1.1B+5.5%	$1.1B+18.7%	$885.1M-3.0%	$912.6M-0.5%	$916.9M+7.9%	$850.1M+20.4%	$705.8M+1.9%	$692.5M+3.8%	$666.9M-3.8%	$693.4M-5.3%	$732.3M
Total Equity	$170.3M+13.3%	$150.3M+4.4%	$144.0M+8.4%	$132.8M-6.0%	$141.4M+3.7%	$136.3M+6.4%	$128.2M+8.7%	$117.9M+7.8%	$109.4M+4.6%	$104.5M+15.5%	$90.5M+4.9%	$86.2M+7.2%	$80.4M+6.1%	$75.8M+5.5%	$71.8M
Retained Earnings	$133.0M+9.3%	$121.7M+5.9%	$114.9M+5.1%	$109.3M+8.6%	$100.7M+8.3%	$93.0M+7.2%	$86.8M+7.3%	$80.8M+11.2%	$72.7M+5.2%	$69.1M+5.1%	$65.8M+8.1%	$60.9M+8.2%	$56.2M+10.1%	$51.1M+5.5%	$48.4M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$1.7B-1.0%	$1.7B+6.0%	$1.6B+0.8%	$1.6B+4.0%	$1.5B-0.2%	$1.5B+0.6%	$1.5B+0.6%	$1.5B
Cash & Equivalents	$78.1M-37.7%	$125.3M+173.1%	$45.9M-48.6%	$89.3M+63.5%	$54.6M-54.7%	$120.6M+45.1%	$83.1M+1.1%	$82.2M
Goodwill	$7.3M0.0%	$7.3M0.0%	$7.3M0.0%	$7.3M0.0%	$7.3M0.0%	$7.3M0.0%	$7.3M0.0%	$7.3M
Total Liabilities	$1.5B-1.2%	$1.5B+6.6%	$1.4B+0.5%	$1.4B+4.2%	$1.3B-0.6%	$1.4B+0.3%	$1.4B+0.8%	$1.3B
Total Equity	$173.4M+1.2%	$171.3M+0.6%	$170.3M+3.6%	$164.4M+2.3%	$160.8M+3.2%	$155.7M+3.6%	$150.3M-1.2%	$152.2M
Retained Earnings	$138.0M+1.3%	$136.2M+2.4%	$133.0M+2.2%	$130.1M+1.5%	$128.2M+2.5%	$125.1M+2.8%	$121.7M+1.2%	$120.2M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.

OVBC Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

OVBC annual cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$22.9M	$18.1M+38.1%	$13.1M-36.9%	$20.7M+29.7%	$16.0M+21.3%	$13.2M+5.6%	$12.5M-15.3%	$14.8M-18.7%	$18.1M+25.1%	$14.5M+8.5%	$13.4M+28.5%	$10.4M-11.0%	$11.7M-11.2%	$13.2M+21.5%	$10.8M-33.1%	$16.2M
Capital Expenditures	$3.2M	$1.0M-27.6%	$1.4M-46.7%	$2.7M+35.3%	$2.0M+83.2%	$1.1M-68.6%	$3.5M-44.6%	$6.2M+128.7%	$2.7M+57.8%	$1.7M+2.6%	$1.7M-13.7%	$1.9M+98.0%	$985K-14.5%	$1.2M+163.6%	$437K-2.7%	$449K
Free Cash Flow	$19.7M	$17.0M+46.2%	$11.7M-35.4%	$18.1M+29.0%	$14.0M+15.7%	$12.1M+33.9%	$9.0M+6.1%	$8.5M-44.7%	$15.4M+20.7%	$12.8M+9.3%	$11.7M+38.3%	$8.4M-21.0%	$10.7M-10.9%	$12.0M+15.5%	$10.4M-33.9%	$15.7M
Investing Cash Flow	-$131.4M	-$110.6M+43.3%	-$195.2M-226.5%	-$59.8M+28.3%	-$83.4M-59.1%	-$52.4M+40.9%	-$88.7M-235.8%	-$26.4M-107.5%	-$12.7M+69.8%	-$42.2M-9.7%	-$38.4M-678.3%	-$4.9M+83.5%	-$29.9M-3059.3%	-$946K-103.6%	$26.4M-16.3%	$31.5M
Financing Cash Flow	$131.9M	$55.3M-59.6%	$137.1M+13.1%	$121.2M+413.6%	-$38.6M-173.0%	$52.9M-67.3%	$162.1M+2362.0%	-$7.2M+18.6%	-$8.8M-114.2%	$62.1M+215.1%	$19.7M+116.7%	$9.1M-56.4%	$20.8M+170.6%	-$29.5M+31.6%	-$43.2M+22.6%	-$55.8M
Dividends Paid	$4.4M	$4.3M+2.6%	$4.2M-14.2%	$4.9M+3.2%	$4.7M+17.5%	$4.0M-0.1%	$4.0M+0.5%	$4.0M+0.8%	$4.0M+0.9%	$3.9M+9.7%	$3.6M-2.2%	$3.7M+6.5%	$3.4M+16.1%	$3.0M-32.5%	$4.4M+30.7%	$3.4M
Share Buybacks	N/A	$0-100.0%	$1.9M+2272.0%	$82K	$0-100.0%	$954K	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$2.6M-63.3%	$7.2M-7.8%	$7.8M+46.8%	$5.3M+18.6%	$4.5M+802.8%	$496K-79.2%	$2.4M-57.3%	$5.6M
Capital Expenditures	$2.3M+486.8%	$387K+69.0%	$229K-32.8%	$341K+212.8%	$109K-69.6%	$358K+53.6%	$233K+27.3%	$183K
Free Cash Flow	$370K-94.6%	$6.8M-10.1%	$7.6M+52.2%	$5.0M+13.8%	$4.4M+3065.9%	$138K-93.6%	$2.2M-60.2%	$5.4M
Investing Cash Flow	-$31.8M-64.0%	-$19.4M+65.5%	-$56.1M-132.8%	-$24.1M+60.3%	-$60.7M-300.0%	$30.4M+332.6%	-$13.0M+88.3%	-$111.9M
Financing Cash Flow	-$18.1M-119.8%	$91.6M+1761.5%	$4.9M-90.8%	$53.5M+648.4%	-$9.8M-246.6%	$6.7M-42.4%	$11.6M-85.7%	$80.8M
Dividends Paid	$1.2M+8.7%	$1.1M+0.1%	$1.1M0.0%	$1.1M-0.1%	$1.1M+4.5%	$1.0M+0.1%	$1.0M0.0%	$1.0M
Share Buybacks	N/A	N/A	$0	$0	N/A	N/A	$14K	$0

OVBC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

OVBC annual financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	18.3%+3.8pp	14.5%-5.9pp	20.4%-7.6pp	28.0%+1.8pp	26.2%+4.0pp	22.2%+2.5pp	19.7%-4.6pp	24.3%+7.8pp	16.4%-1.2pp	17.6%-6.0pp	23.6%+1.4pp	22.2%-0.4pp	22.6%+4.5pp	18.1%+4.8pp	13.3%
Return on Equity	9.2%+1.8pp	7.3%-1.4pp	8.8%-1.3pp	10.0%+1.7pp	8.3%+0.8pp	7.5%-0.2pp	7.7%-2.4pp	10.1%+3.3pp	6.9%+0.3pp	6.6%-2.9pp	9.5%+0.1pp	9.4%-0.7pp	10.1%+0.8pp	9.3%+1.2pp	8.1%
Return on Assets	1.0%+0.3pp	0.7%-0.2pp	0.9%-0.2pp	1.1%+0.2pp	0.9%+0.1pp	0.9%-0.1pp	1.0%-0.2pp	1.2%+0.4pp	0.7%0.0pp	0.7%-0.4pp	1.1%0.0pp	1.0%-0.1pp	1.1%+0.2pp	0.9%+0.2pp	0.7%
Debt-to-Equity	8.30-0.7x	9.00+0.6x	8.39+0.3x	8.10+0.3x	7.84+0.1x	7.71+0.8x	6.91-0.8x	7.74-0.6x	8.38+0.3x	8.13+0.3x	7.80-0.2x	8.03-0.3x	8.29-0.9x	9.15-1.0x	10.19
FCF Margin	20.0%+4.6pp	15.4%-13.8pp	29.2%-0.2pp	29.4%+2.3pp	27.1%+7.5pp	19.6%+2.6pp	16.9%-14.4pp	31.3%+3.4pp	27.9%-1.8pp	29.7%+6.4pp	23.3%-6.2pp	29.4%-4.0pp	33.4%+6.7pp	26.7%-9.1pp	35.7%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	12.5%-6.7pp	19.1%+1.8pp	17.3%+3.3pp	14.1%-5.9pp	20.0%-2.2pp	22.3%+9.7pp	12.6%-1.5pp	14.0%
Return on Equity	1.7%-0.8pp	2.5%+0.2pp	2.3%+0.5pp	1.8%-0.8pp	2.6%-0.2pp	2.8%+1.2pp	1.7%-0.1pp	1.8%
Return on Assets	0.2%-0.1pp	0.3%0.0pp	0.3%+0.1pp	0.2%-0.1pp	0.3%0.0pp	0.3%+0.1pp	0.2%0.0pp	0.2%
Debt-to-Equity	8.58-0.2x	8.79+0.5x	8.30-0.3x	8.55+0.2x	8.40-0.3x	8.72-0.3x	9.00+0.2x	8.82
FCF Margin	1.6%-28.7pp	30.3%-2.8pp	33.1%+10.0pp	23.1%+2.3pp	20.8%+20.1pp	0.7%-10.1pp	10.8%-17.1pp	27.9%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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Where Ohio Valley Banc Ranks

Frequently Asked Questions

What is Ohio Valley Banc's annual revenue?

Ohio Valley Banc (OVBC) reported $85.2M in total revenue for fiscal year 2025. This represents a 12.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Ohio Valley Banc's revenue growing?

Ohio Valley Banc (OVBC) revenue grew by 12.5% year-over-year, from $75.8M to $85.2M in fiscal year 2025.

Is Ohio Valley Banc profitable?

Yes, Ohio Valley Banc (OVBC) reported a net income of $15.6M in fiscal year 2025, with a net profit margin of 18.3%.

What is Ohio Valley Banc's net profit margin?

Ohio Valley Banc (OVBC) had a net profit margin of 18.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Ohio Valley Banc pay dividends?

Yes, Ohio Valley Banc (OVBC) paid $0.91 per share in dividends during fiscal year 2025.

What is Ohio Valley Banc's return on equity (ROE)?

Ohio Valley Banc (OVBC) has a return on equity of 9.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Ohio Valley Banc's free cash flow?

Ohio Valley Banc (OVBC) generated $17.0M in free cash flow during fiscal year 2025. This represents a 46.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Ohio Valley Banc's operating cash flow?

Ohio Valley Banc (OVBC) generated $18.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Ohio Valley Banc's total assets?

Ohio Valley Banc (OVBC) had $1.6B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Ohio Valley Banc's capital expenditures?

Ohio Valley Banc (OVBC) invested $1.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

What is Ohio Valley Banc's debt-to-equity ratio?

Ohio Valley Banc (OVBC) had a debt-to-equity ratio of 8.30 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Ohio Valley Banc's return on assets (ROA)?

Ohio Valley Banc (OVBC) had a return on assets of 1.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Ohio Valley Banc's Piotroski F-Score?

Ohio Valley Banc (OVBC) has a Piotroski F-Score of 5 out of 5 computable signals; 4 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Ohio Valley Banc's earnings high quality?

Ohio Valley Banc (OVBC) has an earnings quality ratio of 1.16x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Ohio Valley Banc?

Ohio Valley Banc (OVBC) scores 40 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.