Ohio Valley Banc Corp (OVBC) Financials

OVBC

Trailing 12 months to June 30, 2026

Revenue $69.3M +4.1% YoY

Net Income $14.2M +2.6% YoY

Free Cash Flow $19.7M +63.2% YoY

Operating Cash Flow $22.9M +77.0% YoY

Market Cap $210.2M as of Oct 5, 2026

Price / Sales 3.0x on $69.3M revenue, trailing 12 months to June 30, 2026

Price / Earnings 14.8x on $14.2M net income, trailing 12 months to June 30, 2026

Price / Book 1.2x on $173.4M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 13, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 13, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the OVBC SEC filings page.

Ohio Valley Banc Corp (OVBC) reported $69.3M in revenue over the twelve months to Jun 30, 2026, up 4.1% from the prior twelve months. 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 2026-10-04

FY2025 shows a more efficient earnings engine, but one financed through a heavily liability-funded balance sheet.

Profitability improved faster than the asset base’s earning yield: return on assets recovered to 1.0% in FY2025 while net income reached $15.6M, after a weaker FY2024. Return on equity reached 9.2%, showing how the bank’s balance-sheet leverage amplifies a modest asset-level return.

Cash conversion broadly supports reported earnings: FY2025 operating cash flow of $18.1M exceeded net income of $15.6M, so accounting profit was accompanied by cash generation. Free cash flow of $17.0M stayed close to operating cash flow because measured capital spending was only $1.0M, indicating limited reinvestment intensity in the reported figures.

The financing structure remains the central operating fact: debt-to-equity was 8.3x, meaning equity is a relatively thin funding layer against the institution’s much larger liability base. Net profitability improved to 23.4% of revenue from 17.8% in FY2024, while selling, general, and administrative expense fell to $24.9M from $27.8M; the rebound therefore reflects both better earnings conversion and lower reported overhead.

Financial Health Signals

Financial Health Score 42/100

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 Corp'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

Ohio Valley Banc Corp earned a return on assets of 1.0% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.7% the prior year. Earnings ranks banks on that return over three years, and Ohio Valley Banc Corp scores 53/100 among other banks.

Growth

Ohio Valley Banc Corp reported revenue of $66.7M in fiscal year 2025, against $62.0M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Ohio Valley Banc Corp scores 44/100 among other banks.

Capital

Ohio Valley Banc Corp funded 10.8% of its assets with shareholders' equity at the end of fiscal year 2025, holding $170.3M of equity against $1.6B of assets. Capital ranks banks on that cushion, and Ohio Valley Banc Corp scores 40/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Ohio Valley Banc Corp scores 31/100 on it among other banks.

Credit Quality

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

Stability

Ohio Valley Banc Corp reported net income of $15.6M in fiscal year 2025, against $11.0M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Ohio Valley Banc Corp scores 82/100 among other banks.

Piotroski F-Score Partial

6/6

Ohio Valley Banc Corp passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.16x

For every $1 of reported earnings, Ohio Valley Banc Corp 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

$18.6M

YoY+6.9%

QoQ+2.2%

5Y CAGR+7.9%

10Y CAGR+6.3%

Ohio Valley Banc Corp generated $18.6M in revenue in Q2 2026. This represents an increase of 6.9% from the same quarter a year earlier. Against the prior quarter it is up 2.2%.

Net Income

$2.9M

YoY-30.5%

QoQ-31.9%

5Y CAGR+0.5%

10Y CAGR+5.5%

Ohio Valley Banc Corp reported $2.9M in net income in Q2 2026. This represents a decrease of 30.5% from the same quarter a year earlier. Against the prior quarter it is down 31.9%.

EBITDA

Not reported for Q2 2026.

EPS (Diluted)

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$370K

YoY-91.5%

QoQ-94.6%

5Y CAGR-34.9%

10Y CAGR-13.7%

Ohio Valley Banc Corp generated $370K in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 91.5% from the same quarter a year earlier. Against the prior quarter it is down 94.6%.

Cash & Debt

$78.1M

YoY+42.9%

QoQ-37.7%

5Y CAGR-9.0%

10Y CAGR+3.1%

Ohio Valley Banc Corp held $78.1M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.25

YoY+8.7%

QoQ+8.7%

5Y CAGR+3.5%

Ohio Valley Banc Corp paid $0.25 per share in dividends in Q2 2026. This represents an increase of 8.7% from the same quarter a year earlier. Against the prior quarter it is up 8.7%.

Shares Outstanding

YoY0.0%

QoQ0.0%

5Y CAGR-0.3%

10Y CAGR+1.3%

Ohio Valley Banc Corp had 5M shares outstanding in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

15.8%

YoY-8.5pp

QoQ-7.9pp

5Y change-6.7pp

10Y change-1.2pp

Ohio Valley Banc Corp's net profit margin was 15.8% in Q2 2026, showing the share of revenue converted to profit. This is down 8.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 7.9 percentage points.

Return on Equity

1.7%

YoY-0.9pp

QoQ-0.8pp

5Y change-0.4pp

10Y change-0.1pp

Ohio Valley Banc Corp's ROE was 1.7% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.9 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.8 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$2.3M

YoY+1983.5%

QoQ+486.8%

5Y CAGR+60.5%

10Y CAGR+26.5%

Ohio Valley Banc Corp invested $2.3M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 1983.5% from the same quarter a year earlier. Against the prior quarter it is up 486.8%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

OVBC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

OVBC quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$69.3M	$66.7M+7.6%	$62.0M+5.7%	$58.7M+6.8%	$54.9M+8.0%	$50.9M-1.1%	$51.4M-1.5%	$52.2M-0.8%	$52.7M+2.9%	$51.2M+14.8%	$44.6M+5.9%	$42.1M-2.7%	$43.3M+5.8%	$40.9M-0.6%	$41.1M+0.1%	$41.1M
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
EPS (Basic)	N/A	$3.31+42.7%	$2.32-12.5%	$2.65-5.4%	$2.80+14.3%	$2.45+14.5%	$2.14+2.9%	$2.08-17.8%	$2.53+58.1%	$1.60+0.6%	$1.59-23.6%	$2.08+5.6%	$1.97-1.5%	$2.00+14.3%	$1.75+19.9%	$1.46
Diluted Shares (Avg)	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	0	0	0	0	0	0	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$18.6M+6.9%	$18.2M+8.3%	$16.2M-4.6%	$16.3M+5.9%	$17.4M+18.5%	$16.8M+12.8%	$17.0M+14.1%	$15.4M+10.7%
SG&A Expenses	$6.6M+5.8%	$6.3M+5.6%	$6.3M-28.3%	$6.4M-3.5%	$6.2M+0.1%	$6.0M-2.5%	$8.8M+53.4%	$6.6M+11.6%
Interest Expense	$8.1M+24.2%	$7.6M+13.9%	$7.4M+6.1%	$7.0M+1.8%	$6.5M-2.8%	$6.7M+2.6%	$7.0M+19.7%	$6.8M+49.8%
Income Tax	$657K-32.7%	$956K-16.6%	$1.0M+83.9%	$714K+24.0%	$976K+50.6%	$1.1M+90.7%	$552K-19.1%	$576K+35.2%
Net Income	$2.9M-30.5%	$4.3M-2.5%	$4.0M+57.3%	$3.0M+11.4%	$4.2M+41.7%	$4.4M+57.8%	$2.5M-22.0%	$2.7M+20.8%
EPS (Basic)	$0.62-30.3%	$0.91-3.2%	$0.84+58.5%	$0.64+10.3%	$0.89+41.3%	$0.94+62.1%	$0.53-22.1%	$0.58+23.4%

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

OVBC Balance Sheet

OVBC quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$1.7B+10.0%	$1.7B+10.9%	$1.6B+5.3%	$1.6B+5.1%	$1.5B+7.6%	$1.5B+10.2%	$1.5B+11.2%	$1.5B+13.7%
Cash & Equivalents	$78.1M+42.9%	$125.3M+3.9%	$45.9M-44.8%	$89.3M+8.7%	$54.6M-49.3%	$120.6M-6.5%	$83.1M-35.1%	$82.2M-9.9%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$7.3M0.0%	$7.3M0.0%	$7.3M0.0%	$7.3M0.0%	$7.3M0.0%	$7.3M0.0%	$7.3M0.0%	$7.3M0.0%
Total Liabilities	$1.5B+10.3%	$1.5B+11.0%	$1.4B+4.4%	$1.4B+4.8%	$1.3B+7.3%	$1.4B+10.6%	$1.4B+12.0%	$1.3B+14.0%
Total Equity	$173.4M+7.9%	$171.3M+10.0%	$170.3M+13.3%	$164.4M+8.1%	$160.8M+10.3%	$155.7M+6.8%	$150.3M+4.4%	$152.2M+11.2%
Retained Earnings	$138.0M+7.6%	$136.2M+8.9%	$133.0M+9.3%	$130.1M+8.3%	$128.2M+8.1%	$125.1M+7.2%	$121.7M+5.9%	$120.2M+6.7%

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

OVBC Cash Flow Statement

OVBC quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Depreciation & Amortization	N/A	$1.7M-1.6%	$1.7M+6.4%	$1.6M+5.6%	$1.5M-0.7%	$1.5M+7.6%	$1.4M+1.0%	$1.4M+8.9%	$1.3M-11.0%	$1.4M+20.0%	$1.2M+23.7%	$965K+10.7%	$872K-7.7%	$945K-18.0%	$1.2M+18.6%	$971K
Stock-Based Compensation	N/A	N/A	N/A	N/A	N/A	N/A	$0-100.0%	$328K+11.2%	$295K-31.1%	$428K-25.6%	$575K	N/A	$351K-45.2%	$640K+3.7%	$617K+24.4%	$496K
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$2.6M-41.0%	$7.2M+1349.6%	$7.8M+226.3%	$5.3M-5.1%	$4.5M+7.1%	$496K-46.6%	$2.4M-63.8%	$5.6M-6.2%
Capital Expenditures	$2.3M+1983.5%	$387K+8.1%	$229K-1.7%	$341K+86.3%	$109K-66.3%	$358K-48.4%	$233K-67.0%	$183K-67.4%
Free Cash Flow	$370K-91.5%	$6.8M+4829.7%	$7.6M+250.9%	$5.0M-8.2%	$4.4M+13.3%	$138K-41.0%	$2.2M-63.4%	$5.4M+0.1%
Investing Cash Flow	-$31.8M+47.7%	-$19.4M-163.8%	-$56.1M-330.3%	-$24.1M+78.4%	-$60.7M-19.0%	$30.4M+257.6%	-$13.0M-1474.8%	-$111.9M-1254.6%
Financing Cash Flow	-$18.1M-85.9%	$91.6M+1276.7%	$4.9M-57.4%	$53.5M-33.8%	-$9.8M-138.3%	$6.7M-65.5%	$11.6M-60.7%	$80.8M+120.2%
Dividends Paid	$1.2M+8.7%	$1.1M+4.5%	$1.1M+4.5%	$1.1M+4.5%	$1.1M+2.7%	$1.0M-1.2%	$1.0M-1.4%	$1.0M-1.4%
Share Buybacks	N/A	N/A	$0-100.0%	$0	N/A	N/A	$14K	$0-100.0%

Not reported in any period shown, so not listed: Depreciation & Amortization, Stock-Based Compensation.

OVBC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

OVBC quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	23.4%+5.6pp	17.8%-3.8pp	21.5%-2.7pp	24.3%+1.2pp	23.1%+3.1pp	20.0%+1.0pp	19.0%-3.7pp	22.7%+8.0pp	14.7%-0.8pp	15.5%-4.8pp	20.4%+1.7pp	18.7%-1.2pp	19.8%+2.7pp	17.1%+2.9pp	14.2%
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
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.060.0x	0.050.0x	0.050.0x	0.05
FCF Margin	25.6%+6.7pp	18.8%-12.0pp	30.8%+5.3pp	25.5%+1.7pp	23.8%+6.2pp	17.6%+1.3pp	16.3%-13.0pp	29.3%+4.3pp	25.0%-1.3pp	26.2%+6.2pp	20.1%-4.7pp	24.7%-4.6pp	29.3%+4.1pp	25.3%-13.0pp	38.3%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	15.8%-8.5pp	23.6%-2.6pp	24.4%+9.6pp	18.5%+0.9pp	24.2%+4.0pp	26.3%+7.5pp	14.8%-6.8pp	17.6%+1.5pp
Return on Equity	1.7%-0.9pp	2.5%-0.3pp	2.3%+0.6pp	1.8%+0.1pp	2.6%+0.6pp	2.8%+0.9pp	1.7%-0.6pp	1.8%+0.1pp
Return on Assets	0.2%-0.1pp	0.3%0.0pp	0.3%+0.1pp	0.2%0.0pp	0.3%+0.1pp	0.3%+0.1pp	0.2%-0.1pp	0.2%0.0pp
Debt-to-Equity	8.58+0.2x	8.79+0.1x	8.30-0.7x	8.55-0.3x	8.40-0.2x	8.72+0.3x	9.00+0.6x	8.82+0.2x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	2.0%-23.1pp	37.4%+36.6pp	46.7%+34.0pp	30.4%-4.7pp	25.1%-1.2pp	0.8%-0.7pp	12.7%-26.9pp	35.1%-3.7pp

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

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Ohio Valley Banc Corp OVBC	FY2025	$66.7M	$15.6M	23.4%	$210.2M	42/100
United Security Bancshares UBFO	FY2025	$53.9M	$12.3M	22.8%	$185.0M	48/100
Meridian Corporation MRBK	FY2025	$126.9M	$21.8M	17.2%	$226.3M	33/100
MainStreet Bancshares, Inc. MNSB	FY2025	$135.6M	$15.6M	11.5%	$177.6M	48/100
CB Financial Services, Inc. (PA) CBFV	FY2025	$43.5M	$4.9M	11.3%	$187.3M	22/100
BV Financial, Inc. BVFL	FY2025	$39.6M	$13.5M	34.1%	$179.8M	66/100

Where Ohio Valley Banc Corp Ranks

Frequently Asked Questions

What is Ohio Valley Banc Corp's annual revenue?

Ohio Valley Banc Corp (OVBC) reported $66.7M in total revenue for fiscal year 2025. This represents a 7.6% 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 Corp's revenue growing?

Ohio Valley Banc Corp (OVBC) revenue grew by 7.6% year-over-year, from $62.0M to $66.7M in fiscal year 2025.

Is Ohio Valley Banc Corp profitable?

Yes, Ohio Valley Banc Corp (OVBC) reported a net income of $15.6M in fiscal year 2025, with a net profit margin of 23.4%.

What is Ohio Valley Banc Corp's net profit margin?

Ohio Valley Banc Corp (OVBC) had a net profit margin of 23.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Ohio Valley Banc Corp pay dividends?

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

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

Ohio Valley Banc Corp (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 Corp's free cash flow?

Ohio Valley Banc Corp (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 Corp's operating cash flow?

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

What are Ohio Valley Banc Corp's total assets?

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

What are Ohio Valley Banc Corp's capital expenditures?

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

How many shares does Ohio Valley Banc Corp have outstanding?

Ohio Valley Banc Corp (OVBC) had 5M shares outstanding as of fiscal year 2025.

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

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

Ohio Valley Banc Corp (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 Corp's P/E ratio?

Ohio Valley Banc Corp (OVBC) trades at 14.8x earnings, its market capitalization divided by net income of $14.2M net income, trailing 12 months to June 30, 2026. The market capitalization is $210.2M as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Ohio Valley Banc Corp's price-to-sales ratio?

Ohio Valley Banc Corp (OVBC) trades at 3.0x sales, its market capitalization divided by revenue of $69.3M revenue, trailing 12 months to June 30, 2026. The market capitalization is $210.2M as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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

Ohio Valley Banc Corp (OVBC) has a Piotroski F-Score of 6 out of 6 computable signals; 3 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 Corp's earnings high quality?

Ohio Valley Banc Corp (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 Corp?

Ohio Valley Banc Corp (OVBC) scores 42 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.