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Ohio Valley Banc Corp

OVBC

Ohio Valley Banc Corp is a financial holding company that provides community banking and consumer finance services through its subsidiaries.

Market cap
$197.91M+26.5%
Revenue$68.1M+6.6%
Net income$15.5M+22.8%
Free cash flow$23.7M+105%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 26, 2026 (in 3 months)

Financials

Q1 2026

Income statement

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Revenue$18.2M+8.3%
Net income$4.3M-2.5%

Balance sheet

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Cash & equivalents$125.3M+3.9%
Total debt$24.6M+67.2%
Total equity$171.3M+10.0%
Total assets$1.7B+10.9%

Cash flow

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Operating cash flow$7.2M+1,350%
CapEx$387.0K+8.1%
Free cash flow$6.8M+4,830%

Valuation & ratios

Valuation

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Market cap$197.91M+26.5%
Enterprise value$97.19M-18.9%
P/E12.8×+1.3×
P/S2.9×+0.5×

Profitability

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Net margin22.7%+3.0pp
FCF margin34.8%+16.7pp

Returns & leverage

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Return on equity9.5%+1.1pp
Debt / equity0.1×0.0×

Competitors

Profile

Ohio Valley Banc Corp is a financial holding company that provides community banking and consumer finance services through its subsidiaries. The company offers a range of commercial and retail banking products, including deposit accounts, mortgage lending, and trust services, alongside specialized consumer lending for higher credit risk individuals. Its core value proposition centers on relationship-driven community banking across southeastern Ohio and western West Virginia.

Competitive position

A community-focused regional player competing against larger regional institutions and non-bank financial service providers through localized relationships and specialized tax-related lending.

GeographiesOhio, West Virginia, United States
Customer segmentsB2C, SMB, High-net-worth individuals
Business modelInterest-based lending, Fee-based services, Asset management
SuppliersFederal Reserve Board, Federal Home Loan Bank of Cincinnati, Depositors, Third-party technology vendors
CustomersResidential homebuyers, Small business owners, Commercial real estate developers, Retail banking customers, Tax preparation clients
Listed1994
Employees284.0
CEOLarry E. Miller
Websiteovbc.com
FilingsSEC EDGAR

Questions, answered.

What is Ohio Valley Banc Corp's market cap?
Ohio Valley Banc Corp (OVBC) has a market capitalization of $197.9M and trades on NASDAQ.
What is Ohio Valley Banc Corp's revenue and profitability?
Ohio Valley Banc Corp generated $68.1M in trailing twelve-month revenue with net income of $15.5M, representing a net margin of 22.7%, with free cash flow of $23.7M. These figures are based on the Q1 2026 filing.
Who are Ohio Valley Banc Corp's competitors?
Ohio Valley Banc Corp's key competitors include Huntington Bancshares, JPMorgan Chase & Co., Fifth Third Bancorp, and others. These companies compete in similar markets and product categories.
Who does Ohio Valley Banc Corp partner with?
Ohio Valley Banc Corp's notable partners include Federal Home Loan Mortgage Corporation, IntraFi Network, Federal Home Loan Bank of Cincinnati.
What subsidiaries does Ohio Valley Banc Corp have?
Ohio Valley Banc Corp's subsidiaries include The Ohio Valley Bank Company, Loan Central, Inc., Ohio Valley Financial Services Agency, LLC, and others.
Where is Ohio Valley Banc Corp headquartered?
Ohio Valley Banc Corp is headquartered in United States of America and employs approximately 284 people. It has been publicly traded since 1994.