# Ohio Valley Banc Corp. (OVBC)

> Source: Nexqual · https://nexqual.com/OVBC · data as of 2026-10-23 20:00 UTC · cite as "Nexqual, Ohio Valley Banc Corp. (OVBC), nexqual.com/OVBC" · informational, not investment advice.

**Price:** USD 47.32 (+0.68% on the day) · last close of Oct 23, 2026; US market after hours, not a live price. Prev close 47 · day 46.7–47.36 · 52w 34.18–54.96 · market cap $223M · NGM

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $69.3M, net income $14.2M (20.5% margin) (SEC filings).
- Valuation: P/E 15.7x.
- Total return with dividends: 1Y +34.8% vs S&P 500 +13.4%; 5Y +98.9% vs S&P 500 +76.9%.
- Next earnings: 2026-10-26, EPS estimate USD —, revenue estimate $0K.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $50.9M | $54.9M | $58.7M | $62.0M | $66.7M | $69.3M |
| Net income | $11.7M | $13.3M | $12.6M | $11.0M | $15.6M | $14.2M |
| Free cash flow | $12.1M | $14.0M | $18.1M | $11.7M | $17.0M | $19.7M |
| Net margin | 23.1% | 24.3% | 21.5% | 17.7% | 23.4% | 20.5% |
| Revenue growth | -1.1% | +8.0% | +6.8% | +5.7% | +7.6% | — |
| Cash + short-term investments | $152M | $46.0M | $128M | $83.1M | $45.9M | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)
P/E 15.7x · P/S 3.2x · P/FCF 11.3x · P/B 1.3x · FCF yield 8.84% · Earnings yield 6.37% · Dividend yield (paid, TTM) 1.99%

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-24) | 5Y (from 2021-10-25) |
|---|---|---|
| Total return | +34.8% | +98.9% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | +35.0% | +14.8% |
| Volatility (annualized) | 25.8% | 29.1% |
| Max drawdown | -17.0% (Jun 2026→Jul 2026) | -35.4% (Aug 2022→Jul 2024) |

## Peers (Banks - Regional)
BBD (Banco Bradesco Sa) USD 4.07 +3.04% · FITB (Fifth Third Bancorp) USD 52.98 -0.47% · DB (Deutsche Bank AG) USD 31.2 -0.89% · TFC (Truist Financial Corporation) USD 48.44 +0.04% · NWG (NatWest Group plc) USD 16.8 -1.12% · NU (Nu Holdings Ltd.) USD 15.16 +2.92%

## More
Full page: https://nexqual.com/OVBC · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Supply chain and relationships (SEC annual reports)

Named in OVBC's own 10-K filed 2026-03-13 (https://www.sec.gov/Archives/edgar/data/894671/000114036126009342/sec10k123125.htm):

| Relationship | Company | Sentence in the filing |
|---|---|---|
| Customer | FEDERAL HOME LOAN MORTGAGE CORP (FMCC) | "The Bank continues to sell a portion of its new fixed-rate real estate loan originations to the Federal Home Loan Mortgage Corporation to enhance customer service and loan pricing." |

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2011-09-30) | — | — | — | $0 | — |
| Next quarter | — | — | — | $0 | — |
| Current fiscal year (ends 2011-12-31) | — | — | — | $0 | — |
| Next fiscal year | — | — | — | $0 | — |