Stocks · Financial Services · Banks - Regional
Ohio Valley Banc Corp. OVBC
$44.61 +0.70% Close, Oct 2, 2026 · NASDAQ · Market cap $210.2M
Next earnings report: Oct 26, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The shares trade at 14.8× trailing earnings, higher than 95% of the company's own readings over the past five years.
- Revenue over the last four quarters was $99.3M, up 6.2% from a year earlier.
- Diluted EPS over the last four quarters was $3.01, up 2.4% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 49%
- EPS growth (TTM, YoY)Bottom 31%
- FCF growth (TTM, YoY)Top 21%
- Revenue growth, 3-year CAGRTop 40%
- Revenue growth accelerationTop 46%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 40%
- Gross marginBottom 44%
- Operating marginBottom 40%
- Cash conversion (OCF / net income)Top 26%
- Accruals (lower is better)Top 42%
- Net debt / EBITDA (lower is better)Bottom 42%
- Interest coverBottom 30%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 49%
- Free-cash-flow yieldTop 31%
- EBITDA / enterprise valueTop 46%
- Sales / enterprise valueTop 34%
- P/E vs own 5-year history (lower is better)Bottom 7%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 26%
- 6-month returnBottom 24%
- 1-year return vs S&P 500Top 29%
- Distance from 52-week highBottom 27%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 42%
- Maximum drawdown, 3 yearsTop 41%
- Beta vs S&P 500 (lower is better)Top 23%
- Net debt / EBITDA (lower is better)Bottom 42%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 6.1% | 6.2% | ↑ |
| EPS growth (YoY) | 22.4% | 2.4% | ↓ |
| Gross margin | 67.9% | 62.9% | ↓ |
| Operating margin | 18.3% | 17.7% | ↓ |
| FCF margin | 12.9% | 22.5% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 6.2% | 6.1% | ↑ | Bottom 49% |
| EPS growth (TTM, YoY) | 2.4% | 22.4% | ↓ | Bottom 31% |
| Gross margin | 62.9% | 67.9% | ↓ | Bottom 44% |
| Operating margin | 17.7% | 18.3% | ↓ | Bottom 40% |
| Net margin | 14.3% | 14.8% | ↓ | — |
| Free-cash-flow margin | 22.5% | 12.9% | ↑ | — |
| Return on invested capital | 0.9% | — | Bottom 40% | |
| Revenue growth, 3-year CAGR | 17.7% | — | Top 40% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.61×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +5.0 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 2.06×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.11%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 2.11%
- Share count change, 1 year
- +0.0%
- Share count change, 3-year CAGR
- -0.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 13, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- -0.1%
- Positive 20 days after report
- 7 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 27, 2026 | — | +1.6% | -0.2% | +5.8% | — |
| Apr 28, 2026 | — | +0.2% | -3.5% | +4.9% | -7.8% |
| Jan 27, 2026 | — | +1.8% | +3.0% | +7.9% | +14.7% |
| Oct 27, 2025 | — | -3.5% | -2.6% | +9.3% | +15.3% |
| Jul 25, 2025 | — | -0.8% | -6.6% | +3.5% | +4.1% |
| Apr 25, 2025 | — | -2.9% | -0.8% | -7.5% | -9.6% |
| Jan 28, 2025 | — | +0.4% | +1.1% | +23.1% | +70.5% |
| Oct 28, 2024 | — | +2.4% | +1.6% | +19.7% | -4.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 27, 2026 | $0.62 | — | — | $26.7M |
| Apr 28, 2026 | $0.91 | — | — | $25.8M |
| Jan 27, 2026 | $0.84 | — | — | $23.6M |
| Oct 27, 2025 | $0.64 | — | — | — |
| Jul 25, 2025 | $0.89 | — | — | $23.9M |
| Apr 25, 2025 | $0.94 | — | — | $23.4M |
| Jan 28, 2025 | $0.53 | — | — | $23.9M |
| Oct 28, 2024 | $0.58 | — | — | $22.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 14.8× | 11.2× | 95th | Top 49% |
| EV / EBITDA | 14.0× | — | — | Top 46% |
| EV / Sales | 2.48× | — | — | Top 34% |
| Free-cash-flow yield | 10.64% | — | — | Top 31% |
| Earnings yield | 6.75% | — | — | Top 49% |
P/E over the past five years
Range 8.3× – 15.4× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +22.2%
- Earnings per share growth (TTM)
- +2.4%
- Change in P/E multiple
- +28.1%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 7
- 50-day average slope (20 days)
- +2.0%
- 200-day average slope (20 days)
- +1.4%
- Distance from 50-day average
- -0.1%
- Distance from 200-day average
- +1.5%
- RSI (14)
- 47.0
- Relative volume
- 0.99×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 22.4%
- Volatility vs own 5-year history
- 19th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.27
- Correlation with S&P 500
- 0.12
- Current drawdown from 1-year high
- -11.0%
- Maximum drawdown, 3 years
- -26.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Aug 23, 2022 | Jul 1, 2024 | -39.8% | 465 days | 200 days (Apr 17, 2025) |
| Mar 10, 2021 | Apr 30, 2021 | -30.7% | 36 days | 329 days (Aug 19, 2022) |
| Apr 21, 2025 | Jun 23, 2025 | -26.4% | 43 days | 61 days (Sep 18, 2025) |
| Jun 12, 2026 | Jul 8, 2026 | -17.0% | 16 days | Not yet recovered |
| Oct 15, 2020 | Nov 6, 2020 | -12.0% | 16 days | 12 days (Nov 24, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $210.2M
- P/E (TTM)
- 14.8
- EPS, diluted (TTM)
- $3.01
- Revenue (TTM)
- $99.3M
- Dividend yield
- 2.15%
- 52-week range
- $34.18 – $54.96
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $54.6M | $57.8M | $74.5M | $88.9M | $94.2M |
| Gross profit | $51.3M | $55.0M | $56.6M | $59.5M | $63.7M |
| Operating income | $14.0M | $15.9M | $15.2M | $13.4M | $19.5M |
| Net income | $11.7M | $13.3M | $12.6M | $11.0M | $15.6M |
| EPS (diluted) | $2.45 | $2.80 | $2.65 | $2.33 | $3.31 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $22.3M | $23.9M | $23.4M | $23.9M | $23.3M | $23.6M | $25.8M | $26.7M |
| Net income | $2.7M | $2.5M | $4.4M | $4.2M | $3.0M | $4.0M | $4.3M | $2.9M |
| EPS (diluted) | $0.58 | $0.53 | $0.94 | $0.89 | $0.64 | $0.84 | $0.91 | $0.62 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $13.1M | $16.0M | $20.7M | $13.1M | $18.1M |
| Capital expenditure | -$1.1M | -$2.0M | -$2.7M | -$1.4M | -$1.0M |
| Free cash flow | $12.1M | $14.0M | $18.1M | $11.7M | $17.0M |
| Dividends paid | -$4.0M | -$4.7M | -$4.9M | -$4.2M | -$4.3M |
| Net share buybacks | -$954,000 | $0 | -$82,000 | -$1.9M | $0 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $15.8M
- Total assets
- $1.66B
- Total liabilities
- $1.49B
- Total debt
- $51.7M
- Net debt
- $36.2M
- Shareholders’ equity
- $173.4M
As of Jun 30, 2026 (filed Aug 13, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Jul 24, 2026 | $0.25 | Aug 10, 2026 |
| Apr 24, 2026 | $0.25 | May 10, 2026 |
| Jan 23, 2026 | $0.23 | Feb 10, 2026 |
| Oct 31, 2025 | $0.23 | Nov 10, 2025 |
| Jul 25, 2025 | $0.23 | Aug 10, 2025 |
| Apr 25, 2025 | $0.23 | May 10, 2025 |
| Jan 24, 2025 | $0.22 | Feb 10, 2025 |
| Oct 25, 2024 | $0.22 | Nov 10, 2024 |
Short interest
- Shares sold short
- 60,517
- Days to cover
- 1.97
- Change vs previous report
- +5.1%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 11, 2005
- 5-for-4
- May 11, 1999
- 5-for-4
- May 11, 1998
- 3-for-2
- May 12, 1997
- 4-for-3
- May 13, 1996
- 4-for-3