Ohio Valley Banc Corp. (OVBC) Stock

Ohio Valley Banc Corp. (OVBC) is a Financials stock trading at $44.49 (as of 2026-08-21), with a market capitalization of $209.59M and a trailing P/E of 14.8. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Ohio Valley Banc Corp. is the bank holding company for The Ohio Valley Bank Company, offering commercial and consumer banking products and services. It operates through Banking and Consumer Finance segments, providing deposit accounts, residential real estate and other lending, and related services such as safe deposit boxes, wire transfers, credit card services, and online banking.

Understand Ohio Valley Banc Corp.: how it makes money

Ohio Valley Banc Corp. is a bank holding company that provides commercial and consumer banking, taking deposits (including checking, savings, money market accounts, and certificates of deposit) and making loans (including one-to four-family residential mortgages and commercial loans), with operations split into Banking and Consumer Finance.

The profit model is driven by using the companys deposit base to support its lending activities across residential real estate and commercial loans, alongside its Consumer Finance activities, with income generated by providing those banking products and services.

Revenue by segment (latest quarter)
Banking$0.0B
Consumer Finance$0.0B

Business quality (Solid): Clear segment structure is given (Banking, Consumer Finance), but no segment revenue amounts or operating KPI labels were provided, and the latest revenue figure is shown as 0.0B.

Valuation: At 14× earnings, OVBC trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Two-segment business model: The company operates in Banking and Consumer Finance, which provides multiple product categories within the same holding company structure.
  • Broad deposit and lending mix: It accepts a range of deposit products (checking, savings, time and money market accounts, and certificates of deposit) and provides both residential real estate loans and commercial loans.

Bear case

  • Credit risk exposure: Because the company provides residential mortgages and commercial loans, deterioration in borrower performance could reduce earnings.
  • Rate environment sensitivity: As a deposit-funded lender, changes in the interest rate environment can affect profitability.
Valuation — source: SEC EDGAR (first-party)
Price$44.49
Market Cap$209.59M
P/E Ratio14.8
EV / EBITDA7.5
Price / Book1.21
Price / Sales2.32
FCF Yield9.4%
DCF Value (model)$61.73
DCF Upside vs Price38.8%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$85.24M
Net Margin18.3%
Revenue Growth (YoY)11.6%
EPS Growth (YoY)-30.3%
FCF Growth (YoY)-91.5%
Valuation vs Sector & Industry
Stock P/E14.8
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector-2.3%
vs Industry13.7%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderFourthstone LLC ($9.63M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOLarry E. Miller
Employees271
CountryUS
IPO Date1994-11-04

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OVBC earnings history · OVBC institutional & insider holders · OVBC KPIs & operating metrics · OVBC financials · OVBC investor presentations & press releases · OVBC SEC filings · OVBC peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.