YOLFTbeta
Ohio Valley Banc Corp

Ohio Valley Banc Corp

OVBC · NASDAQ · Financial Services / Banks - Regional

48.25USD-0.48 (-0.99%)

Price History

Full chart

Market Stats

Previous Close48.73
Open48.51
Day Range48.00 – 48.51
52-Week Range33.39 – 54.63
Volume4.40K
Market Cap210.53M
P/E (TTM)14.85
Forward P/E9.69
EPS3.01
Dividend Yield2.27%
Beta0.03
50-Day Avg44.53
200-Day Avg43.87

About

Ohio Valley Banc Corp. operates as the bank holding company for The Ohio Valley Bank Company that provides commercial and retail banking products and services. It accepts various deposit products, including checking, savings, time, and money market accounts, as well as individual retirement accounts, demand deposits, NOW accounts, and certificates of deposit. The company provides various residential real estate loans, including one-to four-family residential mortgages; commercial loans for securing equipment, inventory, stock, commercial real estate, and rental property; and consumer loans secured by automobiles, mobile homes, recreational vehicles, and other personal property, as well as personal loans, unsecured credit card receivables, floor plan and student loans, and construction loans. In addition, it offers safe deposit box, wire transfer, credit card, home equity loans, and Internet banking services; and financial management online services, such as cash management and news updates related to repossession auctions, current rates, and general bank news. The company owns and operates ATMs, including off-site ATMs. It operates offices in Ohio and West Virginia. The company was founded in 1872 and is based in Gallipolis, Ohio.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Larry E. Miller II
  • Employees269
  • Headquarters420 Third Avenue, Gallipolis, OH, United States, 45631, USA
  • Websitehttps://www.ovbc.com

Leadership

  • Mr. Larry E. Miller IICEO & Director · b. 1964
  • Mr. Scott W. ShockeySenior VP & CFO · b. 1970
  • Mr. Ryan J. JonesPresident & Chief Operating Officer · b. 1978
  • Mr. Bryan F. SteppSenior Vice President · b. 1963
  • Mr. Tommy R. ShepherdSenior VP & Secretary · b. 1967

Financials

Income Statement

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue29.70M33.40M38.00M43.10M49.05M52.71M53.41M51.14M51.48M51.59M58.25M60.18M57.73M55.22M52.67M51.26M47.48M44.48M45.34M44.93M47.59M55.14M58.13M58.23M55.61M54.58M57.78M74.49M88.93M94.21M
Growth (%)-+12.46%+13.77%+13.42%+13.81%+7.46%+1.31%-4.24%+0.66%+0.22%+12.90%+3.32%-4.08%-4.34%-4.62%-2.67%-7.37%-6.33%+1.94%-0.90%+5.91%+15.88%+5.43%+0.16%-4.49%-1.86%+5.87%+28.93%+19.38%+5.93%
Cost of Revenue14.20M15.80M18.00M21.10M25.95M27.74M26.28M21.98M18.50M19.93M29.59M28.67M24.54M20.14M19.42M15.06M7.93M4.05M5.66M3.93M5.85M6.54M6.51M8.27M9.17M3.28M2.81M17.93M29.43M30.55M
Gross Profit15.50M17.60M20.00M22.00M23.10M24.98M27.13M29.16M32.98M31.66M28.66M31.51M33.18M35.08M33.25M36.20M39.55M40.43M39.68M41.00M41.74M48.60M51.63M49.96M46.44M51.30M54.97M56.57M59.51M63.66M
Gross Margin52.19%52.69%52.63%51.04%47.09%47.38%50.79%57.01%64.07%61.36%49.20%52.36%57.48%63.52%63.13%70.61%83.30%90.89%87.51%91.26%87.71%88.14%88.80%85.81%83.51%93.99%95.14%75.93%66.91%67.58%
Operating Expense10.80M12.30M14.30M16.10M16.98M18.17M19.18M19.82M20.93M21.36M21.20M22.58M23.32M26.16M26.64M28.30M29.74M29.38M28.48M29.62M32.90M36.61M37.43M38.24M34.13M37.28M39.04M41.37M46.13M44.21M
Operating Income4.70M5.30M5.70M5.90M6.12M6.80M7.95M9.34M12.06M10.30M7.46M8.93M9.86M8.92M6.61M7.90M9.81M11.05M11.19M11.38M8.84M11.99M14.20M11.72M12.31M14.02M15.93M15.20M13.38M19.45M
Operating Margin15.82%15.87%15.00%13.69%12.48%12.91%14.89%18.26%23.42%19.96%12.80%14.83%17.08%16.15%12.54%15.41%20.67%24.85%24.69%25.33%18.58%21.75%24.42%20.13%22.13%25.68%27.57%20.40%15.04%20.65%
EBITDA5.30M6.10M6.80M7.30M7.79M8.22M9.24M10.67M13.49M11.57M8.57M9.98M10.85M9.99M7.80M8.99M10.97M12.00M12.06M12.35M10.11M13.50M15.53M13.18M13.84M15.63M17.50M16.78M15.11M21.16M
EBITDA Margin17.85%18.26%17.89%16.94%15.89%15.59%17.30%20.86%26.21%22.43%14.72%16.58%18.80%18.09%14.80%17.54%23.09%26.97%26.61%27.48%21.25%24.48%26.71%22.63%24.88%28.64%30.29%22.53%16.99%22.46%
Net Income3.30M3.80M4.10M4.30M4.40M4.89M5.67M6.47M8.38M7.02M5.40M6.30M7.13M6.64M5.10M5.83M7.05M8.11M8.07M8.57M6.92M7.51M11.94M9.91M10.26M11.73M13.34M12.63M11.00M15.60M
Net Income Margin11.11%11.38%10.79%9.98%8.97%9.29%10.63%12.65%16.28%13.60%9.27%10.46%12.35%12.03%9.68%11.38%14.85%18.24%17.81%19.08%14.54%13.62%20.55%17.01%18.45%21.50%23.08%16.96%12.37%16.56%
R&D---------------00000000-------
R&D as % of Total Revenue---------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense12.90M14.60M15.70M18.80M24.07M24.23M20.81M17.64M16.15M18.14M23.93M26.42M20.83M16.93M13.55M10.17M6.35M3.57M2.88M2.84M3.02M3.98M5.47M7.26M6.19M3.70M2.84M15.84M26.96M27.49M
Interest Expense % of Total Revenue43.43%43.71%41.32%43.62%49.06%45.97%38.97%34.50%31.36%35.15%41.08%43.90%36.08%30.66%25.72%19.84%13.36%8.03%6.34%6.32%6.35%7.21%9.41%12.48%11.13%6.78%4.91%21.26%30.31%29.18%

Balance Sheet

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets340.90M379.10M447.40M522.10M561.66M635.00M696.36M707.33M729.12M749.72M764.36M783.42M781.11M811.99M851.51M804.18M768.47M747.37M778.67M796.28M954.64M1.03B1.03B1.01B1.19B1.25B1.21B1.35B1.50B1.58B
Total Liabilities310.50M342.30M406.70M479.40M512.17M583.70M632.48M652.92M672.54M690.45M704.08M721.91M718.05M745.47M783.39M732.33M692.65M666.95M692.45M705.82M850.11M916.93M912.62M43.54M37.24M29.31M27.74M1.21B1.35B1.41B
Total Equity30.40M36.80M40.70M42.70M44.49M46.30M50.38M54.41M56.58M59.27M60.28M61.51M63.06M66.52M68.13M71.84M75.82M80.42M86.22M90.47M104.53M109.36M117.87M969.73M1.15B1.22B1.18B144.01M150.33M170.26M
Cash8.80M11.80M13.10M19.80M15.38M18.55M20.33M18.61M16.80M19.03M19.47M16.22M17.26M15.67M59.75M51.63M45.65M28.34M31.96M47.24M41.84M76.39M73.25M54.72M140.80M154.36M47.85M128.13M83.11M14.85K
Total Debt17.20M32.30M74.80M68.00M71.97M120.13M128.49M139.08M129.80M118.74M99.60M120.89M114.34M87.85M79.35M33.80M27.79M27.25M33.47M32.45M53.21M49.97M55.52M49.99M42.85M31.42M30.21M54.30M49.26M55.19M
Net Debt8.40M20.50M61.70M48.20M56.58M101.58M108.16M120.47M113.00M99.72M80.13M104.67M97.08M72.18M19.60M-17.83M-17.87M-1.10M1.51M-14.80M3.75M-31.94M-25.03M-11.17M-103.56M-125.05M-20.11M-73.83M-33.84M55.18M

Cash Flow

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow5.40M5.50M7.80M6.30M6.12M8.79M10.57M13.22M10.56M10.53M12.14M11.29M9.35M4.93M12.33M16.18M10.83M13.16M11.68M10.40M13.37M14.50M18.14M14.75M12.49M13.14M15.99M20.75M13.10M18.06M
Investing Cash Flow-28.80M-24.30M-66.30M-69.70M-42.89M-65.03M-69.52M-24.30M-24.88M-20.29M-18.13M-25.50M-41.00K-33.15M-3.54M31.51M26.36M-946.00K-29.89M-4.94M-38.43M-42.18M-12.73M-83.00K-88.69M-52.35M-83.39M-59.79M-195.18M-110.58M
Financing Cash Flow20.80M17.90M63.40M69.80M32.34M67.96M56.12M5.38M12.85M13.10M7.14M10.35M-8.54M25.60M35.29M-55.81M-43.17M-29.52M20.84M9.09M19.70M62.09M-8.81M-33.49M162.14M52.95M-38.64M121.18M137.07M55.31M
Capital Expenditure1.30M1.70M2.00M2.70M844.00K639.00K55.55M1.98M955.00K673.00K1.80M3.23M1.30M971.00K673.00K449.00K437.00K1.15M985.00K1.95M1.68M1.73M2.73M6.23M3.45M1.08M1.99M2.69M1.43M1.04M
Free Cash Flow4.10M3.80M5.80M3.60M5.27M8.15M-44.98M11.24M9.61M9.86M10.34M11.29M8.05M3.96M11.66M15.73M10.39M12.01M10.70M8.45M11.68M12.77M15.42M8.52M9.04M12.05M14.00M18.06M11.66M17.03M
Dividends Paid1.30M1.40M1.50M1.90M2.07M2.73M2.31M2.47M3.26M2.71M2.84M2.94M3.06M3.19M3.35M3.36M4.39M2.96M3.44M3.67M3.58M3.93M3.97M4.00M4.02M4.02M4.72M4.87M4.18M4.29M
FCF to OCF75.93%69.09%74.36%57.14%86.20%92.73%-425.67%85.02%90.96%93.61%85.17%100.00%86.09%80.30%94.54%97.23%95.97%91.24%91.57%81.25%87.41%88.09%84.98%57.76%72.38%91.74%87.57%87.04%89.06%94.26%
Dividend Paid to FCF31.71%36.84%25.86%52.78%39.34%33.54%-5.15%21.95%33.93%27.44%27.45%26.03%38.03%80.52%28.71%21.36%42.26%24.70%32.17%43.38%30.69%30.79%25.73%46.94%44.49%33.34%33.71%26.97%35.81%25.18%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Mar 31, 2003Jul 11, 2003Oct 10, 2003Jan 14, 2004Apr 13, 2004Jul 15, 2004Oct 13, 2004Jan 17, 2005Apr 13, 2005Jul 15, 2005Oct 13, 2005Jan 17, 2006Apr 13, 2006Jul 12, 2006Oct 12, 2006Jan 17, 2007Apr 18, 2007Jul 13, 2007Oct 12, 2007Jan 14, 2008Apr 18, 2008Jul 11, 2008Oct 15, 2008Jan 16, 2009Apr 16, 2009Jul 16, 2009Oct 20, 2009Jan 20, 2010Apr 27, 2010Jul 16, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Dec 31, 2016Mar 31, 2017Apr 27, 2017Jul 27, 2017Oct 26, 2017Jan 30, 2018Apr 26, 2018Jul 26, 2018Oct 25, 2018Jan 29, 2019Apr 25, 2019Jul 25, 2019Oct 25, 2019Jan 29, 2020Apr 27, 2020Jul 27, 2020Oct 27, 2020Jan 28, 2021Apr 30, 2021Jul 29, 2021Oct 27, 2021Jan 27, 2022Apr 28, 2022Jul 28, 2022Oct 28, 2022Jan 26, 2023Apr 27, 2023Jul 27, 2023Oct 26, 2023Jan 25, 2024Apr 25, 2024Jul 26, 2024Oct 28, 2024Jan 28, 2025Apr 25, 2025Jul 24, 2025Oct 28, 2025Dec 31, 2025Apr 27, 2026Jul 27, 2026Oct 26, 2026
EPS Estimate-------------------------------------------------------------------------------------------------0.00-----------
EPS Actual0.150.230.230.190.260.240.230.250.250.270.280.290.310.330.340.360.370.420.360.750.390.440.370.400.410.460.410.430.430.000.420.410.450.240.480.430.470.390.510.350.430.380.480.370.330.510.390.220.340.650.430.270.400.790.480.260.460.870.330.670.100.880.340.400.460.690.410.080.430.690.690.370.350.570.710.630.370.810.250.650.450.730.210.470.480.980.740.600.630.480.870.420.770.740.820.680.470.680.580.630.580.530.940.890.640.840.910.62-
Surprise-------------------------------------------------------------------------------------------------------------
Timing---------------------------------------------------------------------------After-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours---After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hours-After-hours-After-hours

Key Statistics & Ratios

Market Cap210.53M
Enterprise Value184.18M
Trailing P/E14.85
Forward P/E9.69
PEG Ratio0.00
Price / Sales3.37
Price / Book1.19
EPS3.01
Book Value36.80
Revenue (TTM)62.44M
Gross Profit (TTM)62.44M
Profit Margin22.76%
Operating Margin25.79%
Return on Equity8.51%
Return on Assets0.90%
Shares Outstanding4.71M
Shares Float3.35M
Beta0.03
Dividend Yield2.27%
Dividend Rate1.00
Payout Ratio31.84%

Ownership Breakdown

Institutions
31.17%
Insiders
20.42%
Retail / Other
48.41%

Top Institutional Holders

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    159.75K3.39%
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    114.19K2.42%
  • Geode Capital Management, LLC
    87.15K1.85%
  • State Street Corp
    59.04K1.25%
  • Bridgeway Capital Management, LLC
    36.07K0.77%
  • Prosperity Consulting Group, LLC
    34.75K0.74%
  • CI Private Wealth LLC
    31.62K0.67%
  • Northern Trust Corp
    30.19K0.64%
  • Vanguard Fiduciary Trust Co
    23.51K0.50%
  • Vanguard Portfolio Management, LLC
    21.96K0.47%
  • Kestra Advisory Services, LLC
    20.32K0.43%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    116.68K2.48%
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    99.84K2.12%
  • JHancock Regional Bank A
    93.98K1.99%
  • JH Financial Opportunities
    70.25K1.49%
  • Fidelity Small Cap Index
    40.44K0.86%
  • iShares Russell 2000 Value ETF
    34.45K0.73%
  • Vanguard Russell 2000 ETF
    21.87K0.46%

Dividends

20264×
0.25Oct 30, 20260.25Jul 24, 20260.25Apr 24, 20260.23Jan 23, 2026
20254×
0.23Oct 31, 20250.23Jul 25, 20250.23Apr 25, 20250.22Jan 24, 2025
20244×
0.22Oct 25, 20240.22Jul 26, 20240.22Apr 25, 20240.22Jan 25, 2024
20235×
0.22Oct 26, 20230.22Jul 27, 20230.15May 26, 20230.22Apr 27, 20230.21Jan 26, 2023
20225×
0.21Oct 27, 20220.21Jul 28, 20220.15May 27, 20220.21Apr 28, 20220.21Jan 27, 2022
20212×
0.21Oct 28, 20210.21Jul 29, 2021

Stock Splits

  • May 11, 2005125:100
  • May 11, 19995:4
  • May 11, 19983:2
  • May 12, 19974:3
  • May 13, 19964:3
  • May 11, 19954:3