OVBCNasdaqState Commercial BanksFiscal year ends December 31
OHIO VALLEY BANC CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 13, 2026
$45.40−0.59 (-1.28%)
Close on Oct 19, 2026
- Market cap
- $213.88M
- P/E (TTM)
- 15.1
- Dividend yield
- 2.00%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
23.4%+3.4 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +7.6% | +6.7% | +5.3% | +4.7% | |
| Net income | +41.8% | +5.4% | +8.7% | +6.2% | |
| Free cash flow | +46.2% | +6.8% | +13.5% | +7.3% | |
| Dividend per share | +3.4% | -2.8% | +1.6% | +0.2% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 7.1% | 7.8% | 9.7% | |
| Return on assets | 0.8% | 0.9% | 1.0% | |
| Capex to revenue | 3.8% | 6.7% | 1.6% | |
| Diluted shares | 0M | 5M | 5M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Ohio Valley Banc generated $81.11M from operations and spent $33.29M on capital expenditure, dividends and share buybacks. 25% of that went back into the business.
Generated
$81.11M
Used
$33.29M
Capital expenditure$8.23M25%Dividends$22.07M66%Share buybacks$2.98M9%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin23.4%
×Asset turnover0.04×
×Equity multiplier9.63×
=Return on equity, FY20259.7%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 23.4% | 0.04× | 9.63× | 9.7% |
| FY2024 | 17.7% | 0.04× | 9.70× | 7.5% |
| FY2023 | 21.5% | 0.05× | 9.26× | 9.1% |
| FY2022 | 24.3% | 0.04× | 8.97× | 9.7% |
| FY2021 | 23.1% | 0.04× | 8.78× | 8.5% |
| FY2020 | 20.0% | 0.05× | 8.32× | 7.8% |
| FY2019 | 19.0% | 0.05× | 8.31× | 8.1% |
| FY2018 | 22.7% | 0.05× | 9.05× | 10.5% |
| FY2017 | 14.7% | 0.05× | 9.26× | 7.0% |
| FY2016 | 15.5% | 0.05× | 8.98× | 7.1% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$15.60M
- Cash generatingOperating cash flow above zero$18.09M
- Return on assets improvedROA up on the prior year0.8% → 1.0%
- Earnings backed by cashOperating cash flow above net income$18.09M vs $15.60M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise5M → 5M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.05 → 0.04