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Ohio Valley Banc Corp. OVBC | NASDAQ

$46.11 $0.12 | 0.26%

TREND SIGNAL: Signal available — unlock to view

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|2026-10-13

Next Earnings: Oct 26, 2026

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Company Overview:

Market Cap: $217.22M

Trailing PE: 15.3x

FWD PE: —

Payout Ratio (TTM): 31.2%

52-Week Range: $34.18 - $54.96

10 Year OVBC Performance Metrics:

Total Return (with DRIP): 166.3% (10.29% CAGR)

Total Return (no DRIP): 138.9% (9.10% CAGR)

Share Price: 105.4% (7.46% CAGR)

Yield on Cost (with DRIP): 5.78%

Total Invested: $10,000

Total Value (with DRIP): $26,633

Total Return $ (with DRIP): $16,633

Dividend Increase: 19.0% (1.81% CAGR)

Dividend Yield (FWD): 2.17% ($1.00)

OVBC 10-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

OVBC Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

OVBC Price CAGR:1Y: 26.43%2Y: 40.68%5Y: 11.00%10Y: 7.49%

OVBC Dividend Charts

OVBC - Dividends

OVBC Dividend CAGR:1Y: 8.70%2Y: 6.60%5Y: 3.55%10Y: 1.76%

OVBC - Dividend Payout Ratio

OVBC Dividend Payout Ratio CAGR:1Y: 56.31%2Y: 6.48%5Y: 2.74%10Y: -2.34%

OVBC - Dividend to Free Cash Flow Ratio

OVBC Dividend to FCF Ratio CAGR:1Y: 56.80%2Y: 19.26%5Y: 4.18%10Y: -3.20%

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OVBC Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

OVBC - Revenue

OVBC Revenue CAGR:1Y: 11.63%2Y: 11.75%5Y: 15.95%10Y: 10.23%

OVBC - Earnings Per Share (EPS)

OVBC EPS CAGR:1Y: -30.34%2Y: -0.80%5Y: 0.66%10Y: 4.22%

OVBC - Net Income

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OVBC Net Income CAGR:1Y: -30.48%2Y: -0.76%5Y: 0.46%10Y: 5.55%

OVBC - EBITDA

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OVBC EBITDA CAGR:1Y: -30.89%2Y: -0.55%5Y: 0.99%10Y: 5.23%

OVBC - Free Cash Flow

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OVBC Free Cash Flow CAGR:1Y: -30.69%2Y: -11.40%5Y: -0.94%10Y: 6.49%

OVBC - Free Cash Flow / Share

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OVBC Free Cash Flow / Share CAGR:1Y: -30.69%2Y: -11.12%5Y: -0.62%10Y: 5.13%

OVBC - Operating Income

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OVBC Operating Income CAGR:1Y: -30.89%2Y: -0.50%5Y: 1.08%10Y: 5.23%

OVBC - Gross Profit

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OVBC Gross Profit CAGR:1Y: -8.66%2Y: 1.19%5Y: 3.11%10Y: 3.95%

OVBC - Shares Outstanding

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OVBC Shares Outstanding CAGR:1Y: 0.00%2Y: -0.31%5Y: -0.32%10Y: 1.29%

OVBC - Share Buybacks

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OVBC Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

OVBC - Stock-Based Comp

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OVBC Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

OVBC - Expenses

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OVBC Expenses CAGR:1Y: 255.05%2Y: 9.46%5Y: 12.69%10Y: 5.96%

OVBC - Revenue vs Net Income

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OVBC - EPS vs FCF / Share

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OVBC - EPS vs PE Ratio

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OVBC - FCF vs FCF / Share

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OVBC - FCF vs Stock Based Comp

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OVBC - Cash & Debt

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OVBC - Revenue by Segment

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OVBC Revenue CAGR:1Y: 11.63%2Y: 11.75%5Y: 15.95%10Y: 10.23%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

OVBC - REVENUE: Actual + Estimates

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OVBC Actual Revenue CAGR:1Y: 11.63%2Y: 11.75%5Y: 15.95%10Y: 10.23%

OVBC - EPS: Actual + Estimates

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OVBC Actual EPS CAGR:1Y: -30.34%2Y: -0.80%5Y: 0.66%10Y: 4.22%

OVBC - NET INCOME: Actual + Estimates

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OVBC Actual Net Income CAGR:1Y: -30.48%2Y: -0.76%5Y: 0.46%10Y: 5.55%

OVBC - EBITDA: Actual + Estimates

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OVBC Actual EBITDA CAGR:1Y: -30.89%2Y: -0.55%5Y: 0.99%10Y: 5.23%

Ratios, Profit Margins & Return on Capital:

OVBC - Net Profit Margin

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OVBC Net Profit Margin CAGR:1Y: -37.68%2Y: -11.19%5Y: -13.36%10Y: -4.25%

OVBC - Gross Profit Margin

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OVBC Gross Profit Margin CAGR:1Y: -18.18%2Y: -9.45%5Y: -11.07%10Y: -5.70%

OVBC - Price to Earnings

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OVBC Price to Earnings CAGR:1Y: 93.43%2Y: 49.88%5Y: 11.35%10Y: 2.81%

OVBC - Price To Sales Ratio

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OVBC Price To Sales Ratio CAGR:1Y: 20.72%2Y: 32.96%5Y: -3.57%10Y: -1.58%

OVBC - Return on Capital Employed

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OVBC Return on Capital Employed CAGR:1Y: -90.28%2Y: -63.40%5Y: -4.73%10Y: -2.03%

OVBC - Return on Invested Capital

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OVBC Return on Invested Capital CAGR:1Y: -90.23%2Y: -63.49%5Y: -5.32%10Y: -1.73%

OVBC Dividends Info:

Annual Dividend: $1

Forward Yield: 2.17%

Ex-Dividend Date: 2026-07-24

Lifetime Dividends / Share: $22.98

OVBC Dividend History: Dates, Payments & Yield list

Below is a schedule of all OVBC dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
07/24/2026	07/27/2026	$0.250	2.37%	2.34%	$42.80
04/24/2026	04/27/2026	$0.250	2.19%	2.19%	$45.70
01/23/2026	01/26/2026	$0.230	2.28%	2.28%	$40.32
10/31/2025	11/03/2025	$0.230	2.63%	2.61%	$35.29
07/25/2025	07/28/2025	$0.230	2.69%	2.68%	$34.27
04/25/2025	04/28/2025	$0.230	2.47%	2.5%	$36.73
01/24/2025	01/27/2025	$0.220	3.98%	3.87%	$22.75
10/25/2024	10/28/2024	$0.220	3.79%	3.71%	$23.75
07/26/2024	07/29/2024	$0.220	3.79%	3.67%	$24.00
04/25/2024	04/29/2024	$0.220	3.74%	3.74%	$23.50
01/25/2024	01/29/2024	$0.220	3.59%	3.66%	$24.03
10/26/2023	10/30/2023	$0.220	3.61%	3.64%	$24.15
07/27/2023	07/31/2023	$0.220	3.63%	3.59%	$24.48
05/26/2023	05/29/2023	$0.150	2.47%	2.4%	$24.95
04/27/2023	05/01/2023	$0.220	3.61%	3.78%	$23.25
01/26/2023	01/30/2023	$0.210	3.2%	3.2%	$26.27
10/27/2022	11/10/2022	$0.210	3.23%	3.01%	$27.88
07/28/2022	08/10/2022	$0.210	2.86%	2.78%	$30.27
05/27/2022	06/10/2022	$0.150	1.94%	2.01%	$29.84
04/28/2022	05/10/2022	$0.210	2.73%	2.71%	$31.05
01/27/2022	02/10/2022	$0.210	2.79%	2.72%	$30.85
10/28/2021	11/10/2021	$0.210	3.05%	2.95%	$28.48
07/29/2021	08/10/2021	$0.210	3.41%	3.33%	$25.25
04/29/2021	05/10/2021	$0.210	3.65%	3.62%	$23.19
01/28/2021	02/10/2021	$0.210	3.73%	3.67%	$22.90
10/29/2020	11/10/2020	$0.210	3.82%	3.79%	$22.15
07/30/2020	08/10/2020	$0.210	4.15%	3.77%	$22.28
04/23/2020	05/10/2020	$0.210	3.61%	3.03%	$27.75
01/23/2020	02/10/2020	$0.210	2.29%	2.48%	$33.81
10/24/2019	11/10/2019	$0.210	2.35%	2.26%	$37.22
07/25/2019	08/10/2019	$0.210	2.28%	2.42%	$34.68
04/25/2019	05/10/2019	$0.210	2.23%	2.28%	$36.87
01/24/2019	02/10/2019	$0.210	2.31%	2.24%	$37.50
10/25/2018	11/10/2018	$0.210	2.36%	2.27%	$36.96
07/26/2018	08/10/2018	$0.210	1.64%	1.69%	$49.65
04/26/2018	05/10/2018	$0.210	1.87%	1.75%	$48.00
01/25/2018	02/10/2018	$0.210	1.99%	2.1%	$40.00
10/26/2017	11/10/2017	$0.210	2.35%	2.37%	$35.45
07/26/2017	08/10/2017	$0.210	2.33%	2.74%	$30.65
04/26/2017	05/10/2017	$0.210	2.96%	2.76%	$30.45
01/25/2017	02/10/2017	$0.210	3.04%	2.99%	$28.10
10/26/2016	11/10/2016	$0.210	3.5%	3.44%	$24.40
07/27/2016	08/10/2016	$0.210	3.81%	3.82%	$22.00
04/27/2016	05/10/2016	$0.210	3.84%	3.74%	$22.48
01/27/2016	02/10/2016	$0.210	3.69%	3.5%	$23.97
10/28/2015	11/10/2015	$0.210	3.54%	3.4%	$24.68
07/29/2015	08/10/2015	$0.210	3.7%	3.61%	$23.25
05/21/2015	06/10/2015	$0.050	0.87%	0.88%	$22.84
04/29/2015	05/10/2015	$0.210	3.66%	3.66%	$22.94
01/28/2015	02/10/2015	$0.210	3.43%	3.44%	$24.43
10/29/2014	11/10/2014	$0.210	3.61%	3.57%	$23.50
07/30/2014	08/10/2014	$0.210	3.65%	3.58%	$23.45
04/30/2014	05/10/2014	$0.210	3.88%	3.77%	$22.31
01/29/2014	02/10/2014	$0.210	3.79%	3.75%	$22.42
10/23/2013	11/10/2013	$0.210	4.12%	4.01%	$20.93
07/24/2013	08/10/2013	$0.210	3.72%	3.82%	$22.00
04/24/2013	05/10/2013	$0.210	4.32%	4.27%	$19.67
02/13/2013	03/01/2013	$0.100	2.15%	2.13%	$18.75
12/05/2012	12/14/2012	$0.210	4.54%	4.56%	$18.41
10/24/2012	11/10/2012	$0.210	4.48%	4.58%	$18.33
07/25/2012	08/10/2012	$0.210	4.36%	4.45%	$18.87
05/23/2012	06/11/2012	$0.040	0.81%	0.82%	$19.57
04/25/2012	05/10/2012	$0.210	4.34%	4.23%	$19.85
02/01/2012	02/10/2012	$0.210	4.59%	4.47%	$18.81
10/26/2011	11/10/2011	$0.210	4.91%	4.75%	$17.70
08/02/2011	08/10/2011	$0.210	4.83%	4.67%	$17.97
04/27/2011	05/10/2011	$0.210	4.25%	4.46%	$18.83
02/02/2011	02/10/2011	$0.210	4.28%	4.25%	$19.75
10/27/2010	11/10/2010	$0.210	4.38%	4.42%	$19.00
07/28/2010	08/10/2010	$0.210	4.42%	4.26%	$19.73
04/28/2010	05/10/2010	$0.210	4.1%	4.04%	$20.78
01/28/2010	02/10/2010	$0.210	4.33%	4.2%	$20.01
10/28/2009	11/10/2009	$0.200	3.48%	3.48%	$23.01
07/29/2009	08/10/2009	$0.200	2.72%	2.7%	$29.65
04/29/2009	05/10/2009	$0.200	3.62%	3.52%	$22.75
01/29/2009	02/10/2009	$0.200	4.24%	4.1%	$19.50
10/29/2008	11/10/2008	$0.190	4%	4%	$19.00
07/23/2008	08/10/2008	$0.190	3.1%	3.17%	$24.00
04/23/2008	05/10/2008	$0.190	3.01%	3.04%	$25.00
01/23/2008	02/10/2008	$0.190	2.95%	2.87%	$26.44
10/24/2007	11/10/2007	$0.180	2.82%	2.88%	$25.01
07/25/2007	08/10/2007	$0.180	2.88%	2.88%	$25.00
04/25/2007	05/10/2007	$0.180	2.87%	2.84%	$25.37
01/31/2007	02/10/2007	$0.170	2.69%	2.68%	$25.35
10/25/2006	11/10/2006	$0.170	2.7%	2.68%	$25.40
07/26/2006	08/10/2006	$0.170	2.7%	2.7%	$25.15
04/26/2006	05/10/2006	$0.170	2.7%	2.69%	$25.30
02/01/2006	02/10/2006	$0.160	2.53%	2.51%	$25.45
10/26/2005	11/10/2005	$0.160	2.56%	2.54%	$25.15
07/27/2005	08/10/2005	$0.160	2.47%	2.49%	$25.68
04/21/2005	05/10/2005	$0.128	1.91%	1.9%	$27.00
01/26/2005	02/10/2005	$0.152	2.21%	2.23%	$27.30
11/29/2004	12/15/2004	$0.152	2.34%	2.31%	$26.30
10/27/2004	11/10/2004	$0.152	2.38%	2.41%	$25.26
07/28/2004	08/10/2004	$0.152	2.36%	2.4%	$25.30
04/22/2004	05/10/2004	$0.152	2.18%	2.19%	$27.76
01/28/2004	02/10/2004	$0.144	2.5%	2.41%	$23.87
10/29/2003	11/10/2003	$0.144	2.94%	2.94%	$19.61
07/23/2003	08/10/2003	$0.144	3%	3%	$19.20
04/16/2003	05/10/2003	$0.144	3.19%	3.2%	$18.02
01/29/2003	02/10/2003	$0.136	3.15%	3.06%	$17.78
10/23/2002	11/10/2002	$0.136	3.26%	3.37%	$16.14
07/24/2002	08/10/2002	$0.136	2.9%	2.83%	$19.20
04/18/2002	05/10/2002	$0.136	2.81%	2.83%	$19.20
01/23/2002	02/10/2002	$0.128	2.57%	2.59%	$19.80
12/19/2001	12/31/2001	$0.128	2.33%	2.64%	$19.36
10/24/2001	11/10/2001	$0.128	2.61%	2.67%	$19.20
07/25/2001	08/10/2001	$0.128	2.55%	2.55%	$20.04
04/19/2001	05/10/2001	$0.128	2.61%	2.53%	$20.20
01/24/2001	02/10/2001	$0.120	2.42%	2.38%	$20.20
10/25/2000	11/10/2000	$0.120	2.31%	2.25%	$21.35
07/26/2000	08/10/2000	$0.120	2.31%	2.23%	$21.50
04/19/2000	05/10/2000	$0.112	1.86%	1.91%	$23.40
01/26/2000	02/10/2000	$0.112	1.68%	1.67%	$26.80
10/27/1999	11/10/1999	$0.112	1.7%	1.64%	$27.40
07/28/1999	08/10/1999	$0.112	1.72%	1.65%	$27.20
04/15/1999	05/10/1999	$0.112	1.65%	1.61%	$27.84
01/27/1999	02/10/1999	$0.090	1.35%	1.31%	$27.46
10/28/1998	11/10/1998	$0.090	1.38%	1.29%	$27.68
07/29/1998	08/10/1998	$0.090	1.4%	1.37%	$26.08
04/16/1998	05/10/1998	$0.090	1.66%	1.62%	$22.16
01/28/1998	02/10/1998	$0.085	2.22%	2.25%	$15.15
10/29/1997	11/10/1997	$0.085	2.16%	2.13%	$16.00
07/24/1997	08/10/1997	$0.085	2.11%	2.05%	$16.64
04/17/1997	05/10/1997	$0.086	2.63%	2.47%	$13.87
01/23/1997	02/10/1997	$0.080	2.78%	2.7%	$11.87
10/24/1996	11/10/1996	$0.080	2.78%	2.78%	$11.52
07/23/1996	08/10/1996	$0.080	2.78%	2.99%	$10.72
04/23/1996	05/10/1996	$0.075	2.97%	2.97%	$10.08
01/23/1996	02/10/1996	$0.072	3.29%	2.95%	$9.76
10/23/1995	11/10/1995	$0.072	3.21%	3.33%	$8.64
07/21/1995	08/10/1995	$0.072	3.38%	3.21%	$8.96
04/21/1995	05/10/1995	$0.054	3%	2.73%	$7.92
01/23/1995	02/10/1995	$0.068	3.8%	3.8%	$7.20

Projected Future Returns & Dividends for OVBC

Based on past 10-year performance, here are OVBC growth metrics:

Share price CAGR of +7.49%
Dividend CAGR of +1.77%

Using OVBC CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	OVBC (DRIP)	OVBC - No DRIP
Current Price	$46.11	$46.11
Start Shares	216.87	216.87
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	257.39	216.87
Dividends Payment	$0.30	$0.30
Annual Dividends	$307	$258
Yield on cost	3.07%	2.58%
Share Price	$94.92	$94.92
Total Dividends	$2,583	$2,349
Final Value	$24,431	$22,934

Estimated Future Value + Dividends - OVBC

NOTE: Above numbers are our estimate based on OVBC's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Ohio Valley Banc Corp. (OVBC) had its IPO on 1994-11-04, and is traded on NASDAQ stock exchange.

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.

OVBC website: https://www.ovbc.com

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DCF Model — OVBC

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

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vs current price $46.11

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Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

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grows for the next years

Then mature

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every future dollar counted back to today

Pile of today-dollars

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÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

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