Ohio Valley Banc Corp. Common Stock (OVBC)

FairStock Score: 56/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the 2026-10-13 close of $46.10, Ohio Valley Banc carries a $217.2 million market value and trades at 15.32 times earnings and 1.25 times book, both FairStock calculations. That is not a cigar butt. The bank earned $15.6 million, or $3.31 per diluted share, in fiscal 2025 ended 2025-12-31, up from $11.0 million and $2.32 in fiscal 2024 and $12.6 million and $2.65 in fiscal 2023. That long-run record is why FairStock classifies it as a STALWART, with 8.7% annual profit growth over five years. But the current trend is less steady: in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $2.9 million and diluted EPS $0.62, down from $4.2 million and $0.89 in fiscal Q2 2025. FairStock's profit growth figure is -30.48%, even as revenue growth is 6.91%. Return on equity is 8.51%, a modest bank return, and return on capital employed is 0.90%. The 2.17% dividend yield and 0.03 beta suggest a quiet, defensive local franchise, but I cannot judge credit risk or capital strength without CET1, net interest margin, nonperforming loans, charge-offs, reserves, efficiency ratio, or combined ratio; none are in the data. Piotroski is 5/9, middling. A small 269-employee bank can have a local deposit moat, but it must earn above its cost of equity. At 1.25 times book for 8.51% ROE, the price already assumes stability. I would want evidence that Q2 weakness was temporary and that underwriting remains clean.

In plain English: Ohio Valley Banc is a small bank holding company that takes deposits and makes loans, mainly through The Ohio Valley Bank Company. It is profitable and pays a modest dividend, but recent profit fell sharply from a year earlier even as revenue growth was positive. At $46.10 a share, the price looks roughly fair versus its earnings and net worth rather than clearly cheap.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer