your badges 52W Range $34–$55 50% of range Analyst Rating · Price Target · P/E · ROE 9.4% Net Profit Margin 23.4%

OVBC Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

03
Price $44.61
ROE 9.4%
52W Range $34–$55

OVBC Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

04
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Stock splits 6
Ex-date Split Type
May 11, 2005 5-for-4 Forward
May 11, 1999 5-for-4 Forward
May 11, 1998 3-for-2 Forward
May 12, 1997 4-for-3 Forward
May 13, 1996 4-for-3 Forward
May 11, 1995 4-for-3 Forward

10-Year Performance Revenue, net income, margins and EPS trends

06
Free Cash Flow$17M
2022-12-31 → 2025-12-31
Net margin23.4%
2022-12-31 → 2025-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

No data for this ratio group yet

Not enough fundamentals data to compute this ratio group yet.

value · ≈ 5Y avg · industry median · verdict relative to median

Dividends Yield, payout ratio, dividend history, 5Y CAGR

13
Payout Ratio27.5%
Annualized Payout≈$1.00Paid quarterly
5Y Div CAGR≈1.8%Per share, split-adjusted
Growth Streak≈1Consecutive years of dividend growth
Ex-dateAmountCurrencyYield
Jul 24, 2026$0.25USD≈2.3%
Apr 24, 2026$0.25USD≈2.1%
Jan 23, 2026$0.23USD≈2.2%
Oct 31, 2025$0.23USD≈2.6%
Jul 25, 2025$0.23USD≈2.6%
Apr 25, 2025$0.23USD≈2.4%
Jan 24, 2025$0.22USD≈4.0%
Oct 25, 2024$0.22USD≈3.8%
Jul 26, 2024$0.22USD≈3.8%
Apr 25, 2024$0.22USD≈3.7%
Jan 25, 2024$0.22USD≈4.2%
Oct 26, 2023$0.22USD≈4.2%
Jul 27, 2023$0.22USD≈4.2%
May 26, 2023$0.15USD≈4.1%
Apr 27, 2023$0.22USD≈3.5%
Jan 26, 2023$0.21USD≈3.8%
Oct 27, 2022$0.21USD≈3.8%
Jul 28, 2022$0.21USD≈3.4%
May 27, 2022$0.15USD≈3.2%
Apr 28, 2022$0.21USD≈2.7%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

14
Next Report Oct 26, 2026
PeriodReportEPS ActualEPS EstSurprise
Sept. 30, 2025 $0.64 — —
March 31, 2024 $0.58 — —
June 30, 2023 $0.68 — —
March 31, 2023 $0.82 — —

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

15
Income Statement 8
Metric Trend 202520242023202220212020201920182017201620152014
Interest Expense ··$16M$3M$4M$6M$7M$5M$4M$3M$3M$3M
Interest Income $85M$76M$62M$48M$45M$46M$50M$49M$46M$39M$36M$36M
Pretax Income $19M$13M$15M$16M$14M$12M$12M$14M$12M$9M$11M$11M
Income Tax $4M$2M$3M$3M$2M$2M$2M$2M$4M$2M$3M$3M
Net Income $16M$11M$13M$13M$12M$10M$10M$12M$8M$7M$9M$8M
EPS (Basic) $3.31$2.32$2.65$2.80$2.45$2.14$2.08$2.53$1.60$1.59$2.08$1.97
Shares (Basic) 4,711,0014,736,8204,774,6074,769,1354,780,6094,787,4464,767,2794,725,9714,685,0674,351,7484,117,6754,099,194,000
Shares (Diluted) ········0000
Balance Sheet 14
Metric Trend 202520242023202220212020201920182017201620152014
Cash & Equivalents $46M$83M$128M$46M$152M$138M$52M$71M$75M$40M$46M$31M
PP&E (Net) $21M$21M$21M$20M$21M$21M$19M$15M$13M$13M$10M$9M
PP&E (Gross) $41M$41M$39M$37M$36M$35M$32M$26M$23M$22M$19M$31M
Accum. Depreciation $21M$19M$18M$16M$15M$14M$12M$11M$10M$9M$9M$22M
Goodwill $7M$7M$7M$7M$7M$7M$7M$7M$7M$8M$1M$1M
Intangibles ·$0$8.0K$29.0K$64.0K$112.0K$174.0K$379.0K$514.0K$670.0K··
Total Assets $1.58B$1.50B$1.35B$1.21B$1.25B$1.19B$1.01B$1.03B$1.03B$955M$796M$779M
Total Liabilities $1.41B$1.35B$1.21B$1.08B$1.11B$1.05B$885M$913M$917M$850M$706M$692M
Common Stock $5M$5M$5M$5M$5M$5M$5M$5M$5M$5M$5M$5M
Retained Earnings $133M$122M$115M$109M$101M$93M$87M$81M$73M$69M$66M$61M
Treasury Stock $19M$19M$17M$17M$17M$16M$16M$16M$16M$16M$16M$16M
AOCI $-2M$-10M$-11M$-15M$708.0K$2M$528.0K$-2M$-878.0K$-991.0K$305.0K$960.0K
Stockholders' Equity $170M$150M$144M$133M$141M$136M$128M$118M$109M$105M$90M$86M
Liabilities + Equity $1.58B$1.50B$1.35B$1.21B$1.25B$1.19B$1.01B$1.03B$1.03B$955M$796M$779M
Cash Flow 14
Metric Trend 202520242023202220212020201920182017201620152014
Stock-based Comp ·····$0$328.0K$295.0K$428.0K$575.0K·$351.0K
Deferred Tax $-841.0K$-1M$-745.0K$288.0K$-130.0K$12.0K$367.0K$-134.0K$2M$-725.0K$591.0K$-517.0K
Amort. of Intangibles $0$8.0K$21.0K$35.0K$48.0K$62.0K$206.0K$135.0K$156.0K$68.0K··
Operating Cash Flow $18M$13M$21M$16M$13M$12M$15M$18M$14M$13M$10M$12M
CapEx $1M$1M$3M$2M$1M$3M$6M$3M$2M$2M$2M$985.0K
Investing Cash Flow $-111M$-195M$-60M$-83M$-52M$-89M$-26M$-13M$-42M$-38M$-5M$-30M
Stock Repurchased $0$2M$82.0K$0········
Net Stock Activity $0$-2M$-82.0K·········
Dividends Paid $4M$4M$5M$5M$4M$4M$4M$4M$4M$4M$4M$3M
Financing Cash Flow $55M$137M$121M$-39M$53M$162M$-7M$-9M$62M$20M$9M$21M
Net Change in Cash ··········$15M$3M
Taxes Paid $5M$4M··········
Free Cash Flow $17M$12M$18M$14M$12M$9M$9M$15M$13M$12M$8M$11M
Levered FCF ··$5M$12M$9M$4M$2M$11M$10M$9M$6M$9M
Profitability 4
Metric Trend 202520242023202220212020201920182017201620152014
Net Margin 23.4%17.8%21.5%24.3%23.1%20.0%19.0%22.7%14.7%15.5%20.4%18.7%
Pretax Margin 29.2%21.6%25.9%29.0%27.6%23.9%22.4%27.0%23.4%19.8%27.0%25.9%
ROA 1.0%0.77%0.95%1.1%0.94%0.88%0.96%1.2%0.73%0.72%1.1%1.0%
ROE 9.4%7.3%9.0%10.1%8.3%7.6%7.8%10.3%6.9%6.6%9.5%9.4%
Efficiency 1
Metric Trend 202520242023202220212020201920182017201620152014
Asset Turnover 0.00.00.00.00.00.00.10.10.10.00.10.1
Per Share 1
Metric Trend 202520242023202220212020201920182017201620152014
Dividend Paid / Share $0.91$0.88$1.02$0.99$0.84$0.84$0.84$0.84$0.84·$0.89$0.84
Growth Rates 7
Metric Trend 202520242023202220212020201920182017201620152014
Revenue YoY 7.6%5.7%6.8%8.0%-1.1%·······
Revenue CAGR 3Y 6.7%6.8%4.5%·········
Revenue CAGR 5Y 5.3%···········
Net Income YoY 41.8%-12.9%-5.3%13.7%14.4%·······
Net Income CAGR 3Y 5.4%-2.1%7.2%·········
Net Income CAGR 5Y 8.8%···········
Dividends Paid CAGR 5Y 1.3%···········
Valuation (TTM) 4
Metric Trend 202520242023202220212020201920182017201620152014
Revenue TTM $67M$62M$59M$55M$51M$51M$52M$53M$51M$45M$42M$43M
Net Income TTM $16M$11M$13M$13M$12M$10M$10M$12M$8M$7M$9M$8M
Payout Ratio 27.5%38.0%38.6%35.4%34.2%39.2%40.4%33.2%52.4%51.8%42.8%42.6%
Annual Payout $4M$4M$5M$5M$4M$4M$4M$4M$4M$4M$4M$3M

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

16
Metric 2025-12-312024-12-312023-12-312023-09-302023-06-30
Net Income $16M $11M $13M · ·

Institutional owners (13F) 74 filers · $69.2M total · As of June 30, 2026

17

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 74
Value held $69.2M
New positions 16
Exited positions 4
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
16 (+5 vs prior Q) 4 (-3 vs prior Q) 27 (+9 vs prior Q) 14 (-2 vs prior Q) +38K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
BlackRock, Inc. $10,672,184 245,733 15.42% Shares
VANGUARD GROUP INC $8,249,194 206,333 11.92% Shares
MANUFACTURERS LIFE INSURANCE COMPANY, THE $7,665,265 176,497 11.07% Shares
VANGUARD CAPITAL MANAGEMENT LLC $7,046,344 162,246 10.18% Shares
DIMENSIONAL FUND ADVISORS LP $4,959,371 114,185 7.16% Shares
SUSQUEHANNA INTERNATIONAL GROUP, LLP $4,500,217 103,620 6.50% Shares
GEODE CAPITAL MANAGEMENT, LLC $4,075,014 93,809 5.89% Shares
STATE STREET CORP $3,049,090 70,207 4.41% Shares
BRIDGEWAY CAPITAL MANAGEMENT, LLC $1,609,212 37,053 2.32% Shares
Prosperity Consulting Group, LLC $1,509,149 34,749 2.18% Shares
NORTHERN TRUST CORP $1,417,599 32,641 2.05% Shares
Corient Private Wealth LP $1,226,262 31,621 1.77% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $1,119,799 25,784 1.62% Shares
VANGUARD FIDUCIARY TRUST CO $1,076,803 24,794 1.56% Shares
RENAISSANCE TECHNOLOGIES LLC $923,973 21,275 1.33% Shares
Kestra Advisory Services, LLC $882,693 20,325 1.28% Shares
AA Financial Advisors, LLC $783,930 18,050 1.13% Shares
MARSHALL WACE, LLP $652,883 15,033 0.94% Shares
Empowered Funds, LLC $630,300 14,513 0.91% Shares
O'SHAUGHNESSY ASSET MANAGEMENT, LLC $596,815 13,742 0.86% Shares
RITHOLTZ WEALTH MANAGEMENT $473,918 10,912 0.68% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $455,581 10,490 0.66% Shares
Trexquant Investment LP $426,222 9,814 0.62% Shares
CITADEL ADVISORS LLC $420,402 9,680 0.61% Shares
Bank of New York Mellon Corp $389,279 8,963 0.56% Shares
GOLDMAN SACHS GROUP INC $382,705 8,812 0.55% Shares
LAZARD ASSET MANAGEMENT LLC $359,557 8,279 0.52% Shares
Nuveen, LLC $328,635 7,567 0.47% Shares
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP $253,067 5,827 0.37% Shares
BANK OF MONTREAL /CAN/ $241,601 5,563 0.35% Shares
AQR CAPITAL MANAGEMENT LLC $230,613 5,310 0.33% Shares
GTS SECURITIES LLC $220,451 5,076 0.32% Shares
OCCUDO QUANTITATIVE STRATEGIES LP $209,289 4,819 0.30% Shares
MILLENNIUM MANAGEMENT LLC $202,818 4,670 0.29% Shares
UBS Group AG $180,538 4,157 0.26% Shares
DEUTSCHE BANK AG\ $154,046 3,547 0.22% Shares
ROYAL BANK OF CANADA $150,000 3,451 0.22% Shares
WELLS FARGO & COMPANY/MN $143,853 3,312 0.21% Shares
RHUMBLINE ADVISERS $140,187 3,228 0.20% Shares
MORGAN STANLEY $122,472 2,820 0.18% Shares
NEW YORK STATE COMMON RETIREMENT FUND $112,918 2,600 0.16% Shares
Russell Investments Group, Ltd. $109,747 2,527 0.16% Shares
BNP PARIBAS FINANCIAL MARKETS $107,012 2,464 0.15% Shares
MetLife Investment Management, LLC $97,109 2,236 0.14% Shares
BARCLAYS PLC $85,731 1,974 0.12% Shares
US BANCORP \DE\ $83,776 1,929 0.12% Shares
CITIGROUP INC $76,697 1,766 0.11% Shares
MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. $76,480 1,761 0.11% Shares
JPMORGAN CHASE & CO $70,387 1,603 0.10% Shares
Vanguard Global Advisers, LLC $68,098 1,568 0.10% Shares

Show all 74 institutional owners →

Activists & 5%+ owners 2 positions

18

Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.

Filer Filed Stake Status Purpose Filing
July 8, 2015 · Initial filing · SEC
David W. Thomas, Ohio Valley Banc Corp. Employees’ Stock Ownership Plan ×5 filings July 6, 2015 · Initial filing Passive investment SEC

Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.

Company insiders 41 insiders · 17 officers · 12 directors

19
Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Larry E Miller II President & CEO Dec. 30, 2025 J 3,907 0 0 $0
Scott W Shockey EVP/CFO Dec. 30, 2025 J 796 0 0 $0
Ryan Joseph Jones RISK OFFICER/COO Dec. 11, 2025 S 27,913 0 1 $-260,375
Bryan F Stepp EVP Dec. 30, 2025 J 569 0 0 $0
Tom Ray Shepherd EVP/Secretary Dec. 30, 2025 J 202 0 0 $0
Thomas E Wiseman CHAIRMAN Dec. 30, 2025 J 22,399 0 0 $0
Katrinka V Hart SVP April 30, 2020 S 11,644 0 0 $0
Jeffrey E Smith Chairman of the Board Aug. 30, 2018 S 5,476 0 0 $0
Edgar R Mahan Sr. VP - OVBC July 29, 2014 S 0 0 0 $0
David L Shaffer VP - OVBC July 18, 2007 S 21 0 0 $0
Sandra L Edwards VP - OVBC June 5, 2007 S 233 0 0 $0
Jennifer L Osborne VP - OVBC May 15, 2007 J 2,538 0 0 $0
Cindy H Johnston Asst Sec-OVBC/OVB May 15, 2007 J 34 0 0 $0
Paula W Salisbury Asst Sec-OVBC/OVB May 15, 2007 J 240 0 0 $0
Christopher S Petro Asst. VP - OVB May 15, 2007 J 124 0 0 $0
Mario P Liberatore VP - OVBC May 15, 2007 J 149 0 0 $0
Cherie A Barr VP - OVBC May 15, 2007 J 23 0 0 $0
Edward Bryant Roberts Director Feb. 13, 2026 J 5,767 0 0 $0
Kimberly A Canady Director Dec. 30, 2025 J 4 0 0 $0
Edward J Robbins Director Dec. 30, 2025 J 5,838 0 0 $0
Brent R Eastman Director Dec. 30, 2025 J 81,878 0 0 $0
Brent A Saunders Director Dec. 11, 2025 G 40,333 0 0 $0
David W Thomas Director June 3, 2024 S 5,351 0 0 $0
Harold A Howe Director Nov. 18, 2021 J 7,999 0 0 $0
John G Jones Director Aug. 13, 2019 J 1,352 0 0 $0
Steven B Chapman Director Feb. 14, 2017 J 3,722 0 0 $0
Lannes C Williamson Director Aug. 25, 2015 J 31 0 0 $0
Robert H Eastman Director May 11, 2009 J 130,937 0 0 $0
Seth Isaac Michael · Aug. 12, 2026 J 830 4 0 $11,918
Anna P Barnitz · Aug. 12, 2026 J 39 4 0 $6,026
Edward Allen Bell · May 24, 2022 P 18,671 0 0 $0
Roger D Williams · March 6, 2013 J 7,270 0 0 $0
Robert E Daniel · May 10, 2011 J 464 0 0 $0
Diana L Parks · May 15, 2007 J 585 0 0 $0
Willard L Call · May 15, 2007 J 22,600 0 0 $0
Sue A Bostic · Jan. 18, 2007 G 229 0 0 $0
Barney A Molnar · May 15, 2006 J 3,549 0 0 $0
James L Dailey · Feb. 15, 2005 J 13,329 0 0 $0
Wendell B Thomas · Feb. 15, 2005 J 27,347 0 0 $0
Charles C Lanham · Feb. 15, 2005 J 905 0 0 $0
Phil A Bowman · Nov. 15, 2003 J 844 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 18 ETFs

20

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
IWC · iShares Trust 0.04% 12,986 SH Sept. 11, 2026 Daily
VTWO · VANGUARD SCOTTSDALE FUNDS 0.01% 22,155 SH Aug. 19, 2026 Daily
VTWV · VANGUARD SCOTTSDALE FUNDS 0.01% 3,336 SH Aug. 19, 2026 Daily
OMFS · Invesco Exchange-Traded Self-Indexe… 0.01% 453 SH Sept. 29, 2026 Daily
IWM · iShares Trust 0.01% 99,515 SH Sept. 11, 2026 Daily
RSSL · Global X Funds 0.01% 1,808 NS July 31, 2026 N-PORT
DFAS · Dimensional ETF Trust 0.00% 10,348 NS July 31, 2026 N-PORT
DFAT · Dimensional ETF Trust 0.00% 6,896 NS July 31, 2026 N-PORT
DFSV · Dimensional ETF Trust 0.00% 2,583 NS July 31, 2026 N-PORT
DFAC · Dimensional ETF Trust 0.00% 6,974 NS July 31, 2026 N-PORT
DCOR · Dimensional ETF Trust 0.00% 201 NS July 31, 2026 N-PORT
VXF · VANGUARD INDEX FUNDS 0.00% 41,240 SH Aug. 19, 2026 Daily
VTI · VANGUARD INDEX FUNDS 0.00% 116,676 SH Aug. 19, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS 0.00% 293 SH Aug. 19, 2026 Daily
DFAU · Dimensional ETF Trust 0.00% 59 NS July 31, 2026 N-PORT
DFSU · Dimensional ETF Trust 0.00% 4 NS July 31, 2026 N-PORT
DXUV · Dimensional ETF Trust 0.00% 4 NS July 31, 2026 N-PORT
IWN · iShares Trust · 34,613 SH Sept. 11, 2026 Daily

Peer comparison (GICS sub-industry) Key metrics vs sector peers

22

FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
OVBC · · 7.6% 23.4% 9.4% ·
BAFN · -1.2 -34.3% -39.0% · ·
FCAP $198M 12.1 1.6% 228.3% 13.0% ·
TFC $62.13B 12.9 53.0% 26.1% 8.2% ·

My Metrics Your personal watchlist — selected rows from Full Fundamentals

26

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Source: SEC 10-Q filed Aug 13, 2026