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what it is
It runs a community bank in Ohio and West Virginia, taking deposits and making consumer, mortgage, and business loans.
how it gets paid
Last year Ohio Valley Banc made $85M in revenue. commercial lending was the main engine at $29M, or 34% of sales.
why it's growing
Revenue grew 12.5% last year. $0.64 EPS matters because it lines up with the company’s reported fourth-quarter profit of about $4.0M and shows earnings improved sharply from a year earlier.
what just happened
The latest quarter showed $0.64 EPS, with quarterly net income up 57.3% vs. prior year.
At a glance
B balance sheet — gets the job done, barely
80/100 earnings predictability — you can trust these numbers
13.0x trailing p/e — the market's not buying it — or you found a deal
2.2% dividend yield — cash in your pocket every quarter
$3.31 fy2025 eps est
xvary composite: 55/100 — below average
What they do
It runs a community bank in Ohio and West Virginia, taking deposits and making consumer, mortgage, and business loans.
This is a local relationship business, and local still matters. Ohio Valley Bank has 18 bank offices and Loan Central has 6 consumer finance offices, so your branch, your lender, and your accounts are all nearby. That physical reach is small next to national banks, but it is large for a $194 million company serving two states.
How they make money
$85M
annual revenue · their business grew +12.5% last year
commercial lending
$29M
residential real estate lending
$19M
consumer lending
$14M
deposit and account services
$13M
consumer finance offices
$10M
The products that matter
business lending
Commercial & Industrial Loans
part of a $1.20B loan portfolio
this sits inside the $1.20B loan book that drives most of the bank’s earnings. if management wants net interest income to keep growing, this is where you look first.
core earnings driver
mortgage lending
Residential Real Estate Loans
part of a growing 2025 loan book
residential real estate lending matters because it fills out the $1.20B portfolio with longer-duration assets. that helps when pricing is right and hurts when funding costs jump.
balance sheet exposure
fee income
Non-Interest Income
$17M · 20% of mix
this is the smaller piece of the revenue picture at $17M. that matters because the bank has limited fee-income insulation if lending spreads get squeezed.
small cushion
Key numbers
$3.31
fy2025 eps est
$6M
fy2024 rev est
13.0x
trailing p/e
2.2%
dividend yield
Financial health
B
strength
- balance sheet grade B — adequate — nothing special
- risk rank 3 — safer than 50% of stocks
- price stability 55 / 100
- long-term debt $48M (20% of capital)
B — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for OVBC right now.
source: institutional data · return history unavailable
What just happened
beat estimates
The latest quarter showed $0.64 EPS, with quarterly net income up 57.3% vs. prior year.
Quarterly revenue was $62M, up 190% vs. prior year based on the provided filing data. The quiet part out loud: for a tiny bank, one strong quarter can make the yearly story look a lot healthier fast.
$21M
revenue
$0.64
eps
57.3%
net income growth
the number that mattered
$0.64 EPS matters because it lines up with the company’s reported fourth-quarter profit of about $4.0M and shows earnings improved sharply from a year earlier.
source: company earnings report, 2026
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What could go wrong
the top risk is SEC legal proceedings tied to the nov 24, 2025 filing. that is specific, unresolved, and more serious than the usual small-bank boilerplate.
high
SEC legal proceedings
a nov 24, 2025 SEC filing references legal proceedings involving the company. the financial impact is not quantified in the current snapshot, which is exactly why the risk matters.
if this escalates into fines, restrictions, or reputational damage, it hits a $194M market cap company much harder than a giant bank.
med
deposit cost squeeze
net interest income is $68M, or 80% of the revenue mix shown here. if OVBC has to pay more to keep deposits while loan yields lag, margin pressure shows up quickly in earnings.
this is the cleanest way a 57.3% profit surge turns into a much less impressive follow-up.
med
small-bank concentration
OVBC has $1.58B in assets and $1.20B in loans. that is enough scale to operate, but not enough to hide mistakes across dozens of business lines like the big banks can.
a local credit problem, slower loan growth, or a few bad underwriting calls can move results more than you would like.
med
multiple compression
the stock trades at 12.6x earnings on a $42.97 price and a $3.31 fy2025 eps estimate. that looks fine until the market decides the 57.3% quarter was a spike, not a base.
if earnings cool, the discount stops looking like a bargain and starts looking like the market being honest.
a $194M market cap bank with 80% of revenue tied to lending spreads and an unresolved SEC matter does not get much room for error.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
net interest income follow-through
$68M of the $85M revenue mix shown here comes from net interest income. if that line stalls, the recent earnings jump stops looking durable.
calendar
Q1 2026 earnings report
estimated report date is april 23, 2026. you want to see whether the $4.0M quarter was the start of a run or just a clean comp.
trend
buyback execution
the company has a $5M repurchase authorization through aug 31, 2026. the headline is only useful if actual purchases reduce the share count.
risk
regulatory disclosure
any update tied to the nov 24, 2025 SEC legal proceedings matters more than usual here. small banks rarely get to bury bad headlines under scale.
Analyst rankings
earnings predictability
80 / 100
this business tends to post numbers in a fairly stable range. in human-speak: analysts trust the earnings pattern more than they trust the growth story.
risk rank
3
that places it around the middle of the pack on safety. in human-speak: not a grenade, not a bunker.
balance sheet grade
B
the balance sheet is workable, not elite. in human-speak: good enough for a small bank, not strong enough to ignore a mistake.
source: institutional data
Institutional activity
institutional ownership data for OVBC is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$43
current price
n/a
target midpoint · n/a from current
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