Reading OVBC? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track OVBC free→Reading OVBC? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
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NASDAQFinancialsBanks - RegionalSnapshot 2026-06-15
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
Recent financial performance is neutral, and earnings quality is also neutral, indicating some inconsistency in cash backing reported profits. Management's recent track record has been unsteady, with frequent disruptive corporate changes. The sector backdrop is a headwind, and compared with sector peers, OVBC is below typical. Peer multiples imply a price roughly in line with where it trades (about fair); the read is fair. This assessment is provisional.
Daily closes. Earnings/event dots are placed inline.
A consensus fair price across 4 valuation methods, at three horizons. Current price $47.99. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
No-growth: today's peer multiple on trailing earnings. The headline read.
Embeds projected growth. Leans optimistic by design. Upside context.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $48 OVBC trades at 15× p/e, in line with its 12× p/e peer median. Our $47 fair value reflects that, high confidence. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
The market is pricing in roughly 2% near-term growth, below our forecast of about 17%. This describes what's priced in, not a forecast of the move.
Only a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=4936).
Over the trailing year it converted 1.60x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 58% of the time over the next year (vs 55% for the rest of the cohort, n=4725).
Not enough signal yet.
Not enough signal to read sensitivity to the US dollar, the broad stock market, Fed net liquidity, long-term interest rates, real (inflation-adjusted) rates.
8 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated volatile grew net income 54% of the time over the next year (vs 57% for the rest of the cohort, n=3774).
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive. Historically, headwind regimes have averaged stronger forward returns than tailwind.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
On a typical day, $10k can swing ±$61.
How much price usually moves either way.
On a bad day, this stock has moved -$214.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $1,101.
Deepest peak-to-trough drop in the last year.
Past results, not a forecast. Not investment advice.
The most important moves since the prior daily snapshot.
Valuation changed. It fell from "full" to "fair." Risk remained moderate. The sector backdrop is a headwind.
as of 2026-06-15
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Why it matters: Revenue growth is a key driver for the financial sector. A drop signals weakening performance.
Confirms:Revenue growth falls below the median of the last three years.
Disproves:Revenue growth stays above the median of the last three years.
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for OVBC yet.
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. On May 13, 2026, the Board of Directors (the “Board”) of Ohio Valley Banc Corp. ("OVBC") and The Ohio Valley Bank Company (the "Bank") appointed K. Ryan Smith as Chairman of the Board of OVBC and the Bank, a role previously held by Thomas E. Wiseman, who, as previously announced, retired as chairman effective as of OVBC’s 2026 annual meeting of sha…
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Long-thesis check; widest uncertainty.
Looks more expensive than peers.
Self-history needs ~20 months of data.
A side-by-side read on sector standing, valuation, and risk versus Regional Banks.
| Stock | Sector standing | Valuation | Risk |
|---|---|---|---|
OVBC Ohio Valley Banc Corp. | Below typical Show detailsSector percentile: 25 of 100 | full | moderate |
HDB HDFC BANK LTD | — | — | moderate |
IBN ICICI BANK LTD | — | — | moderate |
ITUB ITAU UNIBANCO HOLDING SA | — | — | moderate |
FITB Fifth Third Bancorp | Below typical Show detailsSector percentile: 2 of 100 | expensive | moderate |
Not investment advice. As of 2026-06-15.
Context label only: describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-06-15.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue to provide quarterly cash dividends to shareholders, reflecting stable capital allocation.
Stated in 2 of last 2 quarters. The company increased its quarterly cash dividend from $0.23 to $0.25 per share, reflecting a stable capital allocation strategy. This consistent dividend policy indicates a focus on returning value to shareholders, with a slight increase in payout demonstrating limited progress in capital allocation.
“On April 14, 2026, the Board declared a quarterly cash dividend of $0.25 per share.”
“On January 13, 2026, the Board declared a quarterly cash dividend of $0.23 per share.”
Focus on maintaining and growing net income through operational efficiency and revenue growth.
Stated in 2 of last 2 quarters. Net income decreased from $4,406,000 in 2025-Q1 to $4,297,000 in 2026-Q1, indicating a slight decline. Despite previous growth in Q4 2025, the recent quarter shows limited progress in sustaining net income growth.
“Net income for Q1 2026 was $4,297,000, a decrease of $109,000 from Q1 2025.”
Why it matters: FOMC decisions change interest rates. This affects how much banks earn and lend.
Confirms one read:FOMC raises interest rates, boosting bank margins.
Confirms the other:FOMC lowers interest rates. This reduces how much banks can earn.
Results of Operations and Financial Condition GALLIPOLIS, Ohio - Ohio Valley Banc Corp. [Nasdaq: OVBC] (the “Company”) reported consolidated net income for the quarter ended March 31, 2026, of $4,297,000, a decrease of $109,000, or 2.5%, from the same period during the prior year. Earnings per share for the first quarter of 2026 were $.91, compared to $.94 for the first quarter of 2025. Return on average assets and return on average equity were 1.08% and 10.17%, respectively, for the first qu…
Other Events On April 14, 2026, the Board of Directors of Ohio Valley Banc Corp. declared a quarterly cash dividend of $0.25 per share on its common shares, payable on May 10, 2026 to shareholders of record on April 24, 2026. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. OHIO VALLEY BANC CORP. Date: April 14, 2026 By: /s/Larry E. Miller, II Larr…
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. (b) On February 24, 2026, David W. Thomas notified Ohio Valley Banc Corp. (the “Company”) of his intent to retire from the Board of Directors of the Company and its subsidiary, The Ohio Valley Bank Company (the “Bank”), at the 2026 Annual Meeting of Shareholders to be held in May. Mr. Thomas has reached the age of 70, so his retirement is pursuant…
Results of Operations and Financial Condition GALLIPOLIS, Ohio - Ohio Valley Banc Corp. [Nasdaq: OVBC] (the “Company”) reported consolidated net income for the quarter ended December 31, 2025, of $3,955,000, an increase of $1,440,000, or 57.3%, from the same period the prior year. Earnings per share for the fourth quarter of 2025 were $.84 compared to $.53 for the prior year fourth quarter. For the year ended December 31, 2025, net income totaled $15,601,000, an increase of $4,602,000, or 41.…
“Net income for Q4 2025 was $3,955,000, an increase of $1,440,000 from the prior year.”