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Ohio Valley Banc Corp. operates as the bank holding company for The Ohio Valley Bank Company that provides commercial and consumer banking products and services. The company operates in two segments, Banking and Consumer Finance. 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 also 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. Further, the company provides automatic teller machines (ATMs), consumer finance, seasonal tax preparation, commercial property, and various liability insurance services, as well as trust and online-only consumer direct mortgage services. 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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Ohio Valley Banc Corp is a regional bank holding company whose subsidiary provides commercial and consumer banking, deposit-taking and lending services to local customers. Long-term growth drivers may include expansion of the loan portfolio, net interest margin improvement as interest-rate environments change, and local economic growth; investors may find the company attractive for its community-focused deposit franchise and recurring fee income potential.
Principal investment risks include credit-quality deterioration tied to local economic weakness, sensitivity to interest-rate and funding-cost movements, regulatory and competitive pressures that could compress earnings, and concentration exposures in lending or deposits.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | 15.93M | 14.02M | 12.31M | 11.72M | 14.20M |
| Net income | 13.34M | 11.73M | 10.26M | 9.91M | 11.94M |
| Selling general administrative | 21.95M | 26.24M | 25.43M | 27.34M | 26.29M |
| Selling and marketing expenses | 1.43M | 0.83M | 0.61M | 0.84M | 0.78M |
| Gross profit | 54.94M | 50.88M | 49.42M | 50.96M | 52.66M |
| Reconciled depreciation | 0.04M | 0.05M | 1.53M | 1.46M | 1.33M |
| Ebit | 18.77M | 14.02M | 12.31M | 11.72M | 20.87M |
| Ebitda | 18.80M | 14.06M | 12.37M | 11.93M | 21.00M |
| Depreciation and amortization | 0.04M | 0.05M | 0.06M | 0.21M | 0.14M |
| Operating income | 18.77M | 14.02M | 12.31M | 11.72M | 19.67M |
| Other operating expenses | 36.17M | 36.86M | 37.11M | 39.24M | 32.99M |
| Interest expense | 2.84M | 3.70M | 6.19M | 7.26M | 5.47M |
| Tax provision | 2.59M | 2.28M | 2.05M | 1.81M | 2.25M |
| Interest income | 47.62M | 44.71M | 46.17M | 49.92M | 48.76M |
| Net interest income | 44.78M | 41.01M | 39.98M | 42.66M | 43.29M |
| Income tax expense | 2.59M | 2.28M | 2.05M | 1.81M | 2.25M |
| Total revenue | 54.94M | 50.88M | 49.42M | 50.96M | 52.66M |
| Total operating expenses | -36.17M | -36.86M | -37.11M | -39.24M | -32.99M |
| Cost of revenue | - | - | - | - | 6.51M |
| Total other income expense net | -2.84M | -3.70M | -6.19M | -7.26M | -5.47M |
| Net income from continuing ops | 13.34M | 11.73M | 10.26M | 9.91M | 11.94M |
| Net income applicable to common shares | 13.34M | 11.73M | 10.26M | 9.91M | 11.94M |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | 1352.13M | 1210.79M | 1249.77M | 1186.93M | 1013.27M |
| Intangible assets | 0.01M | 0.03M | 0.06M | 0.11M | 0.17M |
| Earning assets | - | - | - | - | 166.76M |
| Other current assets | 132.31M | 1.86M | 699.11M | 778.52M | 705.56M |
| Total liab | 1208.13M | 27.74M | 29.31M | 37.24M | 43.54M |
| Total stockholder equity | 144.01M | 135.03M | 141.36M | 136.32M | 128.18M |
| Other current liab | 754.57M | 1027.65M | 1059.91M | 993.74M | 875.96M |
| Common stock | 5.47M | 5.46M | 5.45M | 5.45M | 5.45M |
| Capital stock | 5.47M | 5.46M | 5.45M | 5.45M | 5.45M |
| Retained earnings | 114.87M | 109.32M | 100.70M | 92.99M | 86.75M |
| Other liab | - | - | 19.20M | 19.63M | - |
| Good will | 7.32M | 7.32M | 7.32M | 7.32M | 7.32M |
| Other assets | - | 753.37M | 699.11M | 778.52M | 705.56M |
| Cash | 128.13M | 47.85M | 154.36M | 140.80M | 54.72M |
| Total current liabilities | 762.57M | 1027.65M | 1079.10M | 1019.85M | 875.96M |
| Net debt | -73.83M | -20.11M | -125.05M | -103.56M | -11.17M |
| Short term debt | 8.00M | - | - | - | 7.32M |
| Short long term debt | - | - | - | - | 7.32M |
| Short long term debt total | 54.30M | 27.74M | 29.31M | 37.24M | 43.54M |
| Other stockholder equity | 35.09M | 35.06M | 34.50M | 35.45M | 35.45M |
| Property plant equipment | - | 20.44M | 21.93M | 22.19M | 19.22M |
| Total current assets | 132.31M | 235.04M | 334.06M | 256.44M | 162.60M |
| Long term investments | 170.24M | 196.41M | 187.29M | 122.34M | 886.42M |
| Net tangible assets | - | 127.68M | 133.97M | 128.89M | 120.69M |
| Short term investments | 162.26M | 184.07M | 177.00M | 112.32M | 105.32M |
| Net receivables | 3.61M | 3.11M | 2.69M | 3.32M | 2.56M |
| Long term debt | 53.09M | 26.45M | 28.11M | 36.36M | 42.49M |
| Inventory | -131.73M | - | 0.01M | 0.05M | 0.54M |
| Accounts payable | - | - | 1059.91M | 993.74M | 20.08M |
| Accumulated other comprehensive income | -11.43M | -14.81M | 0.71M | 2.44M | 0.53M |
| Common stock total equity | - | 5.46M | 5.45M | 5.45M | 5.45M |
| Retained earnings total equity | - | 109.32M | 100.70M | 92.99M | 86.75M |
| Treasury stock | - | - | - | -15.71M | -15.71M |
| Non currrent assets other | 1063.48M | -222.38M | -216.60M | -151.97M | -145.11M |
| Non current assets total | 1219.83M | 222.38M | 216.60M | 151.97M | 145.11M |
| Capital lease obligations | 1.21M | 1.29M | 1.20M | 0.88M | 1.05M |
| Long term debt total | - | 26.45M | 28.11M | 36.36M | 42.49M |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Investments | -82.32M | -52.60M | -88.69M | 5.86M | -11.13M |
| Change to liabilities | 1.22M | -0.11M | -0.63M | 2.38M | 1.95M |
| Total cashflows from investing activities | -83.39M | -52.35M | -88.69M | -0.08M | -12.73M |
| Net borrowings | -1.67M | -8.25M | -6.13M | -5.72M | 3.76M |
| Total cash from financing activities | -38.64M | 52.95M | 162.14M | -33.49M | -8.81M |
| Change to operating activities | - | -1.19M | -1.04M | 3.90M | 3.94M |
| Net income | 13.34M | 11.73M | 10.26M | 9.91M | 11.94M |
| Change in cash | -106.04M | 13.73M | 85.95M | -18.82M | -3.39M |
| Begin period cash flow | 152.03M | 138.30M | 52.36M | 71.18M | 74.57M |
| End period cash flow | 45.99M | 152.03M | 138.30M | 52.36M | 71.18M |
| Total cash from operating activities | 15.99M | 13.14M | 12.49M | 14.75M | 18.14M |
| Issuance of capital stock | - | - | - | 1.41M | 1.32M |
| Depreciation | 1.57M | 1.61M | 1.53M | 1.46M | 1.33M |
| Other cashflows from investing activities | 0.91M | 1.33M | -4.58M | 0.29M | 1.13M |
| Dividends paid | 4.72M | 4.02M | 4.02M | 4.00M | 3.97M |
| Change to account receivables | -0.42M | 0.62M | -0.76M | 0.07M | -0.14M |
| Sale purchase of stock | 0.00M | -0.95M | - | 1.41M | 1.32M |
| Other cashflows from financing activities | -32.01M | 65.71M | 171.66M | -25.18M | -2.02M |
| Change to netincome | 6.44M | 16.56M | 2.50M | 10.46M | 0.97M |
| Capital expenditures | 1.99M | 1.08M | 3.45M | 6.23M | 2.73M |
| Change receivables | -0.42M | 0.62M | -0.76M | 0.07M | -0.14M |
| Cash flows other operating | -6.28M | -18.09M | -39.32M | -9.70M | 1.83M |
| Cash and cash equivalents changes | -106.04M | 13.73M | 85.95M | -18.82M | -3.39M |
| Change in working capital | -0.48M | -0.57M | -1.79M | 3.98M | 3.81M |
| Stock based compensation | 0.57M | 0.51M | 2.06M | 0.33M | 0.29M |
| Other non cash items | 0.70M | -0.01M | 0.43M | -1.28M | 0.90M |
| Free cash flow | 14.00M | 12.05M | 9.04M | 8.52M | 15.42M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
|---|---|---|---|---|---|---|
| OVBC Ohio Valley Banc Corp |
-0.40 0.80% |
49.35 | 10.01 | - | 2.05 | 0.81 |
| DBSDY DBS Group Holdings Ltd ADR |
-2.55 1.14% |
222.00 | 20.00 | 17.57 | 7.54 | 3.17 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 |
| CIHKY China Merchants Bank Co Ltd |
-0.86 2.47% |
33.89 | 7.79 | 7.20 | 0.55 | 0.85 |
| UNCFF UniCredit SpA |
1.29 1.58% |
82.76 | 11.53 | 10.27 | 5.72 | 1.83 |
Ohio Valley Banc Corp. operates as the bank holding company for The Ohio Valley Bank Company that provides commercial and consumer banking products and services. The company operates in two segments, Banking and Consumer Finance. 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 also 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. Further, the company provides automatic teller machines (ATMs), consumer finance, seasonal tax preparation, commercial property, and various liability insurance services, as well as trust and online-only consumer direct mortgage services. 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.
| Name | Title | Year Born |
|---|---|---|
| Mr. Larry E. Miller II | Pres, CEO & Director | 1964 |
| Mr. Scott W. Shockey | Sr. VP & CFO | 1970 |
| Mr. Ryan J. Jones | COO & Chief Risk Officer | NA |
| Mr. Bryan F. Stepp | Sr. VP of Lending/Credit | 1963 |
| Mr. Tommy R. Shepherd | Sr. VP & Sec. | 1967 |
| Ms. Cindy H. Johnston | Assistant Sec. | 1961 |
| Mr. Bryan W. Martin | VP | NA |
| Mr. Frank W. Davison | VP | NA |
| Cherie A. Elliott | VP | NA |
| Melissa P. Wooten | Assistant VP, Shareholder Relations Mang. & Trust Officer | NA |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
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