Ohio Valley Banc (OVBC)
Operates Ohio Valley Bank and Loan Central across Ohio and West Virginia.
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Runs community banking, consumer finance, trust, digital banking, and tax-refund services through Ohio Valley Bank and Loan Central. Revenue depends mainly on loan interest and fees, with operations concentrated in southeastern Ohio and western West Virginia.
Runs a community-bank franchise built around The Ohio Valley Bank Company, with deposits, commercial and consumer loans, real-estate lending, trust services, credit-card services, internet banking, bill pay, and cash management. Loan Central adds smaller-balance personal and mortgage loans for borrowers that may not meet the bank's credit standards, plus seasonal tax-preparation and refund-advance services.
Operations are concentrated in southeastern Ohio and western West Virginia, with bank offices across both states and Loan Central offices in southeastern Ohio. Product evolution has been additive: trust services, Loan Central, tax-refund products, online banking, and bill pay sit around the core deposit-and-loan franchise.
Economics depend mainly on loan interest and fees, with deposits funding the balance sheet and local competition shaping loan and deposit pricing. Tax-refund services are in transition after a third-party agreement ended, leaving limited replacement activity.
Company facts
Categories
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $15.8M · Total debt $51.7M · Total assets $1.66B · Shareholders' equity $173.4M
- Revenue
- $26.7M
- Operating income
- $3.6M
- Net income
- $2.9M
Raised for 30 straight years — most recently to $0.25 from $0.23 in Apr 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jul 24, 2026 | Jul 24 | Aug 10 | $0.25 | |
| Apr 24, 2026 | Apr 24 | May 10 | $0.25 | raised from $0.23 |
| Jan 23, 2026 | Jan 23 | Feb 10 | $0.23 | |
| Oct 31, 2025 | Oct 31 | Nov 10 | $0.23 | |
| Jul 25, 2025 | Jul 25 | Aug 10 | $0.23 | |
| Apr 25, 2025 | Apr 25 | May 10 | $0.23 | raised from $0.22 |
| Jan 24, 2025 | Jan 24 | Feb 10 | $0.22 | |
| Oct 25, 2024 | Oct 25 | Nov 10 | $0.22 |
| Institutions61 holders · as of Mar 31, 2026 | 29.49% | 1.39M shares | |
| Insiders13 holders · as of Aug 12, 2026 | 4.27% | 201.2K shares | |
| Otherremainder | 66.24% | 3.12M shares |
4.71M company shares as of Sep 3, 2026 · institutions as of Mar 31, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
OHIO VALLEY BANK CoInstitution | 7.56% | 356,327 | 13Gfiled Feb 12, 2026 ↗ |
Fourthstone LLCInstitution | 4.66% | 219,663 | 13Fas of Mar 31, 2026 |
BlackRock, Inc.Institution | 4.38% | 206,482 | 13Fas of Mar 31, 2026 |
Manufacturers Life Insurance Company, theInstitution | 3.78% | 177,978 | 13Fas of Mar 31, 2026 |
Vanguard Capital Management LLCInstitution | 3.39% | 159,746 | 13Fas of Mar 31, 2026 |
| See all 25 → | |||
13F — a manager's quarterly holdings · 13D/13G — an ownership statement filed at 5% or more
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 12, 2026 | Seth Isaac Michael | director | +67 | $44.49 |
| Aug 12, 2026 | Anna P. Barnitz | director | +34 | $44.49 |
| May 12, 2026 | Anna P. Barnitz | director | +33 | $45.84 |
| May 12, 2026 | Seth Isaac Michael | director | +65 | $45.84 |
| Feb 13, 2026 | Anna P. Barnitz | director | +35 | $42.81 |
- Peoples Bancorp
Closest public peer in Ohio/West Virginia community banking
- WesBanco
Large WV/OH regional bank with branch, loan, and trust overlap
- Park National
Ohio-centered bank competing for deposits, loans, and trust assets
- First Financial Bancorp
Larger Ohio regional bank competing in deposits and lending
- United Bankshares
West Virginia-based regional bank overlapping in WV and Ohio
- Community Trust Bancorp
Appalachian community bank peer in WV-adjacent lending markets
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Ohio Valley Banc | $46.81 | +3.69% | $220.5M | 15.5 | — | 2.2 | +11.6% |
| Peoples Bancorp | $39.26 | −0.56% | $1.42B | 11.9 | 10.6 | 2.4 | +9.4% |
| WesBanco | $40.25 | −0.59% | $3.88B | 11.4 | 11.1 | 2.6 | +6.3% |
| Park National | $193.40 | 0.00% | $3.49B | 17.3 | 14.6 | 5.7 | +24.7% |
| First Financial Bancorp | $32.68 | +2.05% | $3.43B | 11.5 | 10.2 | 2.6 | +16.7% |
| United Bankshares | $47.23 | −0.15% | $6.52B | 12.9 | 12.6 | 3.6 | +6.0% |
| Community Trust Bancorp | $77.15 | +1.90% | $1.40B | 12.9 | 12.0 | 3.3 | +11.8% |
| Median | 12.4 | 11.6 | 2.9 | +10.6% |