Ohio Valley Banc
OVBC on Nasdaq. Ohio Valley Banc Corp. sells banking services to individuals and businesses. Market value $211m.
Price checks use the past 12 months to June 2026. Some use the latest annual report instead, as marked. Quality checks use five annual reports, the latest for the year to December 2025.
We can't read total debt from the filing, so debt is left out.
Should I look at this?
Worth a closer look
Why it could be worth it
What to watch out for
Nothing stood out in the numbers we check.
This is not advice. Check the numbers below.
Yearly profit per dollar of owners' money: 9 cents. Above 10 is good.
What you pay for each dollar of net assets: $1.24.
Profit per $100 you pay: $6.61.
Quality score: 75 of 100. Price score: 85 of 100. Our list needs 70 on quality and 60 on price.
$45.65 a share, 34% above its 1-year low
Over the past year the price has ranged from $34.18 to $54.96.
Dividend: 2.0% a year
Paid every year for at least 5 years
Prices from Tuesday’s close (6 October).
Five years of cash, in billions
| Revenue | |||||
| Revenue | n/a | n/a | n/a | n/a | n/a |
| Operating margin | |||||
| Operating margin | n/a | n/a | n/a | n/a | n/a |
| Debt to equity | |||||
| Debt to equity | n/a | n/a | n/a | n/a | n/a |
| Shares outstanding | |||||
| Shares outstanding | 0.00bn | 0.00bn | 0.00bn | 0.00bn | 0.00bn |
Health checks
- Free cash flow positiveDoesn't apply to banks and insurers
- Accounting checksDoesn't apply to banks and insurers
- DebtDoesn't apply to banks and insurers
- Revenue growth, five yearsUnknown
- Buying back its own sharesRoughly flat
The quarter to June 2026
How the business did, compared with the same quarter a year earlier.
- Profit: $3 million, down 30% on a year ago.
- Spare cash over the past 12 months: $20 million, up from $12 million.
| Quarter to | Amount |
|---|---|
| September 2024 | $3m |
| December 2024 | $3m |
| March 2025 | $4m |
| June 2025 | $4m |
| September 2025 | $3m |
| December 2025 | $4m |
| March 2026 | $4m |
| June 2026 | $3m |
From the company's quarterly reports to the SEC.
Dates
- Next results (estimated)
- n/a
- Last annual report (10-K)
- 13 March 2026
- Next quarterly (estimated, 10-Q)
- 12 November 2026
Who owns it
None of the long-term investors we follow own it. 73 funds in all.
Largest holders overall
- BlackRock$11mAdded
- Manufacturers Life Insurance Company, the$8m
- Vanguard Capital Management$7m
- Dimensional Fund Advisors LP$5mAdded
- Susquehanna International Group, LLP$5mNew
- Geode Capital Management$4mAdded
- State Street$3mAdded
- Bridgeway Capital Management$2mAdded
- Prosperity Consulting Group$2m
- Northern Trust$1mAdded
From 13F filings for the quarter ended 30 June 2026.
Big holders and activists
3 investors own more than 5%.
- Bell Edward AllenPassive investor7.6%Since 31 December 2024
- OHIO VALLEY BANK CoPassive investor7.5%−0.2 ptsSince 31 December 2025
- OHIO VALLEY BANC CORPPassive investor7.2%Since 31 December 2024
| Holder | Stake | Since | |
|---|---|---|---|
Bell Edward Allen Passive investor | 7.6% | 31 December 2024 | |
OHIO VALLEY BANK Co Passive investor | 7.5%−0.2 pts | 31 December 2025 | |
OHIO VALLEY BANC CORP Passive investor | 7.2% | 31 December 2024 |
From Schedule 13D and 13G filings: anyone owning more than 5% must file one.
What insiders did
In the last 12 months, 2 insiders bought $17,954 of shares on the open market. 1 sold $260,375.
- Michael Seth IsaacDirectorBought
- Date
- 12 August 2026
- Shares
- 67
- Price
- $44.49
- Value
- $3,000
- BARNITZ ANNA PDirectorBought
- Date
- 12 August 2026
- Shares
- 34
- Price
- $44.49
- Value
- $1,500
- Michael Seth IsaacDirectorBought
- Date
- 12 May 2026
- Shares
- 65
- Price
- $45.84
- Value
- $3,000
- BARNITZ ANNA PDirectorBought
- Date
- 12 May 2026
- Shares
- 33
- Price
- $45.84
- Value
- $1,500
- Michael Seth IsaacDirectorBought
- Date
- 13 February 2026
- Shares
- 69
- Price
- $42.81
- Value
- $2,969
- BARNITZ ANNA PDirectorBought
- Date
- 13 February 2026
- Shares
- 35
- Price
- $42.81
- Value
- $1,485
- JONES RYAN JOSEPHRISK OFFICER/COOSold
- Date
- 11 December 2025
- Shares
- 6,250
- Price
- $41.66
- Value
- $260,375
- BARNITZ ANNA PDirectorBought
- Date
- 12 November 2025
- Shares
- 42
- Price
- $35.75
- Value
- $1,500
- Michael Seth IsaacDirectorBought
- Date
- 12 November 2025
- Shares
- 84
- Price
- $35.75
- Value
- $3,000
| Date | Who | Did | Shares | Price | Value |
|---|---|---|---|---|---|
| 12 August 2026 | Michael Seth Isaac Director | Bought | 67 | $44.49 | $3,000 |
| 12 August 2026 | BARNITZ ANNA P Director | Bought | 34 | $44.49 | $1,500 |
| 12 May 2026 | Michael Seth Isaac Director | Bought | 65 | $45.84 | $3,000 |
| 12 May 2026 | BARNITZ ANNA P Director | Bought | 33 | $45.84 | $1,500 |
| 13 February 2026 | Michael Seth Isaac Director | Bought | 69 | $42.81 | $2,969 |
| 13 February 2026 | BARNITZ ANNA P Director | Bought | 35 | $42.81 | $1,485 |
| 11 December 2025 | JONES RYAN JOSEPH RISK OFFICER/COO | Sold | 6,250 | $41.66 | $260,375 |
| 12 November 2025 | BARNITZ ANNA P Director | Bought | 42 | $35.75 | $1,500 |
| 12 November 2025 | Michael Seth Isaac Director | Bought | 84 | $35.75 | $3,000 |
From Form 4 filings: insiders must report trades in their own company's shares within two days.
Warning signs in its filings
Problems the company itself reported to the SEC, in its own words.
None of the warning signs we check for were found.
We look for five warning signs: doubt it can keep going, weak checks on its own accounts, a notice that its past accounts can't be relied on, a change of auditor, and one customer bringing in a big share of sales. We don't check lawsuits, investigations or debt yet.
We checked the auditor's report, internal controls, restatement notices, auditor changes and big customers in the 10-K filed 13 Mar 2026, plus the 10-Q filed 13 Aug 2026 and 6 later 8-Ks.
A 10-K is the yearly report every US company files with the SEC. An 8-K is a short notice of a big event.
What could go wrong
Cheap for a reason is the question the numbers cannot answer.
Whether the price already reflects the risks is what the deep dive is for.
The deep dive
Everything above is arithmetic on public filings. The deep dive reads the last ten years of annual reports, the proxy statements, and the earnings calls, then argues the case the way Buffett, Klarman, and Hohn would, and checks every claim against the source.
- What the business is worth, as a range, and the margin of safety at today’s price
- Prices to start buying, buy, and buy hard
- The three things that would make this a mistake
- Every number footnoted to the filing it came from
Your first deep dive is free.
Not advice. Numbers on this page come from SEC filings and are updated each night; prices are updated again after the US market closes. The five-year figures are rounded.