Ohio Valley Banc Corp. (OVBC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$46.86+0.86%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · OVBC
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 1.3% |
| Our one-year growth estimate | diamond | 16.8% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 15.5 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of —
OVBC — dividend update
Dated 2026-07-14
Other Events On July 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 August 10, 2026 to shareholders of record on July 24, 2026. 2 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: July 14, 2026 By: /s/Larry E. Miller, II La…
Why it matters: The impact of new leadership on company performance will be crucial for future growth.
Watch forStakeholders give positive feedback about the new leaders and their plans.
Also watch forThere may be negative feedback or lower performance under the new leaders.
Why it matters: New leaders can change how the company works and its performance.
Watch forLook for good feedback from stakeholders about changes under President Ryan J. Jones.
Also watch forWatch for bad feedback or weak performance metrics after the leadership change.
Why it matters: Net income fell 30.5% year over year last quarter. Growth is crucial for stability.
Worry ifNet income for Q3 shows growth compared to $2.9 million in Q2 2026.
Less concerning ifNet income continues to decline year over year or remains below $2.9 million.
Why it matters: The extension of the buyback program signals confidence in the company’s value.
Supportive ifLook for more announcements about shares bought back. This is beyond the current $2.97 million.
Worry ifWatch for no shares bought back before the next earnings report.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$109 on $10,000 · ±1.1% | How much price usually moves either way. |
| Bad day | $228 loss on $10,000 · 2.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,704 loss on $10,000 · 17.0% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Keeping the dividend shows a promise to shareholders. This can affect how investors feel.
Supportive ifThe Board declares another quarterly cash dividend of $0.25 per share.
Worry ifThe Board reduces or skips the dividend payment.
Why it matters: The financial sector's growth affects OVBC's performance. A drop in revenue growth could impact OVBC negatively.
Worry ifSector revenue growth drops below its median of 15%.
Less concerning ifSector revenue growth remains above its median of 15%.
Why it matters: The earnings report will show how the company is doing financially and its growth path.
Watch forEarnings per share exceeds $0.91, showing improvement from Q1 2026.
Also watch forEarnings per share drops below $0.91. This shows a continued decline.
Why it matters: Revenue growth is a key driver for the financial sector. A drop signals weakening performance.
Worry ifRevenue growth falls below the median of the last three years.
Less concerning ifRevenue growth stays above the median of the last three years.
Why it matters: Interest rate changes affect bank profitability. A rate hike could pressure OVBC's margins.
Worry ifFOMC raises interest rates in the July 29 meeting.
Less concerning ifFOMC keeps interest rates unchanged or lowers them.
Why it matters: Keeping the dividend payout shows financial health. It also shows a promise to give value to shareholders.
Supportive ifThe company pays a cash dividend of $0.25 per share each quarter. This matches past payouts.
Worry ifThe dividend payout is reduced below $0.25 per share.
Why it matters: The buyback program extension signals confidence in the company's value. More buybacks could support the stock price.
Supportive ifThe company announced more buybacks. This is on top of the $2.97 million already bought back.
Worry ifThe company will not start more buybacks before August 2027.
Why it matters: A drop in net income shows ongoing problems with making money. Investors will watch this closely.
Worry ifQ3 net income falls more than 30% year over year compared to Q3 2025.
Less concerning ifQ3 net income declines less than 30% year over year or grows.
Why it matters: Opening new loan offices can help growth and increase market reach. Delays or cancellations may show problems.
Supportive ifNew loan office in Charleston, West Virginia opens as scheduled.
Worry ifThe opening of the Charleston loan office is delayed or canceled.