Ohio Valley Banc Corp. (OVBC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$49.10+0.61%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
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 | -15.5% |
| 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 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
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 32.2 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of — · Company calendar date is not available
OVBC — dividend update
Dated 2026-10-20
Other Events On October 20, 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 November 10, 2026 to shareholders of record on October 30, 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: October 20, 2026 By: /s/Larry E. Mi…
Why it matters: Net income fell in the first half, while Q3 rose year over year. The financial sector's growth trend is also easing.
Worry ifOVBC reports net income below the prior-year quarter in its next quarterly results.
Less concerning ifOVBC reports net income above the prior-year quarter in its next quarterly results.
Why it matters: Q3 net income rose 8.7% year over year, but nine-month income fell 9.7%. Another quarter of growth would show a stronger turn.
Supportive ifQ4 net income is above the prior-year quarter's $3.03 million.
Worry ifQ4 net income is at or below the prior-year quarter's $3.03 million.
Why it matters: The new office would add a lending location in West Virginia. A delay or cancellation would slow this stated expansion.
Supportive ifOVBC confirms that its Charleston, West Virginia, loan office has opened.
Worry ifOVBC reports that the Charleston office will open later than its stated summer date, or that it is canceled.
Why it matters: The board kept the quarterly dividend at $0.25 per share in October. A later change would mark a shift in that payout record.
Watch forThe board declares a quarterly dividend of at least $0.25 per share at its next dividend decision.
Also watch forThe board sets a quarterly dividend under $0.25 per share, or sets no dividend.
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.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$74 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $214 loss on $10,000 · 2.1% | 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.