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Ohio Valley Banc Corp. (OVBC) — RQD Stock Rating Cockpit

$49.06 +2.23% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Ohio Valley Banc Corp. (OVBC) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $269.4M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C+

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for OVBC)Realized 20D OHLCV Swing Band: ±4.5%

RSI-14 MOMENTUMBULLISH MOMENTUM

64.530 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE71% OF RANGE

L: $35$49.06H: $55

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: B-RQD 14 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 26 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on OVBC

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (70)

9.2% ROIC with 42.0% gross margin and 6.33% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (70)

26/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like OVBC

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (OVBC Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

OVBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +10.22%⚡ TESTING RESISTANCE

2026-10-30O $48.52H $49.43L $48.22C $49.06VOL 42.5K

RES: $50.04SUP: $42.46SMA50: $45.76SMA200: $44.55

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

OVBC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 OVBC Butterfly Map → + Track OVBC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

10.3%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on OVBC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for OVBC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for OVBC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (OVBC)

Financials Rank #196 of 1096 ⚔️ RMBI vs OVBC Full Matrix →

1. Head-to-Head Financials Peer Comparison (OVBC vs. RMBI, VABK, NKSH, FXNC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Ohio Valley Banc Corp. (OVBC) ranks #196 by composite RQD confidence (69/100, grade C+) and #835 by equity capitalization ($269.4M). Within this direct 5-issuer industry benchmark cohort, VABK leads on earnings valuation at 14.4x trailing P/E, while VABK leads on capital efficiency and profitability with 10.5% ROIC and — gross margin. VABK currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with OVBC at 69/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
OVBC ACTIVE Ohio Valley Banc Corp.	C+	69/100	17.3x	—	9.2%	+2.23%	$269.4M	Benchmark Subject
RMBI Richmond Mutual Bancorporation Inc.	C+	67/100	23.0x	—	7.9%	+0.44%	$265.8M	/rmbi-vs-ovbc →
VABK Virginia National Bankshares Corporation	B-	70/100	14.4x	—	10.5%	+5.14%	$277.7M	/vabk-vs-ovbc →
NKSH National Bankshares Inc.	C+	66/100	16.5x	—	8.6%	+0.10%	$260.9M	/nksh-vs-ovbc →
FXNC First National Corporation	B-	70/100	15.8x	—	9.5%	+0.26%	$279.7M	/fxnc-vs-ovbc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000894671

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Ohio Valley Banc Corp. (OVBC) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $15.6M, operating cash flow of $18.1M, and free cash flow of $17.0M (+46.2% YoY). On the balance sheet, OVBC closed FY2025 with $1.58B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$15.6M	$18.1M	$17.0M	$1.58B	—
FY2024 (FY)	2024-12-31	$0	$11.0M	$13.1M	$11.7M	$1.50B	—
FY2023 (FY)	2023-12-31	$0	$12.6M	$20.7M	$20.7M	—	—

3. OVBC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is OVBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Ohio Valley Banc Corp. (NASDAQ: OVBC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $49.06 (+2.23% 1D, market cap $269.4M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, OVBC ranks #196 in composite RQD confidence.

How does OVBC compare to RMBI and VABK in the Financials sector?

Within the Financials sector (Major Banks), OVBC carries a Roarable C+ (69/100 RQD), trailing P/E of 17.3x, gross margin of —, and ROIC of 9.2%. By comparison, RMBI (Richmond Mutual Bancorporation Inc.) holds a C+ grade (67/100 RQD, P/E 23.0x, ROIC 7.9%, cap $265.8M) and VABK (Virginia National Bankshares Corporation) posts a B- grade (70/100 RQD, P/E 14.4x, ROIC 10.5%, cap $277.7M). Among the 5-stock peer group, VABK leads on earnings multiple (14.4x) while VABK leads on capital efficiency (10.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for OVBC?

Per OVBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000894671), Ohio Valley Banc Corp. generated $0 in revenue, $15.6M in net income, and $17.0M in free cash flow against $1.58B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is OVBC trading relative to its 50-day, 200-day, and 52-week technical levels?

OVBC last traded at $49.06 (+2.23% on volume of 13,395 shares), positioning the stock +7.21% above its 50-day simple moving average ($45.76) and +10.12% above its 200-day simple moving average ($44.55). Across its 52-week range of $34.81 to $54.96, OVBC sits at the 70.7% percentile with a 14-day RSI of 64.5 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.5% ($46.85 to $51.27).

OVBC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell OVBC stock right now?

Ohio Valley Banc Corp. (OVBC) currently earns a Roarable Rating of C+ (Hold — HOLD) with 69/100 RQD Confidence. Solid steady margins (9% return on capital), mixed timing at 17x P/E—hold if owned, no rush to chase.

What is OVBC's 12-month price target and RQD AI Jury consensus?

OVBC's 12-month base price target is $51.49 (range $40.16 to $60.76), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: OVBC RQD Cockpit OVBC 12M Forecast OVBC Earnings & Move OVBC Dividends & DRIP OVBC Insiders & 13F OVBC Whale Options OVBC Profit Sankey OVBC News & Why