Stock Ratings / Financials / OVBC / earnings

RMBI (65) VABK (71) NKSH (63) FXNC (67) ⌘ Pro Terminal →

Ohio Valley Banc Corp. (OVBC) Next Earnings Date & Expected ±4.6% Move

$48.22 -1.21% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $48.23

Ohio Valley Banc Corp. (OVBC) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 9% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate) →

ROARABLE B- • BUY Cap $269.4M

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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on OVBC Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is OVBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Ohio Valley Banc Corp. (NASDAQ: OVBC) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $48.22 (-1.21% 1D, market cap $269.4M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, OVBC ranks #137 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does OVBC compare to RMBI and VABK in the Financials sector?

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Within the Financials sector (Major Banks), OVBC carries a Roarable B- (70/100 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 (65/100 RQD, P/E 23.0x, ROIC 7.9%, cap $265.8M) and VABK (Virginia National Bankshares Corporation) posts a B- grade (71/100 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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for OVBC?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $48.23 (+0.02%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 0.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B-

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 B- · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+5.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for OVBC)Realized 20D OHLCV Swing Band: ±4.6%

Deterministic 5-Pillar Attribution (70/100 Composite)

🔍 WHY OVBC SCORES 70/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+15/20 pts (21% of score)

FRED Regime × Technicals: 67% of 52W Range • RSI-14 at 68.6 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (21% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)

Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$45.42+0% Next Q

Q2 (-2Q)

Grade C+$45.40+3.6% Next Q

Q3 (-1Q)

Grade B-$47.02+2.6% Next Q

Current

Grade B-$48.22+6.6% Hist 90D α

Trajectory: C+ (62) → B- (70)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the OVBC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 70/100 (B-) score, OVBC faces multiple-compression risk if 17.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

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

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($45.85) or 200D SMA ($44.59) invalidates the momentum regime and cuts Target Base ($50.82) toward Bear Floor ($39.54).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $OVBC• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “OVBC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 70%NO 30%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~57 DAYS)

Historical OHLCV Volatility ±4.6% Swing Band

±$2.22 Expected Swing

MODEL EARNINGS SETUP GAUGE

OVBC Quantitative Pre-Earnings Setup: 70/100

Trailing EPS: $2.84 • YoY Revenue Growth: 12.4%

Model Bullish Setup (70/100)Model Risk Weight (30/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$0	$15.6M	$17.0M	52%
FY 2024	2024-12-31	$0	$11.0M	$11.7M	52%
FY 2023	2023-12-31	$0	$12.6M	$20.7M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating OVBC & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on OVBC
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

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

OVBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +9.34%▲ ASCENDING CHANNEL

2026-11-02O $47.99H $49.06L $47.99C $48.22VOL 13.4K

RES: $50.10SUP: $42.48SMA50: $45.85SMA200: $44.59

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 #137 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 #137 by composite RQD confidence (70/100, grade B-) 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 71/100 (B-) compared with OVBC at 70/100 (B-).

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.	B-	70/100	17.3x	—	9.2%	-1.21%	$269.4M	Benchmark Subject
RMBI Richmond Mutual Bancorporation Inc.	C	65/100	23.0x	—	7.9%	0.00%	$265.8M	/rmbi-vs-ovbc →
VABK Virginia National Bankshares Corporation	B-	71/100	14.4x	—	10.5%	+0.63%	$277.7M	/vabk-vs-ovbc →
NKSH National Bankshares Inc.	C	63/100	16.5x	—	8.6%	-1.88%	$260.9M	/nksh-vs-ovbc →
FXNC First National Corporation	C+	67/100	15.8x	—	9.5%	-1.52%	$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?

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

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

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

OVBC last traded at $48.22 (-1.21% on volume of 42,541 shares), positioning the stock +5.17% above its 50-day simple moving average ($45.85) and +8.14% above its 200-day simple moving average ($44.59). Across its 52-week range of $34.80 to $54.96, OVBC sits at the 66.6% percentile with a 14-day RSI of 68.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.6% ($46.00 to $50.44).

OVBC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is OVBC's next earnings date?

Based on SEC filing cadence, Ohio Valley Banc Corp. (OVBC)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is OVBC stock expected to move on earnings?

Volatility modeling currently projects a ±4.6% event move for OVBC, spanning a range between $46 and $50.44.

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

ROARABLE RATING BRIEF • RQD 70/100 (B-) ✓ STAGE-C NUMBER FIREWALL VERIFIED

OVBC — Ohio Valley Banc Corp.: What the Facts Mean to a Prospective Investor

Engine: Haiku 5.5 Dossier Pipeline

As of: 2026-11-02T14:57Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD 5-pillar rating engine, Ohio Valley Banc Corp. (OVBC) carries a composite score of 70/100 (B- — Roarable Buy — Sound Institutional Accumulation) at a current price of $48.22 (-1.21%). Fundamental cash generation scores 14/20 (ROIC 9.2%, FCF yield 6.33%), institutional 13F whale accumulation scores 13/20, insider conviction scores 15/20, macro regime alignment scores 15/20 (Beta 1.00), and forensic balance-sheet protection scores 13/20 (Altman Z-Score N/A, Piotroski F-Score 5/9).

Investor Implication: At 17.3x trailing P/E and 16.1x forward P/E within Major Banks, upside depends on sustained operating margin expansion (—) and free cash flow conversion relative to the 52-week range of $34.80 – $54.96.

Butterfly Effect: Supply-Chain, Sector & Catalyst Ripples

Operating in Major Banks (Financials), OVBC is sensitive to 2nd-order capital expenditure cycles, input cost spreads (gross margin —), and institutional positioning across its peer cohort. Prospective investors should monitor quarterly order backlog conversion, sector capex guidance, and Form 4 insider cluster activity (0 recent filings tracked).

Open Questions to Watch: (1) Margin trajectory vs. peer median; (2) FCF conversion sustainability over the next 4 quarters; (3) Institutional 13F rebalancing around upcoming earnings.

OVBC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Ohio Valley Banc Corp. (OVBC) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to OVBC Debate Forum (3) ↓

🟢 CATALYST Yahoo • 3d ago

Ohio Valley Banc Stock Gains Post Q3 Earnings, Net Income Rises Y/Y

OVBC's third-quarter 2026 earnings benefit from higher interest and noninterest income and loan growth, even as elevated credit costs pressure profitability.

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 4d ago

Ohio Valley Banc: Q3 Earnings Snapshot

GALLIPOLIS, Ohio (AP) — GALLIPOLIS, Ohio (AP) — Ohio Valley Banc Corp. (OVBC) on Tuesday reported net income of $3.

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 5d ago

Ohio Valley Banc Corp. Reports 3rd Quarter Earnings

Ohio Valley Banc Corp. (Nasdaq: OVBC) (the "Company") reported consolidated net income for the quarter ended September 30, 2026, of $3,295,000, an increase of $265,000, or 8.7%, from the same period the prior year. Earni

Read Full Source ↗

🔴 RISK WATCH Yahoo • 6d ago

5 Dividend Stocks With Yields Up to 5.8%. Their Ex-Dividend Dates Are Almost Here

Five dividend payers go ex this week, and missing the cutoff by even one day means the seller collects instead of you. Which of these stocks pairs the highest yield with enough coverage to make it worth the rush?

Read Full Source ↗

🟡 MARKET WIRE Benzinga • 6d ago

Ohio Valley Banc Q3 EPS $0.70 Up From $0.64 YoY, Sales $18.955M Up From $16.345M YoY

Ohio Valley Banc (NASDAQ:OVBC) reported quarterly earnings of $0.70 per share. This is a 9.37 percent increase over earnings of $0.64 per share from the same period last year. The company reported $18.955 million in

Read Full Source ↗

🟢 CATALYST Yahoo • 12d ago

OVBC ANNOUNCES CASH DIVIDEND

Ohio Valley Banc Corp. [Nasdaq: OVBC] Board of Directors declared a cash dividend of $0.25 per common share payable on Nov. 10, 2026, to shareholders of record as of the close of business on Oct. 30, 2026.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

OVBC Bull vs. Bear Conversation Board — What's Your Call at $48.22?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON OVBC 🐻 33% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk 🐂 BULLISH 🎯 Target: $57.89 (+18.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is OVBC (B- • RQD 70/100) a Buy at $49.06?

Welcome to the OVBC (Ohio Valley Banc Corp.) Roar Pit. Current RQD Composite is 70/100 (Roarable Buy — Sound Institutional Accumulation) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

BE BearTrap_Alert Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $37.29 (-24.0%)

Spot @ $49.06

Pump the brakes on OVBC — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on OVBC, but look at what you are paying: 17.3x trailing P/E with tightening sector spreads. Unless Ohio Valley Banc Corp. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

DE DeltaGamma_99 Verified K Arena Trader 🐂 BULLISH 🎯 Target: $59.85 (+22.0%)

Spot @ $49.06

OVBC cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on OVBC, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $49.06 (52-wk range $34.80 - $54.96), any beat on forward guidance forces shorts and underweight funds to chase.