Stock Ratings / Financials / OVBC / financials

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Ohio Valley Banc Corp. (OVBC) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$49.06 +2.23% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $49.16

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.

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY) →

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

EXT / AFTER-HRS: $49.16 (+0.21%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 0.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY • 57.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

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%

Deterministic 5-Pillar Attribution (69/100 Composite)

🔍 WHY OVBC SCORES 69/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (23% of score)

FRED Regime × Technicals: 71% of 52W Range • RSI-14 at 64.5 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (22% of score)

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

▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

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

Q1 (-3Q)

Grade C$44.74+2.8% Next Q

Q2 (-2Q)

Grade C+$45.99+2.9% Next Q

Q3 (-1Q)

Grade B-$47.32+3.7% Next Q

Current

Grade C+$49.06+2% Hist 90D α

Trajectory: C (61) → C+ (69)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 69/100 (C+) 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 ($45.76) or 200D SMA ($44.55) invalidates the momentum regime and cuts Target Base ($51.49) toward Bear Floor ($40.16).

🎲 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 69%NO 31%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How OVBC Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$17.0M (0.4% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$15.6M	$17.0M	9.2%
FY 2024	$4.00B	52%	0%	$11.0M	$11.7M	9.2%
FY 2023	$4.00B	52%	0%	$12.6M	$20.7M	9.2%

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

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring OVBC)

✓Walkthrough of OVBC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

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

How profitable is Ohio Valley Banc Corp. (OVBC)?

In FY 2025 (10-K), OVBC converted $4.0B of revenue into a 52% gross margin, 0% operating margin, and $17.0M in free cash flow (0.4% FCF margin).

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