Ohio Valley Banc Corp. Financial Ratios — OVBC Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	8.34	9.55	10.38	9.69	9.71	7.1	7.02	10.51	8.05	7.76	8.45	9.65	9.05	7.47	9.73
Return on Assets (%)	0.7	0.9	1.07	1.06	1.09	0.79	0.76	1.16	0.97	0.93	0.96	1.08	0.99	0.77	1.01
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.66	2.8	2.31	2.05	2.29	2.86	2.94	2.53	2.86	3.09	3.17	2.86	2.79	2.8	2.55
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	19.22	23.86	27.02	26.36	27.04	19.84	23.44	26.96	23	24.9	27.55	29	25.91	21.58	29.16
Profit Margin (%)	14.2	17.14	19.83	19.01	20.37	15.53	14.68	22.68	19.44	20.76	23.06	24.28	21.53	17.75	23.38
Net Income to Common Margin (%)	14.2	17.14	19.83	19.01	20.37	15.53	14.68	22.68	19.44	20.76	23.06	24.28	21.53	17.75	23.38
Effective Tax Rate (%)	26.12	28.14	26.59	27.87	24.68	21.72	37.4	15.88	15.47	16.64	16.3	16.28	16.89	17.77	19.8
Dvd Payout Ratio (%)	57.58	62.29	36.55	42.62	42.75	51.81	52.36	33.21	40.38	39.2	34.25	35.39	38.56	37.98	27.48
Sustainable Growth Rate (%)	3.54	3.6	6.59	5.56	5.56	3.42	3.34	7.02	4.8	4.72	5.56	6.24	5.56	4.64	7.06

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	34	28	27	33	32	46	44	48	44	37	29	28	54	49	54
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	34	28	27	33	32	46	44	48	44	37	29	28	54	49	54
Total Debt/EBITDA	30.95	24.12	28.83	38.39	33.62	35.81	29.55	36.22	29.89	24.36	18.18	17.67	33.19	28.38	31.85
Net Debt/EBITDA	-16.33	-15.51	-1.16	1.74	-15.34	2.95	-21.24	-18.81	-8.39	-68.31	-78.32	-13.64	-45.86	-20.08	4.37
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.93	9.86	10.76	11.07	11.36	10.95	10.66	11.44	12.65	11.49	11.31	11.15	10.65	10	10.76
Long-Term Debt/Equity (%)	47.04	36.65	33.88	38.82	35.86	43.61	40.64	40.9	33.97	27.32	20.73	20.54	37.71	32.77	31.88
Long-Term Debt/Capital (%)	31.99	26.82	25.31	27.97	26.4	30.37	28.9	29.03	25.36	21.46	17.17	17.04	27.38	24.68	24.17
Long-Term Debt/Total Assets (%)	4.2	3.61	3.65	4.3	4.07	4.78	4.33	4.68	4.3	3.14	2.35	2.29	4.02	3.28	3.43
Total Debt/Equity (%)	47.04	36.65	33.88	38.82	35.86	43.61	40.64	40.9	33.97	27.32	20.73	20.54	37.71	32.77	31.88
Total Debt/Capital (%)	31.99	26.82	25.31	27.97	26.4	30.37	28.9	29.03	25.36	21.46	17.17	17.04	27.38	24.68	24.17
Total Debt/Total Assets (%)	4.2	3.61	3.65	4.3	4.07	4.78	4.33	4.68	4.3	3.14	2.35	2.29	4.02	3.28	3.43
Net Debt to Equity	-24.82	-23.56	-1.36	1.76	-16.36	3.59	-29.21	-21.24	-9.54	-76.61	-89.31	-15.85	-52.1	-23.19	4.38
Net Debt/Capital (%)	-33.02	-30.83	-1.38	1.73	-19.56	3.46	-41.26	-26.96	-10.45	-318.76	-774.44	-18.63	-106.92	-29.93	4.17
EBITDA	1	1	1	1	1	1	2	1	1	2	2	2	2	2	2
EBITDA-CapEx	1	1	- -	- -	-1	- -	- -	-1	-5	-2	1	- -	-1	- -	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.93	9.86	10.76	11.07	11.36	10.95	10.66	11.44	12.65	11.49	11.31	11.15	10.65	10	10.76
Long-Term Debt/Equity (%)	47.04	36.65	33.88	38.82	35.86	43.61	40.64	40.9	33.97	27.32	20.73	20.54	37.71	32.77	31.88
Long-Term Debt/Capital (%)	31.99	26.82	25.31	27.97	26.4	30.37	28.9	29.03	25.36	21.46	17.17	17.04	27.38	24.68	24.17
Long-Term Debt/Total Assets (%)	4.2	3.61	3.65	4.3	4.07	4.78	4.33	4.68	4.3	3.14	2.35	2.29	4.02	3.28	3.43
Total Debt/Equity (%)	47.04	36.65	33.88	38.82	35.86	43.61	40.64	40.9	33.97	27.32	20.73	20.54	37.71	32.77	31.88
Total Debt/Capital (%)	31.99	26.82	25.31	27.97	26.4	30.37	28.9	29.03	25.36	21.46	17.17	17.04	27.38	24.68	24.17
Total Debt/Total Assets (%)	4.2	3.61	3.65	4.3	4.07	4.78	4.33	4.68	4.3	3.14	2.35	2.29	4.02	3.28	3.43
CFO/Total Liabilities	2.21	1.56	1.97	1.69	1.47	1.57	1.58	1.99	1.67	1.19	1.19	1.49	1.72	0.97	1.28
CFO/CapEx	36.04	24.78	11.42	11.86	5.33	7.94	8.39	6.66	2.37	3.62	12.15	8.04	7.72	9.14	17.44
Altman's Z-Score	0.2	0.21	0.24	0.25	0.25	0.24	0.27	0.27	0.3	0.22	0.23	0.24	0.22	0.21	0.24

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	28.62	16.69	20.67	22.91	23.22	21.56	21.24	20.49	19.59	16.8	16.92	18.92	17.46	14.74	12.98
Days Sales Outstanding	12.75	21.87	17.66	15.93	15.72	16.93	17.18	17.82	18.63	21.72	21.57	19.29	20.9	24.77	28.12
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	74	76	90	101	101	127	190	168	190	113	141	126	110	114	188
- Cash & Cash Equivalents	52	46	28	32	47	42	76	73	55	141	154	48	128	83	46
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	34	28	27	33	32	46	44	48	44	37	29	28	54	49	54
Enterprise Value	-29	-36	5	17	-5	34	57	41	73	-103	-161	-78	-126	-188	-12
Total Capital	106	104	108	120	123	150	154	166	172	174	171	163	198	200	225
Total Debt/Capital (%)	31.99	26.82	25.31	27.97	26.4	30.37	28.9	29.03	25.36	21.46	17.17	17.04	27.38	24.68	24.17
Total Debt / EV	-1.16	-0.76	5.4	1.93	-6.05	1.33	0.78	1.19	0.59	-0.36	-0.18	-0.36	-0.43	-0.26	-4.63
EV/Sales	- -	- -	0.12	0.41	- -	0.77	1.11	0.77	1.44	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	5.34	19.87	- -	26.84	37.83	30.48	50.23	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	0.38	1.48	- -	2.56	3.93	2.24	4.96	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	0.35	1.37	- -	2.27	3.51	1.94	3.49	- -	- -	- -	- -	- -	- -
Diluted Market Cap	74	76	89	101	101	118	189	167	189	113	142	126	110	115	188
Diluted Enterprise Value	56	58	88	102	86	122	157	142	178	9	17	106	36	81	197
EV per Share	- -	- -	1.23	4.21	- -	7.32	12.1	8.56	15.29	- -	- -	- -	- -	- -	- -
TTM Sales	41	41	41	42	42	45	51	53	51	49	51	55	59	62	67
TTM EBITDA	1	1	1	1	1	1	2	1	1	2	2	2	2	2	2
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	16	11	13	12	10	13	14	18	15	12	13	16	21	13	18
TTM Free Cash Flow to Firm	17	11	14	13	12	15	16	21	21	16	14	18	23	15	19

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	4.45	6.72	6.25	7.94	8.19	7.87	11.67	8.02	9	7.09	9.93	7.01	4.69	7.89	9.85
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-29	-36	5	17	-5	34	57	41	73	-103	-161	-78	-126	-188	-12
Low Price	16.01	17.07	17.56	21.5	22.1	21.4	26.02	26.45	29.72	19.2	21.16	22.68	21.69	19.35	21.86
EV/Sales	- -	- -	0.12	0.41	- -	0.77	1.11	0.77	1.44	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	5.34	19.87	- -	26.84	37.83	30.48	50.23	- -	- -	- -	- -	- -	- -
Price/Earnings	12.69	10.74	11.03	12.46	11.79	17.11	25.21	14	19.07	11.01	12.08	9.45	8.69	10.43	12.07
Price/Earnings Average	12.68	10.78	10.19	11.59	11.3	14.4	20.54	16.87	17.65	11.87	10.44	10.45	9.3	10.26	10.06
Price/Earnings High	15.95	11.75	11.57	12.46	12.5	18.45	27.36	22.22	19.97	19.23	13.32	11.62	10.58	12.06	12.68
Price/Earnings Low	10.98	9.76	8.8	10.92	10.61	13.46	16.23	10.47	14.3	8.96	8.62	8.11	8.2	8.33	6.6
Price/Book Value	1.04	1.01	1.12	1.17	1.12	1.21	1.74	1.42	1.48	0.83	1	0.93	0.76	0.76	1.11
Price/Book Value Average	1.04	1.01	1.04	1.09	1.07	1.02	1.42	1.71	1.37	0.89	0.86	1.03	0.82	0.75	0.92
Price/Book Value High	1.3	1.1	1.18	1.17	1.18	1.31	1.89	2.26	1.55	1.45	1.1	1.15	0.93	0.88	1.16
Price/Book Value Low	0.9	0.91	0.89	1.03	1.01	0.96	1.12	1.06	1.11	0.67	0.71	0.8	0.72	0.61	0.6
Price/Tangible Book Value	1.06	1.02	1.14	1.19	1.13	1.32	1.87	1.52	1.57	0.88	1.05	0.99	0.8	0.8	1.16
Price/Tangible Book Value Average	1.05	1.03	1.05	1.11	1.09	1.11	1.53	1.83	1.46	0.95	0.91	1.09	0.86	0.78	0.96
Price/Tangible Book Value High	1.33	1.12	1.2	1.19	1.2	1.43	2.03	2.42	1.65	1.53	1.16	1.21	0.98	0.92	1.21
Price/Tangible Book Value Low	0.91	0.93	0.91	1.04	1.02	1.04	1.21	1.14	1.18	0.71	0.75	0.85	0.76	0.64	0.63
Price/Sales	1.8	1.84	2.19	2.37	2.4	2.66	3.7	3.18	3.71	2.29	2.79	2.29	1.87	1.85	2.82
Price/Sales Average	1.8	1.85	2.02	2.2	2.3	2.24	3.01	3.82	3.43	2.46	2.41	2.54	2	1.82	2.35
Price/Sales High	2.26	2.01	2.3	2.37	2.55	2.87	4.02	5.04	3.88	3.99	3.07	2.82	2.28	2.14	2.97
Price/Sales Low	1.56	1.67	1.74	2.08	2.16	2.09	2.38	2.37	2.78	1.86	1.99	1.97	1.77	1.48	1.54
Price/Cash Flow	4.57	7	6.8	8.61	9.72	8.86	13.06	9.22	12.8	9.05	10.75	7.88	5.29	8.76	10.41
Price/Cash Flow Average	4.57	7.02	6.28	8.01	9.32	7.45	10.64	11.1	11.85	9.75	9.28	8.72	5.66	8.61	8.68
Price/Cash Flow High	5.75	7.65	7.13	8.61	10.31	9.55	14.17	14.63	13.41	15.79	11.85	9.69	6.44	10.13	10.94
Price/Cash Flow Low	3.96	6.35	5.42	7.54	8.75	6.97	8.41	6.89	9.6	7.36	7.67	6.76	4.99	7	5.69
Price/Free Cash Flow Average	4.45	6.74	5.78	7.39	7.85	6.62	9.51	9.65	8.33	7.64	8.58	7.76	5.01	7.76	8.21
Price/Free Cash Flow High	5.6	7.35	6.56	7.94	8.68	8.48	12.66	12.72	9.43	12.37	10.95	8.62	5.7	9.13	10.35
Price/Free Cash Flow Low	3.85	6.11	4.99	6.96	7.37	6.19	7.51	5.99	6.75	5.77	7.09	6.02	4.42	6.31	5.39
EV/Sales Average	1.38	1.43	2.01	2.25	1.95	2.48	2.4	3.36	3.23	0.37	- -	2.17	0.74	1.26	2.48
EV/Sales High	1.85	1.6	2.29	2.42	2.19	3.16	3.41	4.58	3.68	1.9	0.6	2.46	1.02	1.58	3.09
EV/Sales Low	1.13	1.25	1.73	2.12	1.81	2.32	1.77	1.91	2.57	- -	- -	1.6	0.51	0.92	1.67
EV/EBITDA Average	51.84	50.99	87.09	109.53	85.06	86.86	81.69	132.99	112.88	11.94	-2.06	76.05	26.67	45.14	97.06
EV/EBITDA High	69.44	56.99	99.03	117.62	95.73	110.48	115.86	181.17	128.69	61.27	18.84	85.94	36.54	56.49	121.03
EV/EBITDA Low	42.7	44.68	75	103.26	78.97	81.38	60.11	75.39	89.99	-7.61	-15.18	56.12	18.15	33.02	65.35
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	18.5	18.8	22.01	24.54	24.55	27.2	40.4	35.39	39.62	23.6	29.65	26.42	23	24.21	39.98
High Price	23.26	20.56	23.1	24.54	26.03	29.34	43.85	56.15	41.5	41.2	32.7	32.49	27.99	28	42
Enterprise Value Average	57	59	82	96	82	111	123	177	164	18	-3	119	44	78	165
Enterprise Value High	76	66	94	103	92	141	174	241	188	94	30	135	60	98	206
Enterprise Value Low	47	51	71	90	76	104	90	100	131	-12	-24	88	30	57	111

Shares Outstanding	4	4	4	4	4	5	5	5	5	5	5	5	5	5	5
Diluted Weighted Avg Shares	4	4	4	4	4	4	5	5	5	5	5	5	5	5	5
Basic Weighted Avg Shares	4	4	4	4	4	4	5	5	5	5	5	5	5	5	5
Revenue per Share	10.27	10.21	10.06	10.36	10.22	10.24	10.92	11.14	10.69	10.32	10.64	11.52	12.28	13.08	14.16
EBITDA per Share	0.27	0.29	0.23	0.21	0.23	0.29	0.32	0.28	0.31	0.32	0.34	0.33	0.34	0.37	0.36
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.46	1.75	2	1.97	2.08	1.59	1.6	2.53	2.08	2.14	2.45	2.8	2.65	2.32	3.31
Basic EPS from Cont Ops	1.46	1.75	2	1.97	2.08	1.59	1.6	2.53	2.08	2.14	2.45	2.8	2.65	2.32	3.31
Diluted EPS, GAAP	1.46	1.75	2	1.97	2.08	1.59	1.6	2.53	2.08	2.14	2.45	2.8	2.65	2.32	3.31
Diluted EPS from Cont Ops	1.46	1.75	2	1.97	2.08	1.59	1.6	2.53	2.08	2.14	2.45	2.8	2.65	2.32	3.31
Dividend per Share	0.84	1.09	0.73	0.84	0.89	0.82	0.84	0.84	0.84	0.84	0.84	0.99	1.02	0.88	0.91
Cash Flow per Share	4.04	2.69	3.24	2.85	2.53	3.07	3.09	3.84	3.09	2.61	2.76	3.35	4.35	2.76	3.84
Free Cash Flow per Basic Share	3.93	2.58	2.95	2.61	2.05	2.68	2.73	3.26	1.79	1.89	2.53	2.94	3.78	2.46	3.62
Cash & Equivalents per Share	34.1	34.62	27.43	28.46	33.73	29.65	37.75	37	33.43	52.87	69.71	48.6	60.84	74.55	53.99
Book Value per Share	17.84	18.66	19.62	20.94	21.97	22.4	23.26	24.87	26.77	28.48	29.74	28.3	30.17	31.91	36.14
Tangible Book Value per Share	17.53	18.35	19.31	20.63	21.66	20.59	21.58	23.23	25.21	26.92	28.19	26.76	28.64	30.36	34.59

Ohio Valley Banc Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)