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Zacks Company Profile for Ohio Valley Banc Corp. (OVBC : NSDQ)

• Company Description    OHIO VALLEY BANCORP is a bank holding company, which through its subsidiaries, Loan Central,Inc., The Jackson Savings Bank, and the Ohio Valley Bank Company, is engaged in commercial and retail banking. The Bank is a full-service financial institution offering a blend of commercial, retail and agricultural banking services. Loans of all types and checking, savings and time deposits are offered, along with such services as safe deposit boxes, issuance of travelers' checks and administration of trusts. Number of Employees: 271

• Price / Volume Information    Yesterday's Closing Price: $42.95 Daily Weekly Monthly 20 Day Moving Average: 10,128 shares Shares Outstanding: 4.71 (millions) Market Capitalization: $202.34 (millions) Beta: -0.02 52 Week High: $44.46 52 Week Low: $25.75 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 6.68% 8.37% 12 Week 17.00% 11.91% Year To Date 7.43% 7.28%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 420 THIRD AVENUE - GALLIPOLIS,OH 45631 USA ph: 740-446-2631 fax: 740-446-7688 investorrelations@ovbc.com http://www.ovbc.com

• General Corporate Information    Officers Larry E. Miller, II - Chief Executive Officer and President Thomas E. Wiseman - Chairman Ryan J. Jones - Chief Operating & Risk Officer Scott W. Shockey - Senior Vice President and Chief Financial Officer Tommy R. Shepherd - Senior Vice President & Secretary Peer Information Ohio Valley Banc Corp. (CNBA) Ohio Valley Banc Corp. (CNBD) Ohio Valley Banc Corp. (ASB) Ohio Valley Banc Corp. (CFIC) Ohio Valley Banc Corp. (OSBC) Ohio Valley Banc Corp. (FMBI) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-MIDWEST Sector: Finance CUSIP: 677719106 SIC: 6022 Fiscal Year Fiscal Year End: December Last Reported Quarter: 12/01/25 Next Expected EPS Date: 04/24/26 Share - Related Items Shares Outstanding: 4.71 Most Recent Split Date: 5.00 (1.25:1) Beta: -0.02 Market Capitalization: $202.34 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 2.14% Current Fiscal Quarter EPS Consensus Estimate: $ Indicated Annual Dividend: $0.92 Current Fiscal Year EPS Consensus Estimate: $ Payout Ratio: 0.28 Number of Estimates in the Fiscal Year Consensus: Change In Payout Ratio: -0.05 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 01/23/2026 - $0.23 Next EPS Report Date: 04/24/26

• Fundamental Ratios P/E Current FY Estimate: - Trailing 12 Months: 12.98 PEG Ratio: - Price Ratios Price/Book: 1.23 Price/Cash Flow: 17.89 Price / Sales: 2.15 EPS Growth vs. Year Ago Period: 58.49% vs. Previous Quarter: 31.25% Sales Growth vs. Year Ago Period: -1.52% vs. Previous Quarter: 1.22% ROE 12/31/25 - 9.73 09/30/25 - 8.97 06/30/25 - 8.95 ROA 12/31/25 - 1.02 09/30/25 - 0.93 06/30/25 - 0.92 Current Ratio 12/31/25 - - 09/30/25 - 0.91 06/30/25 - 0.90 Quick Ratio 12/31/25 - - 09/30/25 - 0.91 06/30/25 - 0.90 Operating Margin 12/31/25 - 16.56 09/30/25 - 14.97 06/30/25 - 14.81 Net Margin 12/31/25 - 16.56 09/30/25 - 14.97 06/30/25 - 14.81 Pre-Tax Margin 12/31/25 - - 09/30/25 - 18.56 06/30/25 - 18.28 Book Value 12/31/25 - - 09/30/25 - 34.90 06/30/25 - 34.12 Inventory Turnover 12/31/25 - - 09/30/25 - - 06/30/25 - - Debt-to-Equity 12/31/25 - - 09/30/25 - 0.27 06/30/25 - 0.28 Debt-to-Capital 12/31/25 - - 09/30/25 - 21.31 06/30/25 - 22.13

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