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

Per the Roarable RQD rating, OVBC scores 70 out of 100 with a letter grade of B- and a verdict label of "Roarable Buy — Sound Institutional Accumulation." The five pillars are: Fundamental Cash Engine at 14/20 (ROIC 9.2%; FCF yield 6.33%), Whale 13F Flow at 13/20 (institutional accumulation and options positioning), Insider Conviction at 15/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 15/20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet at 13/20 (Altman Z 2.5; Piotroski F 5/9; Debt/Equity 0.5).

For a prospective investor, the strongest-scoring pillars are Insider Conviction and Macro Regime Fit, each at 15 of 20. The Cash Engine pillar is moderate, supported by the 6.33% FCF yield and 9.2% ROIC, which indicate reasonable cash generation relative to the market value. The Whale Flow and Forensic Balance Sheet pillars sit at 13 of 20, indicating mixed but not disqualifying institutional and balance sheet signals. The aggregate score is a composite of these pillars; it is not a guarantee of future performance. Upside drivers suggested by the data include cash generation and insider activity; valuation tradeoffs are reflected in a trailing P/E of 17.3 against a forward P/E of 16.1; the stock's position within its 52-week range ($34.8 - $54.96) at a price of 49.06 places it in the upper portion of that range.

Per the SEC financials, reported net income was $15.6M in FY 2025, $11.0M in FY 2024, and $12.6M in FY 2023. Revenue, operating income, and EPS are reported as $0.0M or N/A, so margin trends cannot be computed from the source. Per the market data, gross, operating, and net margins are each listed as 0%, which is not meaningful and should not be relied upon. ROIC is 9.2% and the Roarable RQD rating references an Altman Z of 2.5, a Piotroski F of 5/9, and a Debt/Equity of 0.5. Cash is reported as $45.9M for FY 2025 and $83.1M for FY 2024; debt is not available in source data.

• Earnings-related headlines (GREEN/YELLOW lights): Multiple headlines reference Q3 earnings. One reports that shares gained after Q3 earnings with net income up year over year. Another reports that quarterly profit rose 8.7% while nine-month earnings fell 9.7%. A MarketBeat item notes the company posted quarterly earnings results.
• Price action (YELLOW): One headline reports the stock slipped 1.89% to $44.74 as shares drifted toward key support. This is a point-in-time item that predates the current price of 49.06 in the market data.
• Risk watch: The nine-month earnings decline of 9.7% (per headline) contrasts with the quarterly gain, and the headline-level data is not reconciled against the FY 2025 net income figure.
• Proprietary signals: None. The Butterfly Supply-Chain Graph reports no proprietary signals.

• What are the reported revenue and operating income figures? The financials show $0.0M, which prevents margin analysis.
• What is the EPS for FY 2023 through FY 2025, and how does it reconcile with the EPS (TTM) of 2.84?
• What is the company's debt balance, given that debt is reported as N/A across all periods?
• What is the EV/EBITDA and what does the balance sheet look like once debt is available?
• What do the underlying SEC Form 4, 13F, and Congressional filings show, given that the RQD pillars rely on them but holder records are absent?