NASDAQ : OVBC
Ohio Valley Banc Corp. — Financial statements
Financials · Banks - Regional · United States
Last price 48.22 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 227.16M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 79.86M | 73.33M | 64.94M | 54.82M | 42.27M | 42.10M |
| Interest Income on Investments | 12.76M | 11.91M | 10.82M | 7.04M | 5.34M | 2.61M |
| Total Interest Income | 92.62M | 85.24M | 75.76M | 61.87M | 47.62M | 44.71M |
| Interest Paid on Deposits | 28.88M | 25.41M | 24.64M | 14.17M | 2.13M | 2.98M |
| Interest Paid on Borrowings | 2.12M | 2.08M | 2.32M | 1.66M | 708.00K | 722.00K |
| Total Interest Expense | 30.99M | 27.49M | 26.96M | 15.84M | 2.84M | 3.70M |
| Net Interest Income | 61.63M | 57.74M | 48.80M | 46.03M | 44.78M | 41.01M |
| Trust Income | 358.00K | 376.00K | 404.00K | 326.00K | 325.00K | 285.00K |
| Mortgage Banking Activities | 173.00K | 182.00K | 163.00K | 175.00K | 697.00K | 854.00K |
| Gain (Loss) on Sale of Investments | -2.13M | -3.75M | -1.54M | -1.07M | ||
| Other Non-Interest Income | 8.76M | 9.13M | 9.56M | 9.43M | 8.23M | 7.93M |
| Total Non-Interest Income | 10.29M | 8.97M | 13.17M | 12.63M | 10.16M | 9.86M |
| Revenues Before Loan Losses | 71.92M | 66.72M | 61.98M | 58.66M | 54.94M | 50.88M |
| Provision for Loan Losses | 8.58M | 3.05M | 2.47M | 2.09M | -32.00K | -419.00K |
| Revenue | 63.34M | 63.66M | 59.51M | 56.57M | 54.97M | 51.30M |
| Salaries and Employee Benefits | 25.89M | 24.91M | 23.94M | 23.27M | 21.04M | 21.07M |
| Federal Deposit Insurance | 920.00K | 698.00K | 648.00K | 569.00K | 335.00K | 326.00K |
| Amortization of Goodwill & Intangibles | 21.00K | 35.00K | 48.00K | |||
| Selling, General & Administrative | 12.02M | 12.27M | 11.79M | 11.47M | 11.65M | 10.18M |
| Other Non-Interest Expense | 6.66M | 6.33M | 6.42M | 6.02M | 5.92M | 5.60M |
| Total Non-Interest Expense | 45.49M | 44.21M | 42.79M | 41.37M | 39.04M | 37.28M |
| EBT Excluding Unusual Items | 17.84M | 19.45M | 16.71M | 15.20M | 15.93M | 14.02M |
| Pretax Income | 17.84M | 19.45M | 13.38M | 15.20M | 15.93M | 14.02M |
| Income Tax Expense | 3.37M | 3.85M | 2.38M | 2.57M | 2.59M | 2.28M |
| Net Income | 14.47M | 15.60M | 11.00M | 12.63M | 13.34M | 11.73M |
| Net Income to Common | 14.47M | 15.60M | 11.00M | 12.63M | 13.34M | 11.73M |
| Basic Shares Outstanding | 4.71M | 4.71M | 4.74M | 4.77M | 4.77M | 4.78M |
| Diluted Shares Outstanding | 4.71M | 4.71M | 4.74M | 4.77M | 4.77M | 4.78M |
| EPS (Basic) | 3.07 | 3.31 | 2.32 | 2.65 | 2.80 | 2.45 |
| EPS (Diluted) | 3.07 | 3.31 | 2.32 | 2.65 | 2.80 | 2.45 |
| Dividend Per Share | 0.96 | 0.91 | 0.88 | 0.87 | 0.84 | 0.84 |
| Effective Tax Rate | 18.89% | 19.80% | 17.77% | 16.89% | 16.28% | 16.30% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 70.03M | 15.64M | 16.51M | 14.99M | 15.08M | 15.65M |
| Investment Securities | 251.51M | 97.36M | 180.97M | 64.16M | 73.86M | 58.68M |
| Trading Asset Securities | 754.00K | 657.00K | 1.15M | 1.34M | 599.00K | |
| Mortgage-Backed Securities | 162.00M | 94.20M | 106.08M | 121.30M | 130.94M | |
| Total Investments | 251.51M | 260.11M | 275.83M | 171.39M | 196.50M | 190.22M |
| Gross Loans | 1.25B | 1.20B | 1.06B | 971.90M | 885.05M | 831.19M |
| Allowance for Loan Losses | -13.10M | -11.52M | -10.09M | -8.77M | -5.27M | -6.48M |
| Other Adjustments to Gross Loans | -1.19M | |||||
| Net Loans | 1.23B | 1.18B | 1.05B | 963.13M | 879.78M | 824.71M |
| Property, Plant & Equipment | 22.70M | 21.43M | 22.25M | 22.66M | 21.73M | 21.93M |
| Goodwill | 7.32M | 7.32M | 7.32M | 7.32M | 7.32M | 7.32M |
| Other Intangible Assets | 8.00K | 29.00K | 64.00K | |||
| Accrued Interest Receivable | 5.66M | 5.48M | 4.80M | 3.61M | 3.11M | 2.69M |
| Restricted Cash | 30.26M | 66.60M | 113.14M | 30.91M | 136.38M | |
| Other Current Assets | 400.00K | 507.00K | 573.00K | 593.00K | 438.00K | |
| Long-Term Deferred Tax Assets | 8.76M | 5.62M | 7.22M | 6.31M | 6.27M | 2.43M |
| Other Real Estate Owned & Foreclosed | 129.00K | 15.00K | ||||
| Other Long-Term Assets | 54.60M | 48.78M | 50.64M | 48.89M | 49.47M | 47.92M |
| Total Assets | 1.66B | 1.58B | 1.50B | 1.35B | 1.21B | 1.25B |
| Interest Bearing Deposits | 1.10B | 919.98M | 870.88M | 727.11M | 636.37M | 664.05M |
| Institutional Deposits | 95.55M | 81.92M | 77.80M | 36.87M | 42.28M | |
| Non-Interest Bearing Deposits | 311.96M | 314.13M | 322.38M | 322.22M | 354.41M | 353.58M |
| Total Deposits | 1.41B | 1.33B | 1.28B | 1.13B | 1.03B | 1.06B |
| Short-Term Borrowings | 754.00K | 657.00K | 1.15M | 1.34M | 599.00K | |
| Current Portion of Long-Term Debt | 13.04M | |||||
| Current Portion of Leases | 158.00K | 1.21M | ||||
| Long-Term Debt | 31.52M | 2.50M | 2.39M | 2.38M | 2.14M | |
| Federal Home Loan Bank Debt, Long-Term | 31.80M | 37.24M | 42.20M | 15.57M | 17.48M | |
| Long-Term Leases | 1.34M | 765.00K | 1.02M | 1.29M | 1.20M | |
| Trust Preferred Securities | 8.50M | 8.50M | 8.50M | 8.50M | 8.50M | 8.50M |
| Pension & Post-Retirement Benefits | 3.73M | 3.57M | ||||
| Other Long-Term Liabilities | 30.67M | 23.97M | 24.41M | 25.55M | 19.02M | 18.60M |
| Total Liabilities | 1.49B | 1.41B | 1.35B | 1.21B | 1.08B | 1.11B |
| Common Stock | 5.49M | 5.49M | 5.49M | 5.47M | 5.46M | 5.45M |
| Additional Paid-In Capital | 52.32M | 52.32M | 52.32M | 51.84M | 51.72M | 51.16M |
| Retained Earnings | 140.09M | 133.01M | 121.69M | 114.87M | 109.32M | 100.70M |
| Treasury Stock | -18.69M | -18.69M | -18.69M | -16.75M | -16.67M | -16.67M |
| Comprehensive Income & Other | -9.40M | -1.87M | -10.48M | -11.43M | -14.81M | 708.00K |
| Shareholders' Equity | 169.80M | 170.26M | 150.33M | 144.01M | 135.03M | 141.36M |
| Total Liabilities & Equity | 1.66B | 1.58B | 1.50B | 1.35B | 1.21B | 1.25B |
| Total Debt | 41.37M | 55.02M | 49.92M | 55.45M | 29.08M | 29.91M |
| Net Cash (Debt) | 28.67M | -38.63M | -32.76M | -39.31M | -10.79M | -11.32M |
| Net Cash Per Share | 6.08 | -8.20 | -6.92 | -8.23 | -2.26 | -2.37 |
| Filing Date Shares Outstanding | 4.71M | 4.71M | 4.71M | 4.79M | 4.78M | 4.77M |
| Total Common Shares Outstanding | 4.71M | 4.71M | 4.71M | 4.77M | 4.77M | 4.75M |
| Book Value Per Share | 36.04 | 36.14 | 31.91 | 30.17 | 28.30 | 29.74 |
| Tangible Book Value | 162.48M | 162.94M | 143.01M | 136.68M | 127.68M | 133.97M |
| Tangible Book Value Per Share | 34.49 | 34.59 | 30.36 | 28.64 | 26.76 | 28.19 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 15.60M | 11.00M | 12.63M | 13.34M | 11.73M | |
| Depreciation & Amortization | 1.70M | 1.74M | 1.64M | 1.57M | 1.61M | |
| Gain (Loss) on Sale of Investments | 2.40M | -1.43M | -448.00K | 1.66M | 1.88M | |
| Total Asset Writedown | -11.00K | |||||
| Provision for Credit Losses | 3.05M | 2.47M | 2.09M | -32.00K | -419.00K | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 21.00K | 2.00K | 1.00K | 697.00K | 854.00K | |
| Accrued Interest Receivable | -671.00K | -1.20M | -494.00K | -417.00K | 624.00K | |
| Change in Other Net Operating Assets | -319.00K | 2.35M | 7.04M | -68.00K | -1.14M | |
| Other Operating Activities | -1.83M | -2.12M | -1.61M | -564.00K | -997.00K | |
| Operating Cash Flow | 18.09M | 13.10M | 20.75M | 15.99M | 13.19M | |
| Capital Expenditures | -1.04M | -1.43M | -2.69M | -1.99M | -1.08M | |
| Sale of Property, Plant and Equipment | 200.00K | 29.00K | 219.00K | 420.00K | 486.00K | |
| Investment in Securities | 24.46M | -102.29M | 29.45M | -26.84M | -68.85M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -133.71M | -91.00M | -87.48M | -55.03M | 17.18M | |
| Other Investing Activities | -522.00K | -496.00K | 710.00K | 49.00K | -137.00K | |
| Investing Cash Flow | -110.61M | -195.18M | -59.79M | -83.39M | -52.40M | |
| Short-Term Debt Issued | 100.00K | 107.00K | 18.00K | 238.00K | ||
| Long-Term Debt Issued | 10.00M | 2.00K | 30.00M | 2.00K | 600.00K | |
| Total Debt Issued | 10.10M | 109.00K | 30.02M | 240.00K | 600.00K | |
| Short-Term Debt Repaid | -1.06M | |||||
| Long-Term Debt Repaid | -4.99M | -4.96M | -3.37M | -1.91M | -7.79M | |
| Total Debt Repaid | -4.99M | -4.96M | -3.37M | -1.91M | -8.85M | |
| Net Debt Issued (Repaid) | 5.11M | -4.85M | 26.65M | -1.67M | -8.25M | |
| Repurchase of Common Stock | -1.95M | -82.00K | -954.00K | |||
| Common Dividends Paid | -4.29M | -4.18M | -4.87M | -4.72M | -4.02M | |
| Net Increase (Decrease) in Deposit Accounts | 54.49M | 148.04M | 99.48M | -32.25M | 66.17M | |
| Financing Cash Flow | 55.31M | 137.07M | 121.18M | -38.64M | 52.95M | |
| Net Cash Flow | -37.21M | -45.02M | 82.14M | -106.04M | 13.73M | |
| Free Cash Flow | 17.05M | 11.66M | 18.06M | 14.00M | 12.10M | |
| Free Cash Flow Margin | 26.78% | 19.60% | 31.92% | 25.47% | 23.59% | |
| Free Cash Flow Per Share | 3.62 | 2.46 | 3.78 | 2.94 | 2.53 | |
| Cash Interest Paid | 26.14M | 28.32M | 9.67M | 2.85M | 4.36M | |
| Cash Income Tax Paid | 4.67M | 3.58M | 2.75M | 1.98M | 2.80M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 234.37M | 188.35M | 114.05M | 109.78M | 126.07M | 141.46M |
| Last Close Price | 48.22 | 39.11 | 23.01 | 21.06 | 23.21 | 25.19 |
| PE Ratio | 16.19 | 12.07 | 10.37 | 8.69 | 9.45 | 12.06 |
| PS Ratio | 3.45 | 2.96 | 1.92 | 1.94 | 2.29 | 2.76 |
| PB Ratio | 1.34 | 1.11 | 0.76 | 0.76 | 0.93 | 1.00 |
| P/FCF Ratio | 11.07 | 11.05 | 9.78 | 6.08 | 9.00 | 11.69 |
| P/OCF Ratio | 9.51 | 10.41 | 8.71 | 5.29 | 7.88 | 10.73 |
| Debt / Equity Ratio | 0.24 | 0.32 | 0.33 | 0.39 | 0.21 | 0.21 |
| Debt / FCF Ratio | 3.23 | 4.28 | 3.07 | 2.08 | 2.47 | |
| Net Debt / Equity Ratio | -0.17 | 0.23 | 0.22 | 0.27 | 0.08 | 0.08 |
| Net Debt / FCF Ratio | 2.27 | 2.81 | 2.18 | 0.77 | 0.94 | |
| Return on Equity (ROE) | 8.66% | 9.73% | 7.47% | 9.05% | 9.65% | 8.45% |
| Return on Assets (ROA) | 0.90% | 1.01% | 0.77% | 0.99% | 1.08% | 0.96% |
| Earnings Yield | 6.18% | 8.28% | 9.64% | 11.51% | 10.58% | 8.29% |
| FCF Yield | 9.03% | 9.05% | 10.23% | 16.45% | 11.11% | 8.55% |
| Dividend Yield | 2.01% | 2.28% | 3.64% | 3.78% | 3.18% | 2.82% |
| Payout Ratio | 32.55% | 27.48% | 37.98% | 38.56% | 35.39% | 34.25% |
| Buyback Yield / Dilution | -0.00% | 0.55% | 0.79% | -0.11% | 0.24% | 0.14% |
| Total Shareholder Return | 2.07% | 2.82% | 4.43% | 3.67% | 3.42% | 2.97% |