OHIO VALLEY BANC CORP OVBC

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

Ohio Valley Banc Corp. ("Ohio Valley") is an Ohio corporation registered as a financial holding company pursuant to the Bank Holding

Company Act of 1956, as amended ("BHC Act"). Ohio Valley was incorporated under the laws of the State of Ohio on January 8, 1992 and began conducting business on October 23, 1992. The principal executive offices of Ohio Valley are located at 420

Third Avenue, Gallipolis, Ohio 45631. Ohio Valley's common shares are listed on The NASDAQ Global Market under the symbol "OVBC." Ohio Valley has one banking subsidiary, The Ohio Valley Bank Company (the "Bank"). The Bank has one wholly-owned

subsidiary, Ohio Valley REO, LLC, an Ohio limited liability company ("Ohio Valley REO"), to which the Bank transfers certain real estate acquired by the Bank through foreclosure for sale by Ohio Valley REO. Ohio Valley also owns two nonbank

Last close 47.32 2026-10-23
Market cap $222.9M 2026-06-30 share count
52-week range 34.18 - 54.96

Valuation FY2025 figures against the last close

P/S2.6x
P/E—
P/FCF13.1x
EV/EBITDA—
Dividend yield1.9%
Diluted EPS—

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $85.2M$75.8M$61.9M$47.6M$44.7M$46.2M$50.3M$49.2M$45.7M$39.3M
Interest expense $57.7M$48.8M$46.0M$2.8M$3.7M$6.2M$7.3M$5.5M$4.0M$3.0M
Pre-tax income $19.5M$13.4M$15.2M$15.9M$14.0M$12.3M$11.7M$14.2M$12.0M$8.8M
Income tax $3.9M$2.4M$2.6M$2.6M$2.3M$2.0M$1.8M$2.3M$4.5M$1.9M
Net income $15.6M$11.0M$12.6M$13.3M$11.7M$10.3M$9.9M$11.9M$7.5M$6.9M
EPS, basic 3.312.322.652.802.452.142.082.531.601.59
Shares, diluted (wtd. avg.) 4.7M4.7M4.8M4.8M4.8M4.8M4.8M4.7M4.7M4.4M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $45.9M$83.1M$128.1M$46.0M$152.0M$138.3M$52.4M$71.2M$74.6M$40.2M
Property, plant and equipment $20.5M$21.2M$21.4M$20.4M$20.7M$21.3M$19.2M$14.9M$13.3M$12.8M
Goodwill $7.3M$7.3M$7.3M$7.3M$7.3M$7.3M$7.3M$7.4M$7.4M$7.8M
Other intangibles —$0$8.0K$29.0K$64.0K$112.0K$174.0K$379.0K$514.0K$670.0K
Total assets $1.58B$1.50B$1.35B$1.21B$1.25B$1.19B$1.01B$1.03B$1.03B$950.0M
Total liabilities $1.41B$1.35B$1.21B$1.08B$1.11B$1.05B$885.1M$912.6M$916.9M$850.1M
Retained earnings $133.0M$121.7M$114.9M$109.3M$100.7M$93.0M$86.8M$80.8M$72.7M$69.1M
Total equity $170.3M$150.3M$144.0M$132.8M$141.4M$136.3M$128.2M$117.9M$109.4M$104.5M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $18.1M$13.1M$20.7M$16.0M$13.2M$12.5M$14.8M$18.1M$14.5M$13.4M
Depreciation and amortisation $1.7M$1.7M$1.6M$1.5M$1.5M$1.3M$1.2M$1.1M$1.3M$1.1M
Stock-based compensation —————$0$328.0K$295.0K$428.0K$575.0K
Capital expenditure $1.0M$1.4M$2.7M$2.0M$1.1M$3.5M$6.2M$2.7M$1.7M$1.7M
Investing cash flow -$110.6M-$195.2M-$59.8M-$83.4M-$52.4M-$88.7M-$26.4M-$12.7M-$42.2M-$38.4M
Financing cash flow $55.3M$137.1M$121.2M-$38.6M$52.9M$162.1M-$7.2M-$8.8M$62.1M$19.7M
Dividends paid $4.3M$4.2M$4.9M$4.7M$4.0M$4.0M$4.0M$4.0M$3.9M$3.6M
Buybacks $0$1.9M$82.0K$0$954.0K—————

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001140361-26-009342.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 25M 50M 75M 100M Revenue, FY2016: 39.3M Net income, FY2016: 6.9M Revenue, FY2017: 45.7M Net income, FY2017: 7.5M Revenue, FY2018: 49.2M Net income, FY2018: 11.9M Revenue, FY2019: 50.3M Net income, FY2019: 9.9M Revenue, FY2020: 46.2M Net income, FY2020: 10.3M Revenue, FY2021: 44.7M Net income, FY2021: 11.7M Revenue, FY2022: 47.6M Net income, FY2022: 13.3M Revenue, FY2023: 61.9M Net income, FY2023: 12.6M Revenue, FY2024: 75.8M Net income, FY2024: 11M Revenue, FY2025: 85.2M Net income, FY2025: 15.6M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $39.3M $45.7M $49.2M $50.3M $46.2M $44.7M $47.6M $61.9M $75.8M $85.2M
Gross profit — — — — — — — — — —
Net income $6.9M $7.5M $11.9M $9.9M $10.3M $11.7M $13.3M $12.6M $11.0M $15.6M

Recent filings and events

  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Charter or fiscal year changed A change to the company's governing documents, or to when its year ends. Item 5.03
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Other event Item 8.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Officer or director change Item 5.02
  • Results announced Item 2.02
  • Other event Item 8.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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