Ohio Valley Banc Corp
OVBC Nasdaq State Commercial Banks Financials FY2016–FY2025
Last close · Oct 23, 2026
$47.32
0.7%
Revenue
Total sales reported in the income statement.
$66.7M
7.6%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
66.3%
8.2 pts
Net income
Profit after all expenses, interest and tax.
$15.6M
41.8%
Return on equity
Net income as a share of average shareholders' equity.
9.7%
2.3 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
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Oct 23 close
P/E
Last close divided by diluted earnings per share over the last four quarters.
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What Ohio Valley Banc Corp does
No business description yet.
- Legal name
- OHIO VALLEY BANC CORP
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Accession · CIK
- 0001140361-26-009342
0000894671
Revenue and margins
Ohio Valley Banc Corp had $66.7M of revenue in fiscal 2025, up 7.6% on the year before.
FY16
Revenue $44.6M
FY17
Revenue $51.2M
FY18
Revenue $52.7M
FY19
Revenue $52.2M
FY20
Revenue $51.4M
FY21
Revenue $50.9M
FY22
Revenue $54.9M
FY23
Revenue $58.7M
FY24
Revenue $62.0M
FY25
Revenue $66.7M
Q3 '23
Revenue $13.9M
Q4 '23
Revenue $14.9M
Q1 '24
Revenue $14.9M
Q2 '24
Revenue $14.7M
Q3 '24
Revenue $15.4M
Q4 '24
Revenue $17.0M
Q1 '25
Revenue $16.8M
Q2 '25
Revenue $17.4M
Q3 '25
Revenue $16.3M
Q4 '25
Revenue $16.2M
Q1 '26
Revenue $18.2M
Q2 '26
Revenue $18.6M
FY16
Net interest share 81.5%
Efficiency ratio 73.8%
FY17
Net interest share 81.6%
Efficiency ratio 71.5%
FY18
Net interest share 83.0%
Efficiency ratio 71.1%
FY19
Net interest share 82.4%
Efficiency ratio 75.6%
FY20
Net interest share 77.8%
Efficiency ratio 70.3%
FY21
Net interest share 80.6%
Efficiency ratio 73.3%
FY22
Net interest share 81.5%
Efficiency ratio 71.1%
FY23
Net interest share 78.5%
Efficiency ratio 70.5%
FY24
Net interest share 78.7%
Efficiency ratio 74.4%
FY25
Net interest share 86.6%
Efficiency ratio 66.3%
Net interest share
Efficiency ratio
Q3 '23
Net interest share 81.6%
Efficiency ratio 74.4%
Q4 '23
Net interest share 76.0%
Efficiency ratio 69.2%
Q1 '24
Net interest share 75.2%
Efficiency ratio 72.2%
Q2 '24
Net interest share 81.6%
Efficiency ratio 74.1%
Q3 '24
Net interest share 81.5%
Efficiency ratio 72.7%
Q4 '24
Net interest share 76.9%
Efficiency ratio 78.3%
Q1 '25
Net interest share 78.3%
Efficiency ratio 64.4%
Q2 '25
Net interest share 83.6%
Efficiency ratio 63.6%
Q3 '25
Net interest share 89.3%
Efficiency ratio 70.3%
Q4 '25
Net interest share 95.5%
Efficiency ratio 67.0%
Q1 '26
Net interest share 81.9%
Efficiency ratio 62.2%
Q2 '26
Net interest share 82.9%
Efficiency ratio 60.5%
Net interest share
Efficiency ratio
Net income and earnings per share
Loss periods are shown in red.
FY16
Net income $6.9M
FY17
Net income $7.5M
FY18
Net income $11.9M
FY19
Net income $9.9M
FY20
Net income $10.3M
FY21
Net income $11.7M
FY22
Net income $13.3M
FY23
Net income $12.6M
FY24
Net income $11.0M
FY25
Net income $15.6M
Q3 '23
Net income $2.3M
Q4 '23
Net income $3.2M
Q1 '24
Net income $2.8M
Q2 '24
Net income $3.0M
Q3 '24
Net income $2.7M
Q4 '24
Net income $2.5M
Q1 '25
Net income $4.4M
Q2 '25
Net income $4.2M
Q3 '25
Net income $3.0M
Q4 '25
Net income $4.0M
Q1 '26
Net income $4.3M
Q2 '26
Net income $2.9M
FY16
Diluted EPS —
FY17
Diluted EPS —
FY18
Diluted EPS —
FY19
Diluted EPS —
FY20
Diluted EPS —
FY21
Diluted EPS —
FY22
Diluted EPS —
FY23
Diluted EPS —
FY24
Diluted EPS —
FY25
Diluted EPS —
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY16
ROE 6.6%
ROTE 7.2%
Efficiency ratio 73.8%
FY17
ROE 7.0%
ROTE 7.4%
Efficiency ratio 71.5%
FY18
ROE 10.5%
ROTE 10.8%
Efficiency ratio 71.1%
FY19
ROE 8.1%
ROTE 8.2%
Efficiency ratio 75.6%
FY20
ROE 7.8%
ROTE 8.0%
Efficiency ratio 70.3%
FY21
ROE 8.5%
ROTE 8.8%
Efficiency ratio 73.3%
FY22
ROE 9.7%
ROTE 10.6%
Efficiency ratio 71.1%
FY23
ROE 9.1%
ROTE 9.2%
Efficiency ratio 70.5%
FY24
ROE 7.5%
ROTE 7.7%
Efficiency ratio 74.4%
FY25
ROE 9.7%
ROTE 9.6%
Efficiency ratio 66.3%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
Ohio Valley Banc Corp returned $4.3M to shareholders in fiscal 2025, 25% of free cash flow. The diluted share count rose 0.0%.
FY16
Dividends $3.6M
Buybacks —
FY17
Dividends $3.9M
Buybacks —
FY18
Dividends $4.0M
Buybacks —
FY19
Dividends $4.0M
Buybacks —
FY20
Dividends $4.0M
Buybacks —
FY21
Dividends $4.0M
Buybacks —
FY22
Dividends $4.7M
Buybacks $0.0M
FY23
Dividends $4.9M
Buybacks $0.1M
FY24
Dividends $4.2M
Buybacks $1.9M
FY25
Dividends $4.3M
Buybacks $0.0M
Dividends
Buybacks
Q3 '23
Dividends $1.1M
Buybacks $0.1M
Q4 '23
Dividends $1.1M
Buybacks $0.0M
Q1 '24
Dividends $1.1M
Buybacks —
Q2 '24
Dividends $1.1M
Buybacks —
Q3 '24
Dividends $1.0M
Buybacks $0.0M
Q4 '24
Dividends $1.0M
Buybacks $0.0M
Q1 '25
Dividends $1.0M
Buybacks —
Q2 '25
Dividends $1.1M
Buybacks —
Q3 '25
Dividends $1.1M
Buybacks $0.0M
Q4 '25
Dividends $1.1M
Buybacks $0.0M
Q1 '26
Dividends $1.1M
Buybacks —
Q2 '26
Dividends $1.2M
Buybacks —
Dividends
Buybacks
FY16
Diluted shares 0.00B
FY17
Diluted shares 0.00B
FY18
Diluted shares 0.00B
FY19
Diluted shares 0.00B
FY20
Diluted shares —
FY21
Diluted shares —
FY22
Diluted shares —
FY23
Diluted shares —
FY24
Diluted shares —
FY25
Diluted shares —
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY16
Loans $727M
Deposits $790M
FY17
Loans $762M
Deposits $857M
FY18
Loans $770M
Deposits $847M
FY19
Loans $767M
Deposits $821M
FY20
Loans $842M
Deposits $994M
FY21
Loans —
Deposits $1.1B
FY22
Loans —
Deposits $1.0B
FY23
Loans —
Deposits $1.1B
FY24
Loans —
Deposits $1.3B
FY25
Loans —
Deposits $1.3B
Loans
Deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Deposits | $1.1B | $1.0B | $1.1B | $1.3B | $1.3B |
| Total assets | $1.2B | $1.2B | $1.4B | $1.5B | $1.6B |
| Shareholders' equity | $141M | $133M | $144M | $150M | $170M |
| Goodwill | $7.3M | $7.3M | $7.3M | $7.3M | $7.3M |
| Intangible assets | $0.1M | $0.0M | $0.0M | $0.0M | — |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
10 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||||
| Revenue | $44.6M | $51.2M | $52.7M | $52.2M | $51.4M | $50.9M | $54.9M | $58.7M | $62.0M | $66.7M |
| Net interest income | $36.3M | $41.7M | $43.7M | $43.1M | $40.0M | $41.0M | $44.8M | $46.0M | $48.8M | $57.7M |
| Noninterest income | $8.2M | $9.4M | $8.9M | $9.2M | $11.4M | $9.9M | $10.2M | $12.6M | $13.2M | $9.0M |
| Noninterest expense | $32.9M | $36.6M | $37.4M | $39.5M | $36.1M | $37.3M | $39.0M | $41.4M | $46.1M | $44.2M |
| Provision for credit losses | $2.8M | $2.6M | $1.0M | $1.0M | $3.0M | −$0.4M | −$0.0M | — | — | — |
| Interest expense | $3.0M | $4.0M | $5.5M | $7.3M | $6.2M | $3.7M | $2.8M | $15.8M | — | — |
| Pretax income | $8.8M | $12.0M | $14.2M | $11.7M | $12.3M | $14.0M | $15.9M | $15.2M | $13.4M | $19.5M |
| Income tax | $1.9M | $4.5M | $2.3M | $1.8M | $2.0M | $2.3M | $2.6M | $2.6M | $2.4M | $3.9M |
| Net income | $6.9M | $7.5M | $11.9M | $9.9M | $10.3M | $11.7M | $13.3M | $12.6M | $11.0M | $15.6M |
| Diluted shares | 0.00B | 0.00B | 0.00B | 0.00B | — | — | — | — | — | — |
| Cash flow | ||||||||||
| Cash from operations | $13.4M | $14.5M | $18.1M | $14.8M | $12.5M | $13.2M | $16.0M | $20.7M | $13.1M | $18.1M |
| Capital expenditure | $1.7M | $1.7M | $2.7M | $6.2M | $3.5M | $1.1M | $2.0M | $2.7M | $1.4M | $1.0M |
| Free cash flow | $11.7M | $12.8M | $15.4M | $8.5M | $9.0M | $12.1M | $14.0M | $18.1M | $11.7M | $17.0M |
| Depreciation and amortization | $1.1M | $1.3M | $1.1M | $1.2M | $1.3M | $1.5M | $1.5M | $1.6M | $1.7M | $1.7M |
| Stock-based compensation | $0.6M | $0.4M | $0.3M | $0.3M | $0.0M | — | — | — | — | — |
| Share buybacks | — | — | — | — | — | — | $0.0M | $0.1M | $1.9M | $0.0M |
| Dividends paid | $3.6M | $3.9M | $4.0M | $4.0M | $4.0M | $4.0M | $4.7M | $4.9M | $4.2M | $4.3M |
| Dividends and buybacks | $3.6M | $3.9M | $4.0M | $4.0M | $4.0M | $4.0M | $4.7M | $5.0M | $6.1M | $4.3M |
| Balance sheet | ||||||||||
| Cash and short-term investments | $40.2M | $74.6M | $71.2M | $52.4M | $138M | $152M | $46.0M | $128M | $83.1M | $45.9M |
| Finance lease liabilities | — | — | — | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M |
| Loans, net | $727M | $762M | $770M | $767M | $842M | — | — | — | — | — |
| Deposits | $790M | $857M | $847M | $821M | $994M | $1.1B | $1.0B | $1.1B | $1.3B | $1.3B |
| Property and equipment, net | $12.8M | $13.3M | $14.9M | $19.2M | $21.3M | $20.7M | $20.4M | $21.5M | $21.2M | $20.5M |
| Goodwill | $7.8M | $7.4M | $7.4M | $7.3M | $7.3M | $7.3M | $7.3M | $7.3M | $7.3M | $7.3M |
| Intangible assets | $0.7M | $0.5M | $0.4M | $0.2M | $0.1M | $0.1M | $0.0M | $0.0M | $0.0M | — |
| Total assets | $955M | $1.0B | $1.0B | $1.0B | $1.2B | $1.2B | $1.2B | $1.4B | $1.5B | $1.6B |
| Total liabilities | $850M | $917M | $913M | $885M | $1.1B | $1.1B | $1.1B | $1.2B | $1.4B | $1.4B |
| Shareholders' equity | $105M | $109M | $118M | $128M | $136M | $141M | $133M | $144M | $150M | $170M |
| Margins | ||||||||||
| Net margin | 15.5% | 14.7% | 22.7% | 19.0% | 20.0% | 23.1% | 24.3% | 21.5% | 17.7% | 23.4% |
| FCF margin | 26.2% | 25.0% | 29.3% | 16.3% | 17.6% | 23.8% | 25.5% | 30.8% | 18.8% | 25.6% |
| Net interest share of revenue | 81.5% | 81.6% | 83.0% | 82.4% | 77.8% | 80.6% | 81.5% | 78.5% | 78.7% | 86.6% |
| Efficiency ratio | 73.8% | 71.5% | 71.1% | 75.6% | 70.3% | 73.3% | 71.1% | 70.5% | 74.4% | 66.3% |
| Returns | ||||||||||
| Return on equity | 6.6% | 7.0% | 10.5% | 8.1% | 7.8% | 8.5% | 9.7% | 9.1% | 7.5% | 9.7% |
| Return on assets | 0.7% | 0.8% | 1.2% | 1.0% | 0.9% | 1.0% | 1.1% | 1.0% | 0.8% | 1.0% |
| Return on tangible equity | 7.2% | 7.4% | 10.8% | 8.2% | 8.0% | 8.8% | 10.6% | 9.2% | 7.7% | 9.6% |
| Growth | ||||||||||
| Revenue growth | — | 14.8% | 2.9% | −0.8% | −1.5% | −1.1% | 8.0% | 6.8% | 5.7% | 7.6% |
| Net income growth | — | 8.5% | 59.1% | −17.1% | 3.6% | 14.4% | 13.7% | −5.3% | −12.9% | 41.8% |
| FCF growth | — | 9.3% | 20.7% | −44.7% | 6.1% | 33.9% | 15.7% | 29.0% | −35.4% | 46.2% |
| Share count change | — | — | — | 0.9% | — | — | — | — | — | — |
| Financial health | ||||||||||
| Loans / deposits | 92.0% | 88.9% | 91.0% | 93.3% | 84.7% | — | — | — | — | — |
| Provision / loans | 0.4% | 0.3% | 0.1% | 0.1% | 0.4% | — | — | — | — | — |
| Capital allocation | ||||||||||
| Capex / revenue | 3.8% | 3.4% | 5.2% | 11.9% | 6.7% | 2.1% | 3.6% | 4.6% | 2.3% | 1.6% |
| Stock comp / revenue | 1.3% | 0.8% | 0.6% | 0.6% | 0.0% | — | — | — | — | — |
| Payouts / FCF | 30.7% | 30.8% | 25.7% | 46.9% | 44.5% | 33.2% | 33.7% | 27.4% | 52.5% | 25.1% |
| Quality scores | ||||||||||
| Accruals ratio | −0.7% | −0.7% | −0.6% | −0.5% | −0.2% | −0.1% | −0.2% | −0.6% | −0.1% | −0.2% |
Source: SEC EDGAR XBRL filings (CIK 0000894671). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.