Ohio Valley Banc Corp
OVBC Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$47.02
KIRA · Stoqly’s AI analyst, in plain words
- Ohio Valley Banc Corp had $66.7M of revenue in fiscal 2025, up 7.6% on the year before. Over five years, revenue changed +5.3% a year on average.
- Ohio Valley Banc Corp made $15.6M of net profit in fiscal 2025.
- Ohio Valley Banc Corp returned $4.3M to shareholders in fiscal 2025, 25% of free cash flow.
- It earned 9.7% on shareholders’ money. Running costs took 66.3% of revenue (the efficiency ratio; lower is better).
Market cap
—
P/E
—
Revenue
$66.7M
Net income
$15.6M
Return on equity
9.7%
Efficiency ratio
66.3%
Ohio Valley Banc Corp in 30 seconds · fiscal 2025
Are sales growing?
+7.6%
Yes. Sales grew 7.6% last year.
Does it make a profit?
23.4%
Yes. It keeps 23.4% of every sale as profit.
How lean are its costs?
66.3%
Costly. Running costs take 66.3% of revenue.
How much does it earn on its capital?
9.7%
Fair. It earns 9.7% a year on shareholders’ money.
What Ohio Valley Banc Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Legal name
- OHIO VALLEY BANC CORP
- CIK
- 0000894671
Ohio Valley Banc Corp · OVBC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $50.9M | $54.9M | $58.7M | $62.0M | $66.7M |
| Revenue growth | −1.1% | 8.0% | 6.8% | 5.7% | 7.6% |
| Net interest income | $41.0M | $44.8M | $46.0M | $48.8M | $57.7M |
| Net income | $11.7M | $13.3M | $12.6M | $11.0M | $15.6M |
| Net margin | 23.1% | 24.3% | 21.5% | 17.7% | 23.4% |
| Cash | |||||
| Cash from operations | $13.2M | $16.0M | $20.7M | $13.1M | $18.1M |
| Capital expenditure | $1.1M | $2.0M | $2.7M | $1.4M | $1.0M |
| Free cash flow | $12.1M | $14.0M | $18.1M | $11.7M | $17.0M |
| FCF margin | 23.8% | 25.5% | 30.8% | 18.8% | 25.6% |
| Dividends paid | $4.0M | $4.7M | $4.9M | $4.2M | $4.3M |
| Share buybacks | — | $0.0M | $0.1M | $1.9M | $0.0M |
| Debt and strength | |||||
| Cash and short-term investments | $152M | $46.0M | $128M | $83.1M | $45.9M |
| Deposits | $1.1B | $1.0B | $1.1B | $1.3B | $1.3B |
| Shareholders' equity | $141M | $133M | $144M | $150M | $170M |
| Returns and quality | |||||
| Return on equity | 8.5% | 9.7% | 9.1% | 7.5% | 9.7% |
| Return on tangible equity | 8.8% | 10.6% | 9.2% | 7.7% | 9.6% |
| Efficiency ratio | 73.3% | 71.1% | 70.5% | 74.4% | 66.3% |
Insiders bought, 12 months
$0.0M
2 insiders
Insiders sold, 12 months
$0.3M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Ohio Valley Banc Corp · OVBC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $47.02 a share, the company is worth —.
Source: SEC EDGAR XBRL filings (CIK 0000894671). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.