1.Sales and profit
See section β- 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
OVBC Nasdaq State Commercial Banks Financials FY2016βFY2025
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.
Download report
3-page PDF: the company, its results and charts with peers.
Last close Β· Oct 23, 2026
$47.32
0.7%KIRAβs summary AI analyst
Hi! I read Ohio Valley Banc Corpβs latest annual report (fiscal 2025). Here is what stands out:
2 strengths
2.Cash and shareholders
See section β- Ohio Valley Banc Corp returned $4.3M to shareholders in fiscal 2025, 25% of free cash flow.
- No open-market insider trades in the last 12 months.
3.Financial health
See section β- It earned 9.7% on shareholdersβ money. Running costs took 66.3% of revenue (the efficiency ratio; lower is better).
Ohio Valley Banc Corp in 30 seconds
Good So-so Weak
Good
Are sales growing?
+7.6%
Yes. Sales grew 7.6% last year.
Good
Does it make a profit?
23.4%
Yes. It keeps 23.4% of every sale as profit.
Weak
How lean are its costs?
66.3%
Costly. Running costs take 66.3% of revenue.
So-so
How much does it earn on its capital?
9.7%
Fair. It earns 9.7% a year on shareholdersβ money.
Rules of thumb on reported numbers. A starting point, not a recommendation.
Key numbers, fiscal 2025
Market cap
Last close times the latest diluted share count, so it is approximate.
β
Oct 23 close
P/E
Last close divided by diluted earnings per share over the last four quarters.
β
Charts by
Sales and profit
Is it selling more, and how much does it keep?
Results dates
In plain words: Every quarter, companies publish how much they sold and earned. These are the days Ohio Valley Banc Corp did it, and the next one. Share prices often move a lot on those days.
Next results
October 26, 2026
Monday Β· today
- Time
- Time not announced
- Covers
- Period ended Sep 30, 2026
- Source
- Earnings calendar
| Date | Results for | Time | Source |
|---|---|---|---|
| Jul 27, 2026 | Q2 '26 | During market hours | 8-K β |
| Apr 28, 2026 | Q1 '26 | During market hours | 8-K β |
| Jan 27, 2026 | Q4 '25 | During market hours | 8-K β |
| Oct 27, 2025 | Q3 '25 | During market hours | 8-K β |
| Jul 25, 2025 | Q2 '25 | During market hours | 8-K β |
| Apr 25, 2025 | Q1 '25 | During market hours | 8-K β |
| Jan 28, 2025 | Q4 '24 | During market hours | 8-K β |
| Oct 28, 2024 | Q3 '24 | During market hours | 8-K β |
From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.
Revenue and margins
KIRA Β· 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.
In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).
Revenue
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
Revenue
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
Net interest income share and efficiency ratio
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
Net interest income share and 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
KIRA Β· Ohio Valley Banc Corp made $15.6M of net profit in fiscal 2025.
Loss periods are shown in red.
In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.
Net income
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
Net income
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
Diluted EPS
FY16
Diluted EPS β
FY17
Diluted EPS β
FY18
Diluted EPS β
FY19
Diluted EPS β
FY20
Diluted EPS β
FY21
Diluted EPS β
FY22
Diluted EPS β
FY23
Diluted EPS β
FY24
Diluted EPS β
FY25
Diluted EPS β
Cash and shareholders
How much cash comes in, and where does it go?
Dividends, buybacks and share count
KIRA Β· Ohio Valley Banc Corp returned $4.3M to shareholders in fiscal 2025, 25% of free cash flow.
In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).
Dividends and buybacks
FY16
Dividends $3.6M
Buybacks β
FY17
Dividends $3.9M
Buybacks β
FY18
Dividends $4.0M
Buybacks β
FY19
Dividends $4.0M
Buybacks β
FY20
Dividends $4.0M
Buybacks β
FY21
Dividends $4.0M
Buybacks β
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
Dividends and buybacks
Q3 '23
Dividends $1.1M
Buybacks $0.1M
Q4 '23
Dividends $1.1M
Buybacks $0.0M
Q1 '24
Dividends $1.1M
Buybacks β
Q2 '24
Dividends $1.1M
Buybacks β
Q3 '24
Dividends $1.0M
Buybacks $0.0M
Q4 '24
Dividends $1.0M
Buybacks $0.0M
Q1 '25
Dividends $1.0M
Buybacks β
Q2 '25
Dividends $1.1M
Buybacks β
Q3 '25
Dividends $1.1M
Buybacks $0.0M
Q4 '25
Dividends $1.1M
Buybacks $0.0M
Q1 '26
Dividends $1.1M
Buybacks β
Q2 '26
Dividends $1.2M
Buybacks β
Dividends
Buybacks
Diluted shares outstanding (annual)
FY16
Diluted shares 0.00B
FY17
Diluted shares 0.00B
FY18
Diluted shares 0.00B
FY19
Diluted shares 0.00B
FY20
Diluted shares β
FY21
Diluted shares β
FY22
Diluted shares β
FY23
Diluted shares β
FY24
Diluted shares β
FY25
Diluted shares β
Insider trades
KIRA Β· No open-market insider trades in the last 12 months.
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. βPlanβ marks trades under a pre-arranged Rule 10b5-1 plan.
In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
β
$0.0M
No open-market insider trades in the last 12 months.
Financial health
Can it carry its debts, and how well does it use its money?
Balance sheet
Loans, deposits and capital at each fiscal year end.
In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.
Loans and deposits
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 β
Deposits $1.1B
FY22
Loans β
Deposits $1.0B
FY23
Loans β
Deposits $1.1B
FY24
Loans β
Deposits $1.3B
FY25
Loans β
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 | β |
Returns and efficiency
KIRA Β· It earned 9.7% on shareholdersβ money. Running costs took 66.3% of revenue (the efficiency ratio; lower is better).
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
In plain words: Return on equity is the profit made on shareholdersβ money each year. The efficiency ratio is how much of each dollar of revenue goes on running costs, so lower is better.
Return on equity, return on tangible equity and efficiency ratio
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
All figures
Every number, year by year.
10 years of figures
Amounts in USD. Hover a ratioβs name for its definition.
In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.
| 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 | β$0.4M | β$0.0M | β | β | β |
| Interest expense | $3.0M | $4.0M | $5.5M | $7.3M | $6.2M | $3.7M | $2.8M | $15.8M | β | β |
| 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 | β | β | β | β | β | β |
| 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 | β | β | β | β | β |
| Share buybacks | β | β | β | β | β | β | $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 | β | β | β | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M |
| Loans, net | $727M | $762M | $770M | $767M | $842M | β | β | β | β | β |
| 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 | β |
| 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 | β | 14.8% | 2.9% | β0.8% | β1.5% | β1.1% | 8.0% | 6.8% | 5.7% | 7.6% |
| Net income growth | β | 8.5% | 59.1% | β17.1% | 3.6% | 14.4% | 13.7% | β5.3% | β12.9% | 41.8% |
| FCF growth | β | 9.3% | 20.7% | β44.7% | 6.1% | 33.9% | 15.7% | 29.0% | β35.4% | 46.2% |
| Share count change | β | β | β | 0.9% | β | β | β | β | β | β |
| Financial health | ||||||||||
| Loans / deposits | 92.0% | 88.9% | 91.0% | 93.3% | 84.7% | β | β | β | β | β |
| Provision / loans | 0.4% | 0.3% | 0.1% | 0.1% | 0.4% | β | β | β | β | β |
| 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% | β | β | β | β | β |
| 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 | β0.7% | β0.7% | β0.6% | β0.5% | β0.2% | β0.1% | β0.2% | β0.6% | β0.1% | β0.2% |
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 β not investment advice. Check the original filings before relying on any figure.