Ohio Valley Banc Corp (OVBC) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Ohio Valley Banc reported revenue of $66.7M, up 7.6% from $62.0M the year before. Net income was $15.6M (a 23.4% net margin). Net interest income was $57.7M, and the efficiency ratio (noninterest expense / revenue) was 66.3%. Operating activities generated $18.1M of cash, leaving $17.0M of free cash flow. At fiscal year end, Ohio Valley Banc held $1.58B in total assets against $1.41B in total liabilities, including $45.9M of cash and equivalents.
Open the full interactive Ohio Valley Banc financials → Quarterly statements, key ratios, valuation history and price charts.
Ohio Valley Banc Key Stats
| Share Price | $46.10 |
|---|---|
| Market Cap | $217.2M |
| P/E Ratio | 13.9 |
| Revenue YoY Growth | +7.6% |
| 52-Week Range | $33.86 – $49.83 |
| Shares Outstanding | 4.7 million (basic, 2026 Q2) |
Ohio Valley Banc Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $40.0M | $41.0M | $44.8M | $46.0M | $48.8M | $57.7M |
| Provision for Credit Losses | $3.0M | -$419,000 | -$32,000 | $2.1M | $2.5M | $3.1M |
| Noninterest Income | $11.4M | $9.9M | $10.2M | $12.6M | $13.2M | $9.0M |
| Noninterest Expense | $36.1M | $37.3M | $39.0M | $41.4M | $46.1M | $44.2M |
| Revenue | $51.4M | $50.9M | $54.9M | $58.7M | $62.0M | $66.7M |
| Pre-Tax Income | $12.3M | $14.0M | $15.9M | $15.2M | $13.4M | $19.5M |
| Income Tax | $2.0M | $2.3M | $2.6M | $2.6M | $2.4M | $3.9M |
| Net Income | $10.3M | $11.7M | $13.3M | $12.6M | $11.0M | $15.6M |
Ohio Valley Banc Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $16.3M | $16.2M | $18.2M | $18.6M |
| Net Income | $3.0M | $4.0M | $4.3M | $2.9M |
Ohio Valley Banc Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $138.3M | $152.0M | $46.0M | $128.1M | $83.1M | $45.9M |
| Loans (Net) | $841.5M | — | — | — | — | — |
| Total Assets | $1.19B | $1.25B | $1.21B | $1.35B | $1.50B | $1.58B |
| Deposits | $993.7M | $1.06B | $1.03B | $1.13B | $1.28B | $1.33B |
| Total Long-Term Debt | $36.4M | $28.1M | $26.4M | $53.1M | $48.2M | $53.3M |
| Total Liabilities | $1.05B | $1.11B | $1.08B | $1.21B | $1.35B | $1.41B |
| Shareholders' Equity | $136.3M | $141.4M | $135.0M | $144.0M | $150.3M | $170.3M |
Ohio Valley Banc Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $12.5M | $13.1M | $16.0M | $20.7M | $13.1M | $18.1M |
| Cash From Investing | -$88.7M | -$52.4M | -$83.4M | -$59.8M | -$195.2M | -$110.6M |
| Cash From Financing | $162.1M | $52.9M | -$38.6M | $121.2M | $137.1M | $55.3M |
| Free Cash Flow | $9.0M | $12.1M | $14.0M | $18.1M | $11.7M | $17.0M |
Figures from Ohio Valley Banc's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Ohio Valley Banc financials page for every line item.
Ohio Valley Banc Company Profile
| Ticker | OVBC |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Gallipolis, Ohio |
| Incorporated in | Ohio |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company |
| SEC CIK | 0000894671 |
Frequently Asked Questions
What was Ohio Valley Banc's revenue in fiscal 2025?
Ohio Valley Banc (OVBC) reported revenue of $66.7M for fiscal 2025.
What is Ohio Valley Banc's annual revenue history?
Ohio Valley Banc's annual revenue by fiscal year: 2020: $51.4M; 2021: $50.9M; 2022: $54.9M; 2023: $58.7M; 2024: $62.0M; 2025: $66.7M.
What was Ohio Valley Banc's net income in fiscal 2025?
Ohio Valley Banc reported net income of $15.6M for fiscal 2025.
How much free cash flow did Ohio Valley Banc generate in fiscal 2025?
Ohio Valley Banc generated $17.0M of free cash flow in fiscal 2025.
What was Ohio Valley Banc's revenue last quarter?
In its most recent reported quarter (2026 Q2), Ohio Valley Banc reported revenue of $18.6M.
How much debt does Ohio Valley Banc have?
Ohio Valley Banc reported $53.3M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Ohio Valley Banc are outstanding?
Ohio Valley Banc reported a weighted average of 4.7 million basic shares outstanding in 2026 Q2.
What is Ohio Valley Banc's market cap?
Based on its latest closing price, Ohio Valley Banc (OVBC) has a market capitalization of about $217.2M.
When does Ohio Valley Banc's fiscal year end?
Ohio Valley Banc's fiscal year end, as registered with the SEC, is December 31.
Where is Ohio Valley Banc headquartered?
Ohio Valley Banc lists its business address in Gallipolis, Ohio in its SEC filings.