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OVBC

Ohio Valley Banc Corp.

OVBC

Ohio Valley Banc Corp. • NASDAQ
$38.78 ▼ -0.44% (-0.17)
Market Cap $182.69 M
52w High $40.99
52w Low $21.86
Dividend Yield 0.91%
P/E 12.93
Volume 3.40K
Outstanding Shares 4.71M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $0 ▼ $0 ▼ $0 ▼ 0% ▼ $0.64 ▼ $0 ▼
Q2-2025 $23.887M ▲ $11.049M ▲ $4.21M ▼ 17.625% ▼ $0.89 ▼ $5.186M ▼
Q1-2025 $23.446M ▼ $10.818M ▼ $4.406M ▲ 18.792% ▲ $0.94 ▲ $5.552M ▲
Q4-2024 $23.942M ▲ $13.306M ▲ $2.515M ▼ 10.505% ▼ $0.53 ▼ $4.795M ▲
Q3-2024 $22.259M $11.22M $2.719M 12.215% $0.58 $3.296M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $0 ▼ $1.57B ▲ $1.406B ▲ $164.417M ▲
Q2-2025 $265.058M ▼ $1.51B ▼ $1.35B ▼ $160.76M ▲
Q1-2025 $323.087M ▲ $1.513B ▲ $1.357B ▲ $155.715M ▲
Q4-2024 $281.719M ▼ $1.503B ▲ $1.353B ▲ $150.328M ▼
Q3-2024 $353.391M $1.494B $1.342B $152.153M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $0 $5.313M ▲ $-24.113M ▲ $53.489M ▲ $34.689M ▲ $5.78M ▲
Q2-2025 $0 $4.478M ▲ $-60.705M ▼ $-9.754M ▼ $-65.981M ▼ $4.369M ▲
Q1-2025 $0 ▼ $496K ▼ $30.351M ▲ $6.654M ▼ $37.501M ▲ $138K ▼
Q4-2024 $2.515M ▲ $2.39M ▼ $-13.047M ▲ $11.56M ▼ $903K ▲ $2.157M ▼
Q3-2024 $0 $5.599M $-111.861M $80.787M $-25.475M $5.416M

Revenue by Products

Product Q2-2019Q3-2019Q4-2019Q1-2020
Deposit Account
Deposit Account
 $0 ▲$0 ▲$0 ▲$0 ▲
Fiduciary and Trust
Fiduciary and Trust
 $0 ▲$0 ▲$0 ▲$0 ▲
Mortgage Banking
Mortgage Banking
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement OVBC’s income statement shows a steady, relationship-driven bank with modest growth rather than big swings. Revenue has generally trended upward over the last few years, but profit margins have come under some pressure more recently, likely from higher funding costs, operating expenses, or loan loss provisions. Earnings per share rose through 2022 and then eased back in 2023–2024, suggesting that while the core business is intact, the bank is feeling the impact of a tougher interest-rate and cost environment. Overall, profitability looks stable but not expanding meaningfully, more in line with a conservative community bank profile than a high-growth story.

Balance Sheet

Balance Sheet The balance sheet looks like that of a cautious regional bank: assets have been growing gradually, equity has edged up, and debt levels remain relatively low compared with the size of the balance sheet. Cash balances have moved around from year to year, but not in a way that suggests stress—more likely reflecting normal loan growth and liquidity management. The mix indicates a generally sound capital position with moderate leverage, which supports resilience but also points to a conservative stance rather than aggressive balance sheet expansion.

Cash Flow

Cash Flow Cash generation from the banking business has been positive and fairly steady over time, with free cash flow closely tracking operating cash flow. Investment in physical assets has been minimal, which is typical for a bank and reflects that most capital is tied up in loans and securities rather than heavy equipment. The pattern suggests that OVBC reliably converts its operations into cash, but without a surge in cash inflows that would signal a major step up in profitability or scale. Overall, cash flow supports ongoing operations and dividends, with no sign of extreme strain or excess slack.

Competitive Edge

Competitive Edge OVBC competes as a classic community bank: smaller than regional and national peers, but more deeply embedded in its local markets. Its edge comes from local decision-making, close relationships with customers, and visible community involvement, which can foster loyalty and stable deposit funding. However, its limited geographic footprint and smaller scale make it more exposed to local economic conditions and give it fewer cost advantages than larger banks. The bank’s strategy is clearly to trade national reach and breadth of services for intimacy, trust, and responsiveness at the local level.

Innovation and R&D

Innovation and R&D OVBC is not a heavy spender on traditional R&D, but it has been selective and practical in adopting financial technology. The upgraded digital banking platform, built-in money management tools, and the partnership with Greenlight for youth financial education all show a focus on everyday usability rather than flashy experimentation. The bank leans on partnerships to bring modern features to customers instead of building everything in-house, which fits its size and resources. This approach keeps OVBC reasonably current on digital capabilities while staying aligned with its community-first identity.

Summary

Overall, Ohio Valley Banc Corp. looks like a steady, community-focused bank with modest growth, stable but pressured profitability, and a conservative financial structure. The balance sheet and cash flows point to prudence and resilience more than aggressive expansion. Competitively, its strength lies in deep local relationships and service, while scale and geographic concentration remain key structural constraints. On the innovation side, OVBC is evolving through targeted digital upgrades and fintech partnerships, not radical transformation. Future performance will likely hinge on how well it manages interest-rate cycles, credit quality, and incremental digital improvements while preserving its community banking advantage.

NEWS

October 27, 2025 · 4:42 PM UTC

Ohio Valley Banc Corp. Reports 3rd Quarter Earnings

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October 21, 2025 · 5:52 PM UTC

OVBC ANNOUNCES CASH DIVIDEND

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