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Ohio Valley Banc (OVBC) Financials

Ohio Valley Banc logo
$42.89 +0.23 (+0.54%)
Closing price 04:00 PM Eastern
Extended Trading
$42.84 -0.05 (-0.12%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Ohio Valley Banc

Annual Income Statements for Ohio Valley Banc

This table shows Ohio Valley Banc's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 8.57 6.92 7.51 12 9.91 10 12 13 13 11 16
Consolidated Net Income / (Loss)		 8.57 6.92 7.51 12 9.91 10 12 13 13 11 16
Net Income / (Loss) Continuing Operations		 8.57 6.92 7.51 12 9.91 10 12 13 13 11 16
Total Pre-Tax Income 		11 8.84 12 14 12 12 14 16 15 13 19
Total Revenue		 42 45 51 53 52 51 51 55 59 62 67
Net Interest Income / (Expense)		 33 36 42 44 43 40 41 45 46 49 58
Total Interest Income		 36 39 46 49 50 46 45 48 62 76 85
Loans and Leases Interest Income		 33 36 42 44 46 43 42 42 55 65 73
Investment Securities Interest Income		 2.67 2.71 2.92 3.19 3.28 2.70 2.42 3.84 4.16 6.38 9.45
Deposits and Money Market Investments Interest Income		 - 0.35 0.58 1.61 1.22 0.23 0.16 1.49 2.87 4.45 2.46
Total Interest Expense		 2.84 3.02 3.98 5.47 7.27 6.19 3.70 2.84 16 27 27
Deposits Interest Expense		 2.19 2.15 2.84 4.16 6.03 5.25 2.98 2.13 14 25 25
Long-Term Debt Interest Expense		 0.17 0.20 0.25 1.32 1.24 0.94 0.72 0.71 1.66 2.32 2.08
Total Non-Interest Income		 8.60 8.24 9.44 8.94 9.17 11 9.86 10 13 13 8.97
Trust Fees by Commissions		 0.22 - - 0.26 0.26 0.26 0.29 0.33 0.33 0.40 0.38
Service Charges on Deposit Accounts		 - - - 2.08 2.12 1.69 1.86 2.44 2.70 3.04 3.03
Other Service Charges		 7.43 5.55 5.76 6.43 4.89 6.71 7.88 8.05 8.74 8.80 8.32
Net Realized & Unrealized Capital Gains on Investments		 0.26 - -0.19 -0.56 1.19 1.97 -1.07 -1.54 - 0.00 -3.75
Other Non-Interest Income		 0.68 2.69 3.87 0.72 0.70 0.82 0.90 0.88 0.86 0.93 0.99
Provision for Credit Losses		 1.09 2.83 2.56 1.04 1.00 2.98 -0.42 -0.03 2.09 2.47 3.05
Total Non-Interest Expense		 30 33 37 37 39 36 37 39 41 46 44
Salaries and Employee Benefits		 17 19 21 22 24 22 22 22 23 28 25
Net Occupancy & Equipment Expense		 3.66 4.22 3.13 4.89 4.83 5.08 5.34 5.84 6.03 6.33 6.90
Marketing Expense		 0.86 0.92 1.03 0.78 0.84 0.61 0.83 1.43 1.01 0.82 1.21
Property & Liability Insurance Claims		 0.58 0.46 0.47 0.45 0.11 0.17 0.33 0.34 0.57 0.65 0.70
Other Operating Expenses		 7.02 7.43 11 8.98 9.99 8.57 9.09 9.79 10 11 11
Income Tax Expense		 2.81 1.92 4.49 2.26 1.81 2.05 2.28 2.59 2.57 2.38 3.85
Basic Earnings per Share		 $2.08 $1.59 $1.60 $2.53 $2.08 $2.14 $2.45 $2.80 $2.65 $2.32 $3.31
Weighted Average Basic Shares Outstanding		 4.10M 4.35M 4.69M 4.76M 4.79M 4.79M 4.77M 4.78M 4.79M 4.71M 4.71M
Weighted Average Diluted Shares Outstanding		 4.10M 4.35M 4.69M 4.76M 4.79M 4.79M 4.77M 4.78M 4.79M 4.71M 4.71M
Weighted Average Basic & Diluted Shares Outstanding		 4.10M 4.35M 4.69M 4.76M 4.79M 4.79M 4.77M 4.78M 4.79M 4.71M 4.71M
Cash Dividends to Common per Share		 $0.89 - $0.84 $0.84 $0.84 $0.84 $0.84 $0.99 $1.02 $0.88 $0.91

Quarterly Income Statements for Ohio Valley Banc

This table shows Ohio Valley Banc's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 2.25 3.22 2.79 2.97 2.72 2.52 4.41 4.21 3.03 3.96 4.30
Consolidated Net Income / (Loss)		 2.25 3.22 2.79 2.97 2.72 2.52 4.41 4.21 3.03 3.96 4.30
Net Income / (Loss) Continuing Operations		 2.25 3.22 2.79 2.97 2.72 2.52 4.41 4.21 3.03 3.96 4.30
Total Pre-Tax Income 		2.68 3.91 3.39 3.62 3.30 3.07 5.55 5.19 3.74 4.97 5.25
Total Revenue		 14 15 15 15 15 17 17 17 16 16 18
Net Interest Income / (Expense)		 11 11 11 12 13 13 13 15 15 15 15
Total Interest Income		 16 17 18 19 19 20 20 21 22 23 22
Loans and Leases Interest Income		 14 15 15 16 17 17 17 18 19 20 19
Investment Securities Interest Income		 1.03 1.00 1.02 1.08 1.92 2.36 2.28 2.42 2.33 2.43 2.49
Deposits and Money Market Investments Interest Income		 0.60 1.17 1.42 1.45 0.79 0.79 0.83 0.64 0.56 0.43 0.58
Other Interest Income		 0.00 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Total Interest Expense		 4.56 5.81 6.49 6.69 6.82 6.95 6.66 6.50 6.95 7.38 7.59
Deposits Interest Expense		 4.06 5.19 5.90 6.10 6.25 6.39 6.13 5.99 6.44 6.85 7.03
Long-Term Debt Interest Expense		 0.50 0.61 0.60 0.59 0.58 0.56 0.53 0.52 0.51 0.53 0.56
Total Non-Interest Income		 2.57 3.58 3.70 2.70 2.85 3.92 3.65 2.85 1.75 0.73 3.29
Trust Fees by Commissions		 0.08 0.08 0.10 0.10 0.10 0.10 0.10 0.10 0.08 0.09 0.09
Service Charges on Deposit Accounts		 0.71 0.72 0.73 0.73 0.81 0.77 0.72 0.72 0.82 0.77 0.75
Other Service Charges		 1.56 2.56 2.64 1.64 1.71 2.81 2.58 1.78 1.82 2.13 2.07
Net Realized & Unrealized Capital Gains on Investments		 - - - - 0.00 - 0.00 - -1.22 - 0.00
Other Non-Interest Income		 0.22 0.22 0.23 0.23 0.24 0.24 0.24 0.24 0.24 0.27 0.38
Provision for Credit Losses		 0.89 0.69 0.75 0.18 0.92 0.62 0.42 1.15 1.11 0.38 1.62
Total Non-Interest Expense		 10 10 11 11 11 13 11 11 11 11 11
Salaries and Employee Benefits		 5.91 5.76 6.17 6.19 6.60 8.83 6.01 6.19 6.37 6.34 6.35
Net Occupancy & Equipment Expense		 1.58 1.43 1.61 1.65 1.63 1.44 1.80 1.80 1.80 1.50 1.75
Marketing Expense		 0.24 0.29 0.23 0.22 0.23 0.15 0.28 0.28 0.28 0.37 0.28
Property & Liability Insurance Claims		 0.14 0.15 0.15 0.16 0.16 0.18 0.18 0.16 0.18 0.17 0.24
Other Operating Expenses		 2.50 2.68 2.59 2.64 2.60 2.71 2.55 2.61 2.86 2.48 2.68
Amortization Expense		 0.01 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Income Tax Expense		 0.43 0.68 0.60 0.65 0.58 0.55 1.15 0.98 0.71 1.02 0.96
Basic Earnings per Share		 $0.47 $0.68 $0.58 $0.63 $0.58 $0.53 $0.94 $0.89 $0.64 $0.84 $0.91
Weighted Average Basic Shares Outstanding		 4.77M 4.79M 4.79M 4.71M 4.71M 4.71M 4.71M 4.71M 4.71M 4.71M 4.71M
Weighted Average Diluted Shares Outstanding		 4.77M 4.79M 4.79M 4.71M 4.71M 4.71M 4.71M 4.71M 4.71M 4.71M 4.71M
Weighted Average Basic & Diluted Shares Outstanding		 4.77M 4.79M 4.79M 4.71M 4.71M 4.71M 4.71M 4.71M 4.71M 4.71M 4.71M
Cash Dividends to Common per Share		 $0.22 - $0.22 $0.22 $0.22 - $0.22 $0.23 $0.23 - $0.23

Annual Cash Flow Statements for Ohio Valley Banc

This table details how cash moves in and out of Ohio Valley Banc's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 15 -5.36 34 -3.39 -19 86 14 -106 82 -45 -37
Net Cash From Operating Activities		 10 13 14 18 15 12 13 16 21 13 18
Net Cash From Continuing Operating Activities		 10 13 14 18 15 12 13 16 21 13 18
Net Income / (Loss) Continuing Operations		 8.57 6.92 7.51 12 9.91 10 12 13 13 11 16
Consolidated Net Income / (Loss)		 8.57 6.92 7.51 12 9.91 10 12 13 13 11 16
Provision For Loan Losses		 1.09 2.83 2.56 1.04 1.00 2.98 -0.42 -0.03 2.09 2.47 3.05
Depreciation Expense		 0.87 1.13 1.28 1.14 1.18 1.34 1.46 1.46 1.56 1.68 1.66
Amortization Expense		 0.53 0.55 0.61 0.45 0.45 0.61 1.00 0.26 -0.40 -1.38 -2.95
Non-Cash Adjustments to Reconcile Net Income		 6.06 5.49 0.70 -0.24 -1.76 -0.90 -0.07 1.44 -1.69 -1.83 1.71
Changes in Operating Assets and Liabilities, net		 -6.72 -3.55 1.84 3.81 3.98 -1.80 -0.52 -0.49 6.55 1.15 -0.99
Net Cash From Investing Activities		 -4.94 -38 -42 -13 -26 -89 -52 -83 -60 -195 -111
Net Cash From Continuing Investing Activities		 -4.94 -38 -42 -13 -26 -89 -52 -83 -60 -195 -111
Purchase of Property, Leasehold Improvements and Equipment		 -1.95 -1.68 -1.73 -2.73 -6.23 -3.45 -1.09 -1.99 -2.69 -1.43 -1.04
Purchase of Investment Securities		 -38 -61 -66 -34 -47 -126 -146 -123 -90 -230 -278
Sale of Property, Leasehold Improvements and Equipment		 - - 0.00 0.00 0.40 0.01 0.49 0.42 0.22 0.03 0.20
Sale and/or Maturity of Investments		 35 23 26 24 27 40 94 41 32 36 168
Net Cash From Financing Activities		 9.09 20 62 -8.81 -7.17 162 53 -39 121 137 55
Net Cash From Continuing Financing Activities		 9.09 20 62 -8.81 -7.17 162 53 -39 121 137 55
Net Change in Deposits		 14 10 66 -9.93 1.15 172 66 -32 99 148 54
Issuance of Debt		 0.51 15 4.79 8.00 0.00 -1.03 -0.46 0.00 30 0.00 10
Repayment of Debt		 -1.67 -1.88 -5.92 -4.24 -5.72 -5.09 -7.79 -1.67 -3.37 -4.86 -4.99
Repurchase of Common Equity		 - - - - - 0.00 -0.95 0.00 -0.08 -1.95 0.00
Payment of Dividends		 -3.67 -3.59 -3.93 -3.97 -4.00 -4.02 -4.02 -4.72 -4.87 -4.18 -4.29
Cash Interest Paid		 2.78 2.93 3.72 5.01 6.93 6.68 4.36 2.85 9.67 28 26
Cash Income Taxes Paid		 2.45 1.73 2.24 2.05 0.89 2.05 2.80 1.98 2.75 3.59 4.67

Quarterly Cash Flow Statements for Ohio Valley Banc

This table details how cash moves in and out of Ohio Valley Banc's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 34 37 0.93 -21 -25 0.90 38 -66 35 -43 79
Net Cash From Operating Activities		 5.97 6.60 0.93 4.18 5.60 2.39 0.50 4.48 5.31 7.80 7.19
Net Cash From Continuing Operating Activities		 - 21 0.00 - - 13 0.00 - - 18 0.00
Net Income / (Loss) Continuing Operations		 - 13 0.00 - - 11 0.00 - - 16 0.00
Net Cash From Investing Activities		 -8.26 0.95 -19 -51 -112 -13 30 -61 -24 -56 -19
Net Cash From Continuing Investing Activities		 -8.26 0.95 -19 -51 -112 -13 30 -61 -24 -56 -19
Purchase of Property, Leasehold Improvements and Equipment		 -0.56 -0.71 -0.69 -0.32 -0.18 -0.23 -0.36 -0.11 -0.34 -0.23 -0.39
Purchase of Investment Securities		 -13 -11 -28 -60 -119 -23 -9.34 -97 -61 -111 -64
Sale of Property, Leasehold Improvements and Equipment		 - 0.22 0.00 - - 0.03 0.00 - - 0.20 0.00
Sale and/or Maturity of Investments		 5.06 12 9.23 9.58 7.08 10 40 37 37 55 45
Other Investing Activities, net		 -0.10 - 0.00 - - - 0.00 - - - 0.00
Net Cash From Financing Activities		 37 29 19 25 81 12 6.65 -9.75 53 4.92 92
Net Cash From Continuing Financing Activities		 37 29 19 25 81 12 6.65 -9.75 53 4.92 92
Net Change in Deposits		 19 32 22 30 83 14 8.99 -7.41 56 -2.82 94
Issuance of Debt		 20 0.02 0.05 -0.05 - 0.11 0.00 -0.08 - 10 0.00
Repayment of Debt		 -1.15 -1.18 -1.39 -1.15 -1.17 -1.26 -1.30 -1.18 -1.15 -1.28 -1.32
Repurchase of Common Equity		 -0.08 - 0.00 -1.93 - -0.01 0.00 - - - 0.00
Payment of Dividends		 -1.05 -1.05 -1.05 -1.06 -1.04 -1.04 -1.04 -1.08 -1.08 -1.08 -1.08
Cash Interest Paid		 2.90 3.91 7.06 5.15 6.00 10 6.56 6.15 7.16 6.27 5.40
Cash Income Taxes Paid		 0.40 0.45 0.00 1.85 0.75 0.75 0.00 1.42 2.00 1.25 0.00

Annual Balance Sheets for Ohio Valley Banc

This table presents Ohio Valley Banc's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 796 955 1,026 1,030 1,013 1,187 1,250 1,211 1,352 1,503 1,583
Cash and Due from Banks		 9.48 13 13 14 13 15 14 14 14 16 15
Interest Bearing Deposits at Other Banks		 36 28 62 57 40 123 138 32 114 67 31
Time Deposits Placed and Other Short-Term Investments		 1.72 1.67 1.82 2.07 2.36 2.50 2.33 1.86 - - 0.00
Trading Account Securities		 112 115 119 118 117 122 187 193 170 275 259
Loans and Leases, Net of Allowance		 579 727 762 770 767 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 1.82 2.32 2.50 2.64 2.56 3.32 2.70 3.11 3.61 4.81 5.48
Premises and Equipment, Net		 10 13 13 15 20 22 21 21 22 22 21
Goodwill		 1.27 7.80 7.37 7.37 7.32 7.32 7.32 7.32 7.32 7.32 7.32
Other Assets		 45 47 46 44 45 891 877 938 1,021 1,111 1,244
Total Liabilities & Shareholders' Equity		 796 955 1,026 1,030 1,013 1,187 1,250 1,211 1,352 1,503 1,583
Total Liabilities		 706 850 917 913 885 1,051 1,108 1,076 1,208 1,353 1,412
Non-Interest Bearing Deposits		 176 210 254 238 223 315 354 354 322 322 314
Interest Bearing Deposits		 484 581 603 609 599 679 706 673 805 953 1,016
Short-Term Debt		 24 37 36 40 34 28 20 18 45 40 45
Other Short-Term Payables		 13 14 16 18 20 - - 20 26 28 28
Long-Term Debt		 8.50 8.50 8.50 8.50 8.50 8.50 8.50 8.50 8.50 8.50 8.50
Other Long-Term Liabilities		 - - - 0.00 1.05 21 20 1.29 1.90 1.61 1.79
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 90 105 109 118 128 136 141 135 144 150 170
Total Preferred & Common Equity		 90 105 109 118 128 136 141 135 144 150 170
Total Common Equity		 90 105 109 118 128 136 141 135 144 150 170
Common Stock		 40 52 53 55 57 57 57 57 57 58 58
Retained Earnings		 66 69 73 81 87 93 101 109 115 122 133
Treasury Stock		 -16 -16 -16 -16 -16 -16 -17 -17 -17 -19 -19
Accumulated Other Comprehensive Income / (Loss)		 0.31 -0.99 -0.88 -2.14 0.53 2.44 0.71 -15 -11 -10 -1.87

Quarterly Balance Sheets for Ohio Valley Banc

This table presents Ohio Valley Banc's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,314 1,373 1,403 1,494 1,513 1,510 1,570 1,678
Cash and Due from Banks		 16 15 15 19 19 17 17 16
Interest Bearing Deposits at Other Banks		 75 114 93 63 102 38 72 109
Time Deposits Placed and Other Short-Term Investments		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Trading Account Securities		 176 170 171 279 266 272 267 257
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 3.74 4.34 4.30 4.84 4.79 4.94 5.51 5.54
Premises and Equipment, Net		 22 22 22 22 22 21 21 21
Goodwill		 7.32 7.32 7.32 7.32 7.32 7.32 7.32 7.32
Other Assets		 1,014 1,039 1,091 1,099 1,093 1,150 1,179 1,262
Total Liabilities & Shareholders' Equity		 1,314 1,373 1,403 1,494 1,513 1,510 1,570 1,678
Total Liabilities		 1,177 1,227 1,258 1,342 1,357 1,350 1,406 1,506
Non-Interest Bearing Deposits		 327 307 343 316 321 331 323 333
Interest Bearing Deposits		 769 842 835 945 963 945 1,010 1,091
Short-Term Debt		 46 43 42 41 38 37 36 44
Other Short-Term Payables		 25 25 27 29 25 26 27 29
Long-Term Debt		 8.50 8.50 8.50 8.50 8.50 8.50 8.50 8.50
Other Long-Term Liabilities		 1.89 1.75 1.74 1.63 1.50 1.57 1.79 1.67
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 137 146 146 152 156 161 164 171
Total Preferred & Common Equity		 137 146 146 152 156 161 164 171
Total Common Equity		 137 146 146 152 156 161 164 171
Common Stock		 57 58 58 58 58 58 58 58
Retained Earnings		 113 117 119 120 125 128 130 136
Treasury Stock		 -17 -17 -19 -19 -19 -19 -19 -19
Accumulated Other Comprehensive Income / (Loss)		 -16 -12 -12 -7.19 -8.47 -6.55 -4.84 -4.06

Annual Metrics And Ratios for Ohio Valley Banc

This table displays calculated financial ratios and metrics derived from Ohio Valley Banc's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 4,029,439.00 4,665,765.00 4,692,266.00 4,733,120.00 4,777,878.00 4,787,446.00 4,770,877.00 4,771,774.00 4,773,132.00 - 4,711,001.00
DEI Adjusted Shares Outstanding		 4,029,439.00 4,665,765.00 4,692,266.00 4,733,120.00 4,777,878.00 4,787,446.00 4,770,877.00 4,771,774.00 4,773,132.00 - 4,711,001.00
DEI Earnings Per Adjusted Shares Outstanding		 2.13 1.48 1.60 2.52 2.07 2.14 2.46 2.80 2.65 - 3.31
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -2.73% 5.88% 14.82% 2.92% -0.85% -1.53% -1.06% 7.99% 6.76% 5.66% 7.65%
EBITDA Growth		 -0.13% -17.68% 31.91% 13.79% -15.45% 6.76% 15.62% 7.15% -7.34% -16.41% 32.80%
EBIT Growth		 1.70% -22.34% 35.69% 18.37% -17.46% 5.01% 13.89% 13.67% -4.61% -11.99% 45.42%
NOPAT Growth		 6.21% -19.29% 8.51% 59.06% -17.05% 3.55% 14.36% 13.69% -5.30% -12.92% 41.84%
Net Income Growth		 6.21% -19.29% 8.51% 59.06% -17.05% 3.55% 14.36% 13.69% -5.30% -12.92% 41.84%
EPS Growth		 5.58% -23.56% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Growth		 -10.98% 28.54% 8.45% 25.14% -18.68% -15.33% 5.57% 21.26% 29.75% -36.87% 38.09%
Free Cash Flow Firm Growth		 235.41% -479.29% 118.80% -108.74% 1,698.80% 54.81% 81.38% 42.72% -207.79% 141.45% -199.00%
Invested Capital Growth		 2.70% 22.13% 2.46% 7.98% 2.76% 1.18% -1.86% -4.72% 22.06% 0.74% 12.61%
Revenue Q/Q Growth		 -0.52% 4.08% 1.94% 3.39% -1.11% -2.25% -1.20% 3.35% 2.29% 3.50% -1.17%
EBITDA Q/Q Growth		 33.82% 21.91% 24.31% 38.97% -6.55% 30.55% -3.40% 20.11% 6.54% -3.85% 3.45%
EBIT Q/Q Growth		 19.19% 2.45% 9.29% 26.54% -17.27% 14.45% -17.59% 8.65% -0.88% -5.90% 10.84%
NOPAT Q/Q Growth		 20.78% 1.85% -13.04% 32.92% -3.49% 13.27% -16.96% 10.07% -2.33% -6.05% 10.17%
Net Income Q/Q Growth		 20.78% 1.85% -13.04% 93.96% -24.33% 13.27% -16.96% 10.07% -2.33% -6.05% 10.17%
EPS Q/Q Growth		 20.93% -3.05% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 5.60% 15.48% 52.09% -16.82% 1.93% -1.74% 1.12% 4.22% 4.25% -24.33% 42.66%
Free Cash Flow Firm Q/Q Growth		 -56.99% 32.16% 13.76% -124.31% 15.26% 20.55% 23.22% -27.99% -0.39% 687.69% -239.57%
Invested Capital Q/Q Growth		 8.52% 0.11% -0.92% 1.99% 1.29% 1.15% -1.88% 4.04% 3.17% -1.48% 7.02%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 30.36% 23.61% 27.12% 29.98% 25.57% 27.72% 32.39% 32.14% 27.89% 22.07% 27.22%
EBIT Margin		 27.04% 19.84% 23.44% 26.96% 22.44% 23.93% 27.55% 29.00% 25.91% 21.58% 29.16%
Profit (Net Income) Margin		 20.37% 15.53% 14.68% 22.68% 18.97% 19.95% 23.06% 24.28% 21.53% 17.75% 23.38%
Tax Burden Percent		 75.32% 78.28% 62.60% 84.12% 84.53% 83.36% 83.70% 83.72% 83.11% 82.23% 80.20%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 24.68% 21.72% 37.40% 15.88% 15.47% 16.64% 16.30% 16.28% 16.89% 17.77% 19.80%
Return on Invested Capital (ROIC)		 7.07% 5.07% 4.94% 7.47% 5.88% 5.98% 6.86% 8.06% 7.05% 5.56% 7.39%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.07% 5.07% 4.94% 7.47% 5.88% 5.98% 6.86% 8.06% 7.05% 5.56% 7.39%
Return on Net Nonoperating Assets (RNNOA)		 2.64% 2.03% 2.08% 3.05% 2.17% 1.78% 1.59% 1.59% 2.01% 1.91% 2.34%
Return on Equity (ROE)		 9.71% 7.10% 7.02% 10.51% 8.05% 7.76% 8.45% 9.65% 9.05% 7.47% 9.73%
Cash Return on Invested Capital (CROIC)		 4.41% -14.85% 2.51% -0.21% 3.16% 4.80% 8.74% 12.89% -12.83% 4.82% -4.47%
Operating Return on Assets (OROA)		 1.45% 1.01% 1.21% 1.38% 1.15% 1.12% 1.15% 1.30% 1.19% 0.94% 1.26%
Return on Assets (ROA)		 1.09% 0.79% 0.76% 1.16% 0.97% 0.93% 0.96% 1.08% 0.99% 0.77% 1.01%
Return on Common Equity (ROCE)		 9.71% 7.10% 7.02% 10.51% 8.05% 7.76% 8.45% 9.65% 9.05% 7.47% 9.73%
Return on Equity Simple (ROE_SIMPLE)		 9.48% 6.62% 6.87% 10.13% 7.73% 7.53% 8.30% 9.88% 8.77% 7.32% 9.16%
Net Operating Profit after Tax (NOPAT)		 8.57 6.92 7.51 12 9.91 10 12 13 13 11 16
NOPAT Margin		 20.37% 15.53% 14.68% 22.68% 18.97% 19.95% 23.06% 24.28% 21.53% 17.75% 23.38%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 52.31% 53.88% 48.81% 52.90% 55.90% 53.15% 54.67% 52.57% 51.89% 56.37% 49.48%
Operating Expenses to Revenue		 70.37% 73.82% 71.55% 71.07% 75.64% 70.27% 73.27% 71.06% 70.53% 74.43% 66.27%
Earnings before Interest and Taxes (EBIT)		 11 8.84 12 14 12 12 14 16 15 13 19
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 13 11 14 16 13 14 16 18 16 14 18
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.95 1.40 1.17 1.24 0.72 0.90 0.87 0.73 0.75 1.09
Price to Tangible Book Value (P/TBV)		 0.00 1.04 1.51 1.25 1.32 0.76 0.95 0.92 0.77 0.79 1.14
Price to Revenue (P/Rev)		 0.00 2.24 2.99 2.62 3.05 1.91 2.51 2.14 1.79 1.82 2.79
Price to Earnings (P/E)		 0.00 14.40 20.35 11.53 16.07 9.60 10.88 8.82 8.29 10.27 11.94
Dividend Yield		 4.79% 3.93% 2.58% 2.89% 2.52% 4.09% 3.14% 4.02% 4.65% 3.67% 2.30%
Earnings Yield		 0.00% 6.94% 4.91% 8.67% 6.22% 10.42% 9.20% 11.34% 12.06% 9.74% 8.37%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.69 0.79 0.68 0.86 0.00 0.01 0.60 0.15 0.39 0.87
Enterprise Value to Revenue (EV/Rev)		 0.00 2.32 2.36 2.14 2.82 0.00 0.03 1.75 0.51 1.26 2.90
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 9.83 8.71 7.14 11.01 0.00 0.08 5.45 1.82 5.71 10.67
Enterprise Value to EBIT (EV/EBIT)		 0.00 11.70 10.08 7.94 12.54 0.00 0.10 6.04 1.96 5.84 9.96
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 14.94 16.10 9.44 14.84 0.00 0.11 7.21 2.35 7.10 12.42
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 7.74 8.34 6.21 9.97 0.00 0.10 6.02 1.43 5.96 10.71
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 31.71 0.00 27.62 0.00 0.09 4.51 0.00 8.19 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.36 0.44 0.41 0.41 0.33 0.27 0.20 0.20 0.37 0.32 0.31
Long-Term Debt to Equity		 0.09 0.08 0.08 0.07 0.07 0.06 0.06 0.06 0.06 0.06 0.05
Financial Leverage		 0.37 0.40 0.42 0.41 0.37 0.30 0.23 0.20 0.29 0.34 0.32
Leverage Ratio		 8.91 8.98 9.26 9.05 8.31 8.32 8.78 8.90 9.18 9.70 9.63
Compound Leverage Factor		 8.91 8.98 9.26 9.05 8.31 8.32 8.78 8.90 9.18 9.70 9.63
Debt to Total Capital		 26.40% 30.37% 28.90% 29.03% 24.90% 21.06% 16.59% 16.38% 26.94% 24.29% 23.86%
Short-Term Debt to Total Capital		 19.48% 24.70% 23.37% 23.91% 19.92% 16.14% 11.57% 11.11% 22.62% 20.01% 20.06%
Long-Term Debt to Total Capital		 6.92% 5.66% 5.53% 5.12% 4.98% 4.92% 5.02% 5.26% 4.31% 4.28% 3.80%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 73.60% 69.63% 71.10% 70.97% 75.10% 78.94% 83.41% 83.62% 73.06% 75.71% 76.14%
Debt to EBITDA		 2.54 4.33 3.20 3.05 3.18 2.55 1.71 1.50 3.24 3.53 2.94
Net Debt to EBITDA		 -1.16 0.36 -2.30 -1.59 -0.92 -7.33 -7.66 -1.21 -4.59 -2.55 0.41
Long-Term Debt to EBITDA		 0.67 0.81 0.61 0.54 0.64 0.60 0.52 0.48 0.52 0.62 0.47
Debt to NOPAT		 3.78 6.59 5.92 4.04 4.29 3.54 2.40 1.98 4.20 4.39 3.42
Net Debt to NOPAT		 -1.73 0.54 -4.25 -2.10 -1.23 -10.18 -10.76 -1.61 -5.94 -3.17 0.48
Long-Term Debt to NOPAT		 0.99 1.23 1.13 0.71 0.86 0.83 0.72 0.64 0.67 0.77 0.54
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 5.35 -20 3.81 -0.33 5.32 8.24 15 21 -23 9.53 -9.44
Operating Cash Flow to CapEx		 533.23% 794.18% 839.37% 665.72% 253.05% 363.43% 2,201.50% 1,019.77% 839.96% 932.83% 2,160.69%
Free Cash Flow to Firm to Interest Expense		 1.88 -6.71 0.96 -0.06 0.73 1.33 4.04 7.52 -1.45 0.35 -0.34
Operating Cash Flow to Interest Expense		 3.66 4.42 3.65 3.32 2.03 2.02 3.57 5.63 1.31 0.49 0.66
Operating Cash Flow Less CapEx to Interest Expense		 2.98 3.87 3.21 2.82 1.23 1.46 3.40 5.08 1.15 0.43 0.63
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.05 0.04 0.04 0.05 0.04 0.04
Fixed Asset Turnover		 4.30 3.84 3.93 3.74 3.01 2.46 2.36 2.60 2.72 2.83 3.13
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 123 150 154 166 171 173 169 161 197 199 224
Invested Capital Turnover		 0.35 0.33 0.34 0.33 0.31 0.30 0.30 0.33 0.33 0.31 0.32
Increase / (Decrease) in Invested Capital		 3.23 27 3.70 12 4.58 2.02 -3.22 -8.00 36 1.47 25
Enterprise Value (EV)		 0.00 103 121 113 147 -6.00 1.34 96 30 78 194
Market Capitalization		 0.00 100 153 138 159 98 128 118 105 113 186
Book Value per Share		 $22.07 $22.40 $23.31 $24.90 $26.83 $28.48 $29.63 $28.30 $30.17 $31.91 $36.14
Tangible Book Value per Share		 $21.76 $20.59 $21.63 $23.27 $25.26 $26.92 $28.08 $26.76 $28.64 $30.36 $34.59
Total Capital		 123 150 154 166 171 173 169 161 197 199 224
Total Debt		 32 46 44 48 42 36 28 26 53 48 53
Total Long-Term Debt		 8.50 8.50 8.50 8.50 8.50 8.50 8.50 8.50 8.50 8.50 8.50
Net Debt		 -15 3.75 -32 -25 -12 -104 -126 -21 -75 -35 7.45
Capital Expenditures (CapEx)		 1.95 1.68 1.73 2.73 5.83 3.44 0.60 1.57 2.47 1.40 0.84
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 32 46 44 48 42 36 28 26 53 48 53
Total Depreciation and Amortization (D&A)		 1.40 1.68 1.88 1.59 1.63 1.95 2.46 1.73 1.16 0.30 -1.29
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.08 $1.59 $1.60 $2.53 $2.08 $2.14 $2.45 $2.80 $2.65 $2.32 $3.31
Adjusted Weighted Average Basic Shares Outstanding		 4.14M 4.68M 4.72M 4.76M 4.79M 4.79M 4.77M 4.78M 4.79M 4.71M 4.71M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $2.08 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 4.14M 4.68M 4.72M 4.76M 4.79M 4.79M 4.77M 4.78M 4.79M 4.71M 4.71M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $2.08 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 4.14M 4.68M 4.72M 4.76M 4.79M 4.79M 4.77M 4.78M 4.79M 4.71M 4.71M
Normalized Net Operating Profit after Tax (NOPAT)		 8.57 7.65 7.51 12 9.91 10 12 13 13 11 16
Normalized NOPAT Margin		 20.37% 17.16% 14.68% 22.68% 18.97% 19.95% 23.06% 24.28% 21.53% 17.75% 23.38%
Pre Tax Income Margin		 27.04% 19.84% 23.44% 26.96% 22.44% 23.93% 27.55% 29.00% 25.91% 21.58% 29.16%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 4.01 2.93 3.02 2.60 1.61 1.99 3.79 5.61 0.96 0.50 0.71
NOPAT to Interest Expense		 3.02 2.29 1.89 2.18 1.36 1.66 3.17 4.70 0.80 0.41 0.57
EBIT Less CapEx to Interest Expense		 3.32 2.37 2.58 2.10 0.81 1.43 3.63 5.06 0.80 0.44 0.68
NOPAT Less CapEx to Interest Expense		 2.33 1.73 1.45 1.69 0.56 1.10 3.01 4.15 0.64 0.36 0.54
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 42.75% 51.81% 52.36% 33.21% 40.38% 39.20% 34.25% 35.39% 38.56% 37.98% 27.48%
Augmented Payout Ratio		 42.75% 51.81% 52.36% 33.21% 40.38% 39.20% 42.38% 35.39% 39.21% 55.66% 27.48%

Quarterly Metrics And Ratios for Ohio Valley Banc

This table displays calculated financial ratios and metrics derived from Ohio Valley Banc's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 4,776,520.00 4,773,132.00 4,793,674.00 4,793,674.00 4,711,001.00 - 4,711,001.00 4,711,001.00 4,711,001.00 4,711,001.00 4,711,001.00
DEI Adjusted Shares Outstanding		 4,776,520.00 4,773,132.00 4,793,674.00 4,793,674.00 4,711,001.00 - 4,711,001.00 4,711,001.00 4,711,001.00 4,711,001.00 4,711,001.00
DEI Earnings Per Adjusted Shares Outstanding		 0.47 0.68 0.58 0.62 0.58 - 0.94 0.89 0.64 0.84 0.91
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -3.57% 9.68% -3.89% 2.35% 10.69% 14.06% 12.76% 18.54% 5.90% -4.64% 8.28%
EBITDA Growth		 -40.39% -3.43% -28.32% -7.04% 22.86% -21.52% 63.58% 43.26% 13.63% 62.05% -5.39%
EBIT Growth		 -40.39% -3.34% -28.21% -6.89% 23.09% -21.46% 63.58% 43.26% 13.63% 62.05% -5.39%
NOPAT Growth		 -39.00% -8.54% -28.53% -8.53% 20.79% -21.97% 57.75% 41.66% 11.44% 57.26% -2.47%
Net Income Growth		 -39.00% -8.54% -28.53% -8.53% 20.79% -21.97% 57.75% 41.66% 11.44% 57.26% -2.47%
EPS Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Growth		 16.64% 14.70% -78.04% 5.80% -6.23% -63.79% -46.55% 7.13% -5.11% 226.28% 1,349.60%
Free Cash Flow Firm Growth		 -258.43% -381.26% -786.09% -86.12% 76.84% 103.23% 97.75% 70.23% 43.82% -2,113.56% -2,216.86%
Invested Capital Growth		 23.09% 22.06% 20.91% 13.16% 5.49% 0.74% 2.59% 5.16% 3.67% 12.61% 10.19%
Revenue Q/Q Growth		 -2.67% 6.83% -0.07% -1.49% 5.26% 10.07% -1.20% 3.56% -5.97% -0.88% 12.19%
EBITDA Q/Q Growth		 -31.12% 45.71% -13.15% 6.66% -8.98% -6.95% 81.02% -6.59% -27.81% 32.75% 5.69%
EBIT Q/Q Growth		 -31.15% 45.87% -13.09% 6.66% -8.98% -6.92% 81.02% -6.59% -27.81% 32.75% 5.69%
NOPAT Q/Q Growth		 -30.72% 43.18% -13.34% 6.41% -8.51% -7.50% 75.19% -4.45% -28.03% 30.53% 8.65%
Net Income Q/Q Growth		 -30.72% 43.18% -13.34% 6.41% -8.51% -7.50% 75.19% -4.45% -28.03% 30.53% 8.65%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 51.13% 10.53% -85.94% 350.43% 33.95% -57.31% -79.25% 802.82% 18.65% 46.77% -7.80%
Free Cash Flow Firm Q/Q Growth		 -214.70% 3.53% 3.18% 36.69% 60.85% 113.46% -167.43% -737.68% 26.11% -382.43% 22.41%
Invested Capital Q/Q Growth		 10.13% 3.17% 0.22% -0.62% 2.66% -1.48% 2.06% 1.87% 1.21% 7.02% -0.13%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 19.23% 26.24% 22.80% 24.69% 21.35% 18.05% 33.08% 29.83% 22.91% 30.68% 28.90%
EBIT Margin		 19.20% 26.22% 22.80% 24.69% 21.35% 18.05% 33.08% 29.83% 22.91% 30.68% 28.90%
Profit (Net Income) Margin		 16.14% 21.64% 18.76% 20.27% 17.62% 14.80% 26.25% 24.22% 18.54% 24.41% 23.64%
Tax Burden Percent		 84.09% 82.54% 82.29% 82.10% 82.52% 82.00% 79.36% 81.18% 80.93% 79.58% 81.80%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 15.91% 17.46% 17.71% 17.90% 17.48% 18.00% 20.64% 18.82% 19.07% 20.42% 18.20%
Return on Invested Capital (ROIC)		 5.35% 7.08% 6.04% 6.40% 5.37% 4.64% 8.38% 8.01% 6.10% 7.72% 7.56%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.35% 7.08% 6.04% 6.40% 5.37% 4.64% 8.38% 8.01% 6.10% 7.72% 7.56%
Return on Net Nonoperating Assets (RNNOA)		 1.63% 2.02% 1.65% 1.94% 1.93% 1.60% 2.74% 2.51% 1.81% 2.44% 2.29%
Return on Equity (ROE)		 6.98% 9.10% 7.69% 8.34% 7.30% 6.23% 11.12% 10.52% 7.91% 10.16% 9.85%
Cash Return on Invested Capital (CROIC)		 -13.23% -12.83% -12.55% -6.27% 0.62% 4.82% 3.75% 1.85% 3.29% -4.47% -2.42%
Operating Return on Assets (OROA)		 0.86% 1.20% 1.00% 1.08% 0.91% 0.78% 1.46% 1.36% 1.01% 1.33% 1.23%
Return on Assets (ROA)		 0.72% 0.99% 0.83% 0.88% 0.75% 0.64% 1.16% 1.11% 0.82% 1.06% 1.01%
Return on Common Equity (ROCE)		 6.98% 9.10% 7.69% 8.34% 7.30% 6.23% 11.12% 10.52% 7.91% 10.16% 9.85%
Return on Equity Simple (ROE_SIMPLE)		 9.45% 0.00% 7.90% 7.71% 7.69% 0.00% 8.10% 8.62% 8.61% 0.00% 9.04%
Net Operating Profit after Tax (NOPAT)		 2.25 3.22 2.79 2.97 2.72 2.52 4.41 4.21 3.03 3.96 4.30
NOPAT Margin		 16.14% 21.64% 18.76% 20.27% 17.62% 14.80% 26.25% 24.22% 18.54% 24.41% 23.64%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 55.44% 50.18% 53.76% 54.95% 54.78% 61.32% 48.18% 47.59% 51.69% 50.63% 46.10%
Operating Expenses to Revenue		 74.43% 69.16% 72.16% 74.08% 72.69% 78.32% 64.45% 63.56% 70.29% 66.99% 62.18%
Earnings before Interest and Taxes (EBIT)		 2.68 3.91 3.39 3.62 3.30 3.07 5.55 5.19 3.74 4.97 5.25
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 2.68 3.91 3.39 3.62 3.30 3.07 5.55 5.19 3.74 4.97 5.25
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.81 0.73 0.77 0.63 0.72 0.75 0.76 0.94 1.05 1.09 1.20
Price to Tangible Book Value (P/TBV)		 0.85 0.77 0.81 0.66 0.76 0.79 0.80 0.98 1.10 1.14 1.25
Price to Revenue (P/Rev)		 1.93 1.79 1.93 1.58 1.84 1.82 1.86 2.26 2.56 2.79 3.02
Price to Earnings (P/E)		 8.55 8.29 9.74 8.19 9.39 10.27 9.44 10.89 12.22 11.94 13.27
Dividend Yield		 4.36% 4.65% 4.40% 5.37% 3.77% 3.67% 1.74% 2.78% 2.45% 2.30% 2.11%
Earnings Yield		 11.69% 12.06% 10.26% 12.21% 10.65% 9.74% 10.59% 9.18% 8.18% 8.37% 7.54%
Enterprise Value to Invested Capital (EV/IC)		 0.39 0.15 0.18 0.18 0.38 0.39 0.22 0.69 0.61 0.87 0.59
Enterprise Value to Revenue (EV/Rev)		 1.28 0.51 0.60 0.60 1.29 1.26 0.71 2.13 1.90 2.90 1.94
Enterprise Value to EBITDA (EV/EBITDA)		 4.80 1.82 2.51 2.57 5.43 5.71 2.92 8.29 7.31 10.67 6.90
Enterprise Value to EBIT (EV/EBIT)		 4.80 1.96 2.52 2.57 5.43 5.84 2.92 8.30 7.31 9.96 6.90
Enterprise Value to NOPAT (EV/NOPAT)		 5.70 2.35 3.03 3.11 6.59 7.10 3.60 10.24 9.06 12.42 8.53
Enterprise Value to Operating Cash Flow (EV/OCF)		 3.70 1.43 2.00 1.97 4.46 5.96 3.59 10.94 10.12 10.71 5.34
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 63.75 8.19 6.05 38.08 18.98 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.40 0.37 0.36 0.35 0.32 0.32 0.30 0.28 0.27 0.31 0.30
Long-Term Debt to Equity		 0.06 0.06 0.06 0.06 0.06 0.06 0.05 0.05 0.05 0.05 0.05
Financial Leverage		 0.30 0.29 0.27 0.30 0.36 0.34 0.33 0.31 0.30 0.32 0.30
Leverage Ratio		 9.67 9.18 9.31 9.43 9.72 9.70 9.57 9.51 9.68 9.63 9.76
Compound Leverage Factor		 9.67 9.18 9.31 9.43 9.72 9.70 9.57 9.51 9.68 9.63 9.76
Debt to Total Capital		 28.40% 26.94% 26.20% 25.75% 24.51% 24.29% 23.16% 22.13% 21.31% 23.86% 23.30%
Short-Term Debt to Total Capital		 23.95% 22.62% 21.90% 21.42% 20.29% 20.01% 18.97% 18.01% 17.24% 20.06% 19.49%
Long-Term Debt to Total Capital		 4.45% 4.31% 4.30% 4.33% 4.22% 4.28% 4.19% 4.12% 4.07% 3.80% 3.81%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 71.60% 73.06% 73.80% 74.25% 75.49% 75.71% 76.84% 77.87% 78.69% 76.14% 76.70%
Debt to EBITDA		 3.53 3.24 3.73 3.72 3.47 3.53 3.02 2.67 2.54 2.94 2.72
Net Debt to EBITDA		 -2.41 -4.59 -5.57 -4.20 -2.31 -2.55 -4.74 -0.52 -2.55 0.41 -3.83
Long-Term Debt to EBITDA		 0.55 0.52 0.61 0.62 0.60 0.62 0.55 0.50 0.48 0.47 0.44
Debt to NOPAT		 4.20 4.20 4.49 4.50 4.22 4.39 3.72 3.30 3.14 3.42 3.36
Net Debt to NOPAT		 -2.86 -5.94 -6.71 -5.08 -2.80 -3.17 -5.84 -0.65 -3.16 0.48 -4.73
Long-Term Debt to NOPAT		 0.66 0.67 0.74 0.76 0.73 0.77 0.67 0.61 0.60 0.54 0.55
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -34 -32 -31 -20 -7.78 1.05 -0.71 -5.91 -4.37 -21 -16
Operating Cash Flow to CapEx		 1,062.46% 1,358.02% 133.72% 1,294.12% 3,059.56% 1,171.57% 138.55% 4,108.26% 1,558.06% 26,889.66% 1,857.88%
Free Cash Flow to Firm to Interest Expense		 -7.37 -5.58 -4.83 -2.97 -1.14 0.15 -0.11 -0.91 -0.63 -2.86 -2.16
Operating Cash Flow to Interest Expense		 1.31 1.14 0.14 0.62 0.82 0.34 0.07 0.69 0.76 1.06 0.95
Operating Cash Flow Less CapEx to Interest Expense		 1.19 1.05 0.04 0.58 0.79 0.31 0.02 0.67 0.72 1.05 0.90
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.05 0.04 0.04 0.04 0.04 0.04 0.05 0.04 0.04 0.04
Fixed Asset Turnover		 2.67 2.72 2.68 2.67 2.73 2.83 2.91 3.07 3.12 3.13 3.20
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 191 197 198 196 202 199 203 206 209 224 223
Invested Capital Turnover		 0.33 0.33 0.32 0.32 0.31 0.31 0.32 0.33 0.33 0.32 0.32
Increase / (Decrease) in Invested Capital		 36 36 34 23 10 1.47 5.11 10 7.40 25 21
Enterprise Value (EV)		 74 30 35 35 77 78 45 142 128 194 132
Market Capitalization		 111 105 112 92 110 113 119 151 173 186 206
Book Value per Share		 $28.64 $30.17 $30.41 $30.41 $32.30 $31.91 $33.05 $34.12 $34.90 $36.14 $36.36
Tangible Book Value per Share		 $27.10 $28.64 $28.88 $28.88 $30.74 $30.36 $31.50 $32.57 $33.35 $34.59 $34.80
Total Capital		 191 197 198 196 202 199 203 206 209 224 223
Total Debt		 54 53 52 51 49 48 47 46 45 53 52
Total Long-Term Debt		 8.50 8.50 8.50 8.50 8.50 8.50 8.50 8.50 8.50 8.50 8.50
Net Debt		 -37 -75 -77 -57 -33 -35 -74 -8.95 -45 7.45 -73
Capital Expenditures (CapEx)		 0.56 0.49 0.69 0.32 0.18 0.20 0.36 0.11 0.34 0.03 0.39
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 54 53 52 51 49 48 47 46 45 53 52
Total Depreciation and Amortization (D&A)		 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.47 $0.68 $0.58 $0.63 $0.58 $0.53 $0.94 $0.89 $0.64 $0.84 $0.91
Adjusted Weighted Average Basic Shares Outstanding		 4.77M 4.79M 4.79M 4.71M 4.71M 4.71M 4.71M 4.71M 4.71M 4.71M 4.71M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 4.77M 4.79M 4.79M 4.71M 4.71M 4.71M 4.71M 4.71M 4.71M 4.71M 4.71M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 4.77M 4.79M 4.79M 4.71M 4.71M 4.71M 4.71M 4.71M 4.71M 4.71M 4.71M
Normalized Net Operating Profit after Tax (NOPAT)		 2.25 3.22 2.79 2.97 2.72 2.52 4.41 4.21 3.03 3.96 4.30
Normalized NOPAT Margin		 16.14% 21.64% 18.76% 20.27% 17.62% 14.80% 26.25% 24.22% 18.54% 24.41% 23.64%
Pre Tax Income Margin		 19.20% 26.22% 22.80% 24.69% 21.35% 18.05% 33.08% 29.83% 22.91% 30.68% 28.90%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.59 0.67 0.52 0.54 0.48 0.44 0.83 0.80 0.54 0.67 0.69
NOPAT to Interest Expense		 0.49 0.56 0.43 0.44 0.40 0.36 0.66 0.65 0.44 0.54 0.57
EBIT Less CapEx to Interest Expense		 0.46 0.59 0.42 0.49 0.46 0.41 0.78 0.78 0.49 0.67 0.64
NOPAT Less CapEx to Interest Expense		 0.37 0.47 0.32 0.40 0.37 0.33 0.61 0.63 0.39 0.53 0.52
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 37.29% 38.56% 42.71% 37.43% 35.81% 37.98% 33.02% 30.27% 29.94% 27.48% 27.98%
Augmented Payout Ratio		 37.92% 39.21% 43.43% 55.34% 52.30% 55.66% 48.44% 30.38% 30.04% 27.48% 27.98%

Financials Breakdown Chart

Key Financial Trends

Ohio Valley Banc (NASDAQ: OVBC) delivered a much weaker first quarter in 2026 compared with the same period a year earlier, even though the bank remained profitable and continued to generate positive operating cash flow. The quarter was marked by a sharp drop in net income, higher credit costs, and a noticeable decline in loan-related interest income, while the balance sheet continued to grow and liquidity stayed solid.

On the top line, Q1 2026 total revenue fell to $18.2 million from $16.8 million in Q1 2025 on a reported basis, but profitability was pressured by a decline in net income to $4.3 million from $4.4 million in Q1 2025 restated and from $4.0 million in Q4 2025. Earnings per share were $0.91, up from $0.84 in Q4 2025, but still below the stronger levels seen in prior quarters and not enough to offset the broader softness in the period.

The company’s net interest income improved year over year, reaching $14.9 million versus $13.1 million in Q1 2025 and $15.5 million in Q4 2025. That said, the underlying mix was mixed: interest income on loans and leases dropped to $19.4 million from $20.0 million in Q4 2025, while deposit interest expense also rose. Non-interest income was modest at $3.3 million, with service charges and fees providing most of the support.

Expense control was not enough to fully protect profits. Total non-interest expense increased to $11.3 million from $10.9 million in Q4 2025, while the provision for credit losses jumped to $1.6 million from $0.4 million in the prior quarter. That increase was a key drag on pre-tax income and suggests the bank is becoming more cautious about credit quality.

On the cash-flow side, OVBC showed a healthy operating base. Operating cash flow was $7.2 million in Q1 2026, up from $7.8 million in Q4 2025 and well above the very weak Q1 2025 level. The company also generated $79.4 million of net cash increase for the quarter, helped by strong financing inflows tied to deposit growth. Dividends remained in place at $0.23 per share.

The balance sheet expanded meaningfully. Total assets rose to $1.68 billion from $1.57 billion at the end of Q3 2025 and $1.51 billion at the end of Q4 2025. Deposits also increased, with non-interest-bearing deposits at $332.8 million and interest-bearing deposits at $1.09 billion. Equity improved to $171.3 million, up from $164.4 million in Q3 2025 and $160.8 million in Q2 2025, which is a constructive sign for capital strength.

  • Net interest income improved year over year, reaching $14.9 million in Q1 2026 versus $13.1 million in Q1 2025.
  • Total assets grew to $1.68 billion, showing continued balance sheet expansion.
  • Total common equity increased to $171.3 million, indicating stronger capital than in prior quarters.
  • Operating cash flow remained positive at $7.2 million, supporting ongoing dividend payments.
  • Deposits increased meaningfully, helping fund the balance sheet and supporting liquidity.
  • Non-interest income was stable but modest, with fee income doing most of the work.
  • Dividend coverage appears intact based on quarterly earnings and continued cash generation.
  • Net income declined to $4.3 million from stronger prior quarters, signaling earnings pressure.
  • Provision for credit losses rose sharply to $1.6 million, suggesting a more cautious credit outlook.
  • Non-interest expense increased to $11.3 million, limiting operating leverage.

Bottom line: OVBC’s first quarter of 2026 was a mixed one. The bank still looks liquid and well-capitalized, and deposit growth remains a positive. But profitability softened, credit provisioning rose, and operating expenses stayed elevated. For retail investors, the key question going forward is whether OVBC can convert its growing balance sheet into steadier earnings growth without a further rise in credit costs.

08/04/26 07:02 PM ETAI Generated. May Contain Errors.

Ohio Valley Banc Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Ohio Valley Banc's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Ohio Valley Banc's net income appears to be on an upward trend, with a most recent value of $15.60 million in 2025, rising from $8.57 million in 2015. The previous period was $11.00 million in 2024. See where experts think Ohio Valley Banc is headed by visiting Ohio Valley Banc's forecast page.

Over the last 10 years, Ohio Valley Banc's total revenue changed from $42.09 million in 2015 to $66.72 million in 2025, a change of 58.5%.

Ohio Valley Banc's total liabilities were at $1.41 billion at the end of 2025, a 4.4% increase from 2024, and a 100.1% increase since 2015.

In the past 10 years, Ohio Valley Banc's cash and equivalents has ranged from $9.48 million in 2015 to $15.70 million in 2024, and is currently $14.85 million as of their latest financial filing in 2025.

Over the last 10 years, Ohio Valley Banc's book value per share changed from 22.07 in 2015 to 36.14 in 2025, a change of 63.8%.


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Financial statements for NASDAQ:OVBC last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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