Get started

Financials · OVBC

Ohio Valley Banc Corp. (OVBC) financials

For the twelve months ended Jun 30, 2026, Ohio Valley Banc Corp. reported $69.31M of revenue and $14.21M of net income.

Revenue, TTM
$69.31M
Revenue growth, YoY
+4.1%
Net income, TTM
$14.21M
Net income growth, YoY
+2.6%
Net margin
20.5%
Free cash flow, TTM
$19.71M
Cash
$78.08M
P/E
18.79
P/S
3.85
Market cap
$266.9M
Annual revenue$66.72M
FY2016FY2025
Annual net income$15.60M
FY2016FY2025
Annual free cash flow$17.05M
FY2016FY2025

OVBC revenue and earnings growth

OVBC revenueQ2 2026$18.58M

Quarter YoY
+6.9%
QoQ
+2.2%
FY YoY
+7.6%
5Y CAGR
+5.3%
10Y CAGR
+4.7%

OVBC revenue was $18.58M in fiscal Q2 2026 (ended Jun 30, 2026), up 6.9% from a year earlier and up 2.2% from the prior quarter. For the full fiscal 2025 it was $66.72M, up 7.6% from fiscal 2024. Compound annual growth was +5.3% over 5 years and +4.7% over 10 years. It rose in 7 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

OVBC net incomeQ2 2026$2.93M

Quarter YoY
-30.5%
QoQ
-31.9%
FY YoY
+41.8%
5Y CAGR
+8.7%
10Y CAGR
+6.2%

OVBC net income was $2.93M in fiscal Q2 2026 (ended Jun 30, 2026), down 30.5% from a year earlier and down 31.9% from the prior quarter. For the full fiscal 2025 it was $15.60M, up 41.8% from fiscal 2024. Compound annual growth was +8.7% over 5 years and +6.2% over 10 years. It rose in 6 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

OVBC free cash flowQ2 2026$370.0K

Quarter YoY
-91.5%
QoQ
-94.6%
FY YoY
+46.2%
5Y CAGR
+13.5%
10Y CAGR
+7.3%

OVBC free cash flow was $370.0K in fiscal Q2 2026 (ended Jun 30, 2026), down 91.5% from a year earlier and down 94.6% from the prior quarter. For the full fiscal 2025 it was $17.05M, up 46.2% from fiscal 2024. Compound annual growth was +13.5% over 5 years and +7.3% over 10 years. It rose in 8 of the last 10 fiscal years.

Export CSV

Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$66.72M$61.98M$58.66M$54.94M$50.88M$51.42M$52.22M$52.66M$51.17M$44.56M
Interest expense--$15.84M$2.84M$3.70M$6.19M$7.26M$5.47M$3.98M$3.02M
Pre-tax income$19.45M$13.38M$15.20M$15.93M$14.02M$12.31M$11.72M$14.20M$11.99M$8.84M
Income tax$3.85M$2.38M$2.57M$2.59M$2.28M$2.05M$1.81M$2.25M$4.49M$1.92M
Net income$15.60M$11.00M$12.63M$13.34M$11.73M$10.26M$9.91M$11.94M$7.51M$6.92M
EPS, basic$3.31$2.32$2.65$2.80$2.45$2.14$2.08$2.53$1.60$1.59
Diluted shares------4.8M4.7M4.7M0

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$45.90M$83.11M$128.13M$45.99M$152.03M$138.30M$52.36M$71.18M$74.57M$40.17M
Goodwill$7.32M$7.32M$7.32M$7.32M$7.32M$7.32M$7.32M$7.37M$7.37M$7.80M
Total assets$1.58B$1.50B$1.35B$1.21B$1.25B$1.19B$1.01B$1.03B$1.03B$954.64M
Total liabilities$1.41B$1.35B$1.21B$1.08B$1.11B$1.05B$885.09M$912.62M$916.93M$850.11M
Shareholders' equity$170.26M$150.33M$144.01M$132.82M$141.36M$136.32M$128.18M$117.87M$109.36M$104.53M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$18.09M$13.10M$20.75M$15.99M$13.19M$12.49M$14.75M$18.14M$14.50M$13.37M
Capital expenditures$1.04M$1.43M$2.69M$1.99M$1.08M$3.45M$6.23M$2.73M$1.73M$1.68M
Free cash flow$17.05M$11.66M$18.06M$14.00M$12.10M$9.04M$8.52M$15.42M$12.77M$11.68M
Investing cash flow-$110.61M-$195.18M-$59.79M-$83.39M-$52.40M-$88.69M-$26.41M-$12.73M-$42.18M-$38.43M
Financing cash flow$55.31M$137.07M$121.18M-$38.64M$52.95M$162.14M-$7.17M-$8.81M$62.09M$19.70M
Dividends paid$4.29M$4.18M$4.87M$4.72M$4.02M$4.02M$4.00M$3.97M$3.93M$3.58M
Share repurchases$0$1.95M$82.0K$0------
Stock-based compensation-----$0$328.0K$295.0K$428.0K$575.0K

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY7.6%5.7%6.8%8.0%-1.1%-1.5%-0.8%2.9%14.8%5.9%
Net income growth, YoY41.8%-12.9%-5.3%13.7%14.4%3.6%-17.1%59.1%8.5%-19.3%
Net margin23.4%17.7%21.5%24.3%23.1%20.0%19.0%22.7%14.7%15.5%
Free cash flow margin25.6%18.8%30.8%25.5%23.8%17.6%16.3%29.3%25.0%26.2%
Return on equity9.2%7.3%8.8%10.0%8.3%7.5%7.7%10.1%6.9%6.6%
Return on assets1.0%0.7%0.9%1.1%0.9%0.9%1.0%1.2%0.7%0.7%

Source: XBRL data Ohio Valley Banc Corp. files with the SEC, latest filing dated Aug 13, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

OVBC peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
OVBC$69.31M+4.1%$14.21M20.5%$266.9M
JPM$203.15B+13.2%$65.98B32.5%$888.26B
BAC$120.16B+5.4%$32.24B26.8%$340.97B
WFC$87.23B+5.4%$22.97B26.3%$251.98B
C$85.22B+5.6%$14.31B16.8%$199.70B
UBS$49.57B+2.0%$7.80B15.7%$148.27B
COF$63.01B+31.2%$10.87B17.2%$121.43B
MFG¥8.79T+7.6%¥1.16T13.2%$116.96B
BNSC$37.74B+12.1%C$7.79B20.6%$112.48B

OVBC FAQ

7 questions
  • What is OVBC revenue?
    Ohio Valley Banc Corp. (OVBC) reported $69.31M of revenue for the twelve months ended Jun 30, 2026. That is up 4.1% from the year before. Revenue for fiscal 2025 was $66.72M.
  • Is OVBC profitable?
    Yes. Ohio Valley Banc Corp. earned $14.21M in net income for the twelve months ended Jun 30, 2026, a net margin of 20.5%.
  • How much cash and debt does OVBC have?
    Ohio Valley Banc Corp. reported $78.08M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is OVBC revenue growing?
    Ohio Valley Banc Corp.'s revenue changed +7.6% in fiscal 2025, to $66.72M. Its compound annual growth rate was +5.3% over 5 years and +4.7% over 10 years.
  • What is OVBC free cash flow?
    Ohio Valley Banc Corp. generated $19.71M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $22.94M less capital expenditures.
  • When did OVBC last report financial results?
    The latest statements here come from Ohio Valley Banc Corp.'s 10-Q filed on Aug 13, 2026, covering the period ended Jun 30, 2026.
  • Where does this OVBC financial data come from?
    Quantisnow builds these statements from the structured XBRL data Ohio Valley Banc Corp. files with the SEC. It is provided for information only and is not investment advice.