OVBC · Ohio Valley Banc Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $1.66M | $1.68M | $1.56M | $1.46M | $1.46M | $1.34M |
| Operating Income | $19.45M | $13.38M | $15.20M | $15.93M | $12.31M | $12.31M |
| Interest Expense | - | - | $15.84M | $2.84M | $3.70M | $6.19M |
| Income Tax | $3.85M | $2.38M | $2.57M | $2.59M | $2.28M | $2.05M |
| Net Income | $15.60M | $11.00M | $12.63M | $13.34M | $11.73M | $10.26M |
| EPS - Basic | $3.31 | $2.32 | $2.65 | $2.80 | $2.45 | $2.14 |
| EPS - Diluted | - | - | - | - | - | - |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $45.90M | $83.11M | $128.13M | $45.99M | $152.03M | $138.30M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $1.58B | $1.50B | $1.35B | $1.21B | $1.25B | $1.19B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $1.41B | $1.35B | $1.21B | $1.08B | $1.11B | $1.05B |
| Stockholders' Equity | $170.26M | $150.33M | $144.01M | $135.03M | $141.36M | $136.32M |
| Retained Earnings | $133.01M | $121.69M | $114.87M | $109.32M | $100.70M | $92.99M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $18.09M | $13.10M | $20.75M | $15.99M | $13.14M | $12.49M |
| Investing Cash Flow | ($110.61M) | ($195.18M) | ($59.79M) | ($83.39M) | ($52.35M) | ($88.69M) |
| Financing Cash Flow | $55.31M | $137.07M | $121.18M | ($38.64M) | $52.95M | $162.14M |
| CapEx | $1.04M | $1.43M | $2.69M | $1.99M | $1.08M | $3.45M |
| Free Cash Flow | $17.05M | $11.66M | $18.06M | $14.00M | $12.05M | $9.04M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.09 | 1.06 | 1.43 | 1.05 | 1.03 | 0.88 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 19.8% | 17.8% | 16.9% | 16.3% | 16.3% | 16.6% |
| Return on assets | 1.0% | 0.7% | 0.9% | 1.1% | 0.9% | 0.9% |
| Return on equity | 9.2% | 7.3% | 8.8% | 9.9% | 8.3% | 7.5% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 1.0x | 5.6x | 3.3x | 2.0x |
| Equity multiplier | 9.30 | 10.00 | 9.39 | 8.97 | 8.84 | 8.71 |
| Liabilities / Assets | 0.89 | 0.90 | 0.89 | 0.89 | 0.89 | 0.89 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | - | - | - | - | - | - |
| P / B | - | - | - | - | - | - |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 45.4% | -12.0% | -4.6% | 29.5% | 0.0% | 5.0% |
| Net income growth (YoY) | 41.8% | -12.9% | -5.3% | 13.7% | 14.4% | 3.6% |
| EPS growth (YoY) | - | - | - | - | - | - |
| EPS CAGR (3y) | - | - | - | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - | - |
| FCF growth (YoY) | 46.2% | -35.4% | 29.0% | 16.2% | 33.3% | 6.1% |
| FCF CAGR (5y) | 13.5% | 6.5% | 3.2% | 1.9% | 0.6% | 1.4% |
| Book value growth (YoY) | 13.3% | 4.4% | 6.6% | -4.5% | 3.7% | 6.4% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- -No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: State Commercial Banks
Comparing OHIO VALLEY BANC CORP against the 5 most active filers in the same SIC group.
Dividends
$0.94/share trailing 12 months · +5.6% YoY
| Ex-date | Per share |
|---|---|
| Apr 24, 2026 | $0.2500 |
| Jan 23, 2026 | $0.2300 |
| Oct 31, 2025 | $0.2300 |
| Jul 25, 2025 | $0.2300 |
| Apr 25, 2025 | $0.2300 |
| Jan 24, 2025 | $0.2200 |
| Oct 25, 2024 | $0.2200 |
| Jul 26, 2024 | $0.2200 |
| Apr 25, 2024 | $0.2200 |
| Jan 25, 2024 | $0.2200 |
| Oct 26, 2023 | $0.2200 |
| Jul 27, 2023 | $0.2200 |
| May 26, 2023 | $0.1500 |
| Apr 27, 2023 | $0.2200 |
| Jan 26, 2023 | $0.2100 |
| Oct 27, 2022 | $0.2100 |
| Jul 28, 2022 | $0.2100 |
| May 27, 2022 | $0.1500 |
| Apr 28, 2022 | $0.2100 |
| Jan 27, 2022 | $0.2100 |
| Oct 28, 2021 | $0.2100 |
| Jul 29, 2021 | $0.2100 |
| Apr 29, 2021 | $0.2100 |
| Jan 28, 2021 | $0.2100 |