Ohio Valley Banc Financials

OVBC

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Ohio Valley Banc (OVBC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 40/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Ohio Valley Banc's revenue grew 12.5% year-over-year to $85.2M, a solid pace of expansion. This earns a growth score of 54/100.

Leverage

Ohio Valley Banc has elevated debt relative to equity (D/E of 8.30), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Ohio Valley Banc converts 20.0% of revenue into free cash flow ($17.0M). This strong cash generation earns a score of 75/100.

Returns

Ohio Valley Banc's ROE of 9.2% shows moderate profitability relative to equity, earning a score of 31/100. This is up from 7.3% the prior year.

Piotroski F-Score Neutral

5/9

Ohio Valley Banc passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.16x

For every $1 of reported earnings, Ohio Valley Banc generates $1.16 in operating cash flow ($18.1M OCF vs $15.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$85.2M

YoY+12.5%

5Y CAGR+13.0%

10Y CAGR+8.9%

Ohio Valley Banc generated $85.2M in revenue in fiscal year 2025. This represents an increase of 12.5% from the prior year.

EBITDA

N/A

Net Income

$15.6M

YoY+41.8%

5Y CAGR+8.7%

10Y CAGR+6.2%

Ohio Valley Banc reported $15.6M in net income in fiscal year 2025. This represents an increase of 41.8% from the prior year.

EPS (Diluted)

N/A

Cash & Balance Sheet

Free Cash Flow

$17.0M

YoY+46.2%

5Y CAGR+13.5%

10Y CAGR+7.3%

Ohio Valley Banc generated $17.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 46.2% from the prior year.

Cash & Debt

$45.9M

YoY-44.8%

5Y CAGR-19.8%

10Y CAGR+0.1%

Ohio Valley Banc held $45.9M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.91

YoY+3.4%

5Y CAGR+1.6%

10Y CAGR+0.2%

Ohio Valley Banc paid $0.91 per share in dividends in fiscal year 2025. This represents an increase of 3.4% from the prior year.

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

18.3%

YoY+3.8pp

5Y CAGR-3.9pp

10Y CAGR-5.3pp

Ohio Valley Banc's net profit margin was 18.3% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.8 percentage points from the prior year.

Return on Equity

9.2%

YoY+1.8pp

5Y CAGR+1.6pp

10Y CAGR-0.3pp

Ohio Valley Banc's ROE was 9.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.8 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

YoY-100.0%

Ohio Valley Banc spent $0 on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the prior year.

Capital Expenditures

$1.0M

YoY-27.6%

5Y CAGR-21.4%

10Y CAGR-6.1%

Ohio Valley Banc invested $1.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 27.6% from the prior year.

OVBC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$85.2M+12.5%	$75.8M+22.5%	$61.9M+29.9%	$47.6M+6.5%	$44.7M-3.2%	$46.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$27.5M+2.0%	$27.0M+70.2%	$15.8M+458.1%	$2.8M-23.3%	$3.7M-40.3%	$6.2M
Income Tax	$3.9M+62.0%	$2.4M-7.4%	$2.6M-1.0%	$2.6M+13.6%	$2.3M+11.5%	$2.0M
Net Income	$15.6M+41.8%	$11.0M-12.9%	$12.6M-5.3%	$13.3M+13.7%	$11.7M+14.4%	$10.3M
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$22.9M+6.1%	$21.5M+2.4%	$21.0M+6.3%	$19.8M-1.1%	$20.0M+3.2%	$19.4M+4.0%	$18.7M+5.5%	$17.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$7.4M+6.2%	$7.0M+6.9%	$6.5M-2.3%	$6.7M-4.2%	$7.0M+1.9%	$6.8M+2.0%	$6.7M+3.0%	$6.5M
Income Tax	$1.0M+42.2%	$714K-26.8%	$976K-14.8%	$1.1M+107.6%	$552K-4.2%	$576K-11.1%	$648K+7.8%	$601K
Net Income	$4.0M+30.5%	$3.0M-28.0%	$4.2M-4.4%	$4.4M+75.2%	$2.5M-7.5%	$2.7M-8.5%	$3.0M+6.4%	$2.8M
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

OVBC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.6B+5.3%	$1.5B+11.2%	$1.4B+11.7%	$1.2B-3.1%	$1.2B+5.3%	$1.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$45.9M-44.8%	$83.1M-35.1%	$128.1M+178.6%	$46.0M-69.8%	$152.0M+9.9%	$138.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$7.3M0.0%	$7.3M0.0%	$7.3M0.0%	$7.3M0.0%	$7.3M0.0%	$7.3M
Total Liabilities	$1.4B+4.4%	$1.4B+12.0%	$1.2B+12.3%	$1.1B-2.9%	$1.1B+5.5%	$1.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$170.3M+13.3%	$150.3M+4.4%	$144.0M+8.4%	$132.8M-6.0%	$141.4M+3.7%	$136.3M
Retained Earnings	$133.0M+9.3%	$121.7M+5.9%	$114.9M+5.1%	$109.3M+8.6%	$100.7M+8.3%	$93.0M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$1.6B+0.8%	$1.6B+4.0%	$1.5B-0.2%	$1.5B+0.6%	$1.5B+0.6%	$1.5B+6.5%	$1.4B+2.2%	$1.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$45.9M-48.6%	$89.3M+63.5%	$54.6M-54.7%	$120.6M+45.1%	$83.1M+1.1%	$82.2M-23.7%	$107.7M-16.6%	$129.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$7.3M0.0%	$7.3M0.0%	$7.3M0.0%	$7.3M0.0%	$7.3M0.0%	$7.3M0.0%	$7.3M0.0%	$7.3M
Total Liabilities	$1.4B+0.5%	$1.4B+4.2%	$1.3B-0.6%	$1.4B+0.3%	$1.4B+0.8%	$1.3B+6.7%	$1.3B+2.5%	$1.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$170.3M+3.6%	$164.4M+2.3%	$160.8M+3.2%	$155.7M+3.6%	$150.3M-1.2%	$152.2M+4.4%	$145.8M0.0%	$145.8M
Retained Earnings	$133.0M+2.2%	$130.1M+1.5%	$128.2M+2.5%	$125.1M+2.8%	$121.7M+1.2%	$120.2M+1.4%	$118.5M+1.6%	$116.6M

OVBC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$18.1M+38.1%	$13.1M-36.9%	$20.7M+29.7%	$16.0M+21.3%	$13.2M+5.6%	$12.5M
Capital Expenditures	$1.0M-27.6%	$1.4M-46.7%	$2.7M+35.3%	$2.0M+83.2%	$1.1M-68.6%	$3.5M
Free Cash Flow	$17.0M+46.2%	$11.7M-35.4%	$18.1M+29.0%	$14.0M+15.7%	$12.1M+33.9%	$9.0M
Investing Cash Flow	-$110.6M+43.3%	-$195.2M-226.5%	-$59.8M+28.3%	-$83.4M-59.1%	-$52.4M+40.9%	-$88.7M
Financing Cash Flow	$55.3M-59.6%	$137.1M+13.1%	$121.2M+413.6%	-$38.6M-173.0%	$52.9M-67.3%	$162.1M
Dividends Paid	$4.3M+2.6%	$4.2M-14.2%	$4.9M+3.2%	$4.7M+17.5%	$4.0M-0.1%	$4.0M
Share Buybacks	$0-100.0%	$1.9M+2272.0%	$82K	$0-100.0%	$954K	$0

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$7.8M+46.8%	$5.3M+18.6%	$4.5M+802.8%	$496K-79.2%	$2.4M-57.3%	$5.6M+33.9%	$4.2M+350.4%	$928K
Capital Expenditures	$229K-32.8%	$341K+212.8%	$109K-69.6%	$358K+53.6%	$233K+27.3%	$183K-43.3%	$323K-53.5%	$694K
Free Cash Flow	$7.6M+52.2%	$5.0M+13.8%	$4.4M+3065.9%	$138K-93.6%	$2.2M-60.2%	$5.4M+40.4%	$3.9M+1548.3%	$234K
Investing Cash Flow	-$56.1M-132.8%	-$24.1M+60.3%	-$60.7M-300.0%	$30.4M+332.6%	-$13.0M+88.3%	-$111.9M-119.3%	-$51.0M-164.9%	-$19.3M
Financing Cash Flow	$4.9M-90.8%	$53.5M+648.4%	-$9.8M-246.6%	$6.7M-42.4%	$11.6M-85.7%	$80.8M+217.4%	$25.5M+32.1%	$19.3M
Dividends Paid	$1.1M0.0%	$1.1M-0.1%	$1.1M+4.5%	$1.0M+0.1%	$1.0M0.0%	$1.0M-1.8%	$1.1M+0.5%	$1.1M
Share Buybacks	$0	$0	N/A	N/A	$14K	$0	N/A	N/A

OVBC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	18.3%+3.8pp	14.5%-5.9pp	20.4%-7.6pp	28.0%+1.8pp	26.2%+4.0pp	22.2%
Return on Equity	9.2%+1.8pp	7.3%-1.4pp	8.8%-1.3pp	10.0%+1.7pp	8.3%+0.8pp	7.5%
Return on Assets	1.0%+0.3pp	0.7%-0.2pp	0.9%-0.2pp	1.1%+0.2pp	0.9%+0.1pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.30-0.7	9.00+0.6	8.39+0.3	8.10+0.3	7.84+0.1	7.71
FCF Margin	20.0%+4.6pp	15.4%-13.8pp	29.2%-0.2pp	29.4%+2.3pp	27.1%+7.5pp	19.6%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	17.3%+3.3pp	14.1%-5.9pp	20.0%-2.2pp	22.3%+9.7pp	12.6%-1.5pp	14.0%-1.9pp	15.9%+0.1pp	15.8%
Return on Equity	2.3%+0.5pp	1.8%-0.8pp	2.6%-0.2pp	2.8%+1.2pp	1.7%-0.1pp	1.8%-0.3pp	2.0%+0.1pp	1.9%
Return on Assets	0.3%+0.1pp	0.2%-0.1pp	0.3%0.0pp	0.3%+0.1pp	0.2%-0.0pp	0.2%-0.0pp	0.2%0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.30-0.3	8.55+0.2	8.40-0.3	8.72-0.3	9.00+0.2	8.82+0.2	8.63+0.2	8.42
FCF Margin	33.1%+10.0pp	23.1%+2.3pp	20.8%+20.1pp	0.7%-10.1pp	10.8%-17.1pp	27.9%+7.2pp	20.7%+19.4pp	1.3%

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Frequently Asked Questions

What is Ohio Valley Banc's annual revenue?

Ohio Valley Banc (OVBC) reported $85.2M in total revenue for fiscal year 2025. This represents a 12.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Ohio Valley Banc's revenue growing?

Ohio Valley Banc (OVBC) revenue grew by 12.5% year-over-year, from $75.8M to $85.2M in fiscal year 2025.

Is Ohio Valley Banc profitable?

Yes, Ohio Valley Banc (OVBC) reported a net income of $15.6M in fiscal year 2025, with a net profit margin of 18.3%.

What is Ohio Valley Banc's net profit margin?

Ohio Valley Banc (OVBC) had a net profit margin of 18.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Ohio Valley Banc pay dividends?

Yes, Ohio Valley Banc (OVBC) paid $0.91 per share in dividends during fiscal year 2025.

What is Ohio Valley Banc's return on equity (ROE)?

Ohio Valley Banc (OVBC) has a return on equity of 9.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Ohio Valley Banc's free cash flow?

Ohio Valley Banc (OVBC) generated $17.0M in free cash flow during fiscal year 2025. This represents a 46.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Ohio Valley Banc's operating cash flow?

Ohio Valley Banc (OVBC) generated $18.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Ohio Valley Banc's total assets?

Ohio Valley Banc (OVBC) had $1.6B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Ohio Valley Banc's capital expenditures?

Ohio Valley Banc (OVBC) invested $1.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

What is Ohio Valley Banc's debt-to-equity ratio?

Ohio Valley Banc (OVBC) had a debt-to-equity ratio of 8.30 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Ohio Valley Banc's return on assets (ROA)?

Ohio Valley Banc (OVBC) had a return on assets of 1.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Ohio Valley Banc's Piotroski F-Score?

Ohio Valley Banc (OVBC) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Ohio Valley Banc's earnings high quality?

Ohio Valley Banc (OVBC) has an earnings quality ratio of 1.16x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Ohio Valley Banc?

Ohio Valley Banc (OVBC) scores 40 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.