Ohio Valley Banc SEC Filings

Ohio Valley Banc Corp (OVBC) director reported multiple share acquisitions on 11/12/2025. The filing shows a purchase of 41.958 common shares at $35.75, and additional acquisitions tied to the dividend reinvestment plan, including 56.1636 shares and fractional credits of 0.2456 share into three custodial accounts for family members.

Following these transactions, the director’s direct holdings were 8,827.9215 shares. Indirect holdings in each custodial account were 38.4084 shares. Notes state the ending balances differ due to shares acquired under a dividend reinvestment plan and include voluntary cash contributions for the DRIP.

Ohio Valley Banc Corp (OVBC) reported an insider transaction on a Form 4. A director acquired common shares on 11/12/2025 via two entries: 83.9161 shares coded “P” at $35.75 and 3.4047 shares coded “J” at $35.75. Following these transactions, the director directly owned 616.5239 common shares.

The filing notes “Voluntary Cash for DRIP,” and explains the ending balance differs due to shares acquired under a dividend reinvestment plan.

Ohio Valley Banc Corp. (OVBC) reported stronger profitability. For the quarter ended September 30, 2025, net income was $3.03 million, up 11.4% year over year, and EPS was $0.64 versus $0.58. For the first nine months of 2025, net income reached $11.65 million, up 37.3%, with EPS of $2.47 versus $1.79.

Results were driven by higher net interest income and an improved net interest margin. Net interest income rose $2.02 million in Q3 and $6.54 million year to date, as average earning assets expanded and the margin increased to 4.05% in Q3 (from 3.76%) and 4.03% year to date (from 3.71%). The company realized a $1.219 million loss on securities sales, reinvesting $11.0 million from 1.32% yields into 4.37% yields to support future interest income.

Credit costs rose with a $1.112 million Q3 provision and $2.676 million year to date, tied to loan growth and charge-offs, while asset quality stayed stable: nonperforming loans were 0.42% of total loans. Total assets were $1.57 billion, loans increased $69 million since year end, deposits rose $57 million, and shareholders’ equity improved by $14.1 million, aided by earnings and higher accumulated other comprehensive income.

Ohio Valley Banc Corp reported stronger profitability for the quarter ended June 30, 2025, recording net income of $4.21 million versus $2.97 million a year earlier and earnings per share of $0.89 versus $0.63. The improvement was driven largely by higher net interest income of $14.54 million compared with $11.96 million, supported by loan growth to $1.101 billion and higher taxable securities income.

Credit provisions rose meaningfully, with a provision for credit losses of $1.15 million this quarter and an allowance for credit losses of $10.856 million. Liquidity metrics shifted as cash and cash equivalents declined to $54.63 million from $83.11 million at year-end, while total deposits remained essentially stable at $1.277 billion. Shareholders' equity strengthened to $160.76 million, aided by a $2.46 million unrealized gain on available-for-sale securities that improved other comprehensive income.

Insider purchases via DRIP at Ohio Valley Banc Corp (OVBC) — Director Michael Seth Isaac reported two non-derivative transactions on 08/11/2025 related to the company’s dividend reinvestment plan. A voluntary cash DRIP purchase (code P) added 85.9599 shares at $34.9, and an adjustment (code J) reflecting shares from dividend reinvestment added 2.902 shares at $34.9. Following these entries, Mr. Isaac beneficially owned 529.2031 shares in total. The filing was signed by a power of attorney on 08/12/2025 and includes an explanation that the ending balance differs due to shares acquired under the DRIP.

Anna P. Barnitz, a director of Ohio Valley Banc Corp (OVBC), reported multiple small acquisitions of common shares on 08/11/2025. The transactions include purchases under a dividend reinvestment plan (code J) and a voluntary cash DRIP contribution (code P) at a reported price of $34.90 per share.

The filing lists direct acquisitions of 42.9799 and 56.8737 shares, and three small custodial fractional acquisitions of 0.2499 shares each for custodial accounts (daughter and two sons). Following the reported transactions, direct beneficial ownership is shown as 8,729.7999 shares and the custodial accounts show 38.1628 shares each.

Ohio Valley Banc Corp. (OVBC) posted strong Q2-25 results. Net income rose 42% YoY to $4.2 m, lifting EPS to $0.89 from $0.63. Six-month net income climbed 50% to $8.6 m ($1.83 EPS). Return on average assets improved to 1.16% and ROE to 11.30% for the half, reflecting a 33 bp expansion in net-interest margin to 4.01%.

Margin & balance-sheet drivers. Net-interest income expanded $2.6 m in Q2 and $4.5 m YTD, aided by a $122 m increase in average earning assets and richer asset mix. Participation in Ohio’s Homebuyer Plus program generated $77 m of low-cost public deposits, allowing deployment into higher-yielding securities and loans. Loans grew $39 m YTD (+$58 m in Q2) in commercial real estate, C&I and residential segments; consumer loans continued to run off. Noninterest expense was contained (+1.2% YTD) despite higher data-processing and marketing spend, benefiting from 2024’s early-retirement program.

Credit & capital. Provision for credit losses rose to $1.6 m YTD on loan growth and softer macro forecasts, but asset quality remained stable: NPL ratio 0.45% and ACL 0.99% of loans. Book value per share advanced to $34.12, while tangible equity gained $10.4 m after dividends of $0.45 per share.