Ohio Valley Banc Corp (OVBC) Director Adds Shares Through DRIP on 08/11/2025

Rhea-AI Filing Summary

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.

Positive

• Director participated in the company’s DRIP, indicating continued alignment with shareholder value through reinvestment.
• Transactions are fully disclosed with transaction codes and ending beneficial ownership provided, supporting transparency.

Negative

• None.

Insights

Corporate Governance Expert

TL;DR: Director participation in the DRIP shows routine insider engagement but is not material to ownership control.

The filing documents routine non-derivative acquisitions through a dividend reinvestment plan. The transactions are small in absolute size (approximately 88.862 shares added at $34.9 each) and reflect reinvestment rather than an open-market acquisition. From a governance perspective, this is an ordinary insider action consistent with long-term ownership alignment, not a signal of significant corporate control change.

Securities Analyst

TL;DR: Small DRIP purchases by a director are informational but unlikely to move investor valuation.

The report lists two entries on 08/11/2025: a voluntary cash DRIP (code P) for 85.9599 shares and a J-code adjustment for 2.902 shares, both at $34.9, yielding an ending beneficial ownership of 529.2031 shares. These are administrative, non-derivative transactions tied to dividend reinvestment; they do not represent fresh capital investment or material insider accumulation that would typically affect market perception.

Insider Trade Summary

Net Buyer: 85.96 shares ($3,000)

Net Buy 2 txns

Insider Michael Seth Isaac

Role Director

Bought 85.96 shs ($3K)

Type	Security	Shares	Price	Value
Purchase	Common Shares	85.96	$34.90	$3K
Other	Common Shares	2.902	$34.90	$101.28

Holdings After Transaction: Common Shares — 526.301 shares (Direct)

Footnotes (1)

1. Voluntary Cash for DRIP. The ending balance differs from amounts previously reported due to shares acquired under a dividend reinvestment plan.

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Michael Seth Isaac

(Last) (First) (Middle)

420 3RD AVE

P.O. BOX 240

(Street)

GALLIPOLIS OH 45631-0240

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
OHIO VALLEY BANC CORP [ OVBC ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
08/11/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Shares	08/11/2025		P(1)		85.9599	A	$34.9	526.3011	D
Common Shares	08/11/2025		J(2)		2.902	A	$34.9	529.2031	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Voluntary Cash for DRIP.

2. The ending balance differs from amounts previously reported due to shares acquired under a dividend reinvestment plan.

	/s/ Danielle N Pugh, power of attorney	08/12/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transactions did OVBC director Michael Seth Isaac report on Form 4?

He reported two non-derivative transactions on 08/11/2025: a voluntary cash DRIP of 85.9599 shares at $34.9 (code P) and an adjustment of 2.902 shares at $34.9 (code J).

How many OVBC shares does Michael Seth Isaac beneficially own after the reported transactions?

The filing shows an ending beneficial ownership of 529.2031 shares following the transactions.

What does transaction code P and code J mean in this Form 4?

The filer explains code P as a voluntary cash purchase for DRIP and code J reflects shares acquired under the dividend reinvestment plan that affected the ending balance.

When was the Form 4 signed and filed for these OVBC transactions?

The signature by power of attorney is dated 08/12/2025, and the transactions are dated 08/11/2025.