Welcome to our dedicated page for Ohio Valley Banc SEC filings (Ticker: OVBC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Ohio Valley Banc Corp (OVBC) files a range of documents with the U.S. Securities and Exchange Commission that provide detailed insight into its operations as a financial holding company based in Gallipolis, Ohio. This SEC filings page brings those disclosures together and pairs them with AI-generated summaries to help readers interpret the information more efficiently.
For Ohio Valley Banc Corp, periodic reports such as the annual report on Form 10-K and quarterly reports on Form 10-Q typically include discussions of net interest income, net interest margin, loan portfolio composition, deposit funding, provision for credit losses, noninterest income, and noninterest expense. These filings also describe trends in commercial real estate, commercial and industrial, residential real estate, and consumer lending, as well as participation in programs like Ohio Homebuyer Plus and related products such as the Sweet Home Ohio deposit account.
Current reports on Form 8-K, several of which are referenced in the provided data, disclose material events including quarterly earnings results, Board declarations of quarterly cash dividends on common shares, and changes to the company’s share repurchase program. Some 8-K filings also reference press releases announcing index inclusion, such as Ohio Valley Banc Corp’s addition to the Russell 3000 Index.
On this page, users can access these filings as they are made available through EDGAR, along with AI-powered explanations that highlight key figures, contextualize changes in earnings and capital management, and clarify technical sections. Filings related to insider transactions, such as Form 4, and proxy statements detailing governance and compensation matters can also be reviewed here to build a fuller picture of Ohio Valley Banc Corp’s regulatory and financial reporting history.
Ohio Valley Banc Corp reported an insider Form 4 filing by a director showing a disposition of 125 common shares on 12/11/2025 at $41.71 per share. Following this transaction, the reporting person beneficially owned 40,333 common shares directly and 243 common shares indirectly, noted as held "By Ira."
Ohio Valley Banc Corp. (OVBC) reported Q3 2025 results. Net income was $3.0 million (up from $2.7 million a year ago) and EPS was $0.64 (vs. $0.58). Net interest income rose to $14.6 million (from $12.6 million), while the provision for credit losses was $1.1 million (vs. $0.9 million). Noninterest results included a $1.2 million loss on the sale of securities. For the nine months, net income was $11.6 million and EPS $2.47.
Total assets were $1.57 billion, loans reached $1.131 billion, and deposits totaled $1.332 billion at September 30, 2025. The allowance for credit losses on loans was $11.4 million. Accumulated other comprehensive loss improved to $(4.8) million, reflecting higher valuations in the securities portfolio. The company paid a quarterly cash dividend of $0.23 per share. Shares outstanding were 4,711,001 as of November 13, 2025.
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. is extending its existing share repurchase program by one year, moving the expiration date from August 31, 2025 to August 31, 2026. The program authorizes the company to buy back up to $5,000,000 of its outstanding common stock. As of August 20, 2025, Ohio Valley Banc Corp. had already repurchased approximately $2,967,000 in common shares under this authorization, leaving capacity available for additional repurchases. Other than the new expiration date, the terms of the buyback program remain unchanged, and the Board of Directors may terminate or amend the program at any time before it expires.
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.