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.
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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.