OVBC Research | Milton Maxwell

OVBC

Ohio Valley Banc Corp.

41.54

+0.00+0%

Dec 16, 4:00:00 PM EST

Upcoming Earnings

Report date

≈ Jan 22, 2026

Earnings Call Transcripts

This Quarter (Q4 '25)

No earnings call transcript available yet

Last Quarter (Q3 '25)

No earnings call transcript available

Key Stats

Market Cap

195.70M

P/E (TTM)

13.85

Basic EPS (TTM)

3.00

Dividend Yield

0.02%

Recent Filings

8-K

Quarterly dividend declared

10/21/25Oct 21, 2025

Ohio Valley Banc Corp. declared a quarterly cash dividend of $0.23 per share on October 21, 2025, payable November 10 to shareholders of record on October 31. This steady payout underscores the bank's reliable cash flow amid stable operations. Dividend hikes remain elusive.

8-K

OVBC extends buyback program

8/20/25Aug 20, 2025

Ohio Valley Banc Corp. extended its 2021 share repurchase program to August 31, 2026, keeping the $5 million authorization intact after buying back $2,967,000 so far. This move signals confidence in the bank's value amid steady operations. No other tweaks. The board can halt it anytime.

10-Q

Q2 FY2025 results

8/14/25Aug 14, 2025

Ohio Valley Banc Corp. posted solid Q2 FY2025 results, with net income jumping 41.7% year-over-year to $4.2M and $0.89 diluted EPS, up from $3.0M and $0.63, driven by 21.5% higher net interest income from loan and securities growth amid a 43 basis point margin expansion to 4.17%. Year-to-date, net income rose 49.4% to $8.6M and $1.83 EPS, with revenue up 19.5% y/y while provision expense climbed 67.8% to $1.6M due to loan expansion and elevated charge-offs. Loans grew 3.7% q/q to $1.1B, fueled by commercial real estate and industrial segments, yet nonperforming loans ticked down to 0.45% of total. Cash equivalents dipped to $54.6M with $111M FHLB availability bolstering liquidity; debt held steady at $45.7M. Balance sheet strength shines. But rising deposit competition could squeeze margins further.

8-K

Q2 earnings jump 41.7%

7/25/25Jul 25, 2025

Ohio Valley Banc Corp. reported Q2 2025 net income of $4.21 million, up 41.7% from last year, driven by net interest income surging $2.57 million on $122 million higher average earning assets and a net interest margin expanding to 4.17%. Loan growth hit $39 million year-to-date, fueled by commercial and real estate segments, while the Ohio Homebuyer Plus program boosted securities by $99 million in average balance. Provisions for credit losses rose to $1.15 million amid $58 million quarterly loan expansion and economic pressures. Strong income growth bolsters shareholder value, yet higher provisions signal credit risks.

8-K

Quarterly dividend declared

7/15/25Jul 15, 2025

Ohio Valley Banc Corp. declared a quarterly cash dividend of $0.23 per share on July 15, 2025, payable August 10 to shareholders of record July 25. This steady payout underscores the bank's reliable cash flow amid stable operations. Dividend maintained.

About

Ohio Valley Banc Corp. operates as the bank holding company for The Ohio Valley Bank Company that provides commercial and consumer banking products and services. The company operates in two segments, Banking and Consumer Finance. It accepts various deposit products, including checking, savings, time, and money market accounts, as well as individual retirement accounts, demand deposits, NOW accounts, and certificates of deposit. The company provides various residential real estate loans, including one-to four-family residential mortgages; commercial loans for securing equipment, inventory, stock, commercial real estate, and rental property; and consumer loans secured by automobiles, mobile homes, recreational vehicles, and other personal property, as well as personal loans, unsecured credit card receivables, floor plan and student loans, and construction loans. In addition, it offers safe deposit box, wire transfer, credit card, home equity loans, and Internet banking services; and financial management online services, such as cash management and news updates related to repossession auctions, current rates, and general bank news. Further, the company provides automatic teller machines (ATMs), consumer finance, seasonal tax preparation, commercial property, and various liability insurance services, as well as trust and online-only consumer direct mortgage services. The company owns and operates ATMs, including off-site ATMs. It operates offices in Ohio and West Virginia. The company was founded in 1872 and is based in Gallipolis, Ohio.

CEO

Mr. Larry E. Miller II

IPO

11/4/1994

Website

https://www.ovbc.com

Employees

271

Sector

Financial Services

Industry

Banks - Regional