Ohio Valley Banc Corp. (OVBC)

Ohio Valley Banc Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	57.75	48.8	46.03	44.78	41.01
Net Interest Income Growth	18.32%	6.03%	2.79%	9.18%	2.58%
Non-Interest Income	8.97	13.17	12.63	10.16	9.86
Non-Interest Income Growth	-31.90%	4.29%	24.28%	3.02%	-13.76%
Revenues Before Loan Losses	66.72	61.98	58.66	54.94	50.88
Provision for Credit Losses	3.05	2.47	2.09	-0.03	-0.42
Revenue	63.66	59.51	56.57	54.97	51.3
Revenue Growth (YoY)	6.98%	5.20%	2.90%	7.17%	5.90%
Compensation Expenses	24.91	27.78	23.39	21.62	21.65
Selling, General & Admin	12.97	11.93	11.92	11.41	9.93
Other Non-Interest Expenses	6.34	6.42	6.06	6.02	5.71
Total Non-Interest Expense	44.21	46.13	41.37	39.04	37.28
Pretax Income	19.45	13.38	15.2	15.93	14.02
Provision for Income Taxes	3.85	2.38	2.57	2.59	2.28
Net Income	15.6	11	12.63	13.34	11.73
Net Income to Common	15.6	11	12.63	13.34	11.73
Net Income Growth	41.84%	-12.92%	-5.30%	13.69%	14.36%
Shares Outstanding (Basic)	5	5	5	5	5
Shares Outstanding (Diluted)	5	5	5	5	5
Shares Change (YoY)	-0.55%	-0.79%	0.11%	-0.24%	-0.14%
EPS (Basic)	3.31	2.32	2.65	2.80	2.45
EPS (Diluted)	3.31	2.32	2.65	2.80	2.45
EPS Growth	42.67%	-12.45%	-5.36%	14.29%	14.49%
Free Cash Flow	17.05	11.66	18.06	14	12.1
Free Cash Flow Growth	46.16%	-35.41%	28.97%	15.70%	33.86%
Free Cash Flow Per Share	3.62	2.46	3.78	2.94	2.53
Dividends Per Share	0.910	0.880	0.870	0.840	0.840
Dividend Growth	3.41%	1.15%	3.57%	-	-
Profit Margin	24.51%	18.48%	22.33%	24.26%	22.87%
FCF Margin	26.78%	19.60%	31.92%	25.47%	23.59%
EBITDA	1.7	1.74	1.64	1.57	1.61
EBITDA Margin	2.68%	2.92%	2.89%	2.86%	3.14%
Effective Tax Rate	19.80%	17.77%	16.89%	16.28%	16.30%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q