Ohio Valley Banc Corp. (OVBC)

Ohio Valley Banc Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Interest Income	53.33	48.8	46.03	44.78	41.01	39.98
Net Interest Income Growth	16.32%	6.03%	2.79%	9.18%	2.58%	-7.13%
Non-Interest Income	12.59	13.17	12.63	10.16	9.86	11.44
Non-Interest Income Growth	6.08%	4.29%	24.28%	3.02%	-13.76%	24.79%
Revenues Before Loan Losses	65.92	61.98	58.66	54.94	50.88	51.42
Provision for Credit Losses	3.1	2.47	2.09	-0.03	-0.42	2.98
Revenue	62.82	59.51	56.57	54.97	51.3	48.44
Revenue Growth (YoY)	13.79%	5.20%	2.90%	7.17%	5.90%	-5.42%
Compensation Expenses	27.64	27.78	23.39	21.62	21.65	21.64
Selling, General & Admin	8.43	8.05	8.12	8	6.67	5.76
Other Non-Interest Expenses	10.32	10.3	9.85	9.43	8.96	8.74
Total Non-Interest Expense	46.39	46.13	41.37	39.04	37.28	36.13
Pretax Income	17.1	13.38	15.2	15.93	14.02	12.31
Provision for Income Taxes	3.25	2.38	2.57	2.59	2.28	2.05
Net Income	13.85	11	12.63	13.34	11.73	10.26
Net Income to Common	13.85	11	12.63	13.34	11.73	10.26
Net Income Growth	23.23%	-12.92%	-5.30%	13.69%	14.36%	3.55%
Shares Outstanding (Basic)	5	5	5	5	5	5
Shares Outstanding (Diluted)	5	5	5	5	5	5
Shares Change (YoY)	-1.21%	-0.79%	0.11%	-0.24%	-0.14%	0.42%
EPS (Basic)	2.94	2.32	2.65	2.80	2.45	2.14
EPS (Diluted)	2.94	2.32	2.65	2.80	2.45	2.14
EPS Growth	24.58%	-12.45%	-5.36%	14.29%	14.49%	2.89%
Free Cash Flow	12.08	11.66	18.06	14	12.1	12.49
Free Cash Flow Growth	3.57%	-35.41%	28.97%	15.70%	-3.11%	46.59%
Free Cash Flow Per Share	2.56	2.46	3.78	2.94	2.53	2.61
Dividends Per Share	0.890	0.880	0.870	0.840	0.840	0.840
Dividend Growth	1.14%	1.15%	3.57%	-	-	-
Profit Margin	22.05%	18.48%	22.33%	24.26%	22.87%	21.18%
FCF Margin	19.23%	19.60%	31.92%	25.47%	23.59%	25.79%
EBITDA	0	0.3	1.16	1.73	2.43	1.95
EBITDA Margin	0.00%	0.51%	2.06%	3.14%	4.73%	4.02%
Effective Tax Rate	19.01%	17.77%	16.89%	16.28%	16.30%	16.64%

Updated Jun 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q