Ohio Valley Banc Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	59.49	57.75	48.8	46.03	44.78	41.01
Net Interest Income Growth	17.22%	18.32%	6.03%	2.79%	9.18%	2.58%
Non-Interest Income	9.02	8.97	13.17	12.63	10.16	9.86
Non-Interest Income Growth	-31.10%	-31.90%	4.29%	24.28%	3.02%	-13.76%
Revenues Before Loan Losses	68.51	66.72	61.98	58.66	54.94	50.88
Provision for Credit Losses	4.26	3.05	2.47	2.09	-0.03	-0.42
Revenue	64.25	63.66	59.51	56.57	54.97	51.3
Revenue Growth (YoY)	4.12%	6.98%	5.20%	2.90%	7.17%	5.90%
Compensation Expenses	25.24	24.91	27.78	23.39	21.62	21.65
Selling, General & Admin	13.1	12.97	11.93	11.92	11.41	9.93
Other Non-Interest Expenses	6.4	6.34	6.42	6.06	6.02	5.71
Total Non-Interest Expense	44.69	44.21	46.13	41.37	39.04	37.28
Pretax Income	19.15	19.45	13.38	15.2	15.93	14.02
Provision for Income Taxes	3.66	3.85	2.38	2.57	2.59	2.28
Net Income	15.49	15.6	11	12.63	13.34	11.73
Net Income to Common	15.49	15.6	11	12.63	13.34	11.73
Net Income Growth	22.84%	41.84%	-12.92%	-5.30%	13.69%	14.36%
Shares Outstanding (Basic)	5	5	5	5	5	5
Shares Outstanding (Diluted)	5	5	5	5	5	5
Shares Change (YoY)	-0.15%	-0.55%	-0.79%	0.11%	-0.24%	-0.14%
EPS (Basic)	3.28	3.31	2.32	2.65	2.80	2.45
EPS (Diluted)	3.28	3.31	2.32	2.65	2.80	2.45
EPS Growth	22.39%	42.67%	-12.45%	-5.36%	14.29%	14.49%
Shares Outstanding	4.71	4.38	4.37	4.77	4.77	4.77
Free Cash Flow	23.71	17.05	11.66	18.06	14	12.1
Free Cash Flow Growth	39.09%	46.16%	-35.41%	28.97%	15.70%	33.86%
Free Cash Flow Per Share	5.03	3.62	2.46	3.78	2.94	2.53
Dividends Per Share	0.920	0.910	0.880	0.870	0.840	0.840
Dividend Growth	1.10%	3.41%	1.15%	3.57%	-	-
Profit Margin	24.11%	24.51%	18.48%	22.33%	24.26%	22.87%
FCF Margin	36.91%	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	19.11%	19.80%	17.77%	16.89%	16.28%	16.30%

Updated May 15, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q