Ohio Valley Banc Corp. (OVBC)

Ohio Valley Banc Cash Flow 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 Income	15.6	11	12.63	13.34	11.73
Depreciation & Amortization	1.7	1.74	1.64	1.57	1.61
Provision for Credit Losses	3.05	2.47	2.09	-0.03	-0.42
Stock-Based Compensation	-	0.5	0.13	0.58	-
Net Change in Loans Held-for-Sale	-0.21	-0.21	-0.23	-0.07	-0.09
Other Adjustments	-1.08	-3.55	-2.06	1.1	0.87
Changes in Accrued Interest and Accounts Receivable	-0.67	-1.2	-0.49	-0.42	0.62
Changes in Other Operating Activities	-0.32	2.35	7.04	-0.07	-1.14
Operating Cash Flow	18.09	13.1	20.75	15.99	13.19
Operating Cash Flow Growth	38.09%	-36.87%	29.75%	21.26%	5.57%
Net Change in Loans Held-for-Investment	-133.71	-91	-87.48	-55.03	17.18
Net Change in Securities and Investments	24.21	-102.26	30.37	-25.53	-68.61
Capital Expenditures	-1.04	-1.43	-2.69	-1.99	-1.09
Sale of Property, Plant & Equipment	0.2	0.03	0.22	0.42	0.49
Other Investing Activities	-0.27	-0.53	-0.21	-1.26	-0.38
Investing Cash Flow	-110.61	-195.18	-59.79	-83.39	-52.4
Net Change in Deposits	54.49	148.04	99.48	-32.25	66.17
Net Short-Term Debt Issued (Repaid)	0.1	0.11	0.02	0.24	-1.06
Long-Term Debt Issued	10	0	30	0	0.6
Long-Term Debt Repaid	-4.99	-4.96	-3.37	-1.91	-7.79
Net Long-Term Debt Issued (Repaid)	5.01	-4.96	26.63	-1.91	-7.19
Repurchase of Common Stock	-	-1.95	-0.08	-	-0.95
Net Common Stock Issued (Repurchased)	-	-1.95	-0.08	-	-0.95
Common Dividends Paid	-4.29	-4.18	-4.87	-4.72	-4.02
Financing Cash Flow	55.31	137.07	121.18	-38.64	52.95
Net Cash Flow	-37.21	-45.02	82.14	-106.04	13.73
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%
FCF Margin	26.78%	19.60%	31.92%	25.47%	23.59%
Free Cash Flow Per Share	3.62	2.46	3.78	2.94	2.53
Levered Free Cash Flow	20.39	7.6	44.78	10.77	3.49
Unlevered Free Cash Flow	-0.32	1.46	5.5	-0.9	0.01

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

SEC Filings: 10-K · 10-Q