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	Jun '26 Jun 30, 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	60.36	57.75	48.8	46.03	44.78	41.01
Net Interest Income Growth	13.18%	18.32%	6.03%	2.79%	9.18%	2.58%
Non-Interest Income	8.98	8.97	13.17	12.63	10.16	9.86
Non-Interest Income Growth	-31.20%	-31.90%	4.29%	24.28%	3.02%	-13.76%
Revenues Before Loan Losses	69.34	66.72	61.98	58.66	54.94	50.88
Provision for Credit Losses	6.87	3.05	2.47	2.09	-0.03	-0.42
Revenue	62.47	63.66	59.51	56.57	54.97	51.3
Revenue Growth	-1.28%	6.98%	5.20%	2.90%	7.17%	5.90%
Compensation Expenses	25.6	24.91	27.78	23.39	21.62	21.65
Selling, General & Admin	12.68	12.97	11.93	11.92	11.41	9.93
Other Non-Interest Expenses	6.65	6.34	6.42	6.06	6.02	5.71
Total Non-Interest Expense	44.89	44.21	46.13	41.37	39.04	37.28
Pretax Income	17.55	19.45	13.38	15.2	15.93	14.02
Provision for Income Taxes	3.34	3.85	2.38	2.57	2.59	2.28
Net Income	14.21	15.6	11	12.63	13.34	11.73
Net Income to Common	14.21	15.6	11	12.63	13.34	11.73
Net Income Growth	2.59%	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	-	-0.55%	-0.79%	0.11%	-0.24%	-0.14%
EPS (Basic)	3.01	3.31	2.32	2.65	2.80	2.45
EPS (Diluted)	3.01	3.31	2.32	2.65	2.80	2.45
EPS Growth	2.38%	42.67%	-12.45%	-5.36%	14.29%	14.49%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
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	0.940	0.910	0.880	0.870	0.840	0.840
Dividend Growth	5.62%	3.41%	1.15%	3.57%	0%	0%
Profit Margin	22.75%	24.51%	18.48%	22.33%	24.26%	22.87%
FCF Margin	-	26.78%	19.60%	31.92%	25.47%	23.59%
Effective Tax Rate	19.04%	19.80%	17.77%	16.89%	16.28%	16.30%

SEC Filings: 10-K · 10-Q