Ohio Valley Banc Corp. Announces Third Quarter Financial Results
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 27 2025
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Should l Buy OVBC?
Source: Newsfilter
Financial Performance: Ohio Valley Banc Corp. reported a consolidated net income of $3,030,000 for Q3 2025, an 11.4% increase from the previous year, with earnings per share rising to $0.64. For the first nine months of 2025, net income reached $11,646,000, a 37.3% increase year-over-year.
Net Interest Income Growth: The company experienced significant growth in net interest income, increasing by $2,016,000 for Q3 and $6,538,000 for the first nine months of 2025, attributed to higher average earning assets and improved net interest margins.
Loan and Deposit Trends: Total loans increased by $69 million, primarily in commercial and residential real estate, while consumer loans decreased as the company shifted focus. Total deposits also rose by $57 million, driven by time deposits and the Ohio Homebuyer Plus program.
Noninterest Income and Expenses: Noninterest income decreased due to losses on securities sales, while noninterest expenses saw a modest increase, primarily from data processing and marketing costs, despite a reduction in salaries and employee benefits.
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Analyst Views on OVBC
About OVBC
Ohio Valley Banc Corp. is a financial holding company, which owns The Ohio Valley Bank Company (the Bank). The Bank is engaged in commercial and retail banking. The Bank is a full-service financial institution offering a blend of commercial and consumer banking services within southeastern Ohio as well as western West Virginia. The banking services offered by the Bank include the acceptance of deposits in checking, savings, time and money market accounts; the making and servicing of personal and commercial loans; and the making of construction and real estate loans. The Bank offers individual retirement accounts, safe deposit boxes, wire transfers and other standard banking products and services. As part of its lending function, the Bank offers credit card services. In addition to originating loans, the Bank invests in United States government and agency obligations, interest-bearing deposits in other financial institutions, and other investments permitted by applicable law.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Ohio Valley Banc Corp Reports Q4 Earnings
- Earnings Per Share: Ohio Valley Banc Corp reported a GAAP EPS of $0.84 for Q4, indicating a level of profitability despite market challenges.
- Revenue Decline: The reported revenue of $16.2 million reflects a 4.6% year-over-year decrease, highlighting pressure on revenue growth in a competitive market environment.
- Impact of Non-Recurring Items: Despite the influence of non-recurring items, Ohio Valley Banc demonstrates strong financial resilience, suggesting stability in its core operations.
- Investor Attention: Seeking Alpha's Quant Rating on Ohio Valley indicates market interest in its future performance, prompting investors to closely monitor subsequent developments.
See More
Ohio Valley Banc Corp Reports Record Earnings for 2025
- Net Income Surge: For Q4 2025, Ohio Valley Banc Corp reported net income of $3.955 million, an increase of $1.44 million or 57.3% year-over-year, indicating strong market performance and enhanced profitability.
- Earnings Per Share Growth: The earnings per share for Q4 2025 reached $0.84, significantly up from $0.53 in the same quarter of 2024, reflecting the company's successful efforts in enhancing shareholder value.
- Loan and Asset Expansion: As of December 31, 2025, loan balances increased by $134 million, or 12.6%, primarily driven by strong demand in commercial real estate and industrial loans, demonstrating the company's strategic focus on high-margin sectors.
- Improved Net Interest Margin: The net interest margin for Q4 2025 was 4.18%, up from 3.70% in Q4 2024, showcasing the company's effective strategies in reducing funding costs and increasing asset yields.
See More
Ohio Valley Banc Corp Reports Record Earnings for 2025
- Net Income Surge: In Q4 2025, Ohio Valley Banc Corp reported net income of $3.955 million, a $1.44 million increase or 57.3% year-over-year, indicating strong performance amidst economic recovery and boosting shareholder confidence.
- Earnings Per Share Growth: The earnings per share for 2025 reached $3.31, up 41.8% from $2.32 in 2024, reflecting a significant enhancement in profitability that is likely to attract more investor interest.
- Loan and Asset Expansion: As of December 31, 2025, loan balances increased by $134 million, or 12.6%, primarily driven by growth in commercial real estate and industrial loans, indicating a strategic focus on high-margin segments.
- Improved Net Interest Margin: The net interest margin for Q4 2025 was 4.18%, up from 3.70% in Q4 2024, demonstrating the company's ability to lower funding costs while enhancing asset yields, thereby strengthening future profitability prospects.
See More
Ohio Valley Banc Corp Reports $4 Million Net Income in Q4
- Strong Quarterly Performance: Ohio Valley Banc Corp reported a net income of $4 million in Q4, with earnings per share of 84 cents, demonstrating the company's stability in the economic environment and boosting investor confidence.
- Revenue Exceeds Expectations: The bank's total revenue for Q4 was $23.6 million, with net revenue after interest expense at $16.2 million, surpassing market forecasts and indicating improved operational efficiency and competitive strength.
- Annual Profit Growth: The company reported an annual profit of $15.6 million, or $3.31 per share, reflecting robust growth over the past year and further solidifying its position in the regional market.
- Overall Revenue Performance: Total annual revenue reached $66.7 million, showcasing the company's success in diversifying its revenue streams and indicating potential for sustainable growth in the future.
See More
Ohio Valley Banc Corp. Declares $0.23 Cash Dividend Per Share
- Dividend Declaration: Ohio Valley Banc Corp.'s Board of Directors has declared a cash dividend of $0.23 per common share, payable on February 10, 2026, to shareholders of record as of January 23, 2026, indicating the company's confidence in its financial stability moving forward.
- Shareholder Return Strategy: This dividend reflects the company's commitment to rewarding shareholders despite the challenges and opportunities of the new year, enhancing investor confidence and attracting further investment.
- Community Mission Commitment: Chairman Tom Wiseman emphasized that the company will continue to pursue its Community First mission, positively impacting the areas it serves, demonstrating its dedication to social responsibility.
- Business Expansion Context: Ohio Valley Banc Corp. operates 18 branches in Ohio and West Virginia, along with six consumer finance offices, showcasing its solid position in the regional market and ongoing growth potential.
See More
Ohio Valley Banc Corp. Declares $0.23 Cash Dividend Per Share
- Dividend Declaration: Ohio Valley Banc Corp.'s Board of Directors has declared a cash dividend of $0.23 per common share, payable on February 10, 2026, to shareholders of record as of January 23, 2026, reflecting the company's confidence and stable financial position.
- Community Commitment: Chairman Tom Wiseman emphasized that despite challenges, the company will continue its Community First mission, positively impacting the areas it serves, showcasing its dedication to social responsibility.
- Business Presence: Based in Gallipolis, Ohio, Ohio Valley Banc Corp. operates 18 offices and six consumer finance offices, demonstrating a strong market presence in Ohio and West Virginia.
- 2026 Outlook: As the new year begins, the company looks forward to 2026, aiming to seize new opportunities, with the dividend decision reflecting confidence in future growth and a commitment to enhancing shareholder returns.
See More
Ohio Valley Banc Corp Reports Q4 Earnings
- Earnings Per Share: Ohio Valley Banc Corp reported a GAAP EPS of $0.84 for Q4, indicating a level of profitability despite market challenges.
- Revenue Decline: The reported revenue of $16.2 million reflects a 4.6% year-over-year decrease, highlighting pressure on revenue growth in a competitive market environment.
- Impact of Non-Recurring Items: Despite the influence of non-recurring items, Ohio Valley Banc demonstrates strong financial resilience, suggesting stability in its core operations.
- Investor Attention: Seeking Alpha's Quant Rating on Ohio Valley indicates market interest in its future performance, prompting investors to closely monitor subsequent developments.
See More
Ohio Valley Banc Corp Reports Record Earnings for 2025
- Net Income Surge: For Q4 2025, Ohio Valley Banc Corp reported net income of $3.955 million, an increase of $1.44 million or 57.3% year-over-year, indicating strong market performance and enhanced profitability.
- Earnings Per Share Growth: The earnings per share for Q4 2025 reached $0.84, significantly up from $0.53 in the same quarter of 2024, reflecting the company's successful efforts in enhancing shareholder value.
- Loan and Asset Expansion: As of December 31, 2025, loan balances increased by $134 million, or 12.6%, primarily driven by strong demand in commercial real estate and industrial loans, demonstrating the company's strategic focus on high-margin sectors.
- Improved Net Interest Margin: The net interest margin for Q4 2025 was 4.18%, up from 3.70% in Q4 2024, showcasing the company's effective strategies in reducing funding costs and increasing asset yields.
See More
Ohio Valley Banc Corp Reports Record Earnings for 2025
- Net Income Surge: In Q4 2025, Ohio Valley Banc Corp reported net income of $3.955 million, a $1.44 million increase or 57.3% year-over-year, indicating strong performance amidst economic recovery and boosting shareholder confidence.
- Earnings Per Share Growth: The earnings per share for 2025 reached $3.31, up 41.8% from $2.32 in 2024, reflecting a significant enhancement in profitability that is likely to attract more investor interest.
- Loan and Asset Expansion: As of December 31, 2025, loan balances increased by $134 million, or 12.6%, primarily driven by growth in commercial real estate and industrial loans, indicating a strategic focus on high-margin segments.
- Improved Net Interest Margin: The net interest margin for Q4 2025 was 4.18%, up from 3.70% in Q4 2024, demonstrating the company's ability to lower funding costs while enhancing asset yields, thereby strengthening future profitability prospects.
See More
Ohio Valley Banc Corp Reports $4 Million Net Income in Q4
- Strong Quarterly Performance: Ohio Valley Banc Corp reported a net income of $4 million in Q4, with earnings per share of 84 cents, demonstrating the company's stability in the economic environment and boosting investor confidence.
- Revenue Exceeds Expectations: The bank's total revenue for Q4 was $23.6 million, with net revenue after interest expense at $16.2 million, surpassing market forecasts and indicating improved operational efficiency and competitive strength.
- Annual Profit Growth: The company reported an annual profit of $15.6 million, or $3.31 per share, reflecting robust growth over the past year and further solidifying its position in the regional market.
- Overall Revenue Performance: Total annual revenue reached $66.7 million, showcasing the company's success in diversifying its revenue streams and indicating potential for sustainable growth in the future.
See More
Ohio Valley Banc Corp. Declares $0.23 Cash Dividend Per Share
- Dividend Declaration: Ohio Valley Banc Corp.'s Board of Directors has declared a cash dividend of $0.23 per common share, payable on February 10, 2026, to shareholders of record as of January 23, 2026, indicating the company's confidence in its financial stability moving forward.
- Shareholder Return Strategy: This dividend reflects the company's commitment to rewarding shareholders despite the challenges and opportunities of the new year, enhancing investor confidence and attracting further investment.
- Community Mission Commitment: Chairman Tom Wiseman emphasized that the company will continue to pursue its Community First mission, positively impacting the areas it serves, demonstrating its dedication to social responsibility.
- Business Expansion Context: Ohio Valley Banc Corp. operates 18 branches in Ohio and West Virginia, along with six consumer finance offices, showcasing its solid position in the regional market and ongoing growth potential.
See More
Ohio Valley Banc Corp. Declares $0.23 Cash Dividend Per Share
- Dividend Declaration: Ohio Valley Banc Corp.'s Board of Directors has declared a cash dividend of $0.23 per common share, payable on February 10, 2026, to shareholders of record as of January 23, 2026, reflecting the company's confidence and stable financial position.
- Community Commitment: Chairman Tom Wiseman emphasized that despite challenges, the company will continue its Community First mission, positively impacting the areas it serves, showcasing its dedication to social responsibility.
- Business Presence: Based in Gallipolis, Ohio, Ohio Valley Banc Corp. operates 18 offices and six consumer finance offices, demonstrating a strong market presence in Ohio and West Virginia.
- 2026 Outlook: As the new year begins, the company looks forward to 2026, aiming to seize new opportunities, with the dividend decision reflecting confidence in future growth and a commitment to enhancing shareholder returns.
See More
