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as of 03-13-2026 9:33am EST
Ohio Valley Banc Corporation is a financial holding company. 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, commercial, and student loans; and the making of construction and real estate loans. It also offers individual retirement accounts, safe deposit boxes, wire transfers and other standard banking products and services.
| Founded: | 1872 | Country: | United States |
| Employees: | N/A | City: | GALLIPOLIS |
| Market Cap: | 188.7M | IPO Year: | 1996 |
| Target Price: | N/A | AVG Volume (30 days): | 9.7K |
| Analyst Decision: | N/A | Number of Analysts: | N/A |
| Dividend Yield: | Dividend Payout Frequency: | quarterly | |
| EPS: | 2.47 | EPS Growth: | -12.45 |
| 52 Week Low/High: | $25.75 - $44.80 | Next Earning Date: | 04-28-2026 |
| Revenue: | N/A | Revenue Growth: | N/A |
| Revenue Growth (this year): | N/A | Revenue Growth (next year): | N/A |
| P/E Ratio: | 16.83 | Index: | N/A |
| Free Cash Flow: | 11.7M | FCF Growth: | N/A |
Stock Insider Trading Activity of Ohio Valley Banc Corp. (OVBC)
Director
Avg Cost/Share
$42.81
Shares
69
Total Value
$2,969.51
Owned After
685.889
SEC Form 4
Director
Avg Cost/Share
$42.81
Shares
34
Total Value
$1,484.75
Owned After
8,862.604
SEC Form 4
| Insider | Ticker | Relationship | Date | Transaction | Avg Cost | Shares | Total Value | Owned After | SEC Forms |
|---|---|---|---|---|---|---|---|---|---|
| Michael Seth Isaac | OVBC | Director | Feb 13, 2026 | Buy | $42.81 | 69 | $2,969.51 | 685.889 | |
| BARNITZ ANNA P | OVBC | Director | Feb 13, 2026 | Buy | $42.81 | 34 | $1,484.75 | 8,862.604 |
Earnings Transcripts
SEC 8-K filings with transcript text
2025 Q4 Q4 2025 Earnings
8-K BUY Jan 27, 2026 · 100% conf.
Q4 2025 Earnings
8-K BUYJan 27, 2026 · 100% conf.
1D
+0.13%
$41.11
Act: -0.02%
5D
+1.95%
$41.86
Act: +1.83%
20D
+4.32%
$42.83
Act: +6.92%
false000089467100008946712026-01-272026-01-27
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of Earliest Event Reported): January 27, 2026
OHIO VALLEY BANC CORP.
(Exact Name of Registrant as Specified in Its Charter)
000-20914
(Commission File Number)
Ohio
31-1359191
(State or Other Jurisdiction of Incorporation)
(I.R.S. Employer Identification No.)
420 THIRD AVENUE, PO BOX 240
GALLIPOLIS, Ohio 45631
(Address of principal executive offices, including zip code)
(740) 446-2631
(Registrant’s telephone number, including area code)
NOT APPLICABLE
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading
Symbol(s)
Name of each exchange on which registered
Common Shares, without par value
OVBC
NASDAQ
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter):
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Section 2 – Financial Information
Item 2.02. Results of Operations and Financial Condition
GALLIPOLIS, Ohio - Ohio Valley Banc Corp. [Nasdaq: OVBC] (the “Company”) reported consolidated net income for the quarter ended December 31, 2025, of $3,955,000, an increase of $1,440,000, or 57.3%, from the same period the prior year. Earnings per share for the fourth quarter of 2025 were $.84 compared to $.53 for the prior year fourth quarter. For the year ended December 31, 2025, net income totaled $15,601,000, an increase of $4,602,000, or 41.8%, from the same period the prior year. Earnings per share were $3.31 for 2025 versus $2.32 for 2024. Return on average assets and return on average equity were 1.02% and 9.83%, respectively, for the year ended December 31, 2025, compared to .77% and 7.50%, respectively, for the same period in the prior year.
Ohio Valley Banc Corp. President and CEO, Larry Miller said, “As we anticipate the celebration of America’s 250th birthday, your Company has reason to celebrate: the achievement of record earnings in our 153rd year in business! These results reflect the dedication of our employees to serving our customers while enhancing shareholder value and remaining rock-solid in their commitment to our Community First mission. None of this would be possible without the continued loyalty and support of our shareholders. We extend our sincere thanks to our shareholders for their continued support as we celebrate this historic milestone for both our company and our country.”
For the three months ended December 31, 2025, net interest income increased $2,403,000, and for the year ended December 31, 2025, net interest income increased $8,941,000 from the same respective periods last year. These increases were related to the increase in both average earning assets and the net interest margin for the respective periods. For the year ended December 31, 2025, average earning assets increased $103 million from the same period last year, led by the $75 million growth in average loans and the $53 million growth in average securities. The growth in average loans was related to the commercial real estate, commercial and industrial, and residential real estate lending segments. The growth in these segments was partially offset by a decrease in consumer loans, as this segment was deemphasized by the Company starting in 2024 to focus on more profitable portfolio segments. The growth in average securities was related to the Company participating in a program offered by the Ohio Treasurer called Ohio Homebuyer Plus starting in the third quarter of 2024. As a participant in the program, the Company developed the Sweet Home Ohio deposit account to offer participants an above-market interest rate along with a deposit bonus to assist customers in achieving their home savings goals. At December 31, 2025, the balance of Sweet Home Ohio accounts totaled $9.5 million, as compared to $6.8 mi
2025 Q3 Q3 2025 Earnings
8-K Oct 27, 2025
Q3 2025 Earnings
8-KOct 27, 2025
false000089467100008946712025-10-272025-10-27
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of Earliest Event Reported): October 27, 2025
OHIO VALLEY BANC CORP.
(Exact Name of Registrant as Specified in Its Charter)
000-20914
(Commission File Number)
Ohio
31-1359191
(State or Other Jurisdiction of Incorporation)
(I.R.S. Employer Identification No.)
420 THIRD AVENUE, PO BOX 240
GALLIPOLIS, Ohio 45631
(Address of principal executive offices, including zip code)
(740) 446-2631
(Registrant’s telephone number, including area code)
NOT APPLICABLE
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading
Symbol(s)
Name of each exchange on which registered
Common Shares, without par value
OVBC
NASDAQ
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter):
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Section 2 – Financial Information
Item 2.02. Results of Operations and Financial Condition
GALLIPOLIS, Ohio - Ohio Valley Banc Corp. [Nasdaq: OVBC] (the “Company”) reported consolidated net income for the quarter ended September 30, 2025, of $3,030,000, an increase of $311,000, or 11.4%, from the same period the prior year. Earnings per share for the third quarter of 2025 were $.64 compared to $.58 for the prior year third quarter. For the nine months ended September 30, 2025, net income totaled $11,646,000, an increase of $3,162,000, or 37.3%, from the same period the prior year. Earnings per share were $2.47 for the first nine months of 2025 versus $1.79 for the first nine months of 2024. Return on average assets and return on average equity were 1.03% and 9.95%, respectively, for the first nine months of 2025, compared to .81% and 7.80%, respectively, for the same period in the prior year.
Ohio Valley Banc Corp. President and CEO, Larry Miller said, “The strong growth in net income afforded us the opportunity to harvest some losses in our securities portfolio, allowing us to plant the seeds for future interest income and net interest margin improvement. These robust results are a credit to the hard work and relationship building efforts of all our employees as we seek to enhance shareholder value.”
For the three months ended September 30, 2025, net interest income increased $2,016,000, and for the nine months ended September 30, 2025, net interest income increased $6,538,000 from the same respective periods last year. These increases were related to the increase in both average earning assets and the net interest margin for the respective periods. For the nine months ended September 30, 2025, average earning assets increased $114 million from the same period last year, led by the $75 million growth in average securities and the $65 million growth in average loans. The growth in average securities was related to the Company participating in a program offered by the Ohio Treasurer called Ohio Homebuyer Plus starting in the third quarter of 2024. As a participant in the program, the Company developed the Sweet Home Ohio deposit account to offer participants an above-market interest rate along with a deposit bonus to assist customers in achieving their home savings goals. At September 30, 2025, the balance of Sweet Home Ohio accounts totaled $9.0 million, as compared to $5.3 million at September 30, 2024. For each Sweet Home Ohio account that was opened, the Company received a deposit from the Ohio Treasurer at a subsidized interest rate. At September 30, 2025, the amount deposited by the Treasurer totaled $72.5 million, a decrease from $99.6 million at September 30, 2024. Since the Treasurer deposits are classified as public funds, which are required to be collateralized, the Company invested the funds in securities to be pledged as collateral to the Treasurer. The investment of these f
2025 Q2 Q2 2025 Earnings
8-K Jul 25, 2025
Q2 2025 Earnings
8-KJul 25, 2025
false000089467100008946712025-07-252025-07-25
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of Earliest Event Reported): July 25, 2025
OHIO VALLEY BANC CORP.
(Exact Name of Registrant as Specified in Its Charter)
000-20914
(Commission File Number)
Ohio
31-1359191
(State or Other Jurisdiction of Incorporation)
(I.R.S. Employer Identification No.)
420 THIRD AVENUE, PO BOX 240
GALLIPOLIS, Ohio 45631
(Address of principal executive offices, including zip code)
(740) 446-2631
(Registrant’s telephone number, including area code)
NOT APPLICABLE
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading
Symbol(s)
Name of each exchange on which registered
Common Shares, without par value
OVBC
NASDAQ
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter):
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Section 2 – Financial Information
Item 2.02. Results of Operations and Financial Condition
GALLIPOLIS, Ohio - Ohio Valley Banc Corp. [Nasdaq: OVBC] (the “Company”) reported consolidated net income for the quarter ended June 30, 2025, of $4,210,000, an increase of $1,238,000, or 41.7%, from the same period the prior year. Earnings per share for the second quarter of 2025 were $.89 compared to $.63 for the prior year second quarter. For the six months ended June 30, 2025, net income totaled $8,616,000, an increase of $2,851,000, or 49.5%, from the same period the prior year. Earnings per share were $1.83 for the first six months of 2025 versus $1.21 for the first six months of 2024. Return on average assets and return on average equity were 1.16% and 11.30%, respectively, for the first half of 2025, compared to .84% and 8.01%, respectively, for the same period in the prior year.
Ohio Valley Banc Corp. President and CEO, Larry Miller said, “We continue to reap the benefits of last year’s decision to participate in the Ohio Homebuyer Plus Program as well as our continued focus on commercial and real estate lending. The strong growth in net income coupled with stable asset quality are essential pillars of our strategy to increase shareholder value.”
For the three months ended June 30, 2025, net interest income increased $2,572,000, and for the six months ended June 30, 2025, net interest income increased $4,522,000 from the same respective periods last year. These increases were related to the increase in both average earning assets and the net interest margin for the respective periods. For the six months ended June 30, 2025, average earning assets increased $122 million from the same period last year, led by the $99 million growth in average securities and the $60 million growth in average loans. The growth in average securities was related to the Company participating in a program offered by the Ohio Treasurer called Ohio Homebuyer Plus starting in the third quarter of 2024. As a participant in the program, the Company developed the Sweet Home Ohio deposit account to offer participants an above-market interest rate along with a deposit bonus to assist customers in achieving their home savings goals. For each Sweet Home Ohio account that was opened, the Company received a deposit from the Ohio Treasurer at a subsidized interest rate. At June 30, 2025, the balance of Sweet Home Ohio accounts totaled $8.4 million and the amount deposited by the Treasurer totaled $77 million. Since the Treasurer deposits are classified as public funds, which are required to be collateralized, the Company invested the funds in securities to be pledged as collateral to the Treasurer. The investment of these funds was the primary contributor to the increase in securities from the first half of 2024. The growth in average loans was related to the commercial real estate, commercial and industrial, and residential real
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