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OHIO VALLEY BANC CORP

OVBC

$48.20 ▼ -0.82 (-1.68%) at close

18 Visible periods

33 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

OHIO VALLEY BANC CORP shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $227.1M

Dividend Yield 1.89%

Revenue Growth 7.6% ↗

Op. Margin 29.2% ↗

ROIC None

FCF / Share None

Trailing P/E 14.6x

Price / Book 1.3x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$66.72M

↑ +7.6% —

Net Income Profit after all expenses

$15.60M

↑ +41.8% —

Operating Margin Operating profit as % of sales

29.2%

↑ +35.1% 85th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.91 Latest / share

+3.4% YoY

+0.9% 10-yr CAGR

$0.84

FY 2014

FY 2015

FY 2016

$0.84

FY 2017

$0.84

FY 2018

$0.84

FY 2019

$0.84

FY 2020

$0.84

FY 2021

$0.99

FY 2022

$1.02

FY 2023

$0.88

FY 2024

$0.91

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	7.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+27%)	5.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-6%)	6.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+13%)	8.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+33%)	-1.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-118%)	-1.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-125%)	-0.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-114%)	2.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-51%)	14.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+147%)	5.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	-2.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-145%)	5.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	-0.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-110%)	0.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-98%)	5.0% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-16%)	2.2% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-64%)	—	—
EPS Growth YoY (%)	42.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-12.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-5.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	14.3% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	14.5% Fair → Fair Stable Year-over-year change in earnings per share Optimal: > 10%	2.9% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-17.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	58.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	0.6% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-23.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	5.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-1.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	14.3% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	19.9% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	14.1% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	-23.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	41.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-12.9% Weak ↓ Weak Declining Year-over-year change in net income	-5.3% Weak ↓ Weak Declining Year-over-year change in net income	13.7% Fair ↑ Fair Improving Year-over-year change in net income	14.4% Fair ↓ Fair Declining Year-over-year change in net income	3.6% Caution ↓ Caution Declining Year-over-year change in net income	-17.1% Weak ↓ Weak Declining Year-over-year change in net income	59.1% Excellent ↑ Excellent Improving Year-over-year change in net income	8.5% Fair ↑ Fair Improving Year-over-year change in net income	-19.3% Weak ↓ Weak Declining Year-over-year change in net income	6.2% Fair ↓ Fair Declining Year-over-year change in net income	-0.5% Weak ↓ Weak Declining Year-over-year change in net income	15.0% Good ↑ Good Improving Year-over-year change in net income	20.9% Good ↑ Good Improving Year-over-year change in net income	14.5% Fair Fair Year-over-year change in net income	-23.3% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	6.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.5% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.7% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-1.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	0.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	5.4% Fair → Fair Stable Compound annual revenue growth over 3 years	7.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.9% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	0.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.5% Weak Weak Compound annual revenue growth over 3 years	2.4% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	5.3% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.5% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	2.2% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	1.4% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.7% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.1% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	3.8% Caution → Caution Stable Compound annual revenue growth over 5 years	5.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	1.6% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	1.5% Caution Caution Compound annual revenue growth over 5 years	2.5% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	5.7% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-1.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	7.4% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	10.4% Good ↑ Good Improving Compound annual EPS growth over 3 years	-1.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	10.2% Good ↑ Good Improving Compound annual EPS growth over 3 years	9.4% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	6.7% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-6.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-7.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	5.9% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	10.5% Good ↑ Good Improving Compound annual EPS growth over 3 years	16.0% Excellent Excellent Compound annual EPS growth over 3 years	1.6% Caution Caution Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	29.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	21.6% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	25.9% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	29.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	27.5% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	23.9% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	19.8% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.8% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.9% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.3% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.3% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.6% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	23.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	17.7% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	21.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	24.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	23.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.0% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	19.0% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	22.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	14.7% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-33%)	15.5% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	20.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	18.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	19.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	17.1% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	14.2% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	13.0% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	17.4% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	9.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	7.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	8.8% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	9.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	8.3% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	7.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	7.7% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	10.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	6.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	6.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	9.5% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	9.4% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	10.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	9.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	8.1% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	7.5% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	—	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$14.16	$13.08	$12.28	$11.52	$10.64	$10.74	$10.95	$11.14	—	$10.24	$10.22	$10.56	$10.06	$10.21	$10.27	$9.82	—	—
Basic EPS, GAAP (USD)	$3.31	$2.32	$2.65	$2.80	$2.45	$2.14	$2.08	$2.53	$1.60	$1.59	$2.08	$1.97	$2.00	$1.75	$1.46	$1.28	$1.67	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.91	$0.88	$1.02	$0.99	$0.84	$0.84	$0.84	$0.84	$0.84	—	—	$0.84	$0.73	$1.09	$0.84	$0.84	—	—
Book Value per Share (USD)	$36.14	$31.74	$30.16	$28.31	$29.57	$28.48	$26.89	$24.94	—	$24.02	$21.97	$21.03	$19.79	$18.81	$17.95	$17.10	—	—
Tangible Book Value per Share (USD)	$34.59	$30.19	$28.63	$26.77	$28.02	$26.92	$25.32	$23.38	—	$22.23	$21.66	$20.72	$19.48	$18.50	$17.64	$17.10	—	—
Basic Weighted Avg Shares (shares)	4.71M	4.74M	4.77M	4.77M	4.78M	4.79M	4.77M	4.73M	—	4.35M	4.12M	4.10M	4.06M	4.03M	4.00M	3.98M	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$170.26M	$150.33M	$144.01M	$135.03M	$141.36M	$136.32M	$128.18M	$117.87M	$109.36M	$104.53M	$90.47M	$86.22M	$80.42M	$75.82M	$71.84M	$68.13M	—	$4.64M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$66.72M	$61.98M	$58.66M	$54.94M	$50.88M	$51.42M	$52.22M	$52.66M	$51.17M	$44.56M	$42.09M	$43.27M	$40.90M	$41.14M	$41.09M	$39.12M	$38.29M	—
Depreciation Expense (USD)	$1.66M	$1.68M	$1.56M	$1.46M	$1.46M	$1.34M	$1.18M	$1.14M	$1.28M	$1.13M	$872.00K	$795.00K	$827.00K	$973.00K	$971.00K	$1.07M	—	—
Net Income, GAAP (USD)	$15.60M	$11.00M	$12.63M	$13.34M	$11.73M	$10.26M	$9.91M	$11.94M	$7.51M	$6.92M	$8.57M	$8.07M	$8.11M	$7.05M	$5.83M	$5.10M	$6.64M	—
Operating Cash Flow (USD)	$18.09M	$13.10M	$20.75M	$15.99M	$13.19M	$12.49M	$14.75M	$18.14M	$14.50M	$13.37M	$10.40M	$11.68M	$13.16M	$10.83M	$16.18M	$12.33M	$4.93M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.6%	3.2%	3.4%	3.7%	3.3%	3.4%	4.2%	4.2%	4.1%	3.8%	4.2%	4.3%	4.3%	4.2%	4.2%	3.9%	—	—
Efficiency Ratio (%) (%)	66.3%	74.4%	70.5%	71.1%	73.3%	70.3%	75.6%	71.1%	71.5%	73.8%	70.4%	67.7%	71.8%	72.3%	68.9%	68.1%	68.3%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 18 years · 68 quarters

OHIO VALLEY BANC CORP

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18-Year Financial Trajectory

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