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Ohio Valley Banc Corp. operates as the bank holding company for The Ohio Valley Bank Company that provides commercial and retail banking products and services. It accepts various deposit products, including checking, savings, time, and money market accounts, as well as individual retirement accounts, demand deposits, NOW accounts, and certificates of deposit. The company provides various residential real estate loans, including one-to four-family residential mortgages; commercial loans for securing equipment, inventory, stock, commercial real estate, and rental property; and consumer loans secured by automobiles, mobile homes, recreational vehicles, and other personal property, as well as personal loans, unsecured credit card receivables, floor plan and student loans, and construction loans. In addition, it offers safe deposit box, wire transfer, credit card, home equity loans, and Internet banking services; and financial management online services, such as cash management and news updates related to repossession auctions, current rates, and general bank news. The company owns and operates ATMs, including off-site ATMs. It operates offices in Ohio and West Virginia. The company was founded in 1872 and is based in Gallipolis, Ohio.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $67M | - | $16M | $17M | 9.2% | 7.6% | 41.8% |
| 2024 | $62M | - | $11M | $12M | 7.3% | 5.7% | -12.9% |
| 2023 | $59M | - | $13M | $18M | 8.8% | 6.8% | -5.3% |
| 2022 | $55M | - | $13M | $14M | 9.9% | - | - |
| 2021 | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 54.94 | 58.66 | 61.98 | 66.72 |
| Operating Revenue | - | 54.94 | 58.66 | 61.98 | 66.72 |
| Selling General And Administration | - | 23.38 | 24.97 | 29.25 | 26.81 |
| Interest Income | - | 47.30 | 61.54 | 75.38 | 84.86 |
| Interest Expense | - | 2.84 | 15.84 | 26.96 | 27.49 |
| Net Interest Income | - | 44.46 | 45.70 | 48.42 | 57.37 |
| Pretax Income | - | 15.93 | 15.20 | 13.38 | 19.45 |
| Tax Provision | - | 2.59 | 2.57 | 2.38 | 3.85 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0 | 0 | 0 |
| Net Income Continuous Operations | - | 13.34 | 12.63 | 11 | 15.60 |
| Net Income From Continuing And Discontinued Operation | - | 13.34 | 12.63 | 11 | 15.60 |
| Net Income From Continuing Operation Net Minority Interest | - | 13.34 | 12.63 | 11 | 15.60 |
| Net Income | - | 13.34 | 12.63 | 11 | 15.60 |
| Net Income Common Stockholders | - | 13.34 | 12.63 | 11 | 15.60 |
| Net Income Including Noncontrolling Interests | - | 13.34 | 12.63 | 11 | 15.60 |
| Normalized Income | - | 13.34 | 12.63 | 11 | 15.60 |
| Diluted NI Availto Com Stockholders | - | 13.34 | 12.63 | 11 | 15.60 |
| Basic Average Shares | - | 4.77 | 4.77 | 4.74 | 4.71 |
| Diluted Average Shares | - | 4.77 | 4.77 | 4.74 | 4.71 |
| Reconciled Depreciation | - | 1.57 | 1.64 | 1.74 | 1.70 |
| Total Unusual Items | 0 | - | - | - | - |
| Total Unusual Items Excluding Goodwill | 0 | - | - | - | - |
| Special Income Charges | 0 | - | - | - | - |
| Gain On Sale Of Security | - | -1.54 | 0 | 0 | -3.75 |
| Depreciation Amortization Depletion Income Statement | 0.05 | 0.04 | 0.02 | 0.01 | - |
| Depreciation And Amortization In Income Statement | 0.05 | 0.04 | 0.02 | 0.01 | - |
| General And Administrative Expense | - | 21.95 | 23.96 | 28.43 | 25.61 |
| Other Gand A | 1.86 | 2.20 | - | - | - |
| Salaries And Wages | - | 21.62 | 23.39 | 27.78 | 24.91 |
| Insurance And Claims | - | 0.34 | 0.57 | 0.65 | 0.70 |
| Selling And Marketing Expense | - | 1.43 | 1.01 | 0.82 | 1.20 |
| Amortization | 0.05 | 0.04 | 0.02 | 0.01 | - |
| Amortization Of Intangibles Income Statement | 0.05 | 0.04 | 0.02 | 0.01 | - |
| Occupancy And Equipment | - | 3.08 | 3.22 | 3.24 | 3.34 |
| Professional Expense And Contract Services Expense | - | 1.61 | 1.66 | 1.87 | 1.80 |
| Other Non Interest Expense | - | 10.94 | 11.50 | 11.77 | 12.25 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Ohio Valley Banc Corp.this co. | OVBC | $227M | 14.56↑ premium | 1.33 | 9.2% | - |
| Medallion Financial Corp. | MFIN | $230M | 4.93 | 0.56 | 11.4% | - |
| Virginia National Bankshares Corporation | VABK | $229M | 11.89 | 1.24 | 10.5% | - |
| FB Bancorp, Inc. | FBLA | $225M | 179.93 | 0.72 | 0.4% | - |
| Peoples Bancorp of North Carolina, Inc. | PEBK |
| - |
| - |
| - |
| - |
| - |
| $223M |
| 11.26 |
| 1.42 |
| 12.6% |
| - |
| National Bankshares, Inc. | NKSH | $222M | 14.04 | 1.20 | 8.6% | - |
| Eagle Financial Services, Inc. | EFSI | $221M | 26.88 | 1.17 | 4.3% | - |
| Oportun Financial Corporation | OPRT | $220M | 8.73 | 0.57 | 6.5% | - |
| Meridian Corporation | MRBK | $220M | 10.09 | 1.10 | 10.9% | - |
| Peer Median | - | 11.58 | 1.14 | 9.5% | - | |