OVBC

Shares of Ohio Valley Banc Corp. OVBC have declined 2.6% since the company reported its earnings for the quarter ended March 31, 2026. Shares underperformed the S&P 500 Index, which fell 0.5% over the same period. Over a broader one-month horizon, however, the stock edged up 0.6%, significantly lagging the S&P 500’s stronger 8.9% gain. Ohio Valley Banc reported first-quarter 2026 net income of $4.3 million, representing a 2.5% decline from $4.4 million in the year-ago period. Earnings per share fell 3.2% to 91 cents from 94 cents a year earlier. Despite the modest earnings decline, total net interest income rose sharply by 13.3% year over year to $14.9 million from $13.1 million, supported by higher earning assets and margin expansion. Total interest income increased 13.5% to $22.5 million from $19.8 million, reflecting growth in loan balances, while interest expense rose 13.9% to $7.6 million from $6.7 million. Noninterest income declined 9.8% to $3.3 million from $3.6 million, primarily due to the loss of electronic refund check and deposit fee income. Meanwhile, non-interest expenses increased 4.5% to $11.3 million from $10.8 million, mainly due to higher personnel and software costs. A key highlight of the quarter was the solid net interest income, which was fueled by a $121 million rise in average earning assets, particularly a $146 million expansion in average loans concentrated in commercial lending segments. Net interest margin improved to 4.01% from 3.85% in the prior-year quarter, reflecting higher yields on earning assets outpacing funding costs. Ohio Valley Banc Corp. price-consensus-eps-surprise-chart | Ohio Valley Banc Corp. Quote Credit costs increased notably during the quarter. The provision for credit losses rose to $1.6 million from $0.4 million in the prior year, largely due to specific reserves on two collateral-dependent loans and overall loan growth. Asset quality metrics also weakened, with nonperforming loans rising to 1.64% of total loans from 0.48% a year earlier. The allowance for credit losses increased to 1.07% of total loans as of March 31, 2026, from 0.97% as of March 31, 2025, indicating a more cautious stance amid rising credit risks. Noninterest income declined primarily due to a $540,000 drop in electronic refund check and deposit fees following the expiration of a third-party tax processing agreement. This was partially o...

GALLIPOLIS, Ohio, April 28, 2026 /PRNewswire/ -- Ohio Valley Banc Corp. [Nasdaq: OVBC] (the "Company") reported consolidated net income for the quarter ended March 31, 2026, of $4,297,000, a decrease of $109,000, or 2.5%, from the same period during the prior year. Earnings per share for the first quarter of 2026 were $.91, compared to $.94 for the first quarter of 2025. Return on average assets and return on average equity were 1.08% and 10.17%, respectively, for the first quarter of 2026, versus 1.20% and 11.82%, respectively, for the same period the prior year. Ohio Valley Banc Corp. President and CEO, Larry Miller stated, "Our core performance remained strong, highlighted by double-digit growth in net interest income, margin expansion, and continued loan growth in our targeted commercial markets. While earnings were modestly lower, we continue to invest in our people, technology, and franchise for long-term, sustainable performance." For the first quarter of 2026, net interest income increased $1,748,000, or 13.3%, from the first quarter of 2025. The increase was related to the increase in both average earning assets and the net interest margin. For the first quarter of 2026, average earning assets increased $121 million from the same period last year, led by the $146 million growth in average loans, which was partially offset by the decreases in average securities of $15 million and average balances maintained at the Federal Reserve of $11 million. The growth in average loans occurred primarily within the targeted commercial lending segments. For the first quarter of 2026, the net interest margin was 4.01%, an increase from 3.85% for the first quarter of 2025. The increase in the net interest margin was related to the yield on earning assets increasing more than the cost of funding sources. The yield on earning assets improved primarily in relation to the strong growth in higher yielding loans, which now comprise a larger percentage of earning assets. For the three months ended March 31, 2026, the provision for credit loss expense was $1,622,000, an increase of $1,206,000 from the first quarter of 2025. The provision for credit loss expense for the first quarter of 2026 was primarily related to the specific allocation of $2,031,000 on two collateral dependent loans. Additional reserves were required for net charge-offs of $278,000 and the $19 million in...

GALLIPOLIS, Ohio (AP) — GALLIPOLIS, Ohio (AP) — Ohio Valley Banc Corp. (OVBC) on Tuesday reported net income of $4.3 million in its first quarter. The Gallipolis, Ohio-based bank said it had earnings of 91 cents per share. The bank holding company posted revenue of $25.8 million in the period. Its revenue net of interest expense was $18.2 million, exceeding Street forecasts. _____ This story was generated by Automated Insights (http://automatedinsights.com/ap) using data from Zacks Investment Research. Access a Zacks stock report on OVBC at https://www.zacks.com/ap/OVBC

Shares of Ohio Valley Banc Corp. OVBC have gained 2.1% since the company reported its earnings for the quarter ended Dec. 31, 2025. This compares to the S&P 500 Index’s 0.3% gain over the same time frame. Over the past month, the stock gained 2.9% compared with the S&P 500’s 2.1% growth. For the quarter ended Dec. 31, 2025, Ohio Valley Banc reported net income of $3.9 million, up 57.3% from $2.5 million in the year-ago period. Earnings per share (EPS) rose 58.5% to $0.84 from $0.53 a year earlier, reflecting the stronger bottom-line performance. For full-year 2025, net income increased 41.8% to $15.6 million from $10.9 million, while EPS climbed 42.7% to $3.31 from $2.32 in 2024. The improvement was supported by higher net interest income, which rose 18.4% year over year in the fourth quarter and 18.3% for the full year, driven by growth in average earning assets and an expansion in net interest margin. While Ohio Valley Banc does not report revenue in a traditional sense, total interest income for the fourth quarter increased 14.1% to $22.9 million from $20 million a year earlier, supported by growth across loan and securities portfolios. The quarterly net interest margin expanded to 4.18% from 3.70% a year ago, while the full-year margin improved to 4.07% from 3.71%. Average earning assets in fourth-quarter 2025 increased to $1.48 billion from $1.41 billion year over year, led by $75 million growth in average loans and $53 million growth in average securities. Loan growth was concentrated in commercial real estate, commercial and industrial, and residential real estate lending, partially offset by a deliberate reduction in consumer loans. Return on average assets rose to 1.00% for the quarter from 0.66% year over year and 1.02% for the full year from 0.77% in 2024. Return on average equity also improved, reaching 9.49% for the quarter from 6.62% year over year and 9.83% for the year from 7.50% in 2024. Total assets increased to $1.58 billion as of Dec. 31, 2025, from $1.50 billion in the prior year, reflecting loan growth and changes in the securities portfolio. Shareholders’ equity rose to $170.3 million as of Dec. 31, 2025, from $150.3 million as of Dec. 31, 2024, supported by retained earnings growth and improved accumulated other comprehensive income. Asset quality metrics showed some mixed trends. The ratio of non-performing loans to total loans rose...

GALLIPOLIS, Ohio (AP) — GALLIPOLIS, Ohio (AP) — Ohio Valley Banc Corp. (OVBC) on Tuesday reported net income of $4 million in its fourth quarter. The Gallipolis, Ohio-based bank said it had earnings of 84 cents per share. The bank holding company posted revenue of $23.6 million in the period. Its revenue net of interest expense was $16.2 million, topping Street forecasts. For the year, the company reported profit of $15.6 million, or $3.31 per share. Revenue was reported as $66.7 million. _____ This story was generated by Automated Insights (http://automatedinsights.com/ap) using data from Zacks Investment Research. Access a Zacks stock report on OVBC at https://www.zacks.com/ap/OVBC

GALLIPOLIS, Ohio, Jan. 27, 2026 /PRNewswire/ -- 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 rel...

Shares of Ohio Valley Banc Corp. OVBC have lost 0.9% since the company reported its earnings for the quarter ended Sept. 30, 2025. This compares to the S&P 500 Index’s 0.7% gain over the same time frame. Over the past month, the stock lost 2.6% against the S&P 500’s 2.1% growth. Ohio Valley Banc reported third-quarter 2025 net income of $3 million, up 11.4% from $2.7 million a year earlier, translating to earnings per share (EPS) of $0.64 compared with $0.58 in the year-ago quarter. Net interest income rose 16% year over year to $14.6 million for the quarter from $12.6 million, benefiting from higher average earning assets and a wider net interest margin of 4.05%, up from 3.76% a year earlier. Growth in net income was partly offset by an increase in credit loss provisions and lower noninterest income, reflecting realized losses on securities sales. For the nine months ended Sept. 30, 2025, net income surged 37.3% to $11.6 million, or $2.47 per share, compared with $8.5 million, or $1.79 per share, in the prior-year period. OVBC’s performance was driven by robust loan and securities growth. Average earning assets grew 8.8% year to date, led by increases of $75 million in securities and $65 million in average loans. Growth in commercial real estate, commercial and industrial, and residential real estate lending segments underpinned the expansion, while the consumer loan segment contracted as management continued to pivot toward more profitable segments. On the funding side, average NOW, money market, and savings accounts rose $85 million year to date, supported by the Ohio Homebuyer Plus program and related deposits. The provision for credit losses increased to $1.1 million in the third quarter of 2025 from $0.9 million a year earlier, reflecting loan growth, charge-offs, and updated economic forecasts. Meanwhile, noninterest income fell 38.8% to $1.7 million from $2.9 million, mainly due to $1.2 million in losses from securities sales. Ohio Valley Banc sold $11 million in low-yield securities (1.32%) and reinvested the proceeds into higher-yielding assets (4.37%), a move expected to bolster future margins. Noninterest expense rose 2.4% to $11.5 million from $11.2 million year over year, primarily due to higher data processing and marketing costs, partly offset by reduced personnel expenses following a 2024 early retirement program. Ohio Valley Banc Corp. pric...

GALLIPOLIS, Ohio (AP) — GALLIPOLIS, Ohio (AP) — Ohio Valley Banc Corp. (OVBC) on Monday reported net income of $3 million in its third quarter. The Gallipolis, Ohio-based bank said it had earnings of 64 cents per share. The bank holding company posted revenue of $23.3 million in the period. Its revenue net of interest expense was $16.3 million, surpassing Street forecasts. _____ This story was generated by Automated Insights (http://automatedinsights.com/ap) using data from Zacks Investment Research. Access a Zacks stock report on OVBC at https://www.zacks.com/ap/OVBC

GALLIPOLIS, Ohio, Oct. 27, 2025 /PRNewswire/ -- 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...

Explore Ohio Valley Banc's Fair Values from the Community and select yours Revenue: US$16.2m (up 12% from 2Q 2024). Net income: US$4.21m (up 42% from 2Q 2024). Profit margin: 26% (up from 21% in 2Q 2024). The increase in margin was driven by higher revenue. EPS: US$0.89 (up from US$0.63 in 2Q 2024). We've found 21 US stocks that are forecast to pay a dividend yield of over 6% next year. See the full list for free. All figures shown in the chart above are for the trailing 12 month (TTM) period Ohio Valley Banc shares are up 1.3% from a week ago. While it's very important to consider the profit and loss statement, you can also learn a lot about a company by looking at its balance sheet. See our latest analysis on Ohio Valley Banc's balance sheet health. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) simplywallst.com. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

Shares of Ohio Valley Banc Corp. OVBC have lost 6.6% since the company reported its earnings for the quarter ended June 30, 2025. This compares unfavorably with the S&P 500 Index, which posted a marginal loss of 0.3% over the same time frame. The stock’s performance over the past month has also been underwhelming, declining 4.8% versus the S&P 500’s 2.1% advance. In the second quarter of 2025, Ohio Valley Banc reported consolidated net income of $4.2 million, marking a 41.7% increase from $2.9 million in the year-ago quarter. Earnings per share (EPS) jumped 41.3% to $0.89 from $0.63 in the same period last year. For the first half of 2025, net income surged 49.5% to $8.6 million. EPS stood at $1.83, up 51.2% from $1.21 in the prior-year period. These improvements were underpinned by a solid rise in net interest income, which climbed $2.6 million for the quarter and $4.5 million for the six-month period. Segmentally, growth was concentrated in commercial real estate, commercial and industrial, and residential real estate lending, while consumer lending declined due to a strategic shift away from that segment. Net interest margin expanded notably to 4.17% in the second quarter from 3.74% a year earlier. For the first half of the year, the margin stood at 4.01%, up from 3.68%. This improvement was driven by a favorable shift in asset mix toward higher-yielding loans and securities, bolstered by participation in the Ohio Homebuyer Plus program. The yield on earning assets increased due to growth in securities and loan portfolios, while funding costs decreased as higher-cost certificates of deposit repriced at lower market rates. Notably, average earning assets for the six months ended June 30, 2025, grew by $122 million, reflecting a $99 million rise in securities and $60 million in loans. The provision for credit losses totaled $1.1 million in the second quarter — up sharply from $0.2 million the prior year — mainly due to increased loan balances, higher modeled loss rates and modest net charge-offs. Asset quality remained stable, with non-performing loans at 0.45% of total loans compared with 0.50% a year ago. The allowance for credit losses increased to 0.99% of total loans from 0.91% in the prior-year period. Non-interest income rose 5.4% in the quarter, led by a 4.6% increase in debit and credit card interchange fees. Other sources, including service charge...

GALLIPOLIS, Ohio (AP) — GALLIPOLIS, Ohio (AP) — Ohio Valley Banc Corp. (OVBC) on Friday reported net income of $4.2 million in its second quarter. The Gallipolis, Ohio-based bank said it had earnings of 89 cents per share. The bank holding company posted revenue of $23.9 million in the period. Its revenue net of interest expense was $17.4 million, surpassing Street forecasts. _____ This story was generated by Automated Insights (http://automatedinsights.com/ap) using data from Zacks Investment Research. Access a Zacks stock report on OVBC at https://www.zacks.com/ap/OVBC