Ohio Valley Banc Corp.

OVBC

NASDAQ

34.25

USD

-0.28(-0.81%)

As of today

Overview Financials Dividends Ratios Discussions Analysis

Ohio Valley Banc Corp. fundamentals

Overview Income Statement Balance Sheet Cash Flow

Key ratios

P/E Ratio

11.65

Price/Book

1.04

Debt/Equity

30.77%

Return on Equity

8.35%

Dividend Yield

3.27%

EBITDA

15.11M

Ohio Valley Banc Corp. operates as the bank holding company for The Ohio Valley Bank Company that provides commercial and consumer banking products and services. The company operates in two segments, Banking and Consumer Finance. 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 also 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 boxes, wire transfers, credit card services, 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. Further, the company provides automatic teller machine (ATM) services, consumer finance, seasonal tax preparation services, and commercial property and various liability insurance services, as well as trust and online-only consumer direct mortgage services. It operates sixteen offices in Ohio and West Virginia; and six consumer finance offices in Ohio. The company owns and operates thirty- six ATMs, including twenty off-site ATMs. Ohio Valley Banc Corp. was founded in 1872 and is headquartered in Gallipolis, Ohio.

Statements Highlights

AnnualQuarterly

Period Ending	Dec 31, 2020	Dec 31, 2021	Dec 31, 2022	Dec 31, 2023	Dec 31, 2024
Total Revenue	55,611,000	54,576,000	57,778,000	74,494,000	88,934,000
Gross Profit	46,440,000	50,877,000	54,940,000	56,566,000	59,506,000
Operating Income	12,307,000	14,016,000	15,932,000	15,198,000	13,376,000
Net Income	10,259,000	11,732,000	13,338,000	12,631,000	10,999,000
Total Assets	1,186,932,000	1,249,769,000	1,210,787,000	1,352,135,000	1,503,412,000
Total Current Liabilities	1,013,365,000	1,059,908,000	1,027,655,000	1,127,136,000	1,275,178,000
Total Equity	136,324,000	141,356,000	135,028,000	144,007,000	150,328,000
Free Cash Flow	9,041,000	12,052,000	14,002,000	18,058,000	11,664,000
Cash from Operations	12,491,000	13,137,000	15,990,000	20,747,000	13,097,000
Cash from Investing	-88,685,000	-52,404,000	-83,392,000	-59,787,000	-195,183,000
Cash from Financing	162,141,000	52,948,000	-38,642,000	121,176,000	137,067,000
Net Change in Cash	85,947,000	13,731,000	-106,044,000	82,136,000	-45,019,000