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Ohio Valley Banc Corp OVBC Q4 2025 Annual earnings

Reported January 27, 2026 · Before market open

Revenue$23.6M
EPS$0.84

Next report

Oct 26, 2026 (in 3 months)

Financials

Q4 2025

Income statement

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Revenue$16.2M-4.6%
Net income$4.0M+57.3%

Balance sheet

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Cash & equivalents$45.9M-44.8%
Total debt$14.0M+55.9%
Total equity$170.3M+13.3%
Total assets$1.6B+5.3%

Cash flow

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Operating cash flow$7.8M+226%
CapEx$229.0K-1.7%
Free cash flow$7.6M+251%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$188.35M+65.1%
Enterprise value$156.42M+292%
P/E12.1×+1.7×
P/S2.8×+1.0×

Profitability

See full
Net margin23.4%+5.6pp
FCF margin25.6%+6.7pp

Returns & leverage

See full
Return on equity9.7%+2.3pp
Debt / equity0.1×0.0×

Versus estimates

Revenue

Q2 2026$23.5KQ1 2026$25.8M
Q4 2025$23.6M
Q2 2025$23.9MQ1 2025$23.4M

Diluted EPS

Q2 2026$0.62Q1 2026$0.91
Q4 2025$0.84
Q3 2025$0.64Q2 2025$0.89Q1 2025$0.94

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Questions, answered.

When did Ohio Valley Banc Corp report Q4 2025 earnings?
Ohio Valley Banc Corp (OVBC) reported Q4 2025 earnings on January 27, 2026 before market open.
What were Ohio Valley Banc Corp's Q4 2025 revenue and EPS?
Ohio Valley Banc Corp reported revenue of $23.6M and eps of $0.84 for Q4 2025.
How did Ohio Valley Banc Corp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 1.5% from $23.9M a year earlier and eps grew 58.5% from $0.53.
Where can I find Ohio Valley Banc Corp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000894671-26-000007) and the 10-K periodic report (0001140361-26-009342) directly on SEC EDGAR. The filing index links above go to sec.gov.