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Ohio Valley Banc Corp OVBC Accretion (Amortization) of Discounts and Premiums, Investments

Accretion (Amortization) of Discounts and Premiums, Investments at other companies

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Farmers & Merchants BancorpFMAO
$78K+184%
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Greene County BancorpGCBC
$660K
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Orrstown Financial ServicesORRF
$5.46M-23.1%
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-$236K+14.2%
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Blue Ridge BanksharesBRBS
-$6K+87.8%
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Home BancorpHBCP
$58K+207%

Other financials

Income statement

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Revenue$18.2M+8.3%
Net income$4.3M-2.5%

Balance sheet

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Cash & equivalents$125.3M+3.9%
Total debt$24.6M+67.2%
Total equity$171.3M+10.0%
Total assets$1.7B+10.9%

Cash flow

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Operating cash flow$7.2M+1,350%
CapEx$387.0K+8.1%
Free cash flow$6.8M+4,830%

Valuation

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Market cap$200.71M+43.0%
Enterprise value$99.99M-0.9%
P/E13×+2.8×
P/S+0.8×

Profitability

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Net margin22.7%+3.0pp
FCF margin34.8%+16.7pp

Returns & leverage

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Return on equity9.5%+1.1pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by Ohio Valley Banc Corp in its filing.

Tagged under the XBRL concept us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments.

The official record: Ohio Valley Banc Corp’s 10-K, filed March 13, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Ohio Valley Banc Corp's accretion (amortization) of discounts and premiums, investments?
Ohio Valley Banc Corp (OVBC) reported accretion (amortization) of discounts and premiums, investments of $335.75K in Q4 2025.
How has Ohio Valley Banc Corp's accretion (amortization) of discounts and premiums, investments changed year-over-year?
Ohio Valley Banc Corp's accretion (amortization) of discounts and premiums, investments decreased by 5.9% year-over-year, from $356.75K to $335.75K.
What is the long-term trend for Ohio Valley Banc Corp's accretion (amortization) of discounts and premiums, investments?
Over 4 years (2021 to 2025), Ohio Valley Banc Corp's accretion (amortization) of discounts and premiums, investments has grown at a 13.3% compound annual growth rate (CAGR), from -$815K to $1.34M.
What does accretion (amortization) of discounts and premiums, investments mean?
Captures the non-cash adjustment to interest income resulting from the amortization of premiums or accretion of discounts on investment securities. This process aligns the effective yield of a bond with its coupon rate over the life of the instrument. It is a critical adjustment for reconciling net income to cash flow from operating activities.