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Ohio Valley Banc
Ohio Valley Banc (OVBC) investor relations material
Ohio Valley Banc Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
Achieved record net income of $15.6 million for 2025, up 41.8% year-over-year, with Q4 net income of $4.0 million, up 57.3% from Q4 2024.
Earnings per share rose to $3.31 for 2025 from $2.32 in 2024; Q4 EPS was $0.84, up from $0.53.
Return on average assets improved to 1.02% and return on average equity to 9.83% for 2025.
Financial highlights
Net interest income increased by $8.9 million for the year and $2.4 million for Q4, driven by higher average earning assets and improved interest margin.
Average earning assets grew by $103 million, led by $75 million in loans and $53 million in securities.
Net interest margin rose to 4.07% for 2025 from 3.71% in 2024; Q4 margin was 4.18%.
Noninterest income fell by $4.2 million for the year, mainly due to $3.7 million in losses from securities sales.
Noninterest expense decreased by $1.9 million for the year, with salaries and benefits down $2.9 million due to a prior year early retirement program.
Total assets reached $1.58 billion at year-end, up $79 million from 2024.
Outlook and guidance
Management anticipates continued focus on profitable loan segments and leveraging community-focused programs.
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Next Ohio Valley Banc earnings date
Q1 202614 May, 2026
Ohio Valley Banc
Next Ohio Valley Banc earnings date
Q1 202614 May, 2026
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Frequently asked questions
Ohio Valley Banc Corp. is the holding company for The Ohio Valley Bank Company, which offers a range of banking services primarily across Ohio and West Virginia. The company operates through two main segments: Banking and Consumer Finance. Its banking services include various deposit products such as checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. Ohio Valley Banc Corp. also provides loans, including residential mortgages, commercial loans, and consumer loans for items like automobiles and recreational vehicles. Additionally, the company offers services such as credit cards, online banking, and financial management tools, along with ATMs located on-site and off-site. The company is headquartered in Gallipolis, Ohio, and its shares are listed on the NASDAQ.
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