Ohio Valley Banc Corp. (OVBC) Balance Sheet
OVBC balance sheet, 2025
December 31, 2025 · U.S. dollars$1.58B assets = $1.41B liabilities + $170.3M equity
Both columns are drawn to the same scale: what OVBC owns equals what it owes plus shareholders’ equity. Hover a block for its value.
OVBC financial health
Descriptive bands, not a rating. Fiscal 2025.
OVBC balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $954.6M2016 | $1.58B2025 | +5.8%/yr | |
| Total liabilities | $850.1M2016 | $1.41B2025 | +5.8%/yr | |
| Shareholders’ equity | $104.5M2016 | $170.3M2025 | +5.6%/yr | |
| Cash & short-term investments | $138.3M2016 | $268,7512025 | −50.0%/yr | |
| Total debt | $53.2M2016 | $55.2M2025 | +0.4%/yr | |
| Net cash (debt) | $85.1M2016 | −$54.9M2025 | −$140.0M | |
| Working capital | $93.7M2016 | $51.8M2025 | −$41.9M | |
| Book value per share | $24.022016 | $36.142025 | +4.6%/yr | |
| Debt / equity | 0.512016 | 0.322025 | −0.18 | |
| Shares outstanding | 4.4M2016 | 4.7M2025 | +0.9%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
OVBC assets
OVBC liabilities and equity
OVBC debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
OVBC balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $268,751 | $281.7M | $290.4M | $231.9M | $331.4M | $253.1M | $160.0M | $175.4M | $177.5M | $138.3M |
| Cash & equivalents | $14,845 | $83.1M | $128.1M | $47.9M | $154.4M | $140.8M | $54.7M | $73.2M | $76.4M | $41.8M |
| Short-term investments | $253,906 | $198.6M | $162.3M | $184.1M | $177.0M | $112.3M | $105.3M | $102.2M | $101.1M | $96.5M |
| Receivables | $5,476 | $4.8M | $3.6M | $3.1M | $2.7M | $3.3M | $2.6M | $2.6M | $2.5M | $2.3M |
| Inventory | $0 | $0 | −$131.7M | −$51.6M | −$157.5M | −$144.8M | −$58.5M | $430,000 | $1.6M | $2.1M |
| Other current assets | $51.5M | $0 | $131.7M | $51.6M | $157.5M | $144.8M | $58.5M | $711.4M | $704.8M | $675.5M |
| Total current assets | $51.8M | $286.5M | $294.0M | $235.0M | $334.1M | $256.4M | $162.6M | $889.9M | $886.4M | $818.2M |
| Property, plant & equipment (net) | $21.4M | $22.3M | $22.7M | $21.7M | $21.9M | $22.2M | $20.3M | $14.9M | $13.3M | $12.8M |
| Goodwill & intangible assets | $7.3M | $7.3M | $7.3M | $7.3M | $7.4M | $7.4M | $7.5M | $7.8M | $7.9M | $8.5M |
| Long-term investments | $259.4M | $275.2M | $170.2M | $196.4M | $187.3M | $122.3M | $886.4M | $890.9M | $781.9M | $748.2M |
| Other non-current assets | $1.24B | $912.1M | $857.9M | $750.3M | $699.1M | $778.5M | $0 | $0 | $0 | $0 |
| Total assets | $1.58B | $1.50B | $1.35B | $1.21B | $1.25B | $1.19B | $1.01B | $1.03B | $1.03B | $954.6M |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | — | $1.06B | $993.7M | $20.1M | $17.7M | $15.8M | $14.1M |
| Short-term debt | $923 | $8.1M | $8.0M | $3.8M | $3.3M | $6.5M | $7.5M | $7.3M | $5.5M | $7.6M |
| Total current liabilities | $923 | $1.28B | $1.13B | $673.8M | $701.0M | $949.8M | $756.0M | $763.3M | $783.9M | $724.5M |
| Long-term debt | $53.3M | $48.2M | $53.1M | $26.4M | $28.1M | $36.4M | $42.5M | $48.2M | $44.4M | $45.6M |
| Lease obligations | $923,000 | $1.0M | $1.2M | $1.3M | $1.2M | $880,000 | $1.1M | — | — | — |
| Other long-term liabilities | $1.36B | $29.7M | $27.9M | $1.3M | $1.2M | $880,000 | $1.1M | $0 | $0 | $0 |
| Total liabilities | $1.41B | $1.35B | $1.21B | $27.7M | $29.3M | $37.2M | $43.5M | $912.6M | $916.9M | $850.1M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $5.5M | $5.5M | $5.5M | $5.5M | $5.4M | $5.4M | $5.4M | $5.4M | $5.4M | $5.3M |
| Retained earnings (deficit) | $133.0M | $121.7M | $114.9M | $109.3M | $100.7M | $93.0M | $86.8M | $80.8M | $72.7M | $69.1M |
| Treasury stock | — | — | — | — | — | −$15.7M | −$15.7M | −$15.7M | −$15.7M | −$15.7M |
| Accumulated other comprehensive income | −$1.9M | −$10.5M | −$11.4M | −$14.8M | $708,000 | $2.4M | $528,000 | −$2.1M | −$878,000 | −$991,000 |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $170.3M | $150.3M | $144.0M | $1.18B | $1.22B | $1.15B | $969.7M | $117.9M | $109.4M | $104.5M |
| Key figures | ||||||||||
| Total debt | $55.2M | $49.3M | $54.3M | $30.2M | $31.4M | $42.9M | $50.0M | $55.5M | $50.0M | $53.2M |
| Net cash (debt) | −$54.9M | $232.5M | $236.1M | $201.7M | $299.9M | $210.3M | $110.0M | $119.9M | $127.6M | $85.1M |
| Working capital | $51.8M | −$988.7M | −$833.1M | −$438.8M | −$366.9M | −$693.4M | −$593.4M | $126.6M | $102.5M | $93.7M |
| Tangible book value | $162.9M | $143.0M | $136.7M | $1.18B | $1.21B | $1.14B | $962.2M | $110.1M | $101.5M | $96.1M |
| Book value per share | $36.14 | $31.73 | $30.16 | $248.06 | $255.29 | $240.15 | $203.41 | $24.94 | $23.34 | $24.02 |
| Shares outstanding | 4.7M | 4.7M | 4.8M | 4.8M | 4.8M | 4.8M | 4.8M | 4.7M | 4.7M | 4.4M |
| Current ratio | 56,092.09 | 0.22 | 0.26 | 0.35 | 0.48 | 0.27 | 0.22 | 1.17 | 1.13 | 1.13 |
| Quick ratio | 297.10 | 0.22 | 0.26 | 0.35 | 0.48 | 0.27 | 0.22 | 0.23 | 0.23 | 0.19 |
| Debt / equity | 0.32 | 0.33 | 0.38 | 0.03 | 0.03 | 0.04 | 0.05 | 0.47 | 0.46 | 0.51 |
| Equity / assets | 10.8% | 10.0% | 10.7% | 97.7% | 97.7% | 96.9% | 95.7% | 11.4% | 10.7% | 10.9% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $15.8M | $16.3M | $268,751 | $300.8M | $265.1M | $323.1M | $281.7M | $353.4M | $270.4M | $291.2M | $290.4M | $258.0M |
| Cash & equivalents | $15.5M | $16.3M | $14,845 | $89.3M | $54.6M | $120.6M | $83.1M | $82.2M | $107.7M | $129.1M | $128.1M | $91.2M |
| Short-term investments | $250,236 | $251,439 | $253,906 | $211.5M | $210.4M | $202.5M | $198.6M | $271.2M | $162.7M | $162.2M | $162.3M | $166.8M |
| Receivables | $5.5M | $5.5M | $5,476 | $5.5M | $4.9M | $4.8M | $4.8M | $4.8M | $4.3M | $4.3M | $3.6M | $3.7M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$112.0M | −$133.4M | −$131.7M | −$95.5M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $112.0M | $133.4M | $131.7M | $95.5M |
| Total current assets | $21.3M | $21.8M | $274,227 | $306.3M | $270.0M | $327.9M | $286.5M | $358.2M | $274.7M | $295.6M | $294.0M | $261.8M |
| Property, plant & equipment (net) | $23.8M | $21.4M | $21,432 | $21.7M | $21.8M | $22.1M | $22.3M | $22.5M | $22.6M | $22.9M | $22.7M | $22.6M |
| Goodwill & intangible assets | $7.3M | $7.3M | $7,319 | $7.3M | $7.3M | $7.3M | $7.3M | $7.3M | $7.3M | $7.3M | $7.3M | $7.3M |
| Long-term investments | $256.0M | $256.9M | $259.4M | $267.2M | $271.8M | $265.8M | $275.2M | $279.1M | $170.7M | $170.2M | $170.2M | $175.8M |
| Other non-current assets | $1.35B | $1.37B | $1.32B | $967.4M | $939.4M | $890.0M | $912.1M | $826.9M | $928.0M | $876.6M | $857.9M | $846.5M |
| Total assets | $1.66B | $1.68B | $1.58B | $1.57B | $1.51B | $1.51B | $1.50B | $1.49B | $1.40B | $1.37B | $1.35B | $1.31B |
| Liabilities | ||||||||||||
| Short-term debt | $1,408 | $876 | $923 | $2.1M | $5.5M | $980,000 | $8.1M | $2.5M | $3.7M | $5.4M | $8.0M | $1.3M |
| Total current liabilities | $1,408 | $876 | $923 | $1.33B | $1.28B | $1.28B | $1.28B | $1.26B | $1.18B | $1.15B | $1.13B | $1.10B |
| Long-term debt | $50.3M | $52.0M | $53.3M | $44.5M | $45.7M | $46.9M | $48.2M | $49.4M | $50.6M | $51.8M | $53.1M | $54.3M |
| Lease obligations | $1.4M | $876,000 | $923,000 | $971,000 | $935,000 | $980,000 | $1.0M | $1.1M | $1.1M | $1.2M | $1.2M | $1.3M |
| Other long-term liabilities | $1.44B | $1.45B | $1.36B | $28.6M | $27.2M | $26.3M | $29.7M | $31.1M | $28.6M | $26.3M | $27.9M | $27.4M |
| Total liabilities | $1.49B | $1.51B | $1.41B | $1.41B | $1.35B | $1.36B | $1.35B | $1.34B | $1.26B | $1.23B | $1.21B | $1.18B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $5.5M | $5.5M | $5.5M | $5.5M | $5.5M | $5.5M | $5.5M | $5.5M | $5.5M | $5.5M | $5.5M | $5.5M |
| Retained earnings (deficit) | $138.0M | $136.2M | $133.0M | $130.1M | $128.2M | $125.1M | $121.7M | $120.2M | $118.5M | $116.6M | $114.9M | $112.7M |
| Accumulated other comprehensive income | −$3.7M | −$4.1M | −$1.9M | −$4.8M | −$6.5M | −$8.5M | −$10.5M | −$7.2M | −$11.9M | −$11.9M | −$11.4M | −$16.5M |
| Total shareholders' equity | $173.4M | $171.3M | $170.3M | $164.4M | $160.8M | $155.7M | $150.3M | $152.2M | $145.8M | $145.8M | $144.0M | $136.8M |
| Key figures | ||||||||||||
| Total debt | $51.7M | $52.9M | $55.2M | $45.5M | $46.6M | $47.9M | $49.3M | $50.5M | $51.7M | $52.9M | $54.3M | $55.5M |
| Net cash (debt) | −$36.0M | −$36.7M | −$54.9M | $255.3M | $218.4M | $275.2M | $232.5M | $302.9M | $218.8M | $238.3M | $236.1M | $202.5M |
| Working capital | $21.3M | $21.8M | $273,304 | −$1.03B | −$1.01B | −$956.3M | −$988.7M | −$903.2M | −$903.7M | −$853.2M | −$833.1M | −$833.8M |
| Tangible book value | $166.1M | $164.0M | $170.2M | $157.1M | $153.4M | $148.4M | $143.0M | $144.8M | $138.4M | $138.5M | $136.7M | $129.5M |
| Book value per share | $36.80 | $36.36 | $36.14 | $34.90 | $34.12 | $32.87 | $31.91 | $32.30 | $30.75 | $30.46 | $30.17 | $28.65 |
| Shares outstanding | 4.7M | 4.7M | 4.7M | 4.7M | 4.7M | 4.7M | 4.7M | 4.7M | 4.7M | 4.8M | 4.8M | 4.8M |
| Current ratio | 15,099.23 | 24,874.43 | 297.10 | 0.23 | 0.21 | 0.26 | 0.22 | 0.28 | 0.23 | 0.26 | 0.26 | 0.24 |
| Quick ratio | 15,099.23 | 24,874.43 | 297.10 | 0.23 | 0.21 | 0.26 | 0.22 | 0.28 | 0.23 | 0.26 | 0.26 | 0.24 |
| Debt / equity | 0.30 | 0.31 | 0.32 | 0.28 | 0.29 | 0.31 | 0.33 | 0.33 | 0.35 | 0.36 | 0.38 | 0.41 |
| Equity / assets | 10.4% | 10.2% | 10.8% | 10.5% | 10.6% | 10.3% | 10.0% | 10.2% | 10.4% | 10.6% | 10.7% | 10.4% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 13, 2026); data from EODHD.
OVBC financial position
At the end of fiscal 2025 (December 31, 2025), Ohio Valley Banc had total assets of $1.6 billion (up 5.3% from a year earlier), total liabilities of $1.4 billion and shareholders' equity of $170.3 million. It held $0.3 million in cash and short-term investments against $55.2 million of debt, net debt of $54.9 million. Its current ratio was 56,092.09. In the latest quarter (ended June 30, 2026) total assets were $1.7 billion and equity $173.4 million.
Related: OVBC income statement, OVBC cash flow statement, OVBC key metrics. See the OVBC stock overview for the latest quote and news.
OVBC balance sheet FAQ
What are Ohio Valley Banc's total assets?
Ohio Valley Banc reported total assets of $1.6 billion at the end of fiscal 2025 (December 31, 2025), compared with $1.5 billion a year earlier.
How much debt does Ohio Valley Banc have?
Ohio Valley Banc had $55.2 million of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.32.
How much cash does Ohio Valley Banc have?
Ohio Valley Banc held $0.3 million in cash and short-term investments at the end of fiscal 2025; with $55.2 million of debt that is net debt of $54.9 million.
What is Ohio Valley Banc's book value?
Ohio Valley Banc's shareholders' equity (book value) was $170.3 million at the end of fiscal 2025, or $36.14 per share.
What is Ohio Valley Banc's current ratio?
Ohio Valley Banc had current assets of $51.8 million and current liabilities of $0.0 million, a current ratio of 56,092.09 (it can cover its short-term obligations).
How much goodwill does Ohio Valley Banc have?
Ohio Valley Banc carried $7.3 million of goodwill and intangible assets, 0.5% of total assets, at the end of fiscal 2025.