Ohio Valley Banc Corp. (OVBC) Income Statement
OVBC 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsOVBC revenue and net income
Where OVBC's revenue goes
2025Each bar shows an amount and its share of revenue. OVBC kept 16.6% of revenue as net income.
OVBC profit margins
OVBC growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +5.9% | +17.7% | +11.1% | +7.7% |
| Gross profit | +7.0% | +5.0% | +6.5% | +4.5% |
| Operating income | +45.4% | +6.9% | +9.6% | +5.5% |
| Net income | +41.8% | +5.4% | +8.7% | +6.2% |
| EPS (diluted) | +42.7% | +5.7% | +9.1% | +5.8% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
OVBC quarterly EPS vs estimates
Next report: October 26, 2026.
OVBC income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $94.2M | $88.9M | $74.5M | $57.8M | $54.6M | $55.6M | $58.2M | $58.1M | $55.1M | $47.6M |
| Cost of revenue | $30.5M | $29.4M | $17.9M | $2.8M | $3.3M | $9.2M | $8.3M | $6.5M | $6.5M | $5.8M |
| Gross profit | $63.7M | $59.5M | $56.6M | $55.0M | $51.3M | $46.4M | $50.0M | $51.6M | $48.6M | $41.7M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $3,008 | $29.2M | $25.0M | $23.4M | $24.7M | $26.0M | $28.2M | $27.1M | $25.9M | $23.0M |
| Total operating expenses | $44.2M | $46.1M | $41.4M | $39.0M | $37.3M | $34.1M | $38.2M | $37.4M | $36.6M | $32.9M |
| Operating income | $19.5M | $13.4M | $15.2M | $15.9M | $14.0M | $12.3M | $11.7M | $14.2M | $12.0M | $8.8M |
| Interest income | $84.9M | $75.4M | $57.6M | $47.6M | $44.7M | $46.2M | $49.9M | $48.8M | $45.3M | $39.0M |
| Interest expense | $27.5M | $27.0M | $15.8M | $2.8M | $3.7M | $6.2M | $7.3M | $5.5M | $4.0M | $3.0M |
| Income before taxes | $19.5M | $13.4M | $15.2M | $15.9M | $14.0M | $12.3M | $11.7M | $14.2M | $12.0M | $8.8M |
| Income taxes | $3.9M | $2.4M | $2.6M | $2.6M | $2.3M | $2.0M | $1.8M | $2.3M | $4.5M | $1.9M |
| Net income | $15.6M | $11.0M | $12.6M | $13.3M | $11.7M | $10.3M | $9.9M | $11.9M | $7.5M | $6.9M |
| EBITDA | $21.2M | $15.1M | $16.8M | $17.5M | $15.6M | $13.8M | $13.2M | $15.5M | $13.5M | $10.1M |
| EPS (diluted) | $3.31 | $2.32 | $2.64 | $2.80 | $2.45 | $2.14 | $2.08 | $2.52 | $1.98 | $1.61 |
| Gross margin | 67.6% | 66.9% | 75.9% | 95.1% | 94.0% | 83.5% | 85.8% | 88.8% | 88.1% | 87.7% |
| Operating margin | 20.6% | 15.0% | 20.4% | 27.6% | 25.7% | 22.1% | 20.1% | 24.4% | 21.8% | 18.6% |
| Net margin | 16.6% | 12.4% | 17.0% | 23.1% | 21.5% | 18.4% | 17.0% | 20.5% | 13.6% | 14.5% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $26.7M | $25.8M | $23.6M | $23.3M | $23.9M | $23.4M | $23.9M | $22.3M | $21.4M | $21.4M | $20.7M | $18.5M |
| Cost of revenue | $11.8M | $9.2M | $7.8M | $8.1M | $7.7M | $7.1M | $7.6M | $7.7M | $6.9M | $7.2M | $6.5M | $5.4M |
| Gross profit | $14.8M | $16.6M | $15.8M | $15.2M | $16.2M | $16.4M | $16.4M | $14.5M | $14.5M | $14.1M | $14.2M | $13.1M |
| Sales, general & admin | $7.4M | $6.9M | $655 | $6.8M | $779,000 | $6.5M | $9.2M | $7.0M | $6.6M | $6.5M | $6.2M | $6.3M |
| Total operating expenses | $11.2M | $11.3M | $10.9M | $11.5M | $11.0M | $10.8M | $13.3M | $11.2M | $10.9M | $10.7M | $10.3M | $10.4M |
| Operating income | $3.6M | $5.3M | $5.0M | $3.7M | $5.2M | $5.6M | $3.1M | $3.3M | $3.6M | $3.4M | $3.9M | $2.7M |
| Interest income | $23.4M | $22.4M | $22.8M | $21.5M | $20.9M | $19.7M | $19.9M | $19.3M | $18.6M | $17.6M | $17.0M | $15.9M |
| Interest expense | $8.1M | $7.6M | $7.4M | $7.0M | $6.5M | $6.7M | $7.0M | $6.8M | $6.7M | $6.5M | $5.8M | $4.6M |
| Income before taxes | $3.6M | $5.3M | $5.0M | $3.7M | $5.2M | $5.6M | $3.1M | $3.3M | $3.6M | $3.4M | $3.9M | $2.7M |
| Income taxes | $657,000 | $956,000 | $1.0M | $714,000 | $976,000 | $1.1M | $552,000 | $576,000 | $648,000 | $601,000 | $682,000 | $426,000 |
| Net income | $2.9M | $4.3M | $4.0M | $3.0M | $4.2M | $4.4M | $2.5M | $2.7M | $3.0M | $2.8M | $3.2M | $2.3M |
| EBITDA | $3.6M | $5.3M | $5.0M | $3.7M | $5.2M | $5.6M | $4.8M | $3.3M | $3.6M | $3.4M | $5.5M | $2.7M |
| EPS (diluted) | $0.62 | $0.91 | $0.84 | $0.64 | $0.89 | $0.94 | $0.53 | $0.58 | $0.63 | $0.58 | $0.68 | $0.47 |
| Gross margin | 55.6% | 64.3% | 67.1% | 65.4% | 68.0% | 69.8% | 68.4% | 65.2% | 67.8% | 66.1% | 68.6% | 70.6% |
| Operating margin | 13.4% | 20.4% | 21.1% | 16.1% | 21.7% | 23.7% | 12.8% | 14.8% | 17.0% | 15.9% | 18.9% | 14.5% |
| Net margin | 11.0% | 16.7% | 16.8% | 13.0% | 17.6% | 18.8% | 10.5% | 12.2% | 13.9% | 13.1% | 15.6% | 12.2% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in OVBC's financial statements (latest annual report filed March 13, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
OVBC financial results
In fiscal year 2025 (ended December 31, 2025), Ohio Valley Banc reported revenue of $94.2 million, up 5.9% from the year before. It had net income of $15.6 million (up 41.8%), a net profit margin of 16.6%. Diluted earnings per share came to $3.31. Over five years revenue grew at an average rate of 11.1% a year.
See the OVBC stock overview for the latest quote and news, or the OVBC chart for price history and technical indicators.
OVBC income statement FAQ
What is Ohio Valley Banc's annual revenue?
Ohio Valley Banc reported total revenue of $94.2 million for fiscal year 2025, which ended on December 31, 2025. That was up 5.9% from $88.9 million the previous year.
Is Ohio Valley Banc profitable?
Yes. Ohio Valley Banc reported net income of $15.6 million in fiscal 2025, a net profit margin of 16.6%; its operating margin was 20.6%.
What is Ohio Valley Banc's gross margin?
Ohio Valley Banc's gross margin was 67.6% in fiscal 2025: for every $100 of revenue, Ohio Valley Banc kept $68 after the direct cost of its products and services.
How fast is Ohio Valley Banc growing?
Revenue grew 11.1% a year on average over the last five fiscal years, from $55.6 million to $94.2 million.
What are Ohio Valley Banc's earnings per share?
Ohio Valley Banc earned $3.31 per diluted share in fiscal 2025, compared with $2.32 a year earlier.
When will Ohio Valley Banc report its next earnings?
Ohio Valley Banc is expected to report results for the quarter ending September 30, 2026 on October 26, 2026 after the market closes.
When does Ohio Valley Banc's fiscal year end?
Ohio Valley Banc's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 13, 2026.