Ohio Valley Banc Corp.
Description
Ohio Valley Banc Corp. operates as the bank holding company for The Ohio Valley Bank Company that provides commercial and consumer banking products and services. The company operates in two segments, Banking and Consumer Finance. It accepts various deposit products, including checking, savings, time, and money market accounts, as well as individual retirement accounts, demand deposits, NOW accounts, and certificates of deposit. The company also provides various residential real estate loans, including one-to four-family residential mortgages; commercial loans for securing equipment, inventory, stock, commercial real estate, and rental property; and consumer loans secured by automobiles, mobile homes, recreational vehicles, and other personal property, as well as personal loans, unsecured credit card receivables, floor plan and student loans, and construction loans. In addition, it offers safe deposit box, wire transfer, credit card, home equity loans, and Internet banking services; and financial management online services, such as cash management and news updates related to repossession auctions, current rates, and general bank news. Further, the company provides automatic teller machines (ATMs), consumer finance, seasonal tax preparation, commercial property, and various liability insurance services, as well as trust and online-only consumer direct mortgage services. The company owns and operates ATMs, including off-site ATMs. It operates offices in Ohio and West Virginia. The company was founded in 1872 and is based in Gallipolis, Ohio.
About
CEO
Mr. Larry E. Miller II
Employees
270
Instrument type
Common Stock
Sector
Financial Services
Industry
Banks - Regional
MIC code
XNMS
Address
420 Third Avenue, Gallipolis, OH 45631, United States
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Oscillators
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Summary
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Moving Averages
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Earnings
| Date | Estimate EPS | Actual EPS | Difference | % Surprise |
|---|---|---|---|---|
| Jan 26, 2026 | — | — | — | — |
| Oct 27, 2025 | — | — | — | — |
| Jul 24, 2025 | — | — | — | — |
| Apr 23, 2025 | — | — | — | — |
| Apr 27, 2023 | — | 0.82 | — | — |
Earnings estimate
| Number of analysts | — | — | — | — |
|---|---|---|---|---|
| Average estimate | — | — | — | — |
| Low estimate | — | — | — | — |
| High estimate | — | — | — | — |
| Last year EPS | — | — | — | — |
[stock_revenue_estimate]
Growth estimates
Current qtr
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Next qtr.
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Current year
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Next year
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Next 5 years (per annum)
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Past 5 years (per annum)
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Income statement
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total reported revenue | 58.66M | 54.94M | 50.88M | 49.42M | 50.96M |
| Cost of revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating expense | |||||
| Research & development | — | — | — | — | — |
| Selling general and admin | 24.97M | 23.38M | 24.66M | 26.04M | 28.18M |
| Other operating expenses | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Non operating interest income | |||||
| Income | — | — | — | — | — |
| Expense | — | — | — | — | — |
| Other income expense | — | — | — | — | — |
| Pretax income | 15.20M | 15.93M | 14.02M | 12.31M | 11.72M |
| Tax provision | 2.57M | 2.59M | 2.28M | 2.05M | 1.81M |
| Net income | 12.63M | 13.34M | 11.73M | 10.26M | 9.91M |
| Basic EPS | 2.65 | 2.80 | 2.45 | 2.14 | 2.08 |
| Diluted EPS | 2.65 | 2.80 | 2.45 | 2.14 | 2.08 |
| Basic average shares | 4.77M | 4.77M | 4.78M | 4.79M | 4.77M |
| Diluted average shares | 4.77M | 4.77M | 4.78M | 4.79M | 4.77M |
| EBITDA | — | — | — | — | — |
| Net income from continuing op. | 12.63M | 13.34M | 11.73M | 10.26M | 9.91M |
| Minority interests | — | — | — | — | — |
| Preferred stock dividends | — | — | — | — | — |
Balance sheet
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | — | — | — | — | — |
| Current assets | |||||
| Cash | 14.25M | 14.33M | 14.11M | 14.99M | 12.81M |
| Cash equivalents | — | — | — | — | — |
| Cash and cash equivalents | 128.13M | 47.85M | 154.36M | 140.80M | 54.72M |
| Other short term investments | 162.26M | 184.07M | 177.00M | 112.32M | 105.32M |
| Accounts receivable | 3.61M | 3.11M | 2.70M | 3.32M | 2.56M |
| Other receivables | — | — | — | — | — |
| Inventory | — | — | — | — | — |
| Prepaid assets | — | — | — | — | — |
| Restricted cash | — | — | — | — | — |
| Assets held for sale | — | — | — | — | — |
| Hedging assets | — | — | — | — | — |
| Other current assets | — | — | — | — | — |
| Non current assets | |||||
| Properties | 1.21M | 1.29M | 1.20M | 880,000 | 1.05M |
| Land and improvements | 2.57M | 2.49M | 2.57M | 2.72M | 2.63M |
| Machinery furniture equipment | 11.14M | 10.41M | 9.53M | 8.89M | 6.85M |
| Construction in progress | — | — | — | — | — |
| Leases | 1.56M | 1.51M | 1.40M | 1.30M | 1.27M |
| Accumulated depreciation | -17.68M | -16.50M | -15.13M | -13.68M | -12.42M |
| Goodwill | 14.65M | 14.67M | 14.70M | 14.75M | 14.81M |
| Investment properties | — | — | — | — | — |
| Financial assets | — | — | — | — | — |
| Intangible assets | 8,000 | 29,000 | 64,000 | 112,000 | 174,000 |
| Investments and advances | 170.24M | 193.30M | 187.29M | 122.34M | 117.35M |
| Other non current assets | — | — | — | — | — |
| Total liabilities | — | — | — | — | — |
| Current liabilities | |||||
| Accounts payable | — | — | — | — | — |
| Accrued expenses | — | — | — | 19.63M | 20.08M |
| Short term debt | — | — | — | — | — |
| Deferred revenue | — | — | — | — | — |
| Tax payable | — | — | — | — | — |
| Pensions | — | — | — | — | — |
| Other current liabilities | — | — | — | — | — |
| Non current liabilities | |||||
| Long term debt | 54.30M | 27.74M | 29.31M | 37.24M | 43.54M |
| Provision for risks and charges | — | — | — | — | — |
| Deferred liabilities | — | — | — | — | — |
| Derivative product liabilities | — | — | — | — | — |
| Other non current liabilities | — | — | — | — | — |
| Shareholders equity | |||||
| Common stock | 5.47M | 5.47M | 5.45M | 5.45M | 5.45M |
| Retained earnings | 114.87M | 109.32M | 100.70M | 92.99M | 86.75M |
| Other shareholders equity | -11.43M | -14.81M | 708,000 | 2.44M | 528,000 |
| Total shareholders equity | 144.01M | 135.03M | 141.36M | 136.32M | 128.18M |
| Additional paid in capital | 51.84M | 51.72M | 51.17M | 51.17M | 51.17M |
| Treasury stock | 16.75M | 16.67M | 16.67M | 15.71M | 15.71M |
| Minority interest | — | — | — | — | — |
Cash flow statement
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||||||||||||||||||
| Net Income | 12.63M | 13.34M | 11.73M | 10.26M | 9.91M | 11.94M | 7.51M | 6.92M | 8.57M | 8.07M | 8.11M | 7.05M | 5.84M | 5.10M | 6.65M | 7.13M | 6.30M | 5.40M | 7.02M | 8.38M | 6.47M | 5.68M | 4.90M | 4.40M | 4.30M | 4.10M | 3.80M | 3.30M |
| Depreciation | 1.64M | 1.57M | 1.61M | 1.53M | 1.46M | 1.33M | 1.50M | 1.27M | 965,000 | 872,000 | 945,000 | 1.15M | 1.09M | 1.19M | 1.07M | 993,000 | 1.05M | 1.12M | 1.27M | 1.44M | 1.33M | 1.29M | 1.42M | 1.68M | 1.40M | 1.10M | 800,000 | 600,000 |
| Deferred Taxes | -745,000 | 288,000 | -130,000 | 12,000 | 367,000 | -134,000 | 1.91M | -725,000 | 591,000 | -517,000 | 144,000 | -206,000 | 340,000 | -462,000 | -2,000 | -102,000 | 908,000 | -903,000 | -293,000 | 63,000 | -364,000 | -392,000 | -368,000 | -292,000 | -300,000 | -400,000 | — | -200,000 |
| Stock-Based Compensation | 125,000 | 575,000 | — | — | 328,000 | 295,000 | 428,000 | 575,000 | — | 351,000 | 640,000 | 617,000 | 496,000 | 315,000 | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Non-Cash Items | -864,000 | -155,000 | -13,000 | 427,000 | -831,000 | -542,000 | -1.35M | -775,000 | -538,000 | -469,000 | -103,000 | -337,000 | -381,000 | -202,000 | -57.04M | -11.58M | 2.60M | 5.32M | 1.89M | -114,000 | 4.78M | 5.61M | 3.19M | 1.57M | 2.20M | 2.40M | 1.30M | 1.50M |
| Accounts Receivable | -494,000 | -417,000 | 624,000 | -755,000 | 74,000 | -135,000 | -188,000 | -496,000 | -13,000 | 95,000 | 156,000 | 815,000 | -168,000 | 192,000 | 276,000 | 82,000 | — | — | — | — | — | — | — | — | — | — | — | — |
| Accounts Payable | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Assets & Liabilities | 7.04M | -68,000 | -1.14M | -408,000 | 1.53M | 2.00M | 347,000 | 1.72M | -678,000 | -366,000 | 1.13M | -756,000 | 857,000 | 866,000 | -3.85M | 156,000 | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Cash Flow | 19.33M | 15.13M | 12.68M | 11.06M | 12.83M | 14.76M | 10.15M | 8.49M | 8.90M | 8.04M | 11.02M | 8.34M | 8.07M | 6.99M | -52.90M | -3.33M | 10.86M | 10.93M | 9.89M | 9.77M | 12.22M | 12.18M | 9.14M | 7.36M | 7.60M | 7.20M | 5.90M | 5.20M |
| Investing Activities | ||||||||||||||||||||||||||||
| Capital Expenditures | -2.47M | -1.57M | -599,000 | -3.44M | -5.83M | -2.73M | -1.73M | -1.68M | -1.95M | -985,000 | -1.15M | -437,000 | -449,000 | -673,000 | 79,000 | -1.30M | 3.23M | -1.80M | -673,000 | -955,000 | -1.98M | -55.55M | -639,000 | -844,000 | -2.70M | -2.00M | -1.70M | -1.30M |
| Net Intangibles | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Acquisitions | — | — | — | — | -26.33M | — | — | 1.77M | — | 810,000 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Purchase of Investments | -586,000 | -66.82M | -161.69M | -41.88M | -20.13M | -23.76M | -25.57M | -21.78M | -33.88M | -16.96M | -19.80M | -46.37M | -45.08M | -78.14M | -51.39M | -23.85M | -19.16M | -17.53M | -21.22M | -30.81M | -46.13M | -45.76M | -26.99M | -11.80M | -14.80M | -21.80M | -24.20M | -9.50M |
| Sale of Investments | 28.19M | 39.53M | 92.67M | 38.85M | 23.95M | 22.85M | 21.81M | 21.68M | 29.12M | 16.15M | 26.39M | 35.91M | 44.64M | 69.22M | 42.96M | 26.69M | 9.98M | 12.62M | 21.87M | 32.59M | 44.92M | 32.50M | 28.21M | 9.38M | 13.80M | 23.30M | 18.90M | 25.50M |
| Investing Cash Flow | 25.84M | -28.81M | -69.76M | -10.51M | -28.44M | -2.50M | -4.11M | -180,000 | -9.25M | 1.03M | 8.63M | -10.37M | -2.74M | -8.37M | -7.63M | 950,000 | -25.50M | -18.13M | -20.29M | -24.88M | -24.30M | -69.52M | -65.03M | -42.89M | -69.70M | -66.30M | -24.30M | -28.80M |
| Financing Activities | ||||||||||||||||||||||||||||
| Long-Term Debt Issuance | 30.00M | 2,000 | 600,000 | — | — | 8.00M | 4.79M | 15.00M | 400,000 | 7.58M | 5.85M | 2.00M | 703,000 | 11.48M | 6.05M | 13.00M | 46.33M | 5.00M | 13.52M | 11.00M | 7.50M | 24.57M | 54.13M | 30.25M | 8.50M | 35.20M | 11.40M | 4.50M |
| Long-Term Debt Payments | -3.37M | -1.91M | -7.79M | -5.50M | -5.72M | -4.15M | -5.78M | -1.88M | -1.67M | -1.61M | -6.39M | -7.79M | -7.56M | -26.28M | -40.12M | -16.01M | -22.56M | -28.66M | -28.84M | -20.63M | -15.44M | -13.04M | -13.62M | -25.63M | -9.80M | -8.50M | -6.70M | -2.90M |
| Other Financing Charges | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | -12,000 | — | — | — | — | — | 19.40M | — | 4.10M | -800,000 |
| Financing Cash Flow | 21.70M | -6.39M | -13.22M | -10.15M | -8.32M | 1.12M | -4.35M | 9.55M | -4.82M | 2.89M | -3.33M | -10.35M | -10.81M | -18.31M | -61.36M | 4.44M | 18.35M | -21.98M | -13.78M | -12.54M | -5.38M | 14.54M | 45.43M | 6.87M | 10.70M | 41.00M | 9.00M | 9.60M |
| Other Cash Details | ||||||||||||||||||||||||||||
| End Cash Position | 128.13M | 45.99M | 152.03M | 138.30M | 52.36M | 71.18M | 74.57M | 40.17M | 45.53M | 30.98M | 28.34M | 45.65M | 51.63M | 59.75M | 15.67M | 18.29M | 16.89M | 20.77M | 19.62M | 16.28M | 17.75M | 23.45M | 26.29M | 14.57M | 19.00M | 12.70M | 7.90M | 8.70M |
| Income Tax Paid | 2.75M | 1.98M | 2.80M | 2.05M | 890,000 | 2.05M | 2.24M | 1.73M | 2.45M | 3.57M | 2.95M | 4.03M | 445,000 | 2.02M | 2.73M | 2.83M | — | — | — | — | — | — | — | — | — | — | — | — |
| Interest Paid | 9.67M | 2.85M | 4.36M | 6.68M | 6.93M | 5.01M | 3.72M | 2.93M | 2.78M | 3.27M | 4.16M | 6.86M | 10.88M | 15.02M | 17.79M | 22.64M | — | — | — | — | — | — | — | — | — | — | — | — |
| Free Cash Flow | 18.06M | 14.00M | 12.10M | 9.04M | 8.52M | 15.42M | 12.77M | 11.68M | 8.45M | 10.70M | 12.01M | 10.39M | 15.73M | 11.66M | 3.96M | 8.05M | 11.29M | 10.34M | 9.86M | 9.61M | 11.24M | -44.99M | 8.15M | 5.27M | 3.60M | 5.80M | 3.80M | 4.10M |
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Article
Ohio Valley Banc Corp. Reports 4th Quarter and Fiscal Year Earnings
GALLIPOLIS, Ohio , Jan. 28, 2025 /PRNewswire/ -- Ohio Valley Banc Corp. [Nasdaq: OVBC] (the "Company") reported consolidated net income for the quarter ended December 31, 2024, of $2,515,000, a decrease of $708,000 from the same period the prior year. Earnings per share for the fourth quarter of 2024 were $.53 compared to $.68 for the prior year fourth quarter.
Jan 28, 2025
Article
OVBC ANNOUNCES CASH DIVIDEND
GALLIPOLIS, Ohio , Jan. 14, 2025 /PRNewswire/ -- On Tuesday Jan. 14, 2025, Ohio Valley Banc Corp. [Nasdaq: OVBC] Board of Directors declared a cash dividend of $0.22 per common share payable on Feb. 10, 2025, to shareholders of record as of the close of business on Jan. 24, 2025. "We begin each new year in anticipation of the opportunities we have before us as well as the challenges we may face.
Jan 14, 2025
Article
Ohio Valley Banc Corp. Reports 3rd Quarter Earnings
GALLIPOLIS, Ohio , Oct. 28, 2024 /PRNewswire/ -- Ohio Valley Banc Corp. [Nasdaq: OVBC] (the "Company") reported consolidated net income for the quarter ended September 30, 2024, of $2,719,000, an increase of $468,000, or 20.8%, from the same period the prior year. Earnings per share for the third quarter of 2024 were $.58 compared to $.47 for the prior year third quarter.
Oct 28, 2024
