Ohio Valley Banc Corp. (OVBC)

Ohio Valley Banc Corp. reported strong fourth-quarter and record fiscal year earnings for 2025, which increased consolidated net income. Third-quarter 2025 earnings highlighted double-digit profit growth and margin expansion. Cash dividends were declared in October 2025 and January 2026. The stock buyback program was extended in August 2025. As of January 16, 2026, Ohio Valley Banc had gained 16.5% in the preceding six months.

Loan Central, Inc., offers seasonal tax preparation services, suggesting a seasonal demand component for that particular offering. The company's strategic shift towards commercial real estate and residential real estate loans indicates a focus on segments that may have their own cyclical patterns related to economic conditions and real estate markets.

Ohio Valley Banc Corp. offers financial products and services through The Ohio Valley Bank Company and Loan Central, Inc., including deposit accounts, personal, commercial, construction, and real estate loans, credit card services, IRAs, safe deposit boxes, wire transfers, and income tax preparation services. The company invests in U.S. government and agency obligations and interest-bearing deposits. Ohio Valley Banc Corp. has shifted its focus to higher-margin segments like commercial and residential real estate.

Ohio Valley Banc Corp. operates through 18 offices of The Ohio Valley Bank Company across Ohio and West Virginia. Its subsidiary, Loan Central, Inc., has six consumer finance offices located in southern Ohio.

Ohio Valley Banc Corp. maintains a strong "Community First" mission, emphasizing its commitment to helping local communities thrive through various initiatives, including community service and financial education programs. There is no readily available information indicating any significant negative events that have affected Ohio Valley Banc Corp.'s reputation in the past year.

Ohio Valley Banc Corp. has a mixed ownership structure comprising institutional, retail, and individual investors. Institutional investors own approximately 17.96% to 22.06% of the company's stock. Insiders own about 5.35% of the stock, while public companies and individual investors hold approximately 76.69%. Recent insider trading activity includes Ryan Joseph Jones selling shares in December 2025, and Director Michael Seth Isaac purchasing shares in November 2025.