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Apr 28, 2026·SEC
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Ohio Valley Banc Corp.(OVBC)Earnings, Financials & Key Ratios
OVBC•NASDAQ•Banking & Credit
14.5× P/E·Price updated Jun 19, 2026
AboutOhio 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 boxes, wire transfers, credit card services, 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 machine (ATM) services, consumer finance, seasonal tax preparation services, and commercial property and various liability insurance services, as well as trust and online-only consumer direct mortgage services. It operates sixteen offices in Ohio and West Virginia; and six consumer finance offices in Ohio. The company owns and operates thirty- six ATMs, including twenty off-site ATMs. Ohio Valley Banc Corp. was founded in 1872 and is headquartered in Gallipolis, Ohio.Show more
- Net Interest Income$58M+19.3%
- Total Revenue$94M+5.9%
- Net Income$16M+41.8%
- Return on Equity9.73%+30.2%
- Net Interest Margin3.65%+13.3%
- Efficiency Ratio46.93%-9.5%
- ROA1.01%+31.2%
- Equity / Assets10.76%+7.6%
- Book Value per Share36.14+13.9%
OVBC Key Insights
Ohio Valley Banc Corp. (OVBC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 8/9
- ✓Strong NIM of 3.6%
- ✓Efficient operations: 46.9% efficiency ratio
- ✓Well capitalized: 10.8% equity/assets
- ✓Trading at only 1.3x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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OVBC Price & Volume
Ohio Valley Banc Corp. (OVBC) stock price & volume — 10-year historical chart
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OVBC Growth Metrics
Ohio Valley Banc Corp. (OVBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years7.68%
5 Years11.12%
3 Years17.7%
TTM-
Profit CAGR
10 Years6.17%
5 Years8.75%
3 Years5.36%
TTM41.84%
EPS CAGR
10 Years4.76%
5 Years9.11%
3 Years5.74%
TTM42.67%
Return on Capital
10 Years6.91%
5 Years6.35%
3 Years5.17%
Last Year2.15%
OVBC Recent Earnings
Ohio Valley Banc Corp. (OVBC) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 28, 2026Metric
Actual
Est
EPS
$0.91
—
Rev
$26M
—
Q2 2026
Mar 13, 2026Metric
Actual
Est
EPS
$0.84
—
Rev
$24M
—
Q1 2026
Jan 27, 2026Metric
Actual
Est
EPS
$0.84
—
Rev
$24M
—
Q4 2025
Oct 27, 2025Metric
Actual
Est
EPS
$0.64
—
Rev
—
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $0.91 | $26M |
| Q2 2026 | Mar 13, 2026 | $0.84 | $24M |
| Q1 2026 | Jan 27, 2026 | $0.84 | $24M |
| Q4 2025 | Oct 27, 2025 | $0.64 | — |
Based on last 12 quarters of dataView full earnings history →
OVBC Peer Comparison
Ohio Valley Banc Corp. (OVBC) competitors in Specialty finance and niche lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 FXNC | 265.44M | 29.36 | 14.98 | 27.11% | 15.35% | 9.98% | 0.23 | |
 CZWI | 205.47M | 21.34 | 14.62 | -9.41% | 16.01% | 7.81% | 0.28 | |
 BSVN | 438.24M | 45.65 | 10.14 | -3.87% | 31.38% | 18.21% | ||
 MVBF | 354.9M | 27.63 | 13.41 | 18.96% | 13.74% | 8.46% | 0.23 | |
 CHMG | 341.44M | 70.97 | 22.67 | -6.46% | 10.79% | 6.27% | 0.02 | |
 HONE | 522.22M | 12.10 | 18.33 | 10.7% | 8.56% | 4.56% | 0.90 | |
 CFFI | 255.12M | 78.36 | 9.45 | 11.78% | 14.6% | 10.82% | 0.44 | |
 FBIZ | 503.41M | 60.34 | 9.96 | 6.43% | 18.74% | 14.12% | 0.70 |
Compare OVBC vs Peers
Ohio Valley Banc Corp. (OVBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
OVBC Income Statement
Ohio Valley Banc Corp. (OVBC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 41.34M | 43.29M | 42.66M | 39.74M | 40.78M | 44.46M | 45.7M | 48.42M | 57.74M |
NII Growth % | 14.76% | 4.7% | -1.45% | -6.85% | 2.63% | 9.02% | 2.79% | 5.94% | 19.26% |
Net Interest Margin % | 4.03% | 4.2% | 4.21% | 3.35% | 3.26% | 3.67% | 3.38% | 3.22% | 3.65% |
Interest Income | 45.71M | 49.2M | 50.32M | 45.93M | 44.48M | 47.3M | 61.54M | 75.38M | 85.24M |
Interest Expense | 3.98M | 5.47M | 7.26M | 6.19M | 3.7M | 2.84M | 15.84M | 26.96M | 27.49M |
Loan Loss Provision | 2.56M | 1.04M | 1M | 2.98M | -419K | -32K | 2.09M | 2.47M | 3.05M |
Non-Interest Income | 9.44M | 8.94M | 7.91M | 9.68M | 10.1M | 10.48M | 12.95M | 13.55M | 8.97M |
Non-Interest Income % | 17.11% | 15.37% | 13.58% | 17.41% | 18.5% | 18.13% | 17.39% | 15.24% | 9.52% |
Total Revenue | 55.14M▲ 0% | 58.13M▲ 5.4% | 58.23M▲ 0.2% | 55.61M▼ 4.5% | 54.58M▼ 1.9% | 57.78M▲ 5.9% | 74.49M▲ 28.9% | 88.93M▲ 19.4% | 94.21M▲ 5.9% |
Revenue Growth % | 15.88% | 5.43% | 0.16% | -4.49% | -1.86% | 5.87% | 28.93% | 19.38% | 5.93% |
Non-Interest Expense | 36.61M | 37.43M | 38.24M | 34.13M | 37.28M | 39.04M | 41.37M | 46.13M | 44.21M |
Efficiency Ratio | 66.39% | 64.38% | 65.68% | 61.38% | 68.31% | 67.57% | 55.53% | 51.87% | 46.93% |
Operating Income | 11.99M▲ 0% | 14.2M▲ 18.4% | 11.72M▼ 17.5% | 12.31M▲ 5.0% | 14.02M▲ 13.9% | 15.93M▲ 13.7% | 15.2M▼ 4.6% | 13.38M▼ 12.0% | 19.45M▲ 45.4% |
Operating Margin % | 21.75% | 24.42% | 20.13% | 22.13% | 25.68% | 27.57% | 20.4% | 15.04% | 20.65% |
Operating Income Growth % | 35.69% | 18.37% | -17.46% | 5.01% | 13.89% | 13.67% | -4.61% | -11.99% | 45.42% |
Pretax Income | 11.99M▲ 0% | 14.2M▲ 18.4% | 11.72M▼ 17.5% | 12.31M▲ 5.0% | 14.02M▲ 13.9% | 15.93M▲ 13.7% | 15.2M▼ 4.6% | 13.38M▼ 12.0% | 19.45M▲ 45.4% |
Pretax Margin % | 21.75% | 24.42% | 20.13% | 22.13% | 25.68% | 27.57% | 20.4% | 15.04% | 20.65% |
Income Tax | 4.49M | 2.25M | 1.81M | 2.05M | 2.28M | 2.59M | 2.57M | 2.38M | 3.85M |
Effective Tax Rate % | 37.4% | 15.88% | 15.47% | 16.64% | 16.3% | 16.28% | 16.89% | 17.77% | 19.8% |
Net Income | 7.51M▲ 0% | 11.94M▲ 59.1% | 9.91M▼ 17.1% | 10.26M▲ 3.6% | 11.73M▲ 14.4% | 13.34M▲ 13.7% | 12.63M▼ 5.3% | 11M▼ 12.9% | 15.6M▲ 41.8% |
Net Margin % | 13.62% | 20.55% | 17.01% | 18.45% | 21.5% | 23.08% | 16.96% | 12.37% | 16.56% |
Net Income Growth % | 8.51% | 59.06% | -17.05% | 3.55% | 14.36% | 13.69% | -5.3% | -12.92% | 41.84% |
Net Income (Continuing) | 7.51M | 11.94M | 9.91M | 10.26M | 11.73M | 13.34M | 12.63M | 11M | 15.6M |
EPS (Diluted) | 1.60▲ 0% | 2.53▲ 58.1% | 2.08▼ 17.8% | 2.14▲ 2.9% | 2.45▲ 14.5% | 2.80▲ 14.3% | 2.65▼ 5.4% | 2.33▼ 12.1% | 3.31▲ 42.1% |
EPS Growth % | 0.63% | 58.13% | -17.79% | 2.88% | 14.49% | 14.29% | -5.36% | -12.08% | 42.06% |
EPS (Basic) | 1.60 | 2.53 | 2.08 | 2.14 | 2.45 | 2.80 | 2.65 | 2.33 | 3.31 |
Diluted Shares Outstanding | 4.69M | 4.73M | 4.77M | 4.79M | 4.78M | 4.77M | 4.78M | 4.74M | 4.71M |
OVBC Balance Sheet
Ohio Valley Banc Corp. (OVBC) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 177.52M | 175.41M | 160.03M | 253.13M | 331.36M | 231.93M | 290.38M | 281.72M | 268.75K |
Cash & Due from Banks | 76.39M | 73.25M | 54.72M | 140.8M | 154.36M | 47.85M | 128.13M | 83.11M | 14.85K |
Short Term Investments | 101.13M | 102.16M | 105.32M | 112.32M | 177M | 184.07M | 162.26M | 198.61M | 253.91K |
Total Investments | 880.53M | 888.3M | 884.51M | 964.48M | 1.01B | 1.07B | 1.13B | 1.33B | 253.91K |
Investments Growth % | 4.53% | 0.88% | -0.43% | 9.04% | 4.97% | 6.05% | 5.61% | 17.06% | -99.98% |
Long-Term Investments | 779.4M | 786.14M | 779.19M | 852.16M | 835.44M | 889.6M | 971.69M | 1.13B | 0 |
Accounts Receivables | 2.5M | 2.64M | 2.56M | 3.32M | 2.69M | 3.11M | 3.61M | 4.8M | 5.48K |
Goodwill & Intangibles | 7.88M | 7.75M | 7.49M | 7.43M | 7.38M | 7.35M | 7.33M | 7.32M | 7.32M |
Goodwill | 7.37M | 7.37M | 7.32M | 7.32M | 7.32M | 7.32M | 7.32M | 7.32M | 7.32M |
Intangible Assets | 514K | 379K | 174K | 112K | 64K | 29K | 8K | 0 | 0 |
PP&E (Net) | 13.28M | 14.86M | 20.27M | 22.19M | 21.93M | 21.73M | 22.66M | 22.25M | 21.43M |
Other Assets | 45.7M | 43.7M | 43.72M | 48.7M | 48.53M | 50.81M | 50.16M | 51.3M | -34.34M |
Total Current Assets | 180.02M | 178.05M | 162.6M | 256.44M | 334.06M | 235.04M | 293.99M | 286.52M | 51.77M |
Total Non-Current Assets | 846.27M | 852.45M | 850.67M | 930.49M | 915.71M | 975.75M | 1.06B | 1.22B | 34.37K |
Total Assets | 1.03B▲ 0% | 1.03B▲ 0.4% | 1.01B▼ 1.7% | 1.19B▲ 17.1% | 1.25B▲ 5.3% | 1.21B▼ 3.1% | 1.35B▲ 11.7% | 1.5B▲ 11.2% | 1.58B▲ 5.3% |
Asset Growth % | 7.51% | 0.41% | -1.67% | 17.14% | 5.29% | -3.12% | 11.67% | 11.19% | 5.27% |
Return on Assets (ROA) | 0.76% | 1.16% | 0.97% | 0.93% | 0.96% | 1.08% | 0.99% | 0.77% | 1.01% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 44.45M | 48.21M | 43.54M | 37.24M | 29.31M | 27.74M | 54.3M | 49.26M | 55.19M |
Net Debt | -31.94M | -25.03M | -11.17M | -103.56M | -125.05M | -20.11M | -73.83M | -33.84M | 55.18M |
Long-Term Debt | 44.45M | 48.21M | 42.49M | 36.36M | 28.11M | 26.45M | 53.09M | 48.24M | 54.27M |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Liabilities | 0 | 0 | 0 | 0 | 19.2M | 20.36M | 26.69M | 28.64M | 1.36B |
Total Current Liabilities | 872.48M | 864.41M | 841.55M | 1.01B | 1.06B | 1.03B | 1.13B | 1.28B | 923 |
Total Non-Current Liabilities | 44.45M | 48.21M | 43.54M | 37.24M | 48.51M | 48.1M | 80.99M | 77.91M | 1.41B |
Total Liabilities | 916.93M | 912.62M | 885.09M | 1.05B | 1.11B | 1.08B | 1.21B | 1.35B | 1.41B |
Total Equity | 109.36M▲ 0% | 117.87M▲ 7.8% | 128.18M▲ 8.7% | 136.32M▲ 6.4% | 141.36M▲ 3.7% | 135.03M▼ 4.5% | 144.01M▲ 6.6% | 150.33M▲ 4.4% | 170.26M▲ 13.3% |
Equity Growth % | 4.62% | 7.78% | 8.74% | 6.35% | 3.69% | -4.48% | 6.65% | 4.39% | 13.26% |
Equity / Assets (Capital Ratio) | 10.66% | 11.44% | 12.65% | 11.49% | 11.31% | 11.15% | 10.65% | 10% | 10.76% |
Return on Equity (ROE) | 7.02% | 10.51% | 8.05% | 7.76% | 8.45% | 9.65% | 9.05% | 7.47% | 9.73% |
Book Value per Share | 23.34 | 24.94 | 26.89 | 28.48 | 29.57 | 28.31 | 30.16 | 31.73 | 36.14 |
Tangible BV per Share | 21.66 | 23.30 | 25.32 | 26.92 | 28.02 | 26.77 | 28.62 | 30.19 | 34.59 |
Common Stock | 5.36M | 5.4M | 5.45M | 5.45M | 5.45M | 5.46M | 5.47M | 5.49M | 5.49M |
Additional Paid-in Capital | 47.9M | 49.48M | 51.16M | 51.16M | 51.16M | 51.72M | 51.84M | 52.32M | 52.32M |
Retained Earnings | 72.69M | 80.84M | 86.75M | 92.99M | 100.7M | 109.32M | 114.87M | 121.69M | 133.01M |
Accumulated OCI | -878K | -2.13M | 528K | 2.44M | 708K | -14.81M | -11.43M | -10.48M | -1.87M |
Treasury Stock | -15.71M | -15.71M | -15.71M | -15.71M | -16.67M | -16.67M | -16.75M | -18.69M | -18.69M |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
OVBC Cash Flow Statement
Ohio Valley Banc Corp. (OVBC) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 14.5M | 18.14M | 14.75M | 12.49M | 13.14M | 15.99M | 20.75M | 13.1M | 18.06M |
Operating CF Growth % | 8.45% | 25.14% | -18.68% | -15.33% | 5.17% | 21.72% | 29.75% | -36.87% | 37.92% |
Net Income | 7.51M | 11.94M | 9.91M | 10.26M | 11.73M | 13.34M | 12.63M | 11M | 15.6M |
Depreciation & Amortization | 1.5M | 1.33M | 1.46M | 1.53M | 1.61M | 1.57M | 1.64M | 1.74M | 0 |
Deferred Taxes | 1.91M | -134K | 367K | 12K | -130K | 288K | -745K | -1.18M | 0 |
Other Non-Cash Items | 1.31M | 898K | -1.28M | 1.87M | 442K | 704K | 550K | -111K | 3.45M |
Working Capital Changes | 1.84M | 3.81M | 3.98M | -1.79M | -519K | -485K | 6.55M | 1.15M | -990K |
Cash from Investing | -42.18M | -12.73M | -26.41M | -88.69M | -52.4M | -83.39M | -59.79M | -195.18M | -110.58M |
Purchase of Investments | -25.57M | -23.76M | -20.13M | -41.88M | -161.69M | -66.82M | -586K | -137.95M | 0 |
Sale/Maturity of Investments | 21.81M | 22.85M | 23.95M | 38.85M | 92.67M | 39.53M | 28.18M | 35.66M | 0 |
Net Investment Activity | -3.76M | -907K | 3.83M | -3.04M | -69.02M | -27.29M | 27.6M | -102.29M | 0 |
Acquisitions | 0 | 0 | -26.33M | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | -36.7M | -9.09M | 2.32M | -82.2M | 17.7M | -54.11M | -84.7M | -91.46M | -110.58M |
Cash from Financing | 62.09M | -8.81M | -7.17M | 162.14M | 52.95M | -38.64M | 121.18M | 137.07M | 55.31M |
Dividends Paid | -3.93M | -3.97M | -4M | -4.02M | -4.02M | -4.72M | -4.87M | -4.18M | -4.29M |
Share Repurchases | 0 | 0 | 0 | 0 | -954K | 0 | -82K | -1.95M | 0 |
Stock Issued | 715K | 1.32M | 1.41M | 0 | 0 | 0 | 0 | 0 | 0 |
Net Stock Activity | 715K | 1.32M | 1.41M | 0 | -954K | 0 | -82K | -1.95M | 0 |
Debt Issuance (Net) | -1000K | 1000K | -1000K | -1000K | -1000K | -1000K | 1000K | -1000K | 1000K |
Other Financing | 66.44M | -9.93M | 1.15M | 172.29M | 66.17M | -32.25M | 99.48M | 148.04M | 54.49M |
Net Change in Cash | 34.41M▲ 0% | -3.39M▼ 109.9% | -18.82M▼ 454.8% | 85.95M▲ 556.6% | 13.73M▼ 84.0% | -106.04M▼ 872.3% | 82.14M▲ 177.5% | -45.02M▼ 154.8% | -37.21M▲ 17.3% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 40.17M | 74.57M | 71.18M | 52.36M | 138.3M | 152.03M | 45.99M | 128.13M | 83.11M |
Cash at End | 74.57M | 71.18M | 52.36M | 138.3M | 152.03M | 45.99M | 128.13M | 83.11M | 45.9M |
Interest Paid | 3.72M | 5.01M | 6.93M | 6.68M | 4.36M | 2.85M | 9.67M | 28.32M | 26.14M |
Income Taxes Paid | 2.24M | 2.05M | 890K | 2.05M | 2.8M | 1.98M | 2.75M | 3.35M | 4.67M |
Free Cash Flow | 12.77M▲ 0% | 15.42M▲ 20.7% | 8.52M▼ 44.7% | 9.04M▲ 6.1% | 12.05M▲ 33.3% | 14M▲ 16.2% | 18.06M▲ 29.0% | 11.66M▼ 35.4% | 17.03M▲ 46.0% |
FCF Growth % | 9.3% | 20.73% | -44.73% | 6.1% | 33.3% | 16.18% | 28.97% | -35.41% | 45.98% |
OVBC Banking Ratios
Ohio Valley Banc Corp. (OVBC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 7.1% | 7.02% | 10.51% | 8.05% | 7.76% | 8.45% | 9.65% | 9.05% | 7.47% | 9.73% |
Return on Assets (ROA) | 0.79% | 0.76% | 1.16% | 0.97% | 0.93% | 0.96% | 1.08% | 0.99% | 0.77% | 1.01% |
Net Interest Margin | 3.77% | 4.03% | 4.2% | 4.21% | 3.35% | 3.26% | 3.67% | 3.38% | 3.22% | 3.65% |
Efficiency Ratio | 69.13% | 66.39% | 64.38% | 65.68% | 61.38% | 68.31% | 67.57% | 55.53% | 51.87% | 46.93% |
Equity / Assets | 10.95% | 10.66% | 11.44% | 12.65% | 11.49% | 11.31% | 11.15% | 10.65% | 10% | 10.76% |
Book Value / Share | 24.02 | 23.34 | 24.94 | 26.89 | 28.48 | 29.57 | 28.31 | 30.16 | 31.73 | 36.14 |
NII Growth | 8.5% | 14.76% | 4.7% | -1.45% | -6.85% | 2.63% | 9.02% | 2.79% | 5.94% | 19.26% |
Dividend Payout | 51.81% | 52.36% | 33.21% | 40.38% | 39.2% | 34.25% | 35.39% | 38.56% | 37.98% | 27.48% |
Related:OVBC Dividend History·OVBC Revenue History·OVBC Price History·OVBC P/E History·OVBC Financial Ratios·OVBC Institutional Holders
OVBC SEC Filings & Documents
Ohio Valley Banc Corp. (OVBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
OVBC Frequently Asked Questions
Ohio Valley Banc Corp. (OVBC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Ohio Valley Banc Corp. (OVBC) grew revenue by 5.9% over the past year. This is steady growth.
Yes, Ohio Valley Banc Corp. (OVBC) is profitable, generating $15.6M in net income for fiscal year 2025 (16.6% net margin).
Dividend & Returns
Yes, Ohio Valley Banc Corp. (OVBC) pays a dividend with a yield of 1.89%. This makes it attractive for income-focused investors.
Ohio Valley Banc Corp. (OVBC) has a return on equity (ROE) of 9.7%. This is below average, suggesting room for improvement.
Industry Metrics
Ohio Valley Banc Corp. (OVBC) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.
Ohio Valley Banc Corp. (OVBC) has an efficiency ratio of 46.9%. This is excellent, indicating strong cost control.