Ohio Valley Banc Corp. (OVBC) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 14.89M | 15.76M | 14.5M | 14.44M | 13.04M | 12.97M | 12.49M | 11.87M | 11.09M | 11.23M | 11.3M | 11.54M | 11.63M | 12.3M | 11.75M | 10.48M | 9.93M | 10.33M | 10.3M | 10.16M |
| NII Growth % | 14.14% | 21.44% | 16.15% | 21.69% | 17.6% | 15.56% | 10.45% | 2.85% | -4.64% | -8.69% | -3.79% | 10.06% | 17.12% | 18.99% | 14.07% | 3.21% | -0.57% | 2.89% | 2.76% | 4.39% |
| Net Interest Margin % | 0.89% | 1% | 0.92% | 0.96% | 0.86% | 0.86% | 0.84% | 0.85% | 0.81% | 0.83% | 0.86% | 0.91% | 0.92% | 1.02% | 0.94% | 0.84% | 0.79% | 0.83% | 0.83% | 0.82% |
| Interest Income | 22.48M | 23.13M | 21.45M | 20.95M | 19.7M | 19.93M | 19.31M | 18.56M | 17.59M | 17.03M | 15.86M | 14.94M | 13.7M | 13.11M | 12.44M | 11.15M | 10.6M | 11.1M | 11.17M | 11.14M |
| Interest Expense | 7.59M | 7.38M | 6.95M | 6.5M | 6.66M | 6.95M | 6.82M | 6.69M | 6.49M | 5.81M | 4.56M | 3.4M | 2.07M | 816K | 687K | 668K | 667K | 770K | 867K | 984K |
| Loan Loss Provision | 1.62M | 378K | 1.11M | 1.15M | 416K | 617K | 920K | 181K | 751K | 689K | 888K | 24K | 489K | 659K | -378K | 813K | -1.13M | -301K | -93K | 27K |
| Non-Interest Income | 3.29M | 445K | 1.84M | 2.94M | 3.74M | 4.02M | 2.95M | 2.79M | 3.79M | 3.67M | 2.64M | 2.79M | 3.86M | 1.28M | 2.71M | 2.71M | 3.78M | 1.46M | 2.67M | 2.56M |
| Non-Interest Income % | 12.76% | 1.89% | 7.91% | 12.31% | 15.96% | 16.77% | 13.25% | 13.09% | 17.75% | 17.72% | 14.26% | 15.72% | 21.96% | 8.93% | 17.89% | 19.52% | 26.28% | 11.65% | 19.29% | 18.7% |
| Total Revenue | 25.76M | 23.58M | 23.3M | 23.89M | 23.45M | 23.94M | 22.26M | 21.35M | 21.38M | 20.7M | 18.5M | 17.73M | 17.56M | 14.4M | 15.15M | 13.86M | 14.38M | 12.57M | 13.84M | 13.71M |
| Revenue Growth % | 9.88% | -1.52% | 4.65% | 11.88% | 9.66% | 15.65% | 20.32% | 20.42% | 21.75% | 43.8% | 22.14% | 27.95% | 22.15% | 14.55% | 9.46% | 1.11% | -0.61% | -8.45% | -1.21% | 0.42% |
| Non-Interest Expense | 11.3M | 10.85M | 11.49M | 11.05M | 10.82M | 13.31M | 11.22M | 10.86M | 10.74M | 10.3M | 10.38M | 10.41M | 10.27M | 8.88M | 10.35M | 10.02M | 9.79M | 9.33M | 9.47M | 9.3M |
| Efficiency Ratio | 43.87% | 46.03% | 49.32% | 46.26% | 46.14% | 55.58% | 50.41% | 50.88% | 50.24% | 49.76% | 56.1% | 58.74% | 58.49% | 61.69% | 68.31% | 72.33% | 68.08% | 74.21% | 68.43% | 67.84% |
| Operating Income | 5.25M | 4.97M | 3.74M | 5.19M | 5.55M | 3.07M | 3.29M | 3.62M | 3.39M | 3.9M | 2.68M | 3.89M | 4.73M | 4.04M | 4.49M | 2.35M | 5.05M | 2.77M | 3.6M | 3.4M |
| Operating Margin % | 20.39% | 21.08% | 16.07% | 21.71% | 23.68% | 12.81% | 14.8% | 16.95% | 15.87% | 18.86% | 14.47% | 21.93% | 26.92% | 28.06% | 29.65% | 16.98% | 35.11% | 22.06% | 25.98% | 24.79% |
| Operating Income Growth % | -5.39% | 62.05% | 13.63% | 43.26% | 63.58% | -21.46% | 23.09% | -6.89% | -28.21% | -3.34% | -40.39% | 65.24% | -6.34% | 45.74% | 24.92% | -30.73% | 18.72% | -51.91% | 36.85% | 19.82% |
| Pretax Income | 5.25M | 4.97M | 3.74M | 5.19M | 5.55M | 3.07M | 3.29M | 3.62M | 3.39M | 3.9M | 2.68M | 3.89M | 4.73M | 4.04M | 4.49M | 2.35M | 5.05M | 2.77M | 3.6M | 3.4M |
| Pretax Margin % | 20.39% | 21.08% | 16.07% | 21.71% | 23.68% | 12.81% | 14.8% | 16.95% | 15.87% | 18.86% | 14.47% | 21.93% | 26.92% | 28.06% | 29.65% | 16.98% | 35.11% | 22.06% | 25.98% | 24.79% |
| Income Tax | 956K | 1.01M | 714K | 976K | 1.15M | 552K | 576K | 648K | 601K | 682K | 426K | 639K | 820K | 516K | 801K | 354K | 923K | 468K | 559K | 536K |
| Effective Tax Rate % | 18.2% | 20.42% | 19.07% | 18.82% | 20.64% | 18% | 17.48% | 17.9% | 17.71% | 17.46% | 15.91% | 16.44% | 17.34% | 12.77% | 17.84% | 15.04% | 18.28% | 16.88% | 15.55% | 15.78% |
| Net Income | 4.3M | 3.96M | 3.03M | 4.21M | 4.41M | 2.52M | 2.72M | 2.97M | 2.79M | 3.22M | 2.25M | 3.25M | 3.91M | 3.52M | 3.69M | 2M | 4.13M | 2.3M | 3.04M | 2.86M |
| Net Margin % | 16.68% | 16.77% | 13.01% | 17.62% | 18.79% | 10.5% | 12.22% | 13.92% | 13.06% | 15.57% | 12.17% | 18.32% | 22.25% | 24.48% | 24.36% | 14.43% | 28.69% | 18.33% | 21.94% | 20.88% |
| Net Income Growth % | -2.47% | 57.26% | 11.44% | 41.66% | 57.75% | -21.97% | 20.79% | -8.53% | -28.53% | -8.54% | -39% | 62.53% | -5.26% | 52.95% | 21.54% | -30.13% | 16.82% | -50.98% | 32.35% | 26.43% |
| Net Income (Continuing) | 4.3M | 3.96M | 3.03M | 4.21M | 4.41M | 2.52M | 2.72M | 2.97M | 2.79M | 3.22M | 2.25M | 3.25M | 3.91M | 3.52M | 3.69M | 2M | 4.13M | 2.3M | 3.04M | 2.86M |
| EPS (Diluted) | 0.91 | 0.84 | 0.64 | 0.89 | 0.94 | 0.53 | 0.58 | 0.63 | 0.58 | 0.68 | 0.47 | 0.68 | 0.82 | 0.74 | 0.77 | 0.42 | 0.87 | 0.48 | 0.63 | 0.60 |
| EPS Growth % | -3.19% | 58.49% | 10.34% | 41.27% | 62.07% | -22.06% | 23.4% | -7.35% | -29.27% | -8.11% | -38.96% | 61.9% | -5.75% | 54.17% | 22.22% | -30% | 17.57% | -51.02% | 31.25% | 27.66% |
| EPS (Basic) | 0.91 | 0.84 | 0.64 | 0.89 | 0.94 | 0.53 | 0.58 | 0.63 | 0.58 | 0.68 | 0.47 | 0.68 | 0.82 | 0.74 | 0.77 | 0.42 | 0.87 | 0.48 | 0.63 | 0.60 |
| Diluted Shares Outstanding | 4.71M | 4.71M | 4.71M | 4.71M | 4.74M | 4.71M | 4.71M | 4.74M | 4.79M | 4.77M | 4.78M | 4.78M | 4.77M | 4.77M | 4.77M | 4.77M | 4.76M | 4.76M | 4.78M | 4.79M |