Ohio Valley Banc Corp. Reports Q2 Earnings: Net Income Up 41.7%

Ohio Valley Banc Corp. reported a 41.7% increase in net income to $4.21 million for Q2 2025, with earnings per share rising to $0.89. The bank's net interest margin improved to 4.17%, and total assets reached $1.51 billion. Loan balances increased by $39 million, and the efficiency ratio improved to 63.51%. The bank's robust performance is attributed to strategic growth initiatives, improved funding strategies, and prudent expense management.

Ohio Valley Banc Corp. (NASDAQ: OVBC) has reported robust financial performance for the second quarter of 2025, with net income rising by 41.7% year-over-year to $4.21 million, according to the company's earnings report [1]. The bank's earnings per share (EPS) also increased to $0.89, reflecting strong operational efficiency.

Key drivers of Ohio Valley Banc's performance include an improvement in net interest margin (NIM) to 4.17%, up from 3.74% in the previous year. This enhancement is attributed to higher yielding securities and loans, as well as lower cost deposit sources. The bank's participation in the Ohio Homebuyer Plus Program has also played a significant role, boosting average earning assets and securities.

Loan balances increased by $39 million during the quarter, with a focus on commercial and real estate lending segments contributing to this growth. The bank's total assets reached $1.51 billion, indicating a healthy asset base. Additionally, the efficiency ratio improved to 63.51%, reflecting the bank's ability to manage costs effectively.

The company did not provide specific future earnings or revenue guidance in the press release. However, the strong performance in Q2 2025 suggests a positive outlook for the remainder of the year.

Dividend Declaration

In addition to its strong financial performance, Ohio Valley Banc declared a quarterly dividend of $0.23 per share, payable on August 10, 2025, representing an annualized dividend of $0.92 and a yield of 2.69% [2].

Investor Interest

The bank's stock has been the subject of institutional interest, with Jane Street Group LLC purchasing a new stake in the company in the first quarter of 2025. The firm bought 8,906 shares, valued at approximately $232,000, owning about 0.19% of Ohio Valley Banc at the end of the most recent quarter [2].

Analyst Ratings

Wall Street Zen downgraded Ohio Valley Banc from a "buy" rating to a "hold" rating in a research note on July 5, 2025, citing the need for further clarity on the bank's strategic direction [2].

References:

[1] https://www.tradingview.com/news/reuters.com,2025:newsml_PLX96DA09:0-ohio-valley-banc-s-q2-net-income-up-41-7-improves-interest-margin/
[2] https://www.marketbeat.com/instant-alerts/ohio-valley-banc-nasdaqovbc-issues-quarterly-earnings-results-2025-07-26/