Ohio Valley Banc Q4 net income $3.955M (+57.3% YoY); EPS $0.84

OHIO VALLEY BANC CORP

Full-year 2025 net income $15.601M (+41.8%); EPS $3.31 vs $2.32 in 2024.
Net interest margin expanded to 4.18% in Q4 (3.70% Q4 2024) driven by higher loan yields and lower funding costs.
Total loans grew $134M (12.6%) to $1.196B; nonperforming loans rose to 1.40% (0.46% year-end 2024) on two commercial loans.
Sold $36.9M in low-yield securities at $3.747M loss, reinvested at 4.52% yield to boost future NIM.
Q4 dividend $0.23/share, up from $0.22 in Q4 2024; annual dividend $0.91 vs $0.88.

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