---
schema_version: "secwatch.filing_event.v1"
accession: "0000894671-26-000007"
form_type: "8-K"
ticker: "OVBC"
cik: "0000894671"
company_name: "OHIO VALLEY BANC CORP"
filed_at: "2026-01-27T23:59:59+00:00"
generated_at: "2026-05-16T07:45:58.968340+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000894671-26-000007
- form_type: 8-K
- ticker: OVBC
- cik: 0000894671
- company_name: OHIO VALLEY BANC CORP
- filed_at: 2026-01-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02
- EDGAR index: https://www.sec.gov/Archives/edgar/data/894671/000089467126000007/0000894671-26-000007-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/894671/000089467126000007/sec8kearngsrels123125.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000894671-26-000007
- JSON: https://secwatch.observer/filing/0000894671-26-000007.json
- Plain text: https://secwatch.observer/filing/0000894671-26-000007.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.