Ohio Valley Banc Corp (OVBC) - Net Assets
Based on the latest financial reports, Ohio Valley Banc Corp (OVBC) has net assets worth $170.26 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.58 Billion) and total liabilities ($1.41 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Ohio Valley Banc Corp asset resilience ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $170.26 Million |
| % of Total Assets | 10.76% |
| Annual Growth Rate | 6.12% |
| 5-Year Change | -86.05% |
| 10-Year Change | 62.88% |
| Growth Volatility | 132.57 |
Ohio Valley Banc Corp - Net Assets Trend (1996–2025)
This chart illustrates how Ohio Valley Banc Corp's net assets have evolved over time, based on quarterly financial data. Also explore Ohio Valley Banc Corp asset portfolio for the complete picture of this company's asset base.
Annual Net Assets for Ohio Valley Banc Corp (1996–2025)
The table below shows the annual net assets of Ohio Valley Banc Corp from 1996 to 2025. For live valuation and market cap data, see Ohio Valley Banc Corp market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $170.26 Million | +13.26% |
| 2024-12-31 | $150.33 Million | +4.39% |
| 2023-12-31 | $144.01 Million | -87.83% |
| 2022-12-31 | $1.18 Billion | -3.07% |
| 2021-12-31 | $1.22 Billion | +6.16% |
| 2020-12-31 | $1.15 Billion | +18.56% |
| 2019-12-31 | $969.73 Million | +722.68% |
| 2018-12-31 | $117.87 Million | +7.78% |
| 2017-12-31 | $109.36 Million | +4.62% |
| 2016-12-31 | $104.53 Million | +15.54% |
| 2015-12-31 | $90.47 Million | +4.93% |
| 2014-12-31 | $86.22 Million | +7.21% |
| 2013-12-31 | $80.42 Million | +6.07% |
| 2012-12-31 | $75.82 Million | +5.54% |
| 2011-12-31 | $71.84 Million | +5.45% |
| 2010-12-31 | $68.13 Million | +2.42% |
| 2009-12-31 | $66.52 Million | +5.50% |
| 2008-12-31 | $63.06 Million | +2.51% |
| 2007-12-31 | $61.51 Million | +2.04% |
| 2006-12-31 | $60.28 Million | +1.71% |
| 2005-12-31 | $59.27 Million | +4.76% |
| 2004-12-31 | $56.58 Million | +3.99% |
| 2003-12-31 | $54.41 Million | -14.82% |
| 2002-12-31 | $63.88 Million | +24.51% |
| 2001-12-31 | $51.30 Million | +3.65% |
| 2000-12-31 | $49.49 Million | +15.91% |
| 1999-12-31 | $42.70 Million | +4.91% |
| 1998-12-31 | $40.70 Million | +10.60% |
| 1997-12-31 | $36.80 Million | +21.05% |
| 1996-12-31 | $30.40 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Ohio Valley Banc Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 2922.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $133.01 Million | 78.12% |
| Common Stock | $5.49 Million | 3.23% |
| Other Comprehensive Income | $-1.87 Million | -1.10% |
| Other Components | $33.63 Million | 19.75% |
| Total Equity | $170.26 Million | 100.00% |
Ohio Valley Banc Corp Competitors by Market Cap
The table below lists competitors of Ohio Valley Banc Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Tureks Turizm Tasimacilik AS
IS:TUREX
|
$211.41 Million |
|
Sound Point Meridian Capital, Inc.
NYSE:SPMC
|
$211.44 Million |
|
Starpharma Holdings Ltd
AU:SPL
|
$211.46 Million |
|
Sentral REIT
KLSE:5123
|
$211.61 Million |
|
Nova Minerals Ltd
AU:NVA
|
$211.37 Million |
|
Ocean Plastics Co Ltd
TW:1321
|
$211.37 Million |
|
Black Rock Coffee Bar, Inc. Class A Common Stock
NASDAQ:BRCB
|
$211.14 Million |
|
Chicago Atlantic BDC, Inc.
NASDAQ:LIEN
|
$211.09 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Ohio Valley Banc Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 150,328,000 to 170,257,000, a change of 19,929,000 (13.3%).
- Net income of 15,601,000 contributed positively to equity growth.
- Dividend payments of 4,287,000 reduced retained earnings.
- Other comprehensive income increased equity by 8,615,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $15.60 Million | +9.16% |
| Dividends Paid | $4.29 Million | -2.52% |
| Other Comprehensive Income | $8.62 Million | +5.06% |
| Total Change | $- | 13.26% |
Book Value vs Market Value Analysis
This analysis compares Ohio Valley Banc Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.24x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 6.08x to 1.24x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1996-12-31 | $7.39 | $44.87 | x |
| 1997-12-31 | $8.72 | $44.87 | x |
| 1998-12-31 | $7.50 | $44.87 | x |
| 1999-12-31 | $7.74 | $44.87 | x |
| 2000-12-31 | $11.25 | $44.87 | x |
| 2001-12-31 | $11.82 | $44.87 | x |
| 2002-12-31 | $14.77 | $44.87 | x |
| 2003-12-31 | $12.51 | $44.87 | x |
| 2004-12-31 | $13.07 | $44.87 | x |
| 2005-12-31 | $13.85 | $44.87 | x |
| 2006-12-31 | $14.18 | $44.87 | x |
| 2007-12-31 | $14.85 | $44.87 | x |
| 2008-12-31 | $15.66 | $44.87 | x |
| 2009-12-31 | $16.70 | $44.87 | x |
| 2010-12-31 | $17.10 | $44.87 | x |
| 2011-12-31 | $17.95 | $44.87 | x |
| 2012-12-31 | $18.81 | $44.87 | x |
| 2013-12-31 | $19.79 | $44.87 | x |
| 2014-12-31 | $21.03 | $44.87 | x |
| 2015-12-31 | $21.97 | $44.87 | x |
| 2016-12-31 | $24.02 | $44.87 | x |
| 2017-12-31 | $23.34 | $44.87 | x |
| 2018-12-31 | $24.94 | $44.87 | x |
| 2019-12-31 | $203.41 | $44.87 | x |
| 2020-12-31 | $240.15 | $44.87 | x |
| 2021-12-31 | $255.29 | $44.87 | x |
| 2022-12-31 | $248.06 | $44.87 | x |
| 2023-12-31 | $30.16 | $44.87 | x |
| 2024-12-31 | $31.73 | $44.87 | x |
| 2025-12-31 | $36.14 | $44.87 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Ohio Valley Banc Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.16%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 16.56%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 9.30x
- Recent ROE (9.16%) is above the historical average (8.48%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1996 | 10.86% | 11.11% | 0.09x | 11.21x | $260.00K |
| 1997 | 10.33% | 11.38% | 0.09x | 10.30x | $120.00K |
| 1998 | 10.07% | 10.79% | 0.08x | 10.99x | $30.00K |
| 1999 | 10.07% | 9.98% | 0.08x | 12.23x | $30.00K |
| 2000 | 8.89% | 8.97% | 0.09x | 11.35x | $-549.20K |
| 2001 | 9.54% | 9.29% | 0.08x | 12.38x | $-235.00K |
| 2002 | 8.88% | 10.63% | 0.08x | 10.90x | $-712.50K |
| 2003 | 11.90% | 12.65% | 0.07x | 13.00x | $1.03 Million |
| 2004 | 14.81% | 16.28% | 0.07x | 12.89x | $2.72 Million |
| 2005 | 11.84% | 13.60% | 0.07x | 12.65x | $1.09 Million |
| 2006 | 8.95% | 9.27% | 0.08x | 12.68x | $-630.20K |
| 2007 | 10.24% | 10.46% | 0.08x | 12.74x | $145.90K |
| 2008 | 11.30% | 12.35% | 0.07x | 12.39x | $822.40K |
| 2009 | 9.99% | 12.03% | 0.07x | 12.21x | $-7.10K |
| 2010 | 7.48% | 9.68% | 0.06x | 12.50x | $-1.72 Million |
| 2011 | 8.12% | 11.38% | 0.06x | 11.19x | $-1.35 Million |
| 2012 | 9.30% | 14.85% | 0.06x | 10.14x | $-530.00K |
| 2013 | 10.09% | 18.24% | 0.06x | 9.29x | $70.10K |
| 2014 | 9.36% | 17.81% | 0.06x | 9.03x | $-548.60K |
| 2015 | 9.48% | 19.08% | 0.06x | 8.80x | $-473.00K |
| 2016 | 6.62% | 14.54% | 0.05x | 9.13x | $-3.53 Million |
| 2017 | 6.87% | 13.62% | 0.05x | 9.38x | $-3.43 Million |
| 2018 | 10.13% | 20.55% | 0.06x | 8.74x | $156.60K |
| 2019 | 1.02% | 17.01% | 0.06x | 1.04x | $-87.07 Million |
| 2020 | 0.89% | 18.45% | 0.05x | 1.03x | $-104.71 Million |
| 2021 | 0.96% | 21.50% | 0.04x | 1.02x | $-110.31 Million |
| 2022 | 1.13% | 23.08% | 0.05x | 1.02x | $-104.97 Million |
| 2023 | 8.77% | 16.96% | 0.06x | 9.39x | $-1.77 Million |
| 2024 | 7.32% | 12.37% | 0.06x | 10.00x | $-4.03 Million |
| 2025 | 9.16% | 16.56% | 0.06x | 9.30x | $-1.42 Million |
Industry Comparison
This section compares Ohio Valley Banc Corp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $519,829,600
- Average return on equity (ROE) among peers: 6.05%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Ohio Valley Banc Corp (OVBC) | $170.26 Million | 10.86% | 8.30x | $211.38 Million |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $148.70 Million | 9.23% | 10.41x | $5.70 Billion |
| ACNB Corporation (ACNB) | $93.75 Million | 8.98% | 9.33x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $96.99 Million | 6.06% | 10.54x | $647.19 Million |
| Amalgamated Bank (AMAL) | $585.36 Million | 15.03% | 12.62x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $577.58 Million | -0.30% | 12.45x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $249.60 Million | 11.75% | 10.06x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.74 Billion | -4.81% | 7.35x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $116.55 Million | 6.07% | 10.46x | $62.60 Million |
About Ohio Valley Banc Corp
Ohio Valley Banc Corp. operates as the bank holding company for The Ohio Valley Bank Company that provides commercial and retail banking products and services. 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 provides various resident… Read more