Ohio Valley Banc Corporation (OVBC)

Promotions, Retirements and a New Loan Office for OVBCMay 15, 2026 12:00 PM
PR Newswire (US) GALLIPOLIS, Ohio, May 15, 2026 /PRNewswire/ -- Ohio Valley Banc Corp. (Nasdaq: OVBC) recognized Thomas E. Wiseman's previously announced retirement as chairman of the board at OVBC's shareholders meeting on May 13, 2026. Wiseman was a founding board member of Ohio Valley Banc Corp. in 1992. He joined the board of The Ohio Valley Bank Company (OVB) the same year. At the time, he was president of The Wiseman Agency, representing the third generation operating the multi-line independent insurance agency started by his grandfather in 1928. Over the next years, Wiseman's role at OVB grew, leading him from the position of lead independent director to president and chief executive officer, and lastly chairman of the board.Under his direction, OVBC surpassed one-billion dollars in assets. His anthem of putting "Community First" inspires bankers and customers alike. Though stepping down from his role as chairman, Wiseman will remain a member of the board of directors of both OVBC and OVB.Reflecting upon the Board's decision to appoint Mr. Smith, Wiseman stated, "At the company's organizational meeting, the Board determined that it was time to move from a lead independent director governance structure to an independent chairman governance structure as many other publicly traded companies have."K. Ryan Smith, a director of OVBC since 2021, was named OVBC's first independent chairman of the board. Smith is president of the University of Rio Grande and Rio Grande Community College. He is a graduate of Gallia Academy High School and holds a bachelor's degree in finance from The Ohio State University.Smith, a native of Gallia County, Ohio, spent the first 23 years of his career working as vice president and partner of Smith Financial Advisors. The family-run business managed wealth for individuals throughout the region. His desire for public service led him to his election to the Ohio State House of Representatives, where he served as finance chairman and ultimately Speaker of the House before stepping down to serve in his current role at the university. He will continue in his role as president at the university and community college while also serving as OVBC chairman.He and his wife of 29 years, Vicki, are the proud parents of four children. Over the years, Smith has served his community well in leadership roles with the Gallia County Chamber of Commerce, Holzer Health System, and the National Association of Intercollegiate Athletics. He is currently a member of the Gallia County Community Improvement Corporation.Wiseman further commented, "Teamed with a strong CEO as we have in Larry Miller, together, they will provide leadership and strategic vision ensuring your company's continued success."The position of lead director was eliminated upon the retirement of David W. Thomas, who earlier this year notified the board of his intent to retire at the 2026 annual meeting. Thomas, former chief examiner of the Ohio Department of Commerce, Division of Financial Institutions, has been a vital asset to the board with his wealth of knowledge and expertise in the field of banking. As a member of the board for more than 18 years, Thomas served on the executive, audit, enterprise risk and nominating committees. He also was the chair of the audit and enterprise risk committee.In addition, Thomas has been an active member of the community for many years. From coaching and umpiring youth baseball to being a member of the Heritage Christian Church, he has exemplified what it means to put "Community First." He currently resides in Westerville, Ohio, with his wife, Peggy, and enjoys spending time with his four children and five grandchildren.Larry E. Miller II, OVB chief executive officer, announced that Ryan J. Jones has been named as the company's new president. Jones will also resume his responsibilities as chief operating officer. Jones began his career in banking in 1999 with Milton Bank. While there, he fulfilled many roles, including BSA officer, compliance officer, audit liaison, loan officer, security officer, operations officer, and chief operating officer. In 2008, Jones became a member of the Milton Banking Company Board of Directors, where he served as secretary. When Milton Bank merged with OVB in 2016, he served as the OVB chief risk officer before later accepting the role of chief operating officer and risk officer in 2022.Jones, a lifelong Jackson, Ohio, resident, graduated from Jackson High School and obtained his degree in business management from the University or Rio Grande. He is also a graduate of the Ohio Bankers League Bank Leadership Institute. In addition, Jones has completed the Metavante Regulatory Services Advanced Compliance School, Advanced Deposit and Operations School and Advanced Loan School. He also completed the Community Bankers Association Consumer Lending Institute.Outside of the financial world, Jones is a very active member of the community as he currently serves on the Jackson Area Festival Events (JAFE), Jackson Apple Festival, Jackson Bullpen Club, and is a Holzer Heritage Foundation Board Member. He enjoys spending time with his wife Aimee, and their two children.CEO Miller also announced that a new OVB Loan Office will be opening in Charleston, West Virginia, this summer. New locations in South Bloomfield and Ironton, Ohio, are also in the early planning stages.Ohio Valley Banc Corp. common stock is traded on the NASDAQ Global Market under the symbol OVBC. The holding company owns The Ohio Valley Bank Company, a $1.5 billion asset community bank with 18 offices in Ohio and West Virginia, and Loan Central, Inc. with six consumer finance offices in Ohio. Learn more about Ohio Valley Banc Corp. at www.ovbc.com.Contact Bryna Butler, Ohio Valley Bank, 740-578-3400, bsbutler @carraig1-3452, hdroush@ovbc.com View original content to download multimedia:https://www.prnewswire.com/news-releases/promotions-retirements-and-a-new-loan-office-for-ovbc-302773718.htmlSOURCE Ohio Valley Banc Corp. Original: Promotions, Retirements and a New Loan Office for OVBC

Ohio Valley Banc Corp. Reports 1st Quarter EarningsApril 28, 2026 3:21 PM
PR Newswire (US)

GALLIPOLIS, Ohio, April 28, 2026 /PRNewswire/ -- Ohio Valley Banc Corp. [Nasdaq: OVBC] (the "Company") reported consolidated net income for the quarter ended March 31, 2026, of $4,297,000, a decrease of $109,000, or 2.5%, from the same period during the prior year. Earnings per share for the first quarter of 2026 were $.91, compared to $.94 for the first quarter of 2025. Return on average assets and return on average equity were 1.08% and 10.17%, respectively, for the first quarter of 2026, versus 1.20% and 11.82%, respectively, for the same period the prior year.







Ohio Valley Banc Corp. President and CEO, Larry Miller stated, "Our core performance remained strong, highlighted by double-digit growth in net interest income, margin expansion, and continued loan growth in our targeted commercial markets. While earnings were modestly lower, we continue to invest in our people, technology, and franchise for long-term, sustainable performance."For the first quarter of 2026, net interest income increased $1,748,000, or 13.3%, from the first quarter of 2025. The increase was related to the increase in both average earning assets and the net interest margin. For the first quarter of 2026, average earning assets increased $121 million from the same period last year, led by the $146 million growth in average loans, which was partially offset by the decreases in average securities of $15 million and average balances maintained at the Federal Reserve of $11 million. The growth in average loans occurred primarily within the targeted commercial lending segments.For the first quarter of 2026, the net interest margin was 4.01%, an increase from 3.85% for the first quarter of 2025. The increase in the net interest margin was related to the yield on earning assets increasing more than the cost of funding sources. The yield on earning assets improved primarily in relation to the strong growth in higher yielding loans, which now comprise a larger percentage of earning assets.For the three months ended March 31, 2026, the provision for credit loss expense was $1,622,000, an increase of $1,206,000 from the first quarter of 2025. The provision for credit loss expense for the first quarter of 2026 was primarily related to the specific allocation of $2,031,000 on two collateral dependent loans. Additional reserves were required for net charge-offs of $278,000 and the $19 million increase in loans since December 31, 2025. These increases in reserves were partially offset by a decrease in certain qualitative risk factors. The ratio of nonperforming loans to total loans was 1.64% at March 31, 2026, compared to 1.40% at December 31, 2025 and .48% at March 31, 2025. The increase in nonperforming loans was primarily related to three commercial loans being placed on nonaccrual status since March 31, 2025. Two of the loans required the specific allocation that was previously mentioned and one of the loans was deemed adequately collateralized. The allowance for credit losses was 1.07% of total loans at March 31, 2026, compared to .96% at December 31, 2025 and .97% at March 31, 2025.Noninterest income totaled $3,288,000 for the first quarter of 2026, a decrease of $358,000 from the same period last year. The decrease was primarily related to the $540,000 decrease in electronic refund check and deposit fees due to the expiration of a tax processing agreement with a third party. This decrease was partially offset by a $138,000 increase in income from bank owned life insurance due to the receipt of life insurance proceeds and to the $86,000 increase in debit and credit card interchange income. Noninterest expense totaled $11,301,000 for the first quarter of 2026, an increase of $483,000 from the same period last year. The Company's largest noninterest expense, salaries and employee benefits, increased $335,000, or 5.6%, from the first quarter of 2025. The increase was primarily related to annual merit increases and to health insurance premiums. For the three months ended March 31, 2026, software expense increased $132,000 from the same period last year. The increase was primarily related to an investment in software to enhance internal processes. Also contributing to higher noninterest expense for the first quarter of 2026 was a $58,000 increase in FDIC insurance expense, as compared to the same period last year. The increase was related to a higher assessment base due to growth in assets and to an increase in the assessment rate in relation to higher nonperforming loans.The Company's total assets at March 31, 2026 were $1.678 billion, an increase of $95 million from December 31, 2025. The increase in assets was primarily the result of a $78 million increase in balances maintained at the Federal Reserve and a $19 million increase in total loans. At March 31, 2026, total deposits increased $94 million from year end 2025, which occurred primarily within time deposits. Total shareholders' equity increased $1.0 million from year end 2025. This was primarily from year-to-date net income of $4.3 million, partially offset by a decrease in accumulated other comprehensive income of $2.2 million and cash dividends paid of $1.1 million.Ohio Valley Banc Corp. common stock is traded on the NASDAQ Global Market under the symbol OVBC. The holding company owns The Ohio Valley Bank Company with 18 offices in Ohio and West Virginia, and Loan Central, Inc. with six consumer finance offices in Ohio. Learn more about Ohio Valley Banc Corp. at www.ovbc.com.Caution Regarding Forward-Looking InformationCertain statements contained in this earnings release that are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as "believes," "anticipates," "expects," "appears," "intends," "targeted" and similar expressions are intended to identify forward-looking statements but are not the exclusive means of identifying those statements. Forward-looking statements involve risks and uncertainties. Actual results may differ materially from those predicted by the forward-looking statements because of various factors and possible events, including: (i) changes in political, economic or other factors, such as inflation rates, recessionary or expansive trends, taxes, the effects of implementation of federal legislation with respect to taxes, tariffs and government spending and the continuing economic uncertainty in various parts of the world; (ii) competitive pressures;  (iii) fluctuations in interest rates; (iv) the level of defaults and prepayment on loans made by the Company; (v) unanticipated litigation, claims, or assessments; (vi) fluctuations in the cost of obtaining funds to make loans; (vii) regulatory changes; and (viii) other factors that may be described in the Company's Annual Reports on Form 10-K and Quarterly Reports on Form 10-Q as filed with the Securities and Exchange Commission from time to time. Forward-looking statements speak only as of the date on which they are made, and the Company undertakes no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made to reflect unanticipated events.Contact:  Scott Shockey, CFO (740) 446-2631 OHIO VALLEY BANC CORP - Financial Highlights (Unaudited)
















Three months ended






March 31,






2026
2025PER SHARE DATA








  Earnings per share





$                   0.91
$             0.94  Dividends per share





$                   0.23
$             0.22  Book value per share





$                 36.36
$           33.05  Dividend payout ratio (a)





25.22 %
23.52 %  Weighted average shares outstanding



4,711,001
4,711,001









DIVIDEND REINVESTMENT (in 000's)






  Dividends reinvested under








     employee stock ownership plan (b)




$                    206
$              195  Dividends reinvested under








     dividend reinvestment plan (c)





$                    314
$              382









PERFORMANCE RATIOS








  Return on average equity





10.17 %
11.82 %  Return on average assets





1.08 %
1.20 %  Net interest margin (d)





4.01 %
3.85 %  Efficiency ratio (e)





61.72 %
63.95 %  Average earning assets (in 000's)





$         1,518,144
$   1,397,458









(a) Total dividends paid as a percentage of net income.(b) Shares may be purchased from OVBC and on secondary market.(c) Shares may be purchased from OVBC and on secondary market.(d) Fully tax-equivalent net interest income as a percentage of average earning assets.(e) Noninterest expense as a percentage of fully tax-equivalent net interest income plus noninterest income. OHIO VALLEY BANC CORP - Consolidated Statements of Income (Unaudited)

Three months ended(in $000's)
March 31,

2026
2025Interest income:



     Interest and fees on loans
$               19,404
$         16,695     Interest and dividends on securities
2,489
2,279     Interest on interest-bearing deposits with banks
582
826          Total interest income
22,475
19,800Interest expense:



     Deposits
7,031
6,133     Borrowings
556
527          Total interest expense
7,587
6,660Net interest income
14,888
13,140Provision for credit losses 
1,622
416Noninterest income:



     Service charges on deposit accounts745
720     Trust fees
92
103     Income from bank owned life insurance and


       annuity assets
378
240     Mortgage banking income
37
37     Electronic refund check/deposit fees0
540     Debit / credit card interchange income1,235
1,149     Tax preparation fees
608
596     Other
193
261          Total noninterest income
3,288
3,646Noninterest expense:



     Salaries and employee benefits
6,347
6,012     Occupancy 
524
521     Furniture and equipment 
318
350     Professional fees
473
500     Marketing expense
280
279     FDIC insurance 
241
183     Data processing 
911
925     Software
673
541     Other 
1,534
1,507          Total noninterest expense
11,301
10,818Income before income taxes
5,253
5,552Income taxes
956
1,146NET INCOME
$                 4,297
$           4,406 OHIO VALLEY BANC CORP - Consolidated Balance Sheets (Unaudited)









(in $000's, except share data)





March 31,
December 31,






2026
2025ASSETS








Cash and noninterest-bearing deposits with banks



$               16,255
$         14,845Interest-bearing deposits with banks




109,072
31,052     Total cash and cash equivalents





125,327
45,897Securities available for sale 





251,439
253,906Securities held to maturity, net of allowance for credit losses of $1 in 2026 and 2025
5,435
5,452Restricted investments in bank stocks




5,258
5,258Total loans 





1,214,814
1,196,018  Less:  Allowance for credit losses 





(12,943)
(11,519)     Net loans





1,201,871
1,184,499Premises and equipment, net





20,501
20,509Premises and equipment held for sale, net



395
400Accrued interest receivable





5,535
5,476Goodwill





7,319
7,319Bank owned life insurance and annuity assets



42,606
43,305Operating lease right-of-use asset, net




876
923Deferred tax assets





6,252
5,621Other assets





4,688
4,089          Total assets





$         1,677,502
$   1,582,654









LIABILITIES








Noninterest-bearing deposits





$            332,760
$       314,131Interest-bearing deposits





1,090,914
1,015,536     Total deposits





1,423,674
1,329,667Other borrowed funds 





43,529
44,848Subordinated debentures





8,500
8,500Operating lease liability





876
923Allowance for credit losses on off-balance sheet commitments


791
871Other liabilities





28,852
27,588          Total liabilities





1,506,222
1,412,397









SHAREHOLDERS' EQUITY








Common stock ($1.00 stated value per share, 10,000,000 shares authorized;



  5,490,995 shares issued)





5,491
5,491Additional paid-in capital





52,321
52,321Retained earnings





136,220
133,007Accumulated other comprehensive income (loss)



(4,059)
(1,869)Treasury stock, at cost (779,994 shares)



(18,693)
(18,693)          Total shareholders' equity





171,280
170,257               Total liabilities and shareholders' equity



$         1,677,502
$   1,582,654 



View original content to download multimedia:https://www.prnewswire.com/news-releases/ohio-valley-banc-corp-reports-1st-quarter-earnings-302756204.htmlSOURCE Ohio Valley Banc Corp.

Original: Ohio Valley Banc Corp. Reports 1st Quarter Earnings

OVBC ANNOUNCES CASH DIVIDENDApril 14, 2026 3:17 PM
PR Newswire (US)

GALLIPOLIS, Ohio, April 14, 2026 /PRNewswire/ -- On Tuesday April 14, 2026, Ohio Valley Banc Corp. [Nasdaq: OVBC] Board of Directors declared a cash dividend of $0.25 per common share payable on May 10, 2026, to shareholders of record as of the close of business on April 24, 2026."I am just getting used to saying '2026' and here we are at the end of the first quarter. While the calendar may change, the company's Community First mission only grows stronger. Every year, our dedicated bankers recommit themselves to positively impacting the communities we serve. Their commitment continues to build momentum with each passing year. Yes, we will face challenges, but we will also embrace opportunities that will mark our 154th anniversary as another great year in your company's history," Tom Wiseman, OVBC Chairman of the Board, said.Ohio Valley Banc Corp. is based in Gallipolis, Ohio. The company owns The Ohio Valley Bank Company, with 18 offices in Ohio and West Virginia, and Loan Central, Inc., with six consumer finance offices in Ohio. Learn more about Ohio Valley Banc Corp. at www.ovbc.com.Contact: Scott Shockey or Bryna Butler, 740-446-2631, 1-800-468-6682



View original content:https://www.prnewswire.com/news-releases/ovbc-announces-cash-dividend-302742209.htmlSOURCE Ohio Valley Banc Corp.

Original: OVBC ANNOUNCES CASH DIVIDEND

Ohio Valley Banc Corp. Reports 4th Quarter and Record Fiscal Year EarningsJanuary 27, 2026 8:38 PM
PR Newswire (US)

GALLIPOLIS, Ohio, Jan. 27, 2026 /PRNewswire/ -- Ohio Valley Banc Corp. [Nasdaq: OVBC] (the "Company") reported consolidated net income for the quarter ended December 31, 2025, of $3,955,000, an increase of $1,440,000, or 57.3%, from the same period the prior year. Earnings per share for the fourth quarter of 2025 were $.84 compared to $.53 for the prior year fourth quarter. For the year ended December 31, 2025, net income totaled $15,601,000, an increase of $4,602,000, or 41.8%, from the same period the prior year. Earnings per share were $3.31 for 2025 versus $2.32 for 2024. Return on average assets and return on average equity were 1.02% and 9.83%, respectively, for the year ended December 31, 2025, compared to .77% and 7.50%, respectively, for the same period in the prior year.Ohio Valley Banc Corp. President and CEO, Larry Miller said, "As we anticipate the celebration of America's 250th birthday, your Company has reason to celebrate: the achievement of record earnings in our 153rd year in business! These results reflect the dedication of our employees to serving our customers while enhancing shareholder value and remaining rock-solid in their commitment to our Community First mission. None of this would be possible without the continued loyalty and support of our shareholders. We extend our sincere thanks to our shareholders for their continued support as we celebrate this historic milestone for both our company and our country."For the three months ended December 31, 2025, net interest income increased $2,403,000, and for the year ended December 31, 2025, net interest income increased $8,941,000 from the same respective periods last year. These increases were related to the increase in both average earning assets and the net interest margin for the respective periods. For the year ended December 31, 2025, average earning assets increased $103 million from the same period last year, led by the $75 million growth in average loans and the $53 million growth in average securities. The growth in average loans was related to the commercial real estate, commercial and industrial, and residential real estate lending segments. The growth in these segments was partially offset by a decrease in consumer loans, as this segment was deemphasized by the Company starting in 2024 to focus on more profitable portfolio segments. The growth in average securities was related to the Company participating in a program offered by the Ohio Treasurer called Ohio Homebuyer Plus starting in the third quarter of 2024. As a participant in the program, the Company developed the Sweet Home Ohio deposit account to offer participants an above-market interest rate along with a deposit bonus to assist customers in achieving their home savings goals. At December 31, 2025, the balance of Sweet Home Ohio accounts totaled $9.5 million, as compared to $6.8 million at December 31, 2024. For each Sweet Home Ohio account that was opened, the Company received a deposit from the Ohio Treasurer at a subsidized interest rate. At December 31, 2025, the amount deposited by the Treasurer totaled $69.9 million, a decrease from $97.4 million at December 31, 2024. Since the Treasurer deposits are classified as public funds, which are required to be collateralized, the Company invested the funds in securities to be pledged as collateral to the Treasurer. The investment of these funds was the primary contributor to the increase in securities from 2024. For the same period, the average balance of cash maintained at the Federal Reserve decreased $25 million to assist with funding loan growth and to generate a higher rate of return. Most of the growth in other funding sources occurred in average NOW, money market accounts, and savings accounts which increased $58 million from 2024. A large portion of this growth was related to the Ohio Treasurer's matching funds received for the Ohio Homebuyer Plus program along with the deposits made to the Sweet Home Ohio account. Based on the growth in these lower-cost deposits, the average growth in higher-cost certificates of deposit was limited to $34 million for 2025 versus the same period last year.For the fourth quarter of 2025, the net interest margin was 4.18%, an increase from 3.70% for the fourth quarter of 2024. For the year ended December 31, 2025, the net interest margin was 4.07%, an increase from 3.71% for the same period last year. The increase in the net interest margin was related to the yield on earning assets increasing, while the cost of funding sources decreased. The yield on earning assets improved in relation to the growth in higher yielding loans and securities, along with the recognition of a market discount on purchased loans totaling $817,000 during the second quarter and another $832,000 during the fourth quarter. The cost of funding sources decreased as the composition of funding sources shifted to lower cost deposit sources, such as, NOW, money market, and savings accounts. Furthermore, the average cost of certificates of deposit decreased as higher costing certificates repriced to lower current market rates.For the three months ended December 31, 2025, the provision for credit loss expense totaled $378,000, a decrease of $239,000 from the same period last year. The quarterly provision for credit loss expense was primarily associated with the $65 million quarterly increase in loan balances and the quarter-to-date net charge-offs of $225,000, which were partially offset by the decrease in certain qualitative risk factors. For the year ended December 31, 2025, the provision for credit losses was $3,054,000, an increase of $585,000 from the same period last year. The year-to-date provision for credit loss expense was primarily associated with net charge-offs of $1,334,000, loan growth of $134 million and an increase in modeled loss rates due to the regression in GDP and unemployment projections, which items were partially offset by the decrease in certain qualitative risk factors. The ratio of nonperforming loans to total loans was 1.40% at December 31, 2025, compared to .46% at December 31, 2024. The increase in nonperforming loans was primarily related to two commercial loans being placed on nonaccrual status. The loans are secured by commercial real estate and deemed adequately collateralized. The allowance for credit losses was .96% of total loans at December 31, 2025, compared to .95% at December 31, 2024.For the three and twelve months ended December 31, 2025, noninterest income decreased $3,192,000 and $4,201,000, respectively, from the same periods last year. The decreases were largely due to the loss on the sale of securities. During the fourth quarter of 2025, the Company sold $25.9 million in securities at a loss of $2,528,000. The securities sold were yielding 1.36% and were reinvested in similar securities with a longer duration that are yielding 4.59%. During the third quarter of 2025 a similar strategy was implemented. The Company sold $11.0 million in securities at a loss of $1,219,000 that were yielding 1.32%.  The proceeds were reinvested into securities yielding 4.37%. Collectively, during 2025, the Company sold $36.9 million in securities at a loss of $3,747,000. The yield on securities sold went from 1.35% to 4.52% on the securities purchased. The Company believes that this strategy will increase future interest income by increasing its net interest margin. Also contributing to lower noninterest income was a decrease in other noninterest income, which for the three months ended December 31, 2025 decreased $733,000, and, for the year ended 2025, decreased $690,000 from the same periods the prior year, respectively. The decreases were largely related to lower earnings from a tax processing agreement and the disposition of certain assets. Partially offsetting these decreases was interchange income earned on debit and credit cards, which increased $45,000 and $196,000 during the three and twelve months ended December 31, 2025, compared to the same periods from 2024, respectively.For the three months ended December 31, 2025, noninterest expense totaled $10,853,000, a decrease of $2,453,000 from the same period last year. For the year ended December 31, 2025, noninterest expense totaled $44,209,000, a decrease of $1,921,000 from the same period last year. The Company's largest noninterest expense, salaries and employee benefits, decreased $2,497,000 as compared to the fourth quarter of 2024, and decreased $2,873,000 as compared to the year ended December 31, 2024. The decreases were primarily related to the cost incurred from the implementation of a voluntary early retirement program in the fourth quarter of 2024, which resulted in an expense of $3,338,000. The savings from the early retirement program were partially offset by annual merit increases and data processing and marketing expense. For the three months and year ended December 31, 2025, data processing increased $44,000 and $457,000, respectively, from the same periods last year. Higher costs in this category were related to debit and credit card processing due to higher transaction volume and conversion costs for the Company's new rewards platform. For the three months and year ended December 31, 2025, marketing expense increased $221,000 and $385,000, respectively, from the same periods last year. The increases were primarily related to advertising, a higher contribution to our own foundation fund and costs associated with supporting the communities we serve.The Company's total assets at December 31, 2025 were $1.583 billion, an increase of $79 million from December 31, 2024. Since December 31, 2024, loan balances increased $134 million, or 12.6%. The growth in loans occurred mostly in the targeted areas of commercial real estate, commercial and industrial, and residential real estate. The growth in these segments was partially offset by a decrease in consumer loans, as this segment has been deemphasized by the Company due to profitability relative to other loan portfolio segments. The increase in loans was primarily funded by a $54 million increase in total deposits, led by time deposits, and a $36 million decrease in balances maintained at the Federal Reserve. At December 31, 2025, shareholders' equity increased $19.9 million from year end 2024. This was primarily from year-to-date net income of $15.6 million and an increase in accumulated other comprehensive income of $8.6 million, partially offset by cash dividends paid of $4.3 million. The increase in accumulated other comprehensive income was related to the $5.6 million, net of tax, market appreciation of securities due to a decrease in market interest rates and the recognition of a $3.0 million, net of tax, realized loss on the sale of securities that was previously unrealized.Ohio Valley Banc Corp. common stock is traded on the NASDAQ Global Market under the symbol OVBC. The holding company owns The Ohio Valley Bank Company with 18 offices in Ohio and West Virginia, and Loan Central, Inc. with  six consumer finance offices in Ohio. Learn more about Ohio Valley Banc Corp. at www.ovbc.com.Caution Regarding Forward-Looking InformationCertain statements contained in this earnings release that are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as "believes," "anticipates," "expects," "appears," "intends," "targeted" and similar expressions are intended to identify forward-looking statements but are not the exclusive means of identifying those statements. Forward-looking statements involve risks and uncertainties. Actual results may differ materially from those predicted by the forward-looking statements because of various factors and possible events, including: (i) changes in political, economic or other factors, such as inflation rates, recessionary or expansive trends, taxes, the effects of implementation of federal legislation with respect to taxes, tariffs and government spending and the continuing economic uncertainty in various parts of the world; (ii) competitive pressures;  (iii) fluctuations in interest rates; (iv) the level of defaults and prepayment on loans made by the Company; (v) unanticipated litigation, claims, or assessments; (vi) fluctuations in the cost of obtaining funds to make loans; (vii) regulatory changes; and (viii) other factors that may be described in the Company's Annual Reports on Form 10-K and Quarterly Reports on Form 10-Q as filed with the Securities and Exchange Commission from time to time. Forward-looking statements speak only as of the date on which they are made, and the Company undertakes no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made to reflect unanticipated events.OHIO VALLEY BANC CORP - Financial Highlights (Unaudited)
















Three months ended
Twelve months ended


December 31,
December 31,


2025
2024
2025
2024PER SHARE DATA








  Earnings per share

$             0.84
$             0.53
$               3.31
$             2.32  Dividends per share

$             0.23
$             0.22
$               0.91
$             0.88  Book value per share

$           36.14
$           31.91
$            36.14
$           31.91  Dividend payout ratio (a)

27.39 %
41.21 %
27.48 %
37.98 %  Weighted average shares outstanding4,711,001
4,711,001
4,711,001
4,736,820









DIVIDEND REINVESTMENT (in 000's)






  Dividends reinvested under








     employee stock ownership plan (b)
$                  -
$                  -
$                195
$              202  Dividends reinvested under








     dividend reinvestment plan (c)

$              334
$              368
$            1,373
$           1,524









PERFORMANCE RATIOS








  Return on average equity

9.49 %
6.62 %
9.83 %
7.50 %  Return on average assets

1.00 %
0.66 %
1.02 %
0.77 %  Net interest margin (d)

4.18 %
3.70 %
4.07 %
3.71 %  Efficiency ratio (e)

66.43 %
77.83 %
65.74 %
73.79 %  Average earning assets (in 000's)

$   1,483,069
$   1,414,863
$     1,433,515
$   1,330,841









(a) Total dividends paid as a percentage of net income.





(b) Shares may be purchased from OVBC and on secondary market.





(c) Shares may be purchased from OVBC and on secondary market.





(d) Fully tax-equivalent net interest income as a percentage of average earning assets.



(e) Noninterest expense as a percentage of fully tax-equivalent net interest income plus noninterest income.











OHIO VALLEY BANC CORP - Consolidated Statements of Income (Unaudited)




Three months ended
Twelve months ended(in $000's)

December 31,
December 31,


2025
2024
2025
2024Interest income:








     Interest and fees on loans

$         19,989
$         16,864
$          73,327
$         64,938     Interest and dividends on securities
2,428
2,364
9,448
6,378     Interest on interest-bearing deposits with banks434
794
2,462
4,447          Total interest income

22,851
20,022
85,237
75,763Interest expense:








     Deposits

6,845
6,393
25,408
24,639     Borrowings

533
559
2,084
2,320          Total interest expense

7,378
6,952
27,492
26,959Net interest income

15,473
13,070
57,745
48,804Provision for (recovery of) credit losses 378
617
3,054
2,469Noninterest income:








     Service charges on deposit accounts767
773
3,033
3,039     Trust fees

89
100
376
404     Income from bank owned life insurance and






       annuity assets

267
241
986
929     Mortgage banking income

60
45
182
163     Electronic refund check/deposit fees0
0
676
675     Debit / credit card interchange income1,319
1,274
5,164
4,968     Loss on sale of securities 

(2,528)
0
(3,747)
0     Tax preparation fees

4
4
641
644     Other

750
1,483
1,659
2,349          Total noninterest income

728
3,920
8,970
13,171Noninterest expense:








     Salaries and employee benefits

6,336
8,833
24,909
27,782     Occupancy 

482
447
2,017
1,938     Furniture and equipment 

294
313
1,328
1,300     Professional fees

288
370
1,803
1,873     Marketing expense

367
146
1,205
820     FDIC insurance 

172
179
698
648     Data processing 

723
679
3,551
3,094     Software

644
556
2,363
2,260     Other 

1,547
1,783
6,335
6,415          Total noninterest expense

10,853
13,306
44,209
46,130Income before income taxes

4,970
3,067
19,452
13,376Income taxes

1,015
552
3,851
2,377NET INCOME

$           3,955
$           2,515
$          15,601
$         10,999






OHIO VALLEY BANC CORP - Consolidated Balance Sheets (Unaudited)















(in $000's, except share data)





December 31,
December 31,






2025
2024ASSETS








Cash and noninterest-bearing deposits with banks



$          14,845
$         15,704Interest-bearing deposits with banks




31,052
67,403     Total cash and cash equivalents





45,897
83,107Securities available for sale 





253,906
268,120Securities held to maturity, net of allowance for credit losses of $1 in 2025 and 2024
5,452
7,049Restricted investments in bank stocks




5,258
5,007Total loans 





1,196,018
1,061,825  Less:  Allowance for credit losses 





(11,519)
(10,088)     Net loans





1,184,499
1,051,737Premises and equipment, net





20,509
21,229Premises and equipment held for sale, net



400
507Accrued interest receivable





5,476
4,805Goodwill





7,319
7,319Bank owned life insurance and annuity assets



43,305
42,048Operating lease right-of-use asset, net




923
1,024Deferred tax assets





5,621
7,218Other assets





4,089
4,242          Total assets





$     1,582,654
$   1,503,412









LIABILITIES








Noninterest-bearing deposits





$        314,131
$       322,383Interest-bearing deposits





1,015,536
952,795     Total deposits





1,329,667
1,275,178Other borrowed funds 





44,848
39,740Subordinated debentures





8,500
8,500Operating lease liability





923
1,024Allowance for credit losses on off-balance sheet commitments


871
582Other liabilities





27,588
28,060          Total liabilities





1,412,397
1,353,084









SHAREHOLDERS' EQUITY








Common stock ($1.00 stated value per share, 10,000,000 shares authorized;



  5,490,995 shares issued)





5,491
5,491Additional paid-in capital





52,321
52,321Retained earnings





133,007
121,693Accumulated other comprehensive income (loss)



(1,869)
(10,484)Treasury stock, at cost (779,994 shares)



(18,693)
(18,693)          Total shareholders' equity





170,257
150,328               Total liabilities and shareholders' equity



$     1,582,654
$   1,503,412Contact: Scott Shockey, CFO (740) 446-2631



View original content:https://www.prnewswire.com/news-releases/ohio-valley-banc-corp-reports-4th-quarter-and-record-fiscal-year-earnings-302671721.htmlSOURCE Ohio Valley Banc Corp.

Original: Ohio Valley Banc Corp. Reports 4th Quarter and Record Fiscal Year Earnings

~ $OVBC ~Multi chart fix and On the house shots of DD!! Version 3.2.3







~ Barchart: http://barchart.com/quotes/stocks/OVBC?
~ OTC Markets: http://www.otcmarkets.com/stock/OVBC/company-info
~ Google Finance: http://www.google.com/finance?q=OVBC
~ Google Fin Options: hhttp://www.google.com/finance/option_chain?q=OVBC#
~ Yahoo! Finance ~ Stats: http://finance.yahoo.com/q/ks?s=OVBC+Key+Statistics
~ Yahoo! Finance ~ Profile: http://finance.yahoo.com/q/pr?s=OVBC
Finviz: http://finviz.com/quote.ashx?t=OVBC
~ BusyStock: http://busystock.com/i.php?s=OVBC&v=2
~ CandlestickChart: http://www.candlestickchart.com/cgi/chart.cgi?symbol=OVBC&exchange=US
~ Investorshub Trades: http://ih.advfn.com/p.php?pid=trades&symbol=OVBC
~ Investorshub Board Search: http://investorshub.advfn.com/boards/getboards.aspx?searchstr=OVBC
~ Investorshub PostStream Search: http://investorshub.advfn.com/boards/poststream.aspx?ticker=OVBC
~ Investorshub Goodies Search: http://investorshub.advfn.com/boards/msgsearchbyboard.aspx?boardID=23396&srchyr=2011&SearchStr=OVBC
~ Investorshub Message Search: http://investorshub.advfn.com/boards/msgsearch.aspx?SearchStr=OVBC
~ MarketWatch: http://www.marketwatch.com/investing/stock/OVBC/profile
~ E-Zone Chart: http://www.windchart.com/ezone/signals/?symbol=OVBC
~ 5-Min Wind: http://www.windchart.com/stockta/analysis?symbol=OVBC
~ 10-Min Wind: http://www.windchart.com/stockta/analysis?symbol=OVBC&size=l&frequency=10&color=g
~ 30-Min Wind: http://www.windchart.com/stockta/analysis?symbol=OVBC&size=l&frequency=30&color=g
~ 60-Min Wind: http://www.windchart.com/stockta/analysis?symbol=OVBC&size=l&frequency=60&color=g

DTCC (PENSON/TDA) Check - (otc and pinks) - Note ~ I did not check for this chart blast. However, I try and help you to do so with the following links.
IHUB DTCC BOARD SEARCH #1 http://investorshub.advfn.com/boards/msgsearchbyboard.aspx?boardID=18682&srchyr=2011&SearchStr=OVBC
IHUB DTCC BOARD SEARCH #2: http://investorshub.advfn.com/boards/msgsearchbyboard.aspx?boardID=14482&srchyr=2011&SearchStr=OVBC
Check those searches for recent OVBC mentions. If OVBC is showing up on older posts and not on new posts found in link below, The DTCC issues may have been addressed and fixed. Always call the broker if your security turns up on any DTCC/PENSON list.
http://investorshub.advfn.com/boards/msgsearchbyboard.aspx?boardID=18682&srchyr=2011&SearchStr=Complete+list
For a cOVBCnt list see the pinned threads at the top here ---> http://tinyurl.com/TWO-OLD-FARTS


Volume, MACD, ADX 3 EMA Par sar - http://bigcharts.marketwatch.com/advchart/frames/frames.asp?show=True&insttype=Stock&symb=OVBC&time=8&startdate=1%2F4%2F1999&enddate=11%2F21%2F2011&freq=2&compidx=aaaaa%3A0&comptemptext=&comp=none&ma=6&maval=9&uf=16&lf=1&lf2=4&lf3=1024&type=4&style=380&size=2&timeFrameToggle=false&compareToToggle=false&indicatorsToggle=false&chartStyleToggle=false&state=11&x=25&y=5
RSI, Money Flow, Volume Accumulation, 3sma, Bollinger bands - http://bigcharts.marketwatch.com/advchart/frames/frames.asp?show=True&insttype=Stock&symb=OVBC&time=8&startdate=1%2F4%2F1999&enddate=11%2F21%2F2011&freq=2&compidx=aaaaa%3A0&comptemptext=&comp=none&ma=4&maval=9&uf=8&lf=2&lf2=512&lf3=4096&type=4&style=380&size=2&timeFrameToggle=false&compareToToggle=false&indicatorsToggle=false&chartStyleToggle=false&state=11&x=36&y=14
Price Channel, Momentum, Volatility Slow, P/E Ratio - http://bigcharts.marketwatch.com/advchart/frames/frames.asp?show=True&insttype=Stock&symb=OVBC&time=8&startdate=1%2F4%2F1999&enddate=11%2F21%2F2011&freq=2&compidx=aaaaa%3A0&comptemptext=&comp=none&ma=6&maval=9&uf=128&lf=65536&lf2=16384&lf3=16777216&type=4&style=380&size=2&timeFrameToggle=false&compareToToggle=false&indicatorsToggle=false&chartStyleToggle=false&state=11&x=28&y=15



Volume, MACD, ADX 3 EMA Par sar - http://bigcharts.marketwatch.com/advchart/frames/frames.asp?show=True&insttype=Stock&symb=OVBC&time=6&startdate=1%2F4%2F1999&enddate=11%2F21%2F2011&freq=1&compidx=aaaaa%3A0&comptemptext=&comp=none&ma=6&maval=9&uf=16&lf=1&lf2=4&lf3=1024&type=4&style=380&size=2&timeFrameToggle=false&compareToToggle=false&indicatorsToggle=false&chartStyleToggle=false&state=11&x=39&y=17
RSI, Money Flow, Volume Accumulation, 3sma, Bollinger bands - http://bigcharts.marketwatch.com/advchart/frames/frames.asp?show=True&insttype=Stock&symb=OVBC&time=6&startdate=1%2F4%2F1999&enddate=11%2F21%2F2011&freq=1&compidx=aaaaa%3A0&comptemptext=&comp=none&ma=4&maval=9&uf=8&lf=2&lf2=512&lf3=4096&type=4&style=380&size=2&timeFrameToggle=false&compareToToggle=false&indicatorsToggle=false&chartStyleToggle=false&state=11&x=35&y=12
Price Channel, Momentum, Volatility Slow, P/E Ratio - http://bigcharts.marketwatch.com/advchart/frames/frames.asp?show=True&insttype=Stock&symb=OVBC&time=6&startdate=1%2F4%2F1999&enddate=11%2F21%2F2011&freq=1&compidx=aaaaa%3A0&comptemptext=&comp=none&ma=6&maval=9&uf=128&lf=65536&lf2=16384&lf3=16777216&type=4&style=380&size=2&timeFrameToggle=false&compareToToggle=false&indicatorsToggle=false&chartStyleToggle=false&state=11&x=23&y=19



Volume, MACD, ADX 3 EMA Par sar - http://bigcharts.marketwatch.com/advchart/frames/frames.asp?show=True&insttype=Stock&symb=OVBC&time=18&startdate=1%2F4%2F1999&enddate=11%2F21%2F2011&freq=8&compidx=aaaaa%3A0&comptemptext=&comp=none&ma=6&maval=9&uf=16&lf=1&lf2=4&lf3=1024&type=4&style=380&size=2&timeFrameToggle=false&compareToToggle=false&indicatorsToggle=false&chartStyleToggle=false&state=11&x=38&y=6
RSI, Money Flow, Volume Accumulation, 3sma, Bollinger bands - http://bigcharts.marketwatch.com/advchart/frames/frames.asp?show=True&insttype=Stock&symb=OVBC&time=18&startdate=1%2F4%2F1999&enddate=11%2F21%2F2011&freq=8&compidx=aaaaa%3A0&comptemptext=&comp=none&ma=4&maval=9&uf=8&lf=2&lf2=512&lf3=4096&type=4&style=380&size=2&timeFrameToggle=false&compareToToggle=false&indicatorsToggle=false&chartStyleToggle=false&state=11&x=30&y=11
Price Channel, Momentum, Volatility Slow, P/E Ratio - http://bigcharts.marketwatch.com/advchart/frames/frames.asp?show=True&insttype=&symb=OVBC&time=18&startdate=1%2F4%2F1999&enddate=11%2F21%2F2011&freq=8&compidx=aaaaa%3A0&comptemptext=&comp=none&ma=6&maval=9&uf=128&lf=65536&lf2=16384&lf3=16777216&type=4&style=380&size=2&timeFrameToggle=false&compareToToggle=false&indicatorsToggle=false&chartStyleToggle=false&state=11&x=35&y=14



Volume, MACD, ADX 3 EMA Par sar - http://bigcharts.marketwatch.com/advchart/frames/frames.asp?show=True&insttype=Stock&symb=OVBC&time=3&startdate=1%2F4%2F1999&enddate=11%2F21%2F2011&freq=7&compidx=aaaaa%3A0&comptemptext=&comp=none&ma=6&maval=9&uf=16&lf=1&lf2=4&lf3=1024&type=4&style=380&size=2&timeFrameToggle=false&compareToToggle=false&indicatorsToggle=false&chartStyleToggle=false&state=11&x=39&y=14
RSI, Money Flow, Volume Accumulation, 3sma, Bollinger bands - http://bigcharts.marketwatch.com/advchart/frames/frames.asp?show=True&insttype=Stock&symb=OVBC&time=3&startdate=1%2F4%2F1999&enddate=11%2F21%2F2011&freq=7&compidx=aaaaa%3A0&comptemptext=&comp=none&ma=4&maval=9&uf=8&lf=2&lf2=512&lf3=4096&type=4&style=380&size=2&timeFrameToggle=false&compareToToggle=false&indicatorsToggle=false&chartStyleToggle=false&state=11&x=20&y=16
Price Channel, Momentum, Volatility Slow, P/E Ratio - http://bigcharts.marketwatch.com/advchart/frames/frames.asp?show=True&insttype=Stock&symb=OVBC&time=3&startdate=1%2F4%2F1999&enddate=11%2F21%2F2011&freq=7&compidx=aaaaa%3A0&comptemptext=&comp=none&ma=6&maval=9&uf=128&lf=65536&lf2=16384&lf3=16777216&type=4&style=380&size=2&timeFrameToggle=false&compareToToggle=false&indicatorsToggle=false&chartStyleToggle=false&state=11&x=46&y=6



Volume, MACD, ADX 3 EMA Par sar - http://bigcharts.marketwatch.com/advchart/frames/frames.asp?show=True&insttype=Stock&symb=OVBC&time=1&startdate=1%2F4%2F1999&enddate=11%2F21%2F2011&freq=6&compidx=aaaaa%3A0&comptemptext=&comp=none&ma=6&maval=9&uf=16&lf=1&lf2=4&lf3=1024&type=4&style=380&size=2&timeFrameToggle=false&compareToToggle=false&indicatorsToggle=false&chartStyleToggle=false&state=11&x=42&y=20
RSI, Money Flow, Volume Accumulation, 3sma, Bollinger bands - http://bigcharts.marketwatch.com/advchart/frames/frames.asp?show=True&insttype=Stock&symb=OVBC&time=1&startdate=1%2F4%2F1999&enddate=11%2F21%2F2011&freq=6&compidx=aaaaa%3A0&comptemptext=&comp=none&ma=4&maval=9&uf=8&lf=2&lf2=512&lf3=4096&type=4&style=380&size=2&timeFrameToggle=false&compareToToggle=false&indicatorsToggle=false&chartStyleToggle=false&state=11&x=36&y=11
Price Channel, Momentum, Volatility Slow, P/E Ratio - http://bigcharts.marketwatch.com/advchart/frames/frames.asp?show=True&insttype=Stock&symb=OVBC&time=1&startdate=1%2F4%2F1999&enddate=11%2F21%2F2011&freq=6&compidx=aaaaa%3A0&comptemptext=&comp=none&ma=6&maval=9&uf=128&lf=65536&lf2=16384&lf3=16777216&type=4&style=380&size=2&timeFrameToggle=false&compareToToggle=false&indicatorsToggle=false&chartStyleToggle=false&state=11&x=46&y=11



Volume, MACD, ADX 3 EMA Par sar - http://bigcharts.marketwatch.com/advchart/frames/frames.asp?show=True&insttype=Stock&symb=OVBC&time=1&startdate=1%2F4%2F1999&enddate=11%2F21%2F2011&freq=9&compidx=aaaaa%3A0&comptemptext=&comp=none&ma=6&maval=9&uf=16&lf=1&lf2=4&lf3=1024&type=4&style=380&size=2&timeFrameToggle=false&compareToToggle=false&indicatorsToggle=false&chartStyleToggle=false&state=11&x=31&y=14
RSI, Money Flow, Volume Accumulation, 3sma, Bollinger bands - http://bigcharts.marketwatch.com/advchart/frames/frames.asp?show=True&insttype=Stock&symb=OVBC&time=1&startdate=1%2F4%2F1999&enddate=11%2F21%2F2011&freq=9&compidx=aaaaa%3A0&comptemptext=&comp=none&ma=4&maval=9&uf=8&lf=2&lf2=512&lf3=4096&type=4&style=380&size=2&timeFrameToggle=false&compareToToggle=false&indicatorsToggle=false&chartStyleToggle=false&state=11&x=23&y=15
Price Channel, Momentum, Volatility Slow, P/E Ratio - http://bigcharts.marketwatch.com/advchart/frames/frames.asp?show=True&insttype=Stock&symb=OVBC&time=1&startdate=1%2F4%2F1999&enddate=11%2F21%2F2011&freq=9&compidx=aaaaa%3A0&comptemptext=&comp=none&ma=6&maval=9&uf=128&lf=65536&lf2=16384&lf3=16777216&type=4&style=380&size=2&timeFrameToggle=false&compareToToggle=false&indicatorsToggle=false&chartStyleToggle=false&state=11&x=22&y=15



























---------------------













---------------------
























* If a symbol changes or adds a D, etc. Message me for an updated version.
Twitter: @MACDgyver ---> OVBC <---

Ohio Valley Banc Corp. (Ohio Valley) is a financial holding company. Ohio Valley has one banking subsidiary, The Ohio Valley Bank Company (the Bank). Ohio Valley also owns two nonbank subsidiaries, Loan Central, Inc. (Loan Central) and Ohio Valley Financial Services Agency, LLC (Ohio Valley Financial Services), which engage in lending and insurance agency services, and two wholly owned subsidiary trusts formed to issue trust preferred securities. Ohio Valley also owns a minority interest in an insurance company. The company operates in two segments: banking and consumer finance. The Bank is primarily engaged in commercial and retail banking. The Bank is a full-service financial institution offering a range of commercial and consumer banking services within central and southeastern Ohio, as well as western West Virginia.

~ $OVBC ~ Earnings posted, pending or coming soon! In Charts and Links Below!

~ $OVBC ~ Earnings expected on Wednesday *
This Week In Earnings: Earnings are coming or are already posted! This is what the charts look like! If you play the earnings these posts can be very helpful to you!
Want more like this? Search Keyword: MACMONEY >>> http://tinyurl.com/MACMONEY <<<
One or more of many earnings sites has alerted this security has or will be posting earnings on or around the day of this message.








http://stockcharts.com/h-sc/ui?s=OVBC&p=D&b=3&g=0&id=p88783918276&a=237480049




http://stockcharts.com/h-sc/ui?s=OVBC&p=W&b=3&g=0&id=p54550695994



~ Barchart: http://barchart.com/quotes/stocks/OVBC?
~ OTC Markets: http://www.otcmarkets.com/stock/OVBC/company-info
~ Google Finance: http://www.google.com/finance?q=OVBC
~ Google Fin Options: hhttp://www.google.com/finance/option_chain?q=OVBC#
~ Yahoo! Finance ~ Stats: http://finance.yahoo.com/q/ks?s=OVBC+Key+Statistics
~ Yahoo! Finance ~ Profile: http://finance.yahoo.com/q/pr?s=OVBC
Finviz: http://finviz.com/quote.ashx?t=OVBC
~ BusyStock: http://busystock.com/i.php?s=OVBC&v=2
~ CandlestickChart: http://www.candlestickchart.com/cgi/chart.cgi?symbol=OVBC&exchange=US
~ Investorshub Trades: http://ih.advfn.com/p.php?pid=trades&symbol=OVBC
~ Investorshub Board Search: http://investorshub.advfn.com/boards/getboards.aspx?searchstr=OVBC
~ Investorshub PostStream Search: http://investorshub.advfn.com/boards/poststream.aspx?ticker=OVBC
~ Investorshub Goodies Search: http://investorshub.advfn.com/boards/msgsearchbyboard.aspx?boardID=18582&srchyr=2011&SearchStr=OVBC
~ Investorshub Message Search: http://investorshub.advfn.com/boards/msgsearch.aspx?SearchStr=OVBC
~ MarketWatch: http://www.marketwatch.com/investing/stock/OVBC/profile
~ E-Zone Chart: http://www.windchart.com/ezone/signals/?symbol=OVBC
~ 5-Min Wind: http://www.windchart.com/stockta/analysis?symbol=OVBC
~ 10-Min Wind: http://www.windchart.com/stockta/analysis?symbol=OVBC&size=l&frequency=10&color=g
~ 30-Min Wind: http://www.windchart.com/stockta/analysis?symbol=OVBC&size=l&frequency=30&color=g
~ 60-Min Wind: http://www.windchart.com/stockta/analysis?symbol=OVBC&size=l&frequency=60&color=g


http://investorshub.advfn.com/boards/post_prvt.aspx?user=251916

*If the earnings date is in error please ignore error. I do my best.