Ohio Valley Banc Corp
OVBCFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 3:59 PM ET
Price
OVBC against its 20, 50 and 200-day averages3.6% under the 52-week high of 51.25 on 15 Jun 2026. 52-week low 34.81 on 18 Nov 2025. Last 15 sessions, 11.8% high to low
Volume 0.86× normal · the line is the 50-bar volume average
Profile
OVBCOhio Valley Banc Corp. is a financial holding company, which engages in the provision of community banking services. It operates through the Banking segment. The firm also offers non-banking activities, such as securities underwriting and dealing activities, insurance agency and underwriting activities, and merchant banking and equity investment activities. The company was founded on January 8, 1992 and is headquartered in Gallipolis, OH.
| Index | RUT |
|---|---|
| Employees | 269 |
| IPO | Nov 04, 1994 |
| Beta | 0.00 |
| ATR, 14d | 1.41 |
| Rel volume | 0.86 |
| Short float | 1.14% |
| Insider own | 21.54% |
| Inst own | 30.58% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | 232.63M |
| Enterprise Value | - |
| Income | 14.47M |
| Sales | 102.51M |
| Book/sh | 36.04 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | 0.98 (1.98%) |
| Dividend Ex-Date | Oct 30, 2026 |
| Dividend Gr. 3/5Y | 2.70% 1.61% |
| Payout | 27.48% |
| Employees | 269 |
| IPO | Nov 04, 1994 |
Ratios
| P/E | 16.37 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 2.27 |
| P/B | 1.37 |
| P/C | - |
| P/FCF | 11.81 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.24 |
| Debt/Eq | 0.24 |
| LT Debt/Eq | 0.24 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 3.02 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | 5.79% 9.10% |
| Sales past 3/5Y | 17.74% 11.17% |
| EPS Y/Y TTM | 2.21% |
| Sales Y/Y TTM | 8.40% |
| EPS Q/Q | - |
| Sales Q/Q | 15.40% |
| Earnings | - |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 21.54% |
|---|---|
| Insider Trans | 0.02% |
| Inst Own | 30.58% |
| Inst Trans | 1.83% |
| ROA | 0.90% |
| ROE | 8.66% |
| ROIC | 6.85% |
| Gross Margin | - |
| Oper. Margin | 17.41% |
| Profit Margin | 14.12% |
| SMA20 | 3.51% |
| SMA50 | 6.57% |
| SMA200 | 10.02% |
| Trades | - |
Technical
| Shs Outstand | 4.71M |
|---|---|
| Shs Float | 3.70M |
| Short Float | 1.14% |
| Short Ratio | 1.50 |
| Short Interest | 0.04M |
| 52W High | 51.25 -3.65% |
| 52W Low | 34.81 41.86% |
| Volatility | 3.43% 2.81% |
| ATR (14) | 1.41 |
| RSI (14) | 62.61 |
| Beta | 0.00 |
| Rel Volume | 0.86 |
| Avg Volume | 28.17K |
| Volume | 24,339 |
Performance
| Perf Week | 0.57% |
|---|---|
| Perf Month | 7.11% |
| Perf Quarter | 6.68% |
| Perf Half Y | 8.17% |
| Perf YTD | 23.51% |
| Perf Year | 39.18% |
| Perf 3Y | 104.56% |
| Perf 5Y | 74.08% |
| Perf 10Y | 105.95% |
| Recom | - |
| Target Price | - |
| Prev Close | 48.16 |
| Price | 49.38 |
| Change % | 2.53% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| PEBO | Peoples Bancorp Inc (Marietta, OH) | 1.38B |
| LCNB | LCNB Corp | 280.25M |
| CHCO | City Holding Co | 2.01B |
| UBCP | United Bancorp Inc (Martins Ferry, OH) | 81.96M |
| SBFG | SB Financial Group Inc | 180.01M |
| CIVB | Civista Bancshares Inc | 598.58M |
| FMAO | Farmers & Merchants Bancorp Inc | 505.02M |
| MVBF | MVB Financial Corp | 331.46M |
| CFBK | CF Bankshares Inc | 236.11M |
| CTBI | Community Trust Bancorp Inc | 1.27B |
Insider trading
10 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Michael Seth Isaac | Director | Aug 12 '26 | Buy | 44.49 | 67 | 3,000 | 826 | Aug 12 04:28 PM |
| BARNITZ ANNA P | Director | Aug 12 '26 | Buy | 44.49 | 34 | 1,500 | 9,025 | Aug 12 04:22 PM |
| Michael Seth Isaac | Director | May 12 '26 | Buy | 45.84 | 65 | 3,000 | 755 | May 12 02:33 PM |
| BARNITZ ANNA P | Director | May 12 '26 | Buy | 45.84 | 33 | 1,500 | 8,942 | May 12 02:25 PM |
| Michael Seth Isaac | Director | Feb 13 '26 | Buy | 42.81 | 69 | 2,970 | 686 | Feb 13 02:36 PM |
| BARNITZ ANNA P | Director | Feb 13 '26 | Buy | 42.81 | 35 | 1,485 | 8,863 | Feb 13 02:31 PM |
| JONES RYAN JOSEPH | RISK OFFICER/COO | Dec 11 '25 | Sale | 41.66 | 6,250 | 260,398 | 27,913 | Dec 12 03:21 PM |
| JONES RYAN JOSEPH | Director | Dec 11 '25 | Proposed Sale | 41.76 | 6,250 | 261,000 | Dec 11 12:47 PM | |
| BARNITZ ANNA P | Director | Nov 12 '25 | Buy | 35.75 | 42 | 1,500 | 8,772 | Nov 12 03:38 PM |
| Michael Seth Isaac | Director | Nov 12 '25 | Buy | 35.75 | 84 | 3,000 | 613 | Nov 12 03:29 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| IWM | iShares Russell 2000 Index Fund | AUM: 77.38B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| IWN | iShares Russell 2000 Value ETF | AUM: 14.10B |
| DFAS | U.S. Small Cap Portfolio-ETF Class Shares | AUM: 15.51B |
| DFAT | U.S. Targeted Value Portfolio-ETF Class Shares | AUM: 14.47B |
| VTWO | Vanguard Russell 2000 Index ETF | AUM: 16.75B |
| DFMC | U.S. Micro Cap Portfolio ETF Class Shares | AUM: 212.10M |
| BSVO | EA Bridgeway Omni Small-Cap Value ETF | AUM: 2.44B |
| DFAC | U.S. Core Equity 2 Portfolio-ETF Class Shares | AUM: 49.14B |
News
latest 14 of 200- Ohio Valley Banc: Q3 Earnings Snapshot (Associated Press)
- Ohio Valley Banc Corp. Reports 3rd Quarter Earnings (PR Newswire)
- OVBC ANNOUNCES CASH DIVIDEND (PR Newswire)
- Top Research Reports for Goldman Sachs, TotalEnergies & Prologis (Zacks)
- OVBC announces extension of Stock Buyback Program (PR Newswire)
- Ohio Valley Banc: Q2 Earnings Snapshot (Associated Press)
- Ohio Valley Banc Corp. Reports 2nd Quarter Earnings (PR Newswire)
- OVBC ANNOUNCES CASH DIVIDEND (PR Newswire)
- Promotions, Retirements and a New Loan Office for OVBC (PR Newswire)
- Ohio Valley Banc: Q1 Earnings Snapshot (Associated Press)
- Ohio Valley Banc Corp. Reports 1st Quarter Earnings (PR Newswire)
- OVBC ANNOUNCES CASH DIVIDEND (PR Newswire)
- OVBC Stock Up Post Q4 Earnings on Strong Loan Growth, Margin Expansion (Zacks)
- Ohio Valley Banc Corp. Reports 4th Quarter and Record Fiscal Year Earnings (PR Newswire)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2025Q1 | 2025-04-25 | - | - | 0.935 | - | - | - |
| 2024Q3 | 2024-10-28 | - | - | 0.577 | - | - | - |
| 2022Q3 | 2022-10-28 | - | - | 0.773 | 14.46 | - | - |
| 2022Q2 | 2022-07-27 | - | - | 0.419 | 13.19 | - | - |
| 2021Q4 | 2022-01-27 | - | - | 0.484 | - | - | - |
| 2020Q3 | 2020-10-27 | - | - | 0.479 | - | - | - |
| 2020Q2 | 2020-07-27 | - | - | 0.473 | 12.04 | - | - |
| 2020Q1 | 2020-04-27 | - | - | 0.209 | - | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| No annual earnings. | |||||
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 1.603 | 2.527 | 2.078 | 2.143 | 2.454 | 2.797 | 2.645 | 2.322 | 3.312 | 3.0161 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | 0.577 | 0.534 | 0.935 | 0.894 | 0.643 | 0.84 | 0.912 | 0.621 | - | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Sales, annual | 54.644 | 57.897 | 57.961 | 55.483 | 54.521 | 57.715 | 74.479 | 88.93 | 94.207 | 102.51 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 22.261 | 23.936 | 23.446 | 23.887 | 23.295 | 23.579 | 25.763 | 26.287 | 26.883 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Shares, annual | 4.702 | 4.74 | 4.787 | 4.787 | 4.753 | 4.772 | 4.773 | 4.711 | 4.711 | 4.711 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 4.711 | 4.711 | 4.711 | 4.711 | 4.711 | 4.711 | 4.711 | 4.711 | 4.711 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 92.62 | 85.24 | 75.76 | 61.87 | 47.62 | 44.71 | 46.17 | 50.32 | 49.20 |
| Total Interest Expense | 30.99 | 27.49 | 26.96 | 15.84 | 2.84 | 3.70 | 6.19 | 7.26 | 5.47 |
| Net Interest Income | 61.63 | 57.74 | 48.80 | 46.03 | 44.78 | 41.01 | 39.98 | 43.05 | 43.73 |
| Loan Loss Provision | 8.58 | 3.05 | 2.47 | 2.09 | -0.03 | -0.42 | 2.98 | 1.00 | 1.04 |
| Net Interest Income After Loan Loss Provision | 53.05 | 54.69 | 46.34 | 43.94 | 44.81 | 41.43 | 37.00 | 42.05 | 42.69 |
| Non-Interest Income | 9.89 | 8.97 | 13.17 | 12.61 | 10.10 | 9.81 | 9.31 | 7.64 | 8.70 |
| Non-Interest Expense | 45.10 | 44.21 | 46.13 | 41.35 | 38.98 | 37.23 | 36.01 | 39.23 | 37.18 |
| Operating Income | 17.84 | 19.45 | 13.38 | 15.20 | 15.93 | 14.02 | 10.31 | 10.46 | 14.21 |
| Unusual Expense | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -2.00 | 0.00 | 0.01 |
| Net Income Before Taxes | 17.84 | 19.45 | 13.38 | 15.20 | 15.93 | 14.02 | 12.31 | 11.72 | 14.20 |
| Income Taxes | 3.37 | 3.85 | 2.38 | 2.57 | 2.59 | 2.28 | 2.05 | 1.81 | 2.25 |
| Consolidated Net Income | 14.47 | 15.60 | 11.00 | 12.63 | 13.34 | 11.73 | 10.26 | 9.91 | 11.94 |
| Net Income From Continuing Operations | 14.47 | 15.60 | 11.00 | 12.63 | 13.34 | 11.73 | 10.26 | 9.91 | 11.94 |
| Net Income | 14.47 | 15.60 | 11.00 | 12.63 | 13.34 | 11.73 | 10.26 | 9.91 | 11.94 |
| EPS (Recurring) | - | 3.31 | 2.32 | 2.65 | 2.80 | 2.45 | 1.85 | 2.08 | 2.53 |
| EPS (Basic, Before Extraordinaries) | 3.07 | 3.31 | 2.32 | 2.65 | 2.80 | 2.45 | 2.14 | 2.08 | 2.53 |
| EPS (Diluted) | - | 3.31 | 2.32 | 2.65 | 2.80 | 2.45 | 2.14 | 2.08 | 2.53 |
| Non-Operating Income (Expense) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | - | - | - | - | - | 0.00 | 0.24 | 0.23 |
| Price To Earnings Ratio | 15.97 | 15.97 | 9.83 | 8.49 | 10.33 | 11.95 | 10.89 | 18.86 | 13.84 |
| Price To Sales Ratio | 2.03 | 2.00 | 1.29 | 1.47 | 2.18 | 2.60 | 2.04 | 3.26 | 2.89 |
| Operating Margin | 17.41 | 20.65 | 15.04 | 20.41 | 27.60 | 25.71 | 18.58 | 18.05 | 24.53 |
| Net Margin | 14.12 | 16.56 | 12.37 | 16.96 | 23.11 | 21.52 | 18.49 | 17.09 | 20.63 |
| Shares Outstanding | 4.71 | 4.71 | 4.71 | 4.77 | 4.77 | 4.75 | 4.79 | 4.79 | 4.74 |
| Market Capitalization | 226.88 | 226.88 | 114.05 | 109.78 | 125.27 | 139.86 | 111.70 | 187.17 | 165.40 |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 23.81 | 23.48 | 22.48 | 22.85 | 21.55 | 21.04 | 19.80 | 20.02 |
| Total Interest Expense | 7.95 | 8.08 | 7.59 | 7.38 | 6.95 | 6.50 | 6.66 | 6.95 |
| Net Interest Income | 15.87 | 15.40 | 14.89 | 15.47 | 14.60 | 14.54 | 13.14 | 13.07 |
| Loan Loss Provision | 2.83 | 3.75 | 1.62 | 0.38 | 1.11 | 1.15 | 0.42 | 0.62 |
| Net Interest Income After Loan Loss Provision | 13.04 | 11.64 | 13.27 | 15.10 | 13.48 | 13.39 | 12.72 | 12.45 |
| Non-Interest Income | 3.07 | 2.81 | 3.29 | 0.73 | 1.75 | 2.85 | 3.65 | 3.91 |
| Non-Interest Expense | 12.07 | 10.87 | 11.30 | 10.85 | 11.49 | 11.05 | 10.82 | 13.30 |
| Operating Income | 4.04 | 3.58 | 5.25 | 4.97 | 3.74 | 5.19 | 5.55 | 3.07 |
| Unusual Expense | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 4.04 | 3.58 | 5.25 | 4.97 | 3.74 | 5.19 | 5.55 | 3.07 |
| Income Taxes | 0.74 | 0.66 | 0.96 | 1.01 | 0.71 | 0.98 | 1.15 | 0.55 |
| Consolidated Net Income | 3.29 | 2.93 | 4.30 | 3.96 | 3.03 | 4.21 | 4.41 | 2.52 |
| Net Income From Continuing Operations | 3.29 | 2.93 | 4.30 | 3.96 | 3.03 | 4.21 | 4.41 | 2.52 |
| Net Income | 3.29 | 2.93 | 4.30 | 3.96 | 3.03 | 4.21 | 4.41 | 2.52 |
| EPS (Recurring) | - | 0.62 | 0.91 | 0.84 | 0.64 | 0.89 | 0.94 | 0.53 |
| EPS (Basic, Before Extraordinaries) | 0.70 | 0.62 | 0.91 | 0.84 | 0.64 | 0.89 | 0.94 | 0.53 |
| EPS (Diluted) | - | 0.62 | 0.91 | 0.84 | 0.64 | 0.89 | 0.94 | 0.53 |
| Non-Operating Income (Expense) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price To Earnings Ratio | 15.97 | 13.21 | 13.24 | 13.30 | 12.58 | 12.06 | 11.22 | 9.83 |
| Price To Sales Ratio | 2.03 | 2.07 | 2.14 | 2.00 | 1.84 | 1.62 | 1.35 | 1.28 |
| Operating Margin | 15.02 | 13.63 | 20.39 | 21.08 | 16.07 | 21.71 | 23.68 | 12.81 |
| Net Margin | 12.26 | 11.13 | 16.68 | 16.77 | 13.01 | 17.62 | 18.79 | 10.51 |
| Shares Outstanding | 4.71 | 4.71 | 4.71 | 4.71 | 4.71 | 4.71 | 4.71 | 4.71 |
| Market Capitalization | 226.88 | 204.60 | 206.62 | 188.35 | 174.21 | 151.84 | 122.72 | 114.05 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 14.85 | 15.70 | 14.25 | 14.33 | 14.11 | 14.99 | 12.81 | 13.81 | 12.66 |
| Investments | 296.42 | 348.24 | 290.30 | 234.12 | 334.81 | 255.66 | 166.76 | 184.93 | 189.94 |
| Net Loans | 1,184.50 | 1,051.74 | 963.13 | 879.78 | 824.71 | 841.50 | 766.50 | 770.32 | 761.82 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | - | - | - | - | 0.01 | 0.05 | 0.54 | 0.43 | 1.57 |
| Net Property, Plant & Equipment | 21.43 | 22.25 | 22.66 | 21.73 | 21.93 | 22.19 | 20.27 | 14.86 | 13.28 |
| Interest Receivables | 5.48 | 4.80 | 3.61 | 3.11 | 2.69 | 3.32 | 2.56 | 2.64 | 2.50 |
| Deferred Tax Assets | 5.62 | 7.22 | 6.31 | 6.27 | - | - | - | - | - |
| Other Intangible Assets | 54.36 | 53.46 | 51.88 | 51.45 | 51.50 | 49.22 | 43.82 | 43.52 | 44.51 |
| Total Assets | 1,582.65 | 1,503.41 | 1,352.13 | 1,210.79 | 1,249.77 | 1,186.93 | 1,013.27 | 1,030.49 | 1,026.29 |
| Total Deposits | 1,329.67 | 1,275.18 | 1,127.14 | 1,027.65 | 1,059.91 | 993.74 | 821.47 | 846.70 | 856.72 |
| Total Debt | 54.27 | 49.26 | 54.30 | 27.74 | 29.31 | 37.24 | 43.54 | 48.21 | 44.45 |
| Long Term Debt | 41.07 | 41.13 | 46.30 | 23.97 | 26.00 | 30.75 | 36.04 | 40.91 | 38.93 |
| Provision for Risks Charges | 0.87 | 0.58 | 0.69 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Liabilities | 27.59 | 28.06 | 26.00 | 20.36 | 19.20 | 19.63 | 20.08 | 17.70 | 15.76 |
| Total Liabilities | 1,412.40 | 1,353.08 | 1,208.13 | 1,075.76 | 1,108.41 | 1,050.61 | 885.09 | 912.62 | 916.93 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 170.26 | 150.33 | 144.01 | 135.03 | 141.36 | 136.32 | 128.18 | 117.87 | 109.36 |
| Total Shareholders Equity | 170.26 | 150.33 | 144.01 | 135.03 | 141.36 | 136.32 | 128.18 | 117.87 | 109.36 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 170.26 | 150.33 | 144.01 | 135.03 | 141.36 | 136.32 | 128.18 | 117.87 | 109.36 |
| Total Liabilities & Stockholders Equity | 1,582.65 | 1,503.41 | 1,352.13 | 1,210.79 | 1,249.77 | 1,186.93 | 1,013.27 | 1,030.49 | 1,026.29 |
| Book Value Per Share | 36.14 | 31.91 | 30.17 | 28.30 | 29.74 | 28.48 | 26.77 | 24.87 | 23.26 |
| Tangible Book Value Per Share | 34.59 | 30.36 | 28.64 | 26.76 | 28.19 | 26.92 | 25.21 | 23.23 | 21.58 |
| Tier 1 Capital | - | - | - | - | - | - | 128.66 | 120.76 | 110.96 |
| Tier 2 Capital | - | - | - | - | - | - | 6.27 | 6.73 | 7.50 |
| Full-Time Employees | 269 | 260 | 284 | 284 | 255 | 264 | 284 | 300 | 305 |
| Price to Book Ratio | 1.34 | 0.75 | 0.80 | 0.97 | 0.99 | 0.82 | 1.46 | 1.41 | 1.70 |
| Return on Assets | 1.01 | 0.77 | 0.99 | 1.08 | 0.96 | 0.93 | 0.97 | 1.16 | 0.76 |
| Return on Equity | 9.73 | 7.47 | 9.05 | 9.65 | 8.45 | 7.76 | 8.05 | 10.51 | 7.02 |
| Return on Invested Capital | 7.38 | 5.74 | 6.64 | 8.39 | 7.01 | 6.14 | 6.03 | 7.52 | 5.06 |
| Current Ratio | 0.05 | 0.09 | 0.17 | 0.08 | 0.22 | 0.15 | 0.08 | 0.10 | 0.10 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | - | 19.05 | 11.94 | 14.20 | 15.78 | 12.85 | 13.03 | 10.46 | 13.99 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | -0.99 | 1.15 | 6.55 | -0.48 | -0.57 | -1.79 | 3.98 | 3.81 |
| Cash from Operating Activities | - | 18.06 | 13.10 | 20.75 | 15.29 | 12.28 | 11.24 | 14.44 | 17.80 |
| Capital Expenditures | - | -1.54 | -2.21 | -3.04 | -3.45 | -1.64 | -8.03 | -6.73 | -2.73 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.20 | 0.03 | 0.22 | 0.62 | 0.49 | 0.01 | 0.40 | 0.00 |
| Purchase or Sale of Investments | - | 24.46 | -102.29 | 27.60 | -27.29 | -68.97 | -2.49 | 4.22 | 0.22 |
| Purchase of Investments | - | -143.28 | -137.95 | -0.59 | -66.82 | -161.69 | -41.88 | -20.13 | -23.76 |
| Sale Or Maturity of Investments | - | 167.75 | 35.66 | 28.18 | 39.53 | 92.72 | 39.40 | 24.34 | 23.98 |
| Federal Home Loan Advances Increase (Decrease) | - | -0.25 | 0.03 | 0.92 | 1.31 | 0.24 | 0.00 | 0.00 | 0.00 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.23 | 0.25 | 0.14 | 0.00 | 0.17 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | - | -110.58 | -195.18 | -59.79 | -82.69 | -51.50 | -87.43 | 0.23 | -12.38 |
| Cash Dividends Paid | - | -4.29 | -4.18 | -4.87 | -4.72 | -4.02 | -4.02 | -4.00 | -3.97 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | 0.00 | -1.95 | -0.08 | 0.00 | -0.95 | 0.00 | 1.41 | 1.32 |
| Repurchase of Common Pref Stock | - | 0.00 | -1.95 | -0.08 | 0.00 | -0.95 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.41 | 1.32 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.41 | 1.32 |
| Issuance or Reduction of Debt, Net | - | 5.11 | -4.85 | 26.65 | -1.67 | -8.25 | -6.13 | -5.72 | 3.76 |
| Change in Long Term Debt | - | 5.01 | -4.96 | 26.63 | -1.91 | -7.19 | -5.50 | -5.72 | 3.85 |
| Issuance of Long Term Debt | - | 10.00 | 0.00 | 30.00 | 0.00 | 0.60 | 0.00 | 0.00 | 8.00 |
| Reduction of Long Term Debt | - | -4.99 | -4.96 | -3.37 | -1.91 | -7.79 | -5.50 | -5.72 | -4.15 |
| Net Financing Active Other Cash Flow | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | - | - | - | - | - | - | 0.00 | 0.00 | - |
| Cash from Financing Activities | - | 55.31 | 137.07 | 121.18 | -38.64 | 52.95 | 162.14 | -33.49 | -8.81 |
| Net Change in Cash | - | -37.21 | -45.02 | 82.14 | -106.04 | 13.73 | 85.95 | -18.82 | -3.39 |
| Free Cash Flow | - | 17.03 | 11.66 | 17.96 | 13.30 | 11.20 | 7.79 | 8.21 | 15.07 |
| Price to Free Cash Flow | - | 14.78 | 15.32 | 8.39 | 14.68 | 19.74 | 30.01 | 44.85 | 15.06 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 14.69 | 15.52 | 16.25 | 14.85 | 17.07 | 16.80 |
| Investments | 312.01 | 323.84 | 371.20 | 296.42 | 344.50 | 314.66 |
| Net Loans | 1,234.76 | 1,229.50 | 1,201.87 | 1,184.50 | 1,119.11 | 1,090.41 |
| Investment in Unconsolidated Affiliates | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 22.70 | 23.77 | 21.38 | 21.43 | 21.75 | 21.78 |
| Interest Receivables | 5.66 | 5.49 | 5.54 | 5.48 | 5.51 | 4.94 |
| Deferred Tax Assets | 8.76 | 6.08 | 6.25 | 5.62 | 6.06 | 6.07 |
| Other Intangible Assets | 56.77 | 57.24 | 55.01 | 54.36 | 56.06 | 55.70 |
| Total Assets | 1,655.35 | 1,661.44 | 1,677.50 | 1,582.65 | 1,570.04 | 1,510.36 |
| Total Deposits | 1,413.52 | 1,408.43 | 1,423.67 | 1,329.67 | 1,332.49 | 1,276.76 |
| Total Debt | 41.37 | 51.73 | 52.91 | 54.27 | 45.49 | 46.61 |
| Long Term Debt | 41.37 | 40.47 | 39.66 | 41.07 | 43.39 | 41.14 |
| Provision for Risks Charges | 0.71 | 0.73 | 0.79 | 0.87 | 0.82 | 0.64 |
| Other Liabilities | 29.95 | 27.16 | 28.85 | 27.59 | 26.83 | 25.59 |
| Total Liabilities | 1,485.55 | 1,488.05 | 1,506.22 | 1,412.40 | 1,405.63 | 1,349.60 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 169.80 | 173.39 | 171.28 | 170.26 | 164.42 | 160.76 |
| Total Shareholders Equity | 169.80 | 173.39 | 171.28 | 170.26 | 164.42 | 160.76 |
| Accumulated Minority Interest | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 169.80 | 173.39 | 171.28 | 170.26 | 164.42 | 160.76 |
| Total Liabilities & Stockholders Equity | 1,655.35 | 1,661.44 | 1,677.50 | 1,582.65 | 1,570.04 | 1,510.36 |
| Book Value Per Share | 36.04 | 36.80 | 36.36 | 36.14 | 34.90 | 34.12 |
| Tangible Book Value Per Share | 34.49 | 35.25 | 34.80 | 34.59 | 33.35 | 32.57 |
| Full-Time Employees | - | - | - | 269 | - | - |
| Price to Book Ratio | 1.34 | 1.19 | 1.21 | 1.15 | 1.08 | 0.98 |
| Return on Assets | 0.90 | 0.90 | 0.97 | 1.01 | 0.92 | 0.95 |
| Return on Equity | 8.66 | 8.50 | 9.48 | 9.73 | 8.95 | 9.04 |
| Return on Invested Capital | 1.56 | 1.37 | 2.04 | 1.87 | 1.46 | 2.09 |
| Current Ratio | 0.24 | 0.15 | 0.23 | 0.05 | 0.17 | 0.10 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Operating Activities | - | 2.64 | 7.19 | 7.78 | 5.31 | 4.48 |
| Capital Expenditures | - | -2.44 | -0.39 | -0.73 | -0.34 | -0.11 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 0.00 | 0.20 | 0.00 | 0.00 |
| Purchase or Sale of Investments | - | 2.03 | 0.00 | 9.41 | 5.77 | -3.23 |
| Purchase of Investments | - | -9.97 | -44.68 | -45.06 | -30.91 | -39.82 |
| Sale Or Maturity of Investments | - | 12.01 | 44.68 | 54.47 | 36.68 | 36.59 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 |
| Cash from Investing Activities | - | -31.75 | -19.36 | -56.12 | -24.11 | -60.70 |
| Cash Dividends Paid | - | -1.18 | -1.08 | -1.08 | -1.08 | -1.08 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Repurchase of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | -1.71 | -1.32 | 8.82 | -1.15 | -1.26 |
| Change in Long Term Debt | - | -1.24 | -1.35 | 8.81 | -1.18 | -1.24 |
| Issuance of Long Term Debt | - | 0.00 | 0.00 | 10.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | - | -1.24 | -1.35 | -1.19 | -1.18 | -1.24 |
| Net Financing Active Other Cash Flow | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | - | 0.00 | 0.00 | - | 0.00 | 0.00 |
| Cash from Financing Activities | - | -18.13 | 91.60 | 4.92 | 53.49 | -9.75 |
| Net Change in Cash | - | -47.24 | 79.43 | -43.42 | 34.69 | -65.98 |
| Free Cash Flow | - | 0.37 | 6.80 | 7.55 | 4.97 | 4.37 |
| Price to Free Cash Flow | - | 13.40 | 10.67 | 14.78 | 23.56 | 19.25 |
Revenue breakdown
| United States | 2024: 61.98M 2025: 66.72M |
|---|---|
| Total State Commercial Banks revenue | 2024: 61.98M 2025: 66.72M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 1.14% | 0.0M | 3.7M | 28.99K |
| 2026-10-15 | 1.31% | 0.0M | 3.7M | 35.32K |
| 2026-09-30 | 1.35% | 0.0M | 3.7M | 37.16K |
| 2026-09-15 | 1.64% | 0.1M | 3.7M | 40.30K |
| 2026-08-31 | 1.56% | 0.1M | 3.7M | 42.17K |
| 2026-08-14 | 1.47% | 0.1M | 3.7M | 43.40K |
| 2026-07-31 | 1.41% | 0.1M | 3.7M | 39.95K |
| 2026-07-15 | 1.70% | 0.1M | 3.7M | 31.14K |
| 2026-06-30 | 1.47% | 0.1M | 3.7M | 29.40K |
| 2026-06-15 | 1.16% | 0.0M | 3.7M | 23.24K |
| 2026-05-29 | 1.12% | 0.0M | 3.7M | 17.74K |
| 2026-05-15 | 1.07% | 0.0M | 3.7M | 12.90K |
| 2026-04-30 | 0.95% | 0.0M | 3.7M | 13.03K |
| 2026-04-15 | 0.90% | 0.0M | 3.7M | 12.69K |
| 2026-03-31 | 0.99% | 0.0M | 3.8M | 11.22K |
| 2026-03-13 | 1.02% | 0.0M | 3.8M | 11.10K |
| 2026-02-27 | 0.98% | 0.0M | 3.8M | 12.28K |
| 2026-02-13 | 1.00% | 0.0M | 3.8M | 11.81K |
| 2026-01-30 | 1.26% | 0.0M | 3.8M | 11.05K |
| 2026-01-15 | 0.99% | 0.0M | 3.8M | 11.20K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-10-27 | 8-K | Current report | 2026-10-27 | SEC |
| 2026-10-20 | 8-K | Current report | 2026-10-20 | SEC |
| 2026-08-19 | 8-K | Current report | 2026-08-19 | SEC |
| 2026-08-13 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-08-12 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-12 | SEC |
| 2026-08-12 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-12 | SEC |
| 2026-07-27 | 8-K | Current report | 2026-07-27 | SEC |
| 2026-07-14 | 8-K | Current report | 2026-07-14 | SEC |
| 2026-05-15 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-05-15 | 8-K | Current report | 2026-05-13 | SEC |
| 2026-05-12 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-12 | SEC |
| 2026-05-12 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-12 | SEC |
| 2026-04-28 | 8-K | Current report | 2026-04-28 | SEC |
| 2026-04-14 | 8-K | Current report | 2026-04-14 | SEC |
| 2026-04-02 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-05-13 | SEC |
| 2026-03-13 | 10-K | Annual report pursuant to Section 13 or 15(d) | 2025-12-31 | SEC |
| 2026-03-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-10 | SEC |
| 2026-02-27 | 8-K | Current report | 2026-02-27 | SEC |
| 2026-02-13 | 4 | Statement of changes in beneficial ownership of securities | 2026-02-13 | SEC |
| 2026-02-13 | 4 | Statement of changes in beneficial ownership of securities | 2026-02-13 | SEC |
| 2026-02-13 | 4 | Statement of changes in beneficial ownership of securities | 2026-02-13 | SEC |
| 2026-02-12 | SCHEDULE 13G/A | SEC | ||
| 2026-01-27 | 8-K | Current report | 2026-01-27 | SEC |
| 2026-01-13 | 8-K | Current report | 2026-01-13 | SEC |
| 2025-12-30 | 4 | Statement of changes in beneficial ownership of securities | 2025-12-30 | SEC |
| 2025-12-30 | 4 | Statement of changes in beneficial ownership of securities | 2025-12-30 | SEC |
| 2025-12-30 | 4 | Statement of changes in beneficial ownership of securities | 2025-12-30 | SEC |
| 2025-12-30 | 4 | Statement of changes in beneficial ownership of securities | 2025-12-30 | SEC |
| 2025-12-30 | 4 | Statement of changes in beneficial ownership of securities | 2025-12-30 | SEC |
| 2025-12-30 | 4 | Statement of changes in beneficial ownership of securities | 2025-12-30 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 4.50K | 2 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 4.50K | 2 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 4.45K | 2 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 260.40K | 1 |
| 2025-11 | 4.50K | 2 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| BlackRock, Inc. | 5.22% |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | 3.75% |
| VANGUARD CAPITAL MANAGEMENT LLC | 3.44% |
| DIMENSIONAL FUND ADVISORS LP | 2.73% |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | 2.20% |
| GEODE CAPITAL MANAGEMENT, LLC | 1.94% |
| STATE STREET CORP | 1.49% |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | 0.79% |
| Prosperity Consulting Group, LLC | 0.74% |
| NORTHERN TRUST CORP | 0.69% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.48% |
| iShares Russell 2000 ETF | 2.15% |
| Fidelity Small Cap Index Fund | 0.88% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.88% |
| iShares Russell 2000 Value ETF | 0.74% |
| VANGUARD RUSSELL 2000 INDEX FUND | 0.46% |
| U.S. SMALL CAP PORTFOLIO | 0.41% |
| Fidelity Extended Market Index Fund | 0.40% |
| U.S. MICRO CAP PORTFOLIO | 0.35% |
| Omni Small-Cap Value Fund | 0.33% |
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