Revenue: As of FY2025 Q3, the actual value is USD 23.3 M.EPS: As of FY2025 Q3, the actual value is USD 0.64.EBIT: As of FY2025 Q3, the actual value is USD -10.85 M.<h3>Segment Revenue</h3><ul><li>Interest and Dividend Income:<ul><li>Loans, including fees: $18,659 (Q3 2025), $16,694 (Q3 2024), $53,338 (9M 2025), $48,074 (9M 2024).</li><li>Taxable Securities: $2,204 (Q3 2025), $1,793 (Q3 2024), $6,654 (9M 2025), $3,625 (9M 2024).</li><li>Tax Exempt Securities: $27 (Q3 2025), $33 (Q3 2024), $83 (9M 2025), $101 (9M 2024).</li><li>Dividends: $94 (Q3 2025), $95 (Q3 2024), $283 (9M 2025), $288 (9M 2024).</li><li>Interest-bearing deposits with banks: $563 (Q3 2025), $790 (Q3 2024), $2,028 (9M 2025), $3,653 (9M 2024).</li></ul></li></ul><h3>Operational Metrics</h3><ul><li>Net Interest Income: $14,597 (Q3 2025), $12,581 (Q3 2024), $42,272 (9M 2025), $35,734 (9M 2024).</li><li>Provision for Credit Losses: $1,112 (Q3 2025), $920 (Q3 2024), $2,676 (9M 2025), $1,852 (9M 2024).</li><li>Net Interest Income after Provision for Credit Losses: $13,485 (Q3 2025), $11,661 (Q3 2024), $39,596 (9M 2025), $33,882 (9M 2024).</li><li>Noninterest Income: $1,748 (Q3 2025), $2,854 (Q3 2024), $8,242 (9M 2025), $9,251 (9M 2024).</li><li>Noninterest Expense: $11,489 (Q3 2025), $11,220 (Q3 2024), $33,356 (9M 2025), $32,824 (9M 2024).</li><li>Net Income: $3,030 (Q3 2025), $2,719 (Q3 2024), $11,646 (9M 2025), $8,484 (9M 2024).</li></ul><h3>Cash Flow</h3><ul><li>Net Cash Provided by Operating Activities: $10,287 (9M 2025), $10,707 (9M 2024).</li><li>Net Cash (Used in) Investing Activities: -$54,467 (9M 2025), -$182,136 (9M 2024).</li><li>Net Cash Provided by Financing Activities: $50,389 (9M 2025), $125,507 (9M 2024).</li><li>Change in Cash and Cash Equivalents: $6,209 (9M 2025), -$45,922 (9M 2024).</li></ul><h3>Unique Metrics</h3><ul><li>Total Loans: $1,130,534 (Sep 30, 2025), $1,061,825 (Dec 31, 2024).</li><li>Allowance for Credit Losses: -$11,420 (Sep 30, 2025), -$10,088 (Dec 31, 2024).</li><li>Net Loans: $1,119,114 (Sep 30, 2025), $1,051,737 (Dec 31, 2024).</li><li>Total Deposits: $1,332,487 (Sep 30, 2025), $1,275,178 (Dec 31, 2024).</li><li>Total Assets: $1,570,043 (Sep 30, 2025), $1,503,412 (Dec 31, 2024).</li></ul><h3>Future Outlook and Strategy</h3><ul><li>Core Business Focus: The company aims to continue its focus on growing net income by comparing it to and monitoring against budgeted and prior year results. This information is used to manage resources to drive business and net income growth, including investment in key strategic priorities, as well as determining the ability to return capital to shareholders.</li><li>Non-Core Business: No specific plans related to divestitures, emerging segments, or exploratory efforts were mentioned in the report.</li></ul>

Ohio Valley Bancorp | 10-Q: FY2025 Q3 Revenue: USD 23.3 M