Oak Valley Bancorp OVLY R2K

Financial Services · Banks - Regional · United States

https://www.ovcb.com

Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank that provides a range of commercial banking services to individuals and small to medium-sized businesses in the Central Valley and the Eastern Sierras. The company accepts deposits through checking and savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. It also provides commercial real estate loans, commercial business lending and trade finance, and small business administration lending, as well as consumer loans, including automobile loans, home mortgages, credit lines, and other personal loans. In addition, the company offers Internet, online, and mobile banking services; automated teller machines; and remote deposit capture, merchant, night depository, extended hours, wire transfer of funds, and note collection services. Oak Valley Bancorp was incorporated in 1990 and is headquartered in Oakdale, California.

Market & Price

Market Cap

$276.89M

Current Price

$32.91

High / Low (52W)

$35.07 / $24.54

Beta

0.21

Valuation

Stock P/E

11.43

Industry PE

12.01

Forward P/E

PEG Ratio

Book Value

$25.21

Price to Book

1.31

P/S

3.37

EV/EBITDA

Dividend Yield

2.28%

Profitability & Returns

ROCE

ROE

12.28%

ROA

1.22%

Profit Margin

29.14%

Op Margin

34.96%

EPS (Latest Qtr)

$0.64

EPS (TTM)

$2.88

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$8.25M

Total Assets

$2.02B

Current Assets

Working Capital

Ownership

Promoter Holding

15.14%

Chg in Prom Hold

FII / Inst Holding

33.81%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$78.96M

Total Revenue (TTM)

$82.09M

EBITDA

Free Cash Flow

Operating Cash Flow

$28.48M

Shares Outstanding

8.41M

Gross Margin

0.00%

Payout Ratio

23.44%

Growth (CAGR)

Revenue 5Y

7.58%

Profit 5Y

1.45%

Revenue (YoY)

6.10%

Earnings (YoY)

0.00%

PROS

Excellent profit margin of 29.1%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	OVLY Oak Valley Bancorp R2K	32.91	11.43	$276.89M	2.28%	-	12.28%	7.58%	1.45%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2013	Sep 2013	Mar 2014	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	19.42M	19.86M	21.17M	21.28M	20.78M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3.31M	3.27M	3.32M	3.41M	3.40M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6.80M	7.17M	8.53M	8.15M	6.81M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.50M	1.58M	1.84M	1.82M	1.50M
Net Income	1.37M	1.50M	1.41M	2.54M	1.53M	1.53M	1.51M	1.38M	1.51M	1.90M	1.93M	2.21M	2.83M	2.47M	2.80M	2.59M	3.17M	3.10M	2.96M	3.23M	2.71M	2.58M	3.75M	4.36M	3.96M	4.55M	2.37M	4.26M	6.80M	9.22M	8.40M	7.35M	5.73M	5.89M	7.32M	5.30M	5.59M	6.69M	6.33M	5.31M
Diluted EPS	0.18	0.19	0.18	0.32	0.19	0.19	0.19	0.17	0.19	0.24	0.24	0.27	0.35	0.31	0.35	0.32	0.39	0.38	0.37	0.40	0.33	0.32	0.46	0.53	0.48	0.56	0.29	0.52	0.83	1.12	1.02	0.89	0.69	0.71	0.89	0.64	0.67	0.81	0.76	0.64

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	65.65M	82.43M	76.59M	81.73M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	1.12M	4.86M	12.86M	13.31M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	29.69M	40.31M	32.19M	30.65M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	6.79M	9.46M	7.24M	6.74M
Net Income	4.63M	5.86M	5.78M	5.89M	7.12M	4.91M	7.67M	9.09M	11.54M	12.49M	13.69M	-	22.90M	30.85M	24.95M	23.91M
Diluted EPS	0.49	0.61	0.69	0.74	0.89	0.61	0.95	1.13	1.42	1.54	1.68	-	2.79	3.75	3.02	2.88

Compounded Sales Growth

5 Years:	7.58%
1 Year:	6.10%

Compounded Profit Growth

5 Years:	1.45%
1 Year:	0.00%

Stock Price Performance

1 Year:	+32.07%
6 Months:	+17.46%
3 Months:	+2.84%
1 Month:	-0.75%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	552.40M	612.17M	660.58M	671.85M	749.66M	897.04M	1.00B	1.03B	1.09B	1.15B	1.51B	-	1.97B	1.84B	1.90B	2.02B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	21.65M	68.94M	101.08M	141.34M	105.19M	144.29M	190.60M	190.81M	149.17M	126.14M	147.59M	226.66M	-	415.80M	180.07M	138.48M	203.10M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	2.46M	2.87M	3.27M	3.51M
Total Liabilities	-	487.74M	541.77M	590.61M	607.34M	674.62M	818.77M	919.66M	944.09M	995.85M	1.04B	1.38B	-	1.84B	1.68B	1.72B	1.82B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Equity	60.69M	64.66M	70.40M	69.97M	64.52M	75.04M	78.26M	82.45M	90.77M	99.04M	112.57M	129.69M	-	126.63M	166.09M	183.44M	207.97M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	8.26M	8.29M	8.36M	8.39M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-	-	-	-	-	-	9.91M	9.40M	14.44M	17.21M	19.24M	-	22.81M	33.06M	25.64M	28.67M
Investing Cash Flow	-	-	-	-	-	-	-107.16M	-73.89M	-82.97M	-26.86M	-285.65M	-	-376.18M	-79.50M	-114.70M	-57.20M
Financing Cash Flow	-	-	-	-	-	-	97.46M	22.86M	45.50M	31.10M	345.47M	-	4.74M	-166.62M	41.25M	91.97M
Capital Expenditure	-966.07K	-4.32M	-821.35K	-448.00K	-1.56M	-1.42M	-663.00K	-2.19M	-1.65M	-1.38M	-1.74M	-	-1.19M	-1.89M	-1.78M	-4.11M
Free Cash Flow	-	-	-	-	-	-	9.24M	7.21M	12.79M	15.83M	17.50M	-	21.62M	31.16M	23.86M	24.56M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-348.63M	-213.06M	-47.82M	63.43M

Ratios (Annual)

Figures in %.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	34.9%	37.4%	32.6%	29.3%
ROE %	7.2%	8.3%	8.3%	9.1%	9.5%	6.3%	9.3%	10.0%	11.6%	11.1%	10.6%	-	18.1%	18.6%	13.6%	11.5%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

15.14%

Institutions

33.81%

Public Float

39.84%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	5.08%	427.31K	$14.06M
2	Fourthstone LLC	4.89%	411.19K	$13.53M
3	Siena Capital Partners GP, LLC	3.84%	323.19K	$10.64M
4	Vanguard Capital Management LLC	3.79%	318.51K	$10.48M
5	Dimensional Fund Advisors LP	1.88%	158.15K	$5.20M
6	Geode Capital Management, LLC	1.86%	156.34K	$5.15M
7	Cresset Asset Management, LLC	1.67%	140.28K	$4.62M
8	State Street Corporation	1.26%	106.15K	$3.49M
9	Bridgeway Capital Management, LLC	0.67%	56.28K	$1.85M
10	Northern Trust Corporation	0.59%	49.29K	$1.62M

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OVLY · Financial Services