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Oak Valley Bancorp OVLY R2K

Financial Services · Banks - Regional · United States
https://www.ovcb.com
Company Profile ↓
$33.51
+19.73% 1Y
Mkt Cap$281.93M
P/E11.64
P/B1.34
Div. Yield2.26%
52W High$35.07
52W Low$25.11
Book Value$24.91
EPS (TTM)$2.88

Company Overview

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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 11.6% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 11.6, below the sector median of 13.5.

Healthy Margins

Maintains a net profit margin of 29.1%.

Dividend Income

Offers a dividend yield of 2.26%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +6.1%, earnings +0.0%.
  • 5-Year Trend Long-term compounding — profit CAGR 11.6%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:6.10%

Compounded Profit Growth

5 Years:11.57%
1 Year:0.00%

Stock Price Performance

1 Year:+19.73%
6 Months:+12.24%
3 Months:-3.46%
1 Month:-4.23%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 84% of range
$25.11 $35.07
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)48.46 · Neutral
Price Performance
1M-4.23%
3M-3.46%
6M+12.24%
1Y+19.73%
Valuation vs Sector

P/E of 11.64 is below the sector median of 13.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 29.1%.
  • Profit CAGR of 11.6% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
11.64
Industry PE
13.52
Forward P/E est.
11.64
PEG Ratio
-
Book Value
$24.91
Price to Book
1.34
P/S
3.41
EV/EBITDA
-
Dividend Yield
2.26%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
11.57%
Revenue (YoY)
6.10%
Earnings (YoY)
0.00%

Profitability & Returns

ROCE
-
ROE
12.28%
ROA
1.22%
Profit Margin
29.14%
Op Margin
34.96%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.64
EPS (TTM)
$2.88

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$8.25M
Total Assets
$2.01B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
15.14%
Chg in Prom Hold
0.00%
FII / Inst Holding
33.86%
Chg in FII Hold
0.04%

Financial Snapshot

Enterprise Value
$281.93M
Total Revenue (TTM)
$82.09M
EBITDA
-
Free Cash Flow
$24.56M
Operating Cash Flow
$28.48M
Shares Outstanding
8.41M
Gross Margin
0.00%
Payout Ratio
23.44%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 OVLY Oak Valley Bancorp R2K 33.51 11.64 $281.93M 2.26% - 12.28% - 11.57%
2 JPM JPMorgan Chase & Co. SPX 346.91 16.61 $929.55B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 488.35 14.54 $682.86B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 355.14 30.99 $589.43B 0.75% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 535.21 30.99 $469.40B 0.65% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 61.59 15.28 $432.24B 1.88% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 228.55 20.70 $360.49B 1.76% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,152.07 17.79 $339.87B 1.58% - 16.95% - 2.21%
9 WFC Wells Fargo & Company SPX 87.51 13.53 $267.80B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2013Jun 2013Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Net Income 1.30M1.37M1.50M1.41M2.54M1.53M1.53M1.51M1.38M1.51M1.90M1.93M2.21M2.83M2.47M2.80M2.59M3.17M3.10M2.96M3.23M2.71M2.58M3.75M4.36M3.96M4.55M2.37M4.26M6.80M9.22M8.40M7.35M5.73M5.89M7.32M5.30M5.59M6.69M5.31M
Diluted EPS 0.160.180.190.180.320.190.190.190.170.190.240.240.270.350.310.350.320.390.380.370.400.330.320.460.530.480.560.290.520.831.121.020.890.690.710.890.640.670.810.64

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income 4.63M5.86M5.78M5.89M7.12M4.91M7.67M9.09M11.54M12.49M13.69M16.34M22.90M30.85M24.95M23.91M
Diluted EPS 0.490.610.690.740.890.610.951.131.421.541.682.002.793.753.022.88

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -552.40M612.17M660.58M671.85M749.66M897.04M1.00B1.03B1.09B1.15B1.51B1.96B1.97B1.84B1.90B2.02B
Total Equity 60.69M64.66M70.40M69.97M64.52M75.04M78.26M82.45M90.77M99.04M112.57M129.69M142.61M126.63M166.09M183.44M207.97M
Cash & Equivalents 21.65M68.94M101.08M141.34M105.19M144.29M190.60M190.81M149.17M126.14M147.59M226.66M778.27M429.63M216.57M168.75M232.18M
Total Liabilities -487.74M541.77M590.61M607.34M674.62M818.77M919.66M944.09M995.85M1.04B1.38B1.82B1.84B1.68B1.72B1.82B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow ------9.91M9.40M14.44M17.21M19.24M11.19M22.81M33.06M25.64M28.67M
Investing Cash Flow -------107.16M-73.89M-82.97M-26.86M-285.65M103.76M-376.18M-79.50M-114.70M-57.20M
Financing Cash Flow ------97.46M22.86M45.50M31.10M345.47M436.66M4.74M-166.62M41.25M91.97M
Capital Expenditure -966.07K-4.32M-821.35K-448.00K-1.56M-1.42M-663.00K-2.19M-1.65M-1.38M-1.74M-978.00K-1.19M-1.89M-1.78M-4.11M
Free Cash Flow ------9.24M7.21M12.79M15.83M17.50M10.21M21.62M31.16M23.86M24.56M

Ratios (Annual)

Figures in %.

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

Shareholding Pattern

Insiders
15.14%
Institutions
33.86%
Public Float
39.90%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 5.08% 427.31K $14.23M
2 Fourthstone LLC 4.89% 411.19K $13.69M
3 Siena Capital Partners GP, LLC 3.84% 323.19K $10.76M
4 Vanguard Capital Management LLC 3.79% 318.51K $10.60M
5 Dimensional Fund Advisors LP 1.88% 158.15K $5.26M
6 Geode Capital Management, LLC 1.86% 156.34K $5.20M
7 Cresset Asset Management, LLC 1.67% 140.28K $4.67M
8 State Street Corporation 1.26% 106.15K $3.53M
9 Bridgeway Capital Management, LLC 0.67% 56.28K $1.87M
10 Northern Trust Corporation 0.59% 49.29K $1.64M

Analyst View

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Latest News

Recent headlines for OVLY

Google News Mon, 13 Jul 2026

Oak Valley’s New Lodi Officer to Serve Commercial, Agricultural Clients - Stock Titan

<a href="https://news.google.com/rss/articles/CBMiuAFBVV95cUxPQUh5M2ZEZHZyZG80U3Vhb1dZN0YyaG90R3pkTnFoTVJFWS1NbVNSZEtabmZFNmlYd2IwMUl5Z1VEYjBJckxScU9VdUhDWlVyY3JGM1pxTThjTHBEMlVOMzMwMk4zbFNybm8xMWVyMDNoZFJUVHZqeVlEblRsQmlBaVBCZDc2OTVhNkNhN2…

Google News Mon, 13 Jul 2026

OVLY: Oak Valley Community Bank Welcomes New VP for Commercial B - GuruFocus

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Google News ue, 14 Jul 2026

Oak Valley Bancorp (OVLY) Valuation: PE, PB & Fair Value Analysis - TradingKey

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Google News hu, 09 Jul 2026

Loan loss coverage ratio of Oak Valley Bancorp (CA) – NASDAQ:OVLY - TradingView

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Google News hu, 09 Jul 2026

The Technical Signals Behind (OVLY) That Institutions Follow - Stock Traders Daily

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Google News Fri, 29 May 2026

Oak Valley Bancorp: Higher Provisions Are No Reason For Concern (NASDAQ:OVLY) - Seeking Alpha

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OVLY — Frequently Asked Questions

What is the current share price of Oak Valley Bancorp (OVLY)?

As of 2026-07-15 16:51 PDT, Oak Valley Bancorp (OVLY) trades at $33.51 on NasdaqCM. Its 52-week range is $25.11 to $35.07.

What is the market capitalisation of OVLY?

Oak Valley Bancorp (OVLY) has a market capitalisation of $281.93M on NasdaqCM.

What is the P/E ratio of OVLY?

OVLY trades at a trailing price-to-earnings (P/E) ratio of 11.64. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.34.

Does OVLY pay a dividend?

Oak Valley Bancorp (OVLY) currently offers a dividend yield of 2.26%.

What is the return on equity (ROE) of OVLY?

OVLY has a return on equity (ROE) of 12.28%.

Is OVLY a good stock to buy?

This page provides a data-driven analysis of Oak Valley Bancorp (OVLY), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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