Oak Valley Bancorp OVLY

FinancialsBanking ServicesUnited States of America

Last close 34.85 USD on Nov 2, 2026, +18.6% year to date

Quant rating

Quant rating D Rank 645 of 799 in Financials

Growth D 609 of 799
Valuation D 667 of 799
Quality C 360 of 799
Revisions D 617 of 799
Momentum C 372 of 799

Historical valuation

Multiples use consensus estimates for the next twelve months. The dashed line is the 5-year average.

Key data

Market cap: 293M
Enterprise value: 149M
52-week range: 27.21 – 35.97
3-year range: 23.12 – 35.97
Dividend yield: 2.18%
Beta (5 years): 0.25
Shares outstanding: 8.4M
Next earnings: –

About the company

Oak Valley Bancorp. is a bank holding company of Oak Valley Community Bank (the Bank). The Bank offers a range of commercial banking services designed for both individuals and small to medium-sized businesses in the two areas, such as the Central Valley and the Eastern Sierras. The Bank offers a complement of business checking and savings accounts for its business customers. The Bank also offers commercial and real estate loans, as well as lines of credit. It offers other services for both individuals and businesses, including online banking, remote deposit capture, mobile banking, merchant services, night depository, extended hours, wire transfer of funds, note collection, and automated teller machines in a national network. It offers a variety of accounts for depositors, which are designed to attract both short-term and long-term deposits. These accounts include certificates of deposit, regular savings accounts, money market accounts, checking accounts, and savings accounts.

Growth and profitability fiscal year ends December 31

Growth and profitability by fiscal year
	2025	2024	2023	2022	2021	5Y avg
Revenue (mil)	87.9	82.9	80.7	61.2	49.8	–
Revenue growth	6.1%	2.8%	31.8%	22.9%	8.0%	13.8%
EPS (basic, normalized)	2.90	3.04	3.76	2.80	2.01	–
EPS growth	−4.4%	−19.4%	34.3%	39.8%	6.1%	8.9%
Gross margin	–	–	–	–	–	–
Net margin	27.2%	30.1%	38.2%	37.4%	32.8%	33.2%
ROE	12.7%	12.6%	13.4%	–	–	12.9%

Balance sheet, last quarter
Cash & short-term investments (mil)	–
Tier 1 risk-adjusted capital ratio	15.7%
Long-term debt (mil)	0
Net debt (mil)	–
Total equity (mil)	191
Net debt / equity	–

Estimates and valuation

Consensus estimates and implied multiples
	Sales (mil)			Book value per share			EPS
Fiscal year	Mean est.	Growth	EV/Sales	Mean est.	Growth	P/B	Mean est.	Growth	P/E
2025 actual	87.9	+6.1%	1.7x	4.44	–	7.8x	0.54	−22.9%	64.5x

Estimate revisions

Change in consensus estimates over 1, 3 and 6 months
	Sales				EPS
Fiscal year	Estimate (mil)	1M	3M	6M	Estimate	1M	3M	6M
2026	–	–	–	–	–	–	–	–
2027	–	–	–	–	–	–	–	–
2028	–	–	–	–	–	–	–	–

Earnings surprises

Reported results versus consensus, last 10 fiscal quarters
Quarter ended	FQ-9	Dec 2003	Mar 2004	Jun 2004	FQ-5	Dec 2004	Mar 2005	Jun 2005	Sep 2005	Dec 2005
Sales reported (mil)	–	3.1	3.2	3.6	–	3.8	3.8	3.9	4.3	4.5
Sales mean (mil)	–	–	–	–	–	–	–	–	–	–
Surprise	–	–	–	–	–	–	–	–	–	–
EPS reported	–	0.17	0.15	0.18	–	0.19	0.17	0.18	0.23	0.15
EPS mean	–	–	–	–	–	–	–	–	–	–
Surprise	–	–	–	–	–	–	–	–	–	–

Peer comparison Banking Services

Peers in the same industry group, by market capitalization
Company	Market cap	Tier 1 ratio	Net margin	Deposits/loans	FY1 P/E	FY2 P/E	FY1 P/B	FY2 P/B
OVLY Oak Valley Bancorp	293M	15.7%	27.2%	1.59x	–	–	–	–
JPM JPMorgan Chase & Co.	905.3B	15.2%	28.8%	1.74x	13.7x	13.4x	2.5x	2.3x
BAC Bank of America Corporation	342.0B	14.0%	21.0%	1.72x	11.2x	9.6x	1.2x	1.1x
WFC Wells Fargo & Company	257.8B	11.3%	23.2%	1.47x	11.7x	10.7x	1.6x	1.4x
GCBC Greene County Bancorp Inc	623M	15.9%	31.3%	1.57x	–	–	–	–
BSVN Bank7 Corp	559M	15.2%	33.4%	1.07x	13.0x	10.5x	1.8x	1.6x
Mean		14.5%	27.5%	1.53x	12.4x	11.0x	1.8x	1.6x
Median		15.2%	28.0%	1.58x	12.4x	10.6x	1.7x	1.5x

Technical analysis

1M+2.2%
3M+4.0%
1Y+30.7%
3Y+49.4%

Financial statements in millions of USD

Income statement in millions of USD, fiscal years

Income statement, Oak Valley Bancorp, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Interest income	87.9	82.9	80.7	61.2	49.8	46.1
Total interest expense	13.3	12.9	4.9	1.1	1.0	1.2
Net interest income	74.6	70.0	75.8	60.1	48.8	45.0
Loan loss provision	0.8	−1.6	1.0	−1.4	−0.6	–
Net interest income after loan loss provision	73.8	71.7	74.8	61.4	49.5	45.0
Non-interest income	7.1	6.6	6.6	5.6	5.4	4.8
Non-interest expense	−50.3	−46.0	−41.2	−37.3	−33.2	−32.0
Net income before taxes	30.6	32.2	40.3	29.7	21.7	17.7
Provision for taxes	6.7	7.2	9.5	6.8	5.3	4.1
Minority interest & equity in affiliates	–	–	–	–	–	–
Other	0	0	0	0	0	0
Net income before extraordinary items	23.9	24.9	30.8	22.9	16.3	13.7
Extraordinary items	–	–	–	–	–	–
Net income	23.9	24.9	30.8	22.9	16.3	13.7
Basic weighted average shares (mil)	8.2	8.2	8.2	8.2	8.1	8.1
Diluted weighted average shares (mil)	8.3	8.3	8.2	8.2	8.2	8.1
Basic EPS excluding extraordinary items	2.90	3.04	3.76	2.80	2.01	1.68
Basic EPS, normalized	2.90	3.04	3.76	2.80	2.01	1.89

Balance sheet in millions of USD, fiscal years

Balance sheet, Oak Valley Bancorp, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Assets
Cash & due from banks	203	138	180	416	735	194
Other earning assets	576	560	558	544	309	254
Net loans	1,130	1,094	1,004	905	848	997
Property, plant & equipment	26.3	23.0	22.7	23.1	22.0	20.4
Goodwill	–	–	–	–	–	–
Intangibles	3.3	3.4	3.5	3.6	3.6	3.7
Long-term investments	16.0	12.4	13.7	14.6	4.4	4.7
Other long-term assets	13.6	15.5	13.2	17.1	2.1	1.4
Other assets	55.2	54.4	47.2	44.9	40.0	36.8
Total assets	2,023	1,901	1,842	1,968	1,964	1,511
Liabilities
Accounts payable	14.6	14.5	18.6	19.4	14.9	8.7
Payable/accrued	–	–	–	–	–	–
Accrued expenses	7.6	7.0	7.2	8.0	–	5.2
Total deposits	1,793	1,696	1,651	1,814	1,807	1,368
Other bearing liabilities	–	–	–	–	–	–
Short-term borrowings	–	–	–	–	–	–
Current portion of long-term debt	–	–	–	–	–	–
Long-term debt	0	0	0	0	0	0
Minority interest	–	–	–	–	–	–
Other liabilities	0	0	0	0	0	0
Total liabilities	1,815	1,717	1,676	1,842	1,822	1,382
Shareholders' equity
Preferred stock	–	–	–	–	–	–
Common stock	25.4	25.4	25.4	25.4	25.4	25.4
Additional paid-in capital	6.8	6.2	5.5	5.2	4.7	4.2
Retained earnings (accumulated deficit)	194	176	154	127	106	92.3
Treasury stock	–	–	–	–	–	–
Other equity	−18.7	−23.7	−19.2	−30.7	6.2	7.7
Total equity	208	183	166	127	143	130
Total liabilities & shareholders' equity	2,023	1,901	1,842	1,968	1,964	1,511

Cash flow statement in millions of USD, fiscal years

Cash flow statement, Oak Valley Bancorp, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Operating activities
Net income	23.9	24.9	30.8	22.9	16.3	13.7
Depreciation, depletion & amortization	1.4	1.3	1.3	1.3	1.3	1.2
Deferred taxes	1.9	−2.3	0.7	−0.5	0.1	−0.5
Non-cash items	0.5	0.6	0.8	0.8	−3.0	4.2
Changes in working capital	1.0	1.1	−0.6	−1.8	−3.6	0.7
Cash from operations	28.7	25.6	33.1	22.8	11.2	19.2
Investing activities
Capital expenditures	−4.1	−1.8	−1.9	−1.2	−1.0	−1.7
Other investing cash flows	−53.1	−113	−77.6	−375	105	−284
Cash from investing	−57.2	−115	−79.5	−376	104	−286
Financing activities
Financing cash flow items	97.0	45.0	−164	7.2	439	348
Cash dividends paid	−5.0	−3.7	−2.6	−2.5	−2.4	−2.3
Issuance (retirement) of debt, net	–	–	–	–	–	–
Other financing cash flows	0	0	0	0	0	0
Cash from financing	92.0	41.3	−167	4.7	437	345
Foreign exchange effects	–	–	–	–	–	–
Net change in cash	63.4	−47.8	−213	−349	552	79.1
Free cash flow	24.6	23.9	31.2	21.6	10.2	17.5

Disclaimer

The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.

This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.

QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.

Live quote provided by TradingView. Report data updated Nov 2, 2026 after market close.