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Oak Valley Bancorp(OVLY)Earnings, Financials & Key Ratios
OVLY•NASDAQ•Banking & Credit
12.1× P/E·Price updated Jun 13, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutOak 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's deposits products include checking and savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. It also offers commercial real estate loans, commercial business lending and trade finance, and small business administration lending, as well as consumer loans consisting of automobile loans, home mortgage loans, revolving lines of credit, and other personal loans. In addition, the company provides online banking, remote deposit capture, mobile banking, merchant, night depository, extended hours, wire transfer of funds, and note collection services, as well as automated teller machines. As of December 31, 2021, it operated through seventeen full-service branch offices in Oakdale, Sonora, Bridgeport, Bishop, Mammoth Lakes, Modesto, Manteca, Patterson, Turlock, Tracy, Ripon, Stockton, Escalon, California, and Sacramento. The company was incorporated in 1990 and is headquartered in Oakdale, California.Show more
- Net Interest Income$75M+6.5%
- Total Revenue$82M-8.6%
- Net Income$24M-4.1%
- Return on Equity12.22%-14.4%
- Net Interest Margin3.68%
- Efficiency Ratio61.51%+19.6%
- ROA1.22%-8.6%
- Equity / Assets10.26%+6.3%
- Book Value per Share25.08+12.9%
- Tangible BV/Share24.68+13.2%
- Debt/Equity0.04
OVLY Key Insights
Oak Valley Bancorp (OVLY) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Strong NIM of 3.7%
- ✓11 consecutive years of dividend growth
- ✓Well capitalized: 10.3% equity/assets
- ✓Good 3Y average ROE of 15.9%
- ✓Trading near 52-week high
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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OVLY Price & Volume
Oak Valley Bancorp (OVLY) stock price & volume — 10-year historical chart
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OVLY Growth Metrics
Oak Valley Bancorp (OVLY) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years10.49%
5 Years9.92%
3 Years6.97%
TTM-
Profit CAGR
10 Years17.16%
5 Years11.81%
3 Years1.45%
TTM-4.15%
EPS CAGR
10 Years16.79%
5 Years11.38%
3 Years1.06%
TTM-4.64%
Return on Capital
10 Years16.03%
5 Years16.45%
3 Years14.76%
Last Year2.75%
OVLY Recent Earnings
Oak Valley Bancorp (OVLY) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 22, 2026EPS
$0.64
Revenue
$21M
Q1 2026
Jan 23, 2026EPS
$0.76
Revenue
$21M
Q4 2025
Oct 22, 2025EPS
$0.81
Revenue
—
Q3 2025
Jul 18, 2025EPS
$0.67
Revenue
$23M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.64 | $21M |
| Q1 2026 | Jan 23, 2026 | $0.76 | $21M |
| Q4 2025 | Oct 22, 2025 | $0.81 | — |
| Q3 2025 | Jul 18, 2025 | $0.67 | $23M |
Based on last 12 quarters of dataView full earnings history →
OVLY Peer Comparison
Oak Valley Bancorp (OVLY) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CVBF | 2.88B | 21.23 | 13.97 | -2.33% | 32.48% | 9.25% | 0.43 | |
 WAFD | 2.85B | 37.07 | 14.10 | -1.58% | 17.46% | 8.02% | 0.60 | |
 BANR | 2.28B | 67.24 | 11.92 | -0.95% | 23.84% | 10.34% | 0.19 | |
 SRCE | 1.91B | 78.52 | 12.15 | 5.2% | 27.72% | 12.39% | 0.26 | |
 HAFC | 949.09M | 31.75 | 12.65 | 3.55% | 17.12% | 9.85% | 0.35 | |
 FFIN | 4.83B | 33.65 | 19.01 | 11.71% | 30.71% | 14.16% | 0.01 | |
 BOKF | 8.18B | 134.61 | 14.66 | -1.07% | 17.38% | 9.79% | 0.78 | |
 UMBF | 10.31B | 135.37 | 14.83 | 68.52% | 19.79% | 11.67% | 0.49 |
Compare OVLY vs Peers
Oak Valley Bancorp (OVLY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
OVLY Income Statement
Oak Valley Bancorp (OVLY) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 34.18M | 38.57M | 41.03M | 44.96M | 48.84M | 60.08M | 75.8M | 70.03M | 74.61M |
NII Growth % | 8.42% | 12.84% | 6.39% | 9.56% | 8.63% | 23.02% | 26.18% | -7.61% | 6.54% |
Net Interest Margin % | 3.3% | 3.52% | 3.58% | 2.97% | 2.49% | 3.05% | 4.11% | 3.68% | 3.68% |
Interest Income | 35.24M | 40.17M | 42.6M | 46.11M | 49.81M | 61.2M | 80.67M | 82.89M | 87.92M |
Interest Expense | 1.06M | 1.61M | 1.57M | 1.15M | 971K | 1.12M | 4.86M | 12.86M | 13.31M |
Loan Loss Provision | 350K | 555K | 545K | 2.17M | -635K | -1.35M | 970K | -1.62M | -12.5M |
Non-Interest Income | 5.98M | 4.71M | 5.05M | 4.82M | 5.43M | 5.57M | 6.63M | 6.55M | -6.19M |
Non-Interest Income % | 14.5% | 10.5% | 10.59% | 9.46% | 9.82% | 8.34% | 7.6% | 7.33% | -7.58% |
Total Revenue | 41.22M▲ 0% | 44.89M▲ 8.9% | 47.65M▲ 6.2% | 50.92M▲ 6.9% | 55.23M▲ 8.5% | 66.77M▲ 20.9% | 87.3M▲ 30.8% | 89.45M▲ 2.5% | 81.73M▼ 8.6% |
Revenue Growth % | 12.31% | 8.89% | 6.16% | 6.88% | 8.46% | 20.88% | 30.75% | 2.47% | -8.63% |
Non-Interest Expense | 24.57M | 27.38M | 28.85M | 29.86M | 33.22M | 37.31M | 41.16M | 46.02M | 50.27M |
Efficiency Ratio | 59.59% | 60.99% | 60.54% | 58.64% | 60.14% | 55.88% | 47.15% | 51.44% | 61.51% |
Operating Income | 15.24M▲ 0% | 15.35M▲ 0.7% | 16.69M▲ 8.7% | 17.74M▲ 6.3% | 21.68M▲ 22.2% | 29.69M▲ 37.0% | 40.31M▲ 35.8% | 32.19M▼ 20.1% | 30.65M▼ 4.8% |
Operating Margin % | 36.97% | 34.19% | 35.02% | 34.84% | 39.25% | 44.47% | 46.17% | 35.99% | 37.5% |
Operating Income Growth % | 36.83% | 0.7% | 8.74% | 6.32% | 22.17% | 36.96% | 35.76% | -20.13% | -4.79% |
Pretax Income | 15.24M▲ 0% | 15.35M▲ 0.7% | 16.69M▲ 8.7% | 17.74M▲ 6.3% | 21.68M▲ 22.2% | 29.69M▲ 37.0% | 40.31M▲ 35.8% | 32.19M▼ 20.1% | 30.65M▼ 4.8% |
Pretax Margin % | 36.97% | 34.19% | 35.02% | 34.84% | 39.25% | 44.47% | 46.17% | 35.99% | 37.5% |
Income Tax | 6.15M | 3.81M | 4.2M | 4.06M | 5.34M | 6.79M | 9.46M | 7.24M | 6.74M |
Effective Tax Rate % | 40.33% | 24.83% | 25.17% | 22.86% | 24.63% | 22.86% | 23.47% | 22.5% | 21.98% |
Net Income | 9.09M▲ 0% | 11.54M▲ 26.9% | 12.49M▲ 8.3% | 13.69M▲ 9.6% | 16.34M▲ 19.4% | 22.9M▲ 40.2% | 30.85M▲ 34.7% | 24.95M▼ 19.1% | 23.91M▼ 4.1% |
Net Margin % | 22.06% | 25.7% | 26.21% | 26.88% | 29.58% | 34.3% | 35.34% | 27.89% | 29.26% |
Net Income Growth % | 18.64% | 26.86% | 8.25% | 9.59% | 19.36% | 40.18% | 34.7% | -19.13% | -4.15% |
Net Income (Continuing) | 9.09M | 11.54M | 12.49M | 13.69M | 16.34M | 22.9M | 30.85M | 24.95M | 23.91M |
EPS (Diluted) | 1.13▲ 0% | 1.42▲ 25.7% | 1.54▲ 8.5% | 1.68▲ 9.1% | 2.00▲ 19.0% | 2.79▲ 39.5% | 3.75▲ 34.4% | 3.02▼ 19.5% | 2.88▼ 4.6% |
EPS Growth % | 18.95% | 25.66% | 8.45% | 9.09% | 19.05% | 39.5% | 34.41% | -19.47% | -4.64% |
EPS (Basic) | 1.13 | 1.43 | 1.54 | 1.68 | 2.01 | 2.80 | 3.76 | 3.04 | 2.90 |
Diluted Shares Outstanding | 8.05M | 8.1M | 8.12M | 8.14M | 8.18M | 8.21M | 8.23M | 8.26M | 8.29M |
OVLY Balance Sheet
Oak Valley Bancorp (OVLY) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 322.22M | 323.14M | 323.9M | 410.74M | 998.22M | 943.24M | 698.15M | 213.55M | 746.63M |
Cash & Due from Banks | 142.97M | 116.42M | 133.81M | 193.57M | 735.33M | 415.8M | 180.07M | 138.48M | 203.1M |
Short Term Investments | 179.25M | 206.71M | 190.09M | 217.16M | 262.89M | 527.44M | 518.08M | 75.07M | 543.53M |
Total Investments | 835.62M | 917.51M | 939.55M | 1.22B | 1.12B | 1.45B | 1.54B | 1.64B | 1.73B |
Investments Growth % | 9.69% | 9.8% | 2.4% | 30.12% | -8.51% | 29.64% | 6.15% | 6.26% | 5.69% |
Long-Term Investments | 656.37M | 710.8M | 749.46M | 1.01B | 855.6M | 922.61M | 1.02B | 1.56B | 1.7B |
Accounts Receivables | 1.86M | 2.05M | 2.09M | 4.31M | 2.33M | 2.46M | 2.87M | 3.27M | 3.51M |
Goodwill & Intangibles | 4.06M | 3.94M | 3.84M | 3.74M | 3.65M | 3.56M | 3.47M | 3.39M | 3.31M |
Goodwill | 3.31M | 0 | 0 | 3.31M | 3.31M | 3.31M | 3.31M | 3.31M | 3.31M |
Intangible Assets | 743K | 3.94M | 3.84M | 427K | 334K | 245K | 160K | 77K | 0 |
PP&E (Net) | 14.48M | 14.94M | 19.54M | 20.36M | 21.96M | 23.05M | 22.72M | 22.98M | 19.05M |
Other Assets | 29.11M | 33.1M | 43.18M | 63.17M | 77.9M | 49.28M | 75.36M | 76.09M | 50.05M |
Total Current Assets | 328.2M | 326.89M | 328.66M | 417.49M | 1B | 952.71M | 706.53M | 222.11M | 241.06M |
Total Non-Current Assets | 706.65M | 766.85M | 819.13M | 1.09B | 961.23M | 1.02B | 1.14B | 1.68B | 1.79B |
Total Assets | 1.03B▲ 0% | 1.09B▲ 5.8% | 1.15B▲ 4.8% | 1.51B▲ 31.7% | 1.96B▲ 30.0% | 1.97B▲ 0.2% | 1.84B▼ 6.4% | 1.9B▲ 3.2% | 2.03B▲ 6.6% |
Asset Growth % | 3.27% | 5.81% | 4.83% | 31.69% | 29.97% | 0.2% | -6.4% | 3.16% | 6.63% |
Return on Assets (ROA) | 0.89% | 1.08% | 1.11% | 1.03% | 0.94% | 1.16% | 1.62% | 1.33% | 1.22% |
Accounts Payable | 5.2M | 9.35M | 15.29M | 13.97M | 14.9M | 27.42M | 0 | 0 | 0 |
Total Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7.62M |
Net Debt | -142.97M | -116.42M | -133.81M | -193.57M | -735.33M | -415.8M | -180.07M | -138.48M | -195.48M |
Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.63M |
Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 25.8M | 21.48M | 1.81B |
Total Current Liabilities | 944.09M | 995.85M | 1.04B | 1.38B | 1.82B | 1.84B | 1.65B | 1.7B | 1.63M |
Total Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 25.8M | 21.48M | 1.82B |
Total Liabilities | 944.09M | 995.85M | 1.04B | 1.38B | 1.82B | 1.84B | 1.68B | 1.72B | 1.82B |
Total Equity | 90.77M▲ 0% | 99.04M▲ 9.1% | 112.57M▲ 13.7% | 129.69M▲ 15.2% | 142.61M▲ 10.0% | 126.63M▼ 11.2% | 166.09M▲ 31.2% | 183.44M▲ 10.4% | 207.97M▲ 13.4% |
Equity Growth % | 10.09% | 9.11% | 13.66% | 15.21% | 9.96% | -11.21% | 31.17% | 10.44% | 13.38% |
Equity / Assets (Capital Ratio) | 8.77% | 9.05% | 9.81% | 8.58% | 7.26% | 6.43% | 9.01% | 9.65% | 10.26% |
Return on Equity (ROE) | 10.5% | 12.16% | 11.8% | 11.3% | 12% | 17.01% | 21.08% | 14.28% | 12.22% |
Book Value per Share | 11.28 | 12.23 | 13.87 | 15.93 | 17.44 | 15.43 | 20.18 | 22.21 | 25.08 |
Tangible BV per Share | 10.77 | 11.74 | 13.40 | 15.48 | 16.99 | 15.00 | 19.76 | 21.80 | 24.68 |
Common Stock | 24.77M | 25.43M | 25.43M | 25.43M | 25.43M | 25.43M | 25.43M | 25.43M | 25.43M |
Additional Paid-in Capital | 3.58M | 3.36M | 3.78M | 4.22M | 4.69M | 5.19M | 5.51M | 6.2M | 6.82M |
Retained Earnings | 61.43M | 70.69M | 80.96M | 92.35M | 106.3M | 126.73M | 154.3M | 175.5M | 194.39M |
Accumulated OCI | 989K | -435K | 2.4M | 7.69M | 6.19M | -30.73M | -19.16M | -23.7M | -18.67M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
OVLY Cash Flow Statement
Oak Valley Bancorp (OVLY) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 9.4M | 14.44M | 17.21M | 19.24M | 11.19M | 22.81M | 33.06M | 25.64M | 28.67M |
Operating CF Growth % | -5.12% | 53.63% | 19.18% | 11.8% | -41.86% | 103.88% | 44.96% | -22.45% | 11.82% |
Net Income | 9.09M | 11.54M | 12.49M | 13.69M | 16.34M | 22.9M | 30.85M | 24.95M | 23.91M |
Depreciation & Amortization | 1.12M | 1.19M | 1.09M | 1.2M | 1.14M | 1.15M | 1.1M | 1.09M | 1.14M |
Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.92M |
Other Non-Cash Items | -38K | 889K | 704K | 1.98M | -999K | -296K | 1.14M | -1.87M | -1.83M |
Working Capital Changes | -884K | 396K | 2.38M | 1.82M | -5.88M | -1.57M | -556K | 623K | 2.61M |
Cash from Investing | -73.89M | -82.97M | -26.86M | -285.65M | 103.76M | -376.18M | -79.5M | -114.7M | -57.2M |
Purchase of Investments | -50.88M | -53.19M | -26.87M | -70.33M | -80.46M | -360.16M | -41.13M | -108.36M | -54.39M |
Sale/Maturity of Investments | 30.2M | 21.03M | 45.97M | 48.53M | 36.2M | 40.56M | 65.45M | 88.53M | 48.68M |
Net Investment Activity | -20.69M | -32.16M | 19.1M | -21.8M | -44.25M | -319.6M | 24.32M | -19.82M | -5.71M |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | -51.02M | -49.17M | -44.57M | -262.11M | 148.99M | -55.38M | -101.93M | -93.1M | -51.5M |
Cash from Financing | 22.86M | 45.5M | 31.1M | 345.47M | 436.66M | 4.74M | -166.62M | 41.25M | 91.97M |
Dividends Paid | -2.02M | -2.12M | -2.21M | -2.3M | -2.39M | -2.47M | -2.65M | -3.75M | -5.02M |
Share Repurchases | 0 | 0 | 0 | -110K | 0 | -121K | -211K | -158K | 0 |
Stock Issued | 91K | 7K | 0 | 110K | 0 | 0 | 0 | 0 | 0 |
Net Stock Activity | 91K | 7K | 0 | 0 | 0 | -121K | -211K | -158K | 0 |
Debt Issuance (Net) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Financing | 24.79M | 47.61M | 33.31M | 347.88M | 439.05M | 7.33M | -163.76M | 45.16M | 96.99M |
Net Change in Cash | -41.64M▲ 0% | -23.03M▲ 44.7% | 21.45M▲ 193.1% | 79.06M▲ 268.6% | 551.61M▲ 597.7% | -348.63M▼ 163.2% | -213.06M▲ 38.9% | -47.82M▲ 77.6% | 63.43M▲ 232.6% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 190.81M | 149.17M | 126.14M | 147.59M | 226.66M | 778.27M | 429.63M | 216.57M | 168.75M |
Cash at End | 149.17M | 126.14M | 147.59M | 226.66M | 778.27M | 429.63M | 216.57M | 168.75M | 232.18M |
Interest Paid | 1.06M | 1.61M | 1.56M | 1.15M | 971K | 1.12M | 4.71M | 12.75M | 13.28M |
Income Taxes Paid | 5.92M | 4.14M | 3.87M | 4.34M | 5.72M | 3.91M | 10.45M | 6.38M | 5.08M |
Free Cash Flow | 7.21M▲ 0% | 12.79M▲ 77.5% | 15.83M▲ 23.7% | 17.5M▲ 10.6% | 10.21M▼ 41.7% | 21.62M▲ 111.8% | 31.16M▲ 44.2% | 23.86M▼ 23.4% | 24.56M▲ 2.9% |
FCF Growth % | -22.04% | 77.55% | 23.7% | 10.58% | -41.67% | 111.76% | 44.18% | -23.45% | 2.94% |
OVLY Banking Ratios
Oak Valley Bancorp (OVLY) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 9.54% | 10.5% | 12.16% | 11.8% | 11.3% | 12% | 17.01% | 21.08% | 14.28% | 12.22% |
| Return on Assets (ROA) | 0.81% | 0.89% | 1.08% | 1.11% | 1.03% | 0.94% | 1.16% | 1.62% | 1.33% | 1.22% |
| Net Interest Margin | 3.15% | 3.3% | 3.52% | 3.58% | 2.97% | 2.49% | 3.05% | 4.11% | 3.68% | 3.68% |
| Efficiency Ratio | 66.25% | 59.59% | 60.99% | 60.54% | 58.64% | 60.14% | 55.88% | 47.15% | 51.44% | 61.51% |
| Equity / Assets | 8.23% | 8.77% | 9.05% | 9.81% | 8.58% | 7.26% | 6.43% | 9.01% | 9.65% | 10.26% |
| Book Value / Share | 10.2 | 11.28 | 12.23 | 13.87 | 15.93 | 17.44 | 15.43 | 20.18 | 22.21 | 25.08 |
| NII Growth | 24.09% | 8.42% | 12.84% | 6.39% | 9.56% | 8.63% | 23.02% | 26.18% | -7.61% | 6.54% |
| Dividend Payout | 25.31% | 22.23% | 18.35% | 17.73% | 16.8% | 14.6% | 10.8% | 8.58% | 15.02% | 21% |
Related:OVLY Dividend History·OVLY Revenue History·OVLY Price History·OVLY P/E History·OVLY Financial Ratios·OVLY Institutional Holders
OVLY SEC Filings & Documents
Oak Valley Bancorp (OVLY) SEC filings — annual & quarterly reports (10-K, 10-Q)
OVLY Frequently Asked Questions
Oak Valley Bancorp (OVLY) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Oak Valley Bancorp (OVLY) saw revenue decline by 8.6% over the past year.
Yes, Oak Valley Bancorp (OVLY) is profitable, generating $23.9M in net income for fiscal year 2025 (29.3% net margin).
Dividend & Returns
Yes, Oak Valley Bancorp (OVLY) pays a dividend with a yield of 1.73%. This makes it attractive for income-focused investors.
Oak Valley Bancorp (OVLY) has a return on equity (ROE) of 12.2%. This is reasonable for most industries.
Industry Metrics
Oak Valley Bancorp (OVLY) has a net interest margin (NIM) of 3.7%. This indicates healthy earnings from lending activities.
Oak Valley Bancorp (OVLY) has an efficiency ratio of 61.5%. This is reasonable for a bank.