Oak Valley Bancorp (OVLY) Financial Ratios
25 years of historical data (2001–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
3.23
↑+50% vs avg
5yr avg: 2.15
30Y Low0.9·High25.9
P/FCF
↓
11.99
+18% vs avg
5yr avg: 10.14
30Y Low3.4·High42.7
P/B Ratio
↑
1.40
+8% vs avg
5yr avg: 1.29
30Y Low0.6·High3.7
ROE
↑
12.2%
↑-20% vs avg
5yr avg: 15.3%
30Y Low3%·High21%
Debt/EBITDA
0.25
+0% vs avg
5yr avg: 0.25
30Y Low0.2·High16.8
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
OVLY Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Oak Valley Bancorp trades at 12.1x earnings, 35% above its 5-year average of 9.0x, sitting at the 48th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.9x, the stock trades at a discount of 12%. On a free-cash-flow basis, the stock trades at 12.0x P/FCF, 18% above the 5-year average of 10.1x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $294M | $249M | $242M | $247M | $186M | $142M | $135M | $158M | $148M | $157M | $101M |
| Enterprise Value | $99M | $54M | $103M | $66M | $-229959750 | $-593017400 | $-58300820 | $24M | $32M | $14M | $-77583350 |
| P/E Ratio → | 12.15 | 10.44 | 9.69 | 7.99 | 8.12 | 8.70 | 9.89 | 12.64 | 12.89 | 17.29 | 13.21 |
| P/S Ratio | 3.60 | 3.05 | 2.70 | 2.82 | 2.78 | 2.58 | 2.66 | 3.32 | 3.30 | 3.81 | 2.76 |
| P/B Ratio | 1.40 | 1.20 | 1.32 | 1.48 | 1.47 | 1.00 | 1.04 | 1.40 | 1.50 | 1.73 | 1.23 |
| P/FCF | 11.99 | 10.15 | 10.13 | 7.91 | 8.60 | 13.94 | 7.73 | 9.98 | 11.59 | 21.82 | 10.97 |
| P/OCF | 10.27 | 8.69 | 9.42 | 7.46 | 8.15 | 12.72 | 7.03 | 9.18 | 10.27 | 16.73 | 10.24 |
P/E links to full P/E history page with 30-year chart
OVLY EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Oak Valley Bancorp's enterprise value stands at 3.2x EBITDA, 50% above its 5-year average of 2.2x. The Financial Services sector median is 11.5x, placing the stock at a 72% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.66 | 1.15 | 0.76 | -3.44 | -10.74 | -1.14 | 0.51 | 0.71 | 0.35 | -2.11 |
| EV / EBITDA | 3.23 | 1.75 | 3.10 | 1.60 | -7.46 | -25.99 | -3.08 | 1.36 | 1.92 | 0.87 | -6.26 |
| EV / EBIT | 3.23 | 1.75 | 3.20 | 1.65 | -7.75 | -27.36 | -3.29 | 1.45 | 2.07 | 0.94 | -6.97 |
| EV / FCF | — | 2.19 | 4.32 | 2.13 | -10.64 | -58.09 | -3.33 | 1.53 | 2.49 | 1.98 | -8.39 |
OVLY Profitability
Margins and return-on-capital ratios measuring operating efficiency
Oak Valley Bancorp earns an operating margin of 37.5%, significantly above the Financial Services sector average of 20.2%. Operating margins have compressed from 46.2% to 37.5% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 12.2% is modest. ROIC of 11.5% represents solid returns on invested capital versus a sector median of 5.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 99.0% | 99.0% | 87.4% | 93.3% | 100.3% | 99.4% | 93.5% | 95.6% | 95.2% | 96.6% | 96.6% |
| Operating Margin | 37.5% | 37.5% | 36.0% | 46.2% | 44.5% | 39.2% | 34.8% | 35.0% | 34.2% | 37.0% | 30.3% |
| Net Profit Margin | 29.3% | 29.3% | 27.9% | 35.3% | 34.3% | 29.6% | 26.9% | 26.2% | 25.7% | 22.1% | 20.9% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.2% | 12.2% | 14.3% | 21.1% | 17.0% | 12.0% | 11.3% | 11.8% | 12.2% | 10.5% | 9.5% |
| ROA | 1.2% | 1.2% | 1.3% | 1.6% | 1.2% | 0.9% | 1.0% | 1.1% | 1.1% | 0.9% | 0.8% |
| ROIC | 11.5% | 11.5% | 13.8% | 20.7% | 16.5% | 11.9% | 11.0% | 11.8% | 12.1% | 13.2% | 10.4% |
| ROCE | 2.7% | 2.7% | 16.2% | 25.3% | 22.1% | 15.9% | 14.6% | 15.8% | 16.2% | 17.6% | 13.9% |
OVLY Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Oak Valley Bancorp carries a Debt/EBITDA ratio of 0.2x, which is very conservative (94% below the sector average of 4.3x). The company holds a net cash position — cash of $203M exceeds total debt of $8M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 2.3x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.04 | 0.04 | — | — | — | — | — | — | — | — | — |
| Debt / EBITDA | 0.25 | 0.25 | — | — | — | — | — | — | — | — | — |
| Net Debt / Equity | — | -0.94 | -0.75 | -1.08 | -3.28 | -5.16 | -1.49 | -1.19 | -1.18 | -1.58 | -2.17 |
| Net Debt / EBITDA | -6.38 | -6.38 | -4.16 | -4.35 | -13.48 | -32.22 | -10.22 | -7.53 | -7.04 | -8.74 | -14.45 |
| Debt / FCF | — | -7.96 | -5.80 | -5.78 | -19.24 | -72.03 | -11.06 | -8.46 | -9.10 | -19.84 | -19.37 |
| Interest Coverage | 2.30 | 2.30 | 2.50 | 8.29 | 26.53 | 22.32 | 15.39 | 10.64 | 9.56 | 14.31 | 14.58 |
Net cash position: cash ($203M) exceeds total debt ($8M)
OVLY Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Oak Valley Bancorp's current ratio of 148.25x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.43x to 148.25x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 148.25 | 148.25 | 0.13 | 0.43 | 0.52 | 0.55 | 0.30 | 0.32 | 0.33 | 0.35 | 0.37 |
| Quick Ratio | 148.25 | 148.25 | 0.13 | 0.43 | 0.52 | 0.55 | 0.30 | 0.32 | 0.33 | 0.35 | 0.37 |
| Cash Ratio | 124.91 | 124.91 | 0.08 | 0.11 | 0.23 | 0.40 | 0.14 | 0.13 | 0.12 | 0.15 | 0.19 |
| Asset Turnover | — | 0.04 | 0.05 | 0.05 | 0.03 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
OVLY Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Oak Valley Bancorp returns 1.7% to shareholders annually primarily through dividends. The payout ratio of 21.0% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 8.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.7% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 21.0% | 21.0% | 15.0% | 8.6% | 10.8% | 14.6% | 16.8% | 17.7% | 18.3% | 22.2% | 25.3% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.2% | 9.6% | 10.3% | 12.5% | 12.3% | 11.5% | 10.1% | 7.9% | 7.8% | 5.8% | 7.6% |
| FCF Yield | 8.3% | 9.9% | 9.9% | 12.6% | 11.6% | 7.2% | 12.9% | 10.0% | 8.6% | 4.6% | 9.1% |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 1.7% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $8M | $8M | $8M | $8M | $8M | $8M | $8M | $8M | $8M | $8M |
Peer Comparison
Compare OVLY with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 OVLYYou | $294M | 12.1 | 3.2 | 12.0 | 99.0% | 37.5% | 12.2% | 11.5% | 0.2 |
 CVBF | $3B | 14.0 | 13.4 | 13.3 | 79.9% | 43.8% | 9.3% | 6.8% | 3.5 |
 WAFD | $3B | 14.1 | 13.4 | 13.7 | 50.9% | 20.5% | 7.5% | 3.9% | 6.1 |
 BANR | $2B | 11.9 | 9.8 | 9.2 | 79.0% | 29.5% | 10.5% | 7.7% | 1.5 |
 SRCE | $2B | 12.2 | 10.2 | 9.0 | 70.3% | 34.2% | 12.7% | 9.7% | 1.6 |
 HAFC | $949M | 12.6 | 9.0 | 4.7 | 57.5% | 24.3% | 10.0% | 7.4% | 2.5 |
 FFIN | $5B | 19.0 | 11.8 | 15.7 | 71.8% | 37.5% | 14.4% | 12.4% | 0.1 |
 BOKF | $8B | 14.7 | 14.1 | 14.2 | 63.7% | 21.4% | 10.1% | 5.2% | 5.8 |
 UMBF | $10B | 14.8 | 12.4 | 10.5 | 54.4% | 20.3% | 12.6% | 7.5% | 3.6 |
 TCBK | $2B | 14.2 | 8.8 | 13.2 | 75.9% | 31.7% | 9.5% | 8.9% | 0.4 |
 NBTB | $3B | 14.5 | 11.0 | 11.5 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
| Financial Services Median | — | 13.9 | 11.5 | 11.2 | 64.1% | 20.2% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
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Run the NumbersIs OVLY Undervalued Right Now?
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Compare NowOVLY — Frequently Asked Questions
Quick answers to the most common questions about buying OVLY stock.
What is Oak Valley Bancorp's P/E ratio?
Oak Valley Bancorp's current P/E ratio is 12.1x. The historical average is 15.2x. This places it at the 48th percentile of its historical range.
What is Oak Valley Bancorp's EV/EBITDA?
Oak Valley Bancorp's current EV/EBITDA is 3.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 9.3x.
What is Oak Valley Bancorp's ROE?
Oak Valley Bancorp's return on equity (ROE) is 12.2%. The historical average is 11.0%.
Is OVLY stock overvalued?
Based on historical data, Oak Valley Bancorp is trading at a P/E of 12.1x. This is at the 48th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Oak Valley Bancorp's dividend yield?
Oak Valley Bancorp's current dividend yield is 1.73% with a payout ratio of 21.0%.
What are Oak Valley Bancorp's profit margins?
Oak Valley Bancorp has 99.0% gross margin and 37.5% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Oak Valley Bancorp have?
Oak Valley Bancorp's Debt/EBITDA ratio is 0.2x, indicating low leverage. A ratio below 2x is generally considered financially healthy.