Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Oak Valley Bancorp's quarterly P/E stands at 9.9x, down 1.3% year-over-year. EV/EBITDA has compressed 48.7% YoY to 1.7x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.15 | 9.89 | 8.69 | 10.16 | 9.75 | 10.02 | 7.46 | 8.79 | 8.98 | 10.55 | 7.04 | 6.17 | 5.28 |
| — | -1.3% | +16.5% | +15.6% | +8.6% | -5.0% | +5.9% | +42.4% | +70.0% | +114.2% | +30.9% | -25.3% | -66.8% | |
| P/S Ratio | 3.60 | 2.93 | 2.39 | 2.44 | 2.27 | 2.64 | 2.39 | 2.34 | 2.37 | 2.81 | 2.36 | 2.38 | 2.25 |
| — | +11.1% | -0.0% | +4.3% | -4.3% | -6.0% | +1.4% | -1.7% | +5.6% | +26.0% | +20.0% | +0.3% | -26.5% | |
| P/B Ratio | 1.40 | 1.20 | 1.18 | 1.21 | 1.13 | 1.32 | 1.18 | 1.20 | 1.22 | 1.49 | 1.53 | 1.41 | 1.38 |
| — | -9.1% | -0.4% | +1.3% | -8.0% | -11.1% | -22.5% | -14.9% | -11.0% | +1.1% | +10.7% | +18.5% | +19.8% | |
| P/FCF | 11.99 | 15.47 | 5.90 | 14.11 | 7.61 | 17.87 | 6.28 | 14.39 | 6.27 | — | 42.66 | 5.27 | 4.10 |
| — | -13.5% | -5.9% | -2.0% | +21.3% | — | -85.3% | +173.0% | +52.8% | — | +812.5% | -33.1% | -75.8% | |
| EV / EBITDA | 3.23 | 1.66 | 0.24 | 2.44 | 1.42 | 3.24 | 1.33 | 1.84 | 2.01 | 2.07 | -0.82 | -1.36 | -3.38 |
| — | -48.7% | -81.6% | +32.9% | -29.0% | +56.3% | +262.1% | +235.3% | +159.5% | +145.5% | +88.3% | +90.0% | +90.7% | |
| EV / EBIT | 3.23 | 1.66 | 0.24 | 2.53 | 1.48 | 3.35 | 1.36 | 1.90 | 2.08 | 2.14 | -0.84 | -1.39 | -3.46 |
| — | -50.5% | -82.1% | +33.0% | -28.9% | +56.6% | +261.9% | +236.8% | +160.3% | +146.5% | +88.3% | +90.3% | +91.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Oak Valley Bancorp's operating margin was 38.3% in Q4 2025, up 3.5 pp QoQ and up 4.6 pp YoY. This marks the 4th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 33.5% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 14.2% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 99.0% | 95.9% | 86.7% | 85.9% | 85.4% | 84.0% | 91.9% | 86.6% | 87.2% | 84.4% | 92.2% | 96.8% | 100.0% |
| — | +14.2% | -5.6% | -0.8% | -2.0% | -0.4% | -0.4% | -10.6% | -12.8% | -20.2% | -5.3% | -1.6% | +2.0% | |
| Operating Margin | 37.5% | 38.3% | 34.8% | 31.0% | 29.9% | 33.7% | 42.6% | 33.8% | 33.6% | 35.4% | 43.9% | 50.6% | 55.0% |
| — | +13.8% | -18.3% | -8.3% | -11.1% | -4.9% | -3.0% | -33.2% | -38.8% | -40.7% | -6.9% | +39.0% | +126.3% | |
| Net Margin | 29.3% | 29.8% | 27.3% | 24.2% | 23.3% | 26.2% | 31.9% | 26.8% | 26.6% | 26.7% | 33.6% | 38.6% | 42.6% |
| — | +13.7% | -14.2% | -9.7% | -12.5% | -1.9% | -5.1% | -30.7% | -37.5% | -41.2% | -7.8% | +34.7% | +122.5% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.2% | 3.1% | 3.5% | 3.0% | 2.9% | 3.3% | 4.1% | 3.5% | 3.4% | 3.9% | 5.2% | 5.8% | 6.9% |
| — | -4.3% | -15.0% | -13.0% | -16.1% | -16.3% | -21.3% | -40.3% | -50.0% | -52.2% | -13.8% | +71.2% | +298.3% | |
| ROA | 1.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% | 0.3% | 0.3% | 0.3% | 0.4% | 0.4% | 0.5% |
| — | -0.3% | -12.7% | -10.0% | -11.8% | -0.9% | -1.6% | -26.9% | -33.5% | -33.9% | +15.6% | +104.3% | +289.4% | |
| ROIC | 11.5% | 3.0% | 3.3% | 2.9% | 2.8% | 3.1% | 4.1% | 3.3% | 3.3% | 3.9% | 5.1% | 5.7% | 6.7% |
| — | -6.0% | -19.0% | -11.6% | -14.7% | -18.9% | -19.6% | -42.4% | -51.1% | -51.8% | -13.0% | +76.7% | +305.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Oak Valley Bancorp's Debt/EBITDA ratio is 0.9x — comfortably within a safe range. The current ratio has improved 113081.2% YoY to 148.25x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.04 | 0.04 | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Debt / EBITDA | 0.25 | 0.93 | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Current Ratio | 148.25 | 148.25 | 0.13 | 0.09 | 0.14 | 0.13 | 0.40 | 0.39 | 0.40 | 0.43 | 0.46 | 0.49 | 0.52 |
| — | +113081.2% | -68.6% | -77.1% | -64.9% | -69.4% | -12.1% | -20.0% | -23.1% | -17.2% | -11.6% | -8.2% | -5.6% | |
| Quick Ratio | 148.25 | 148.25 | 0.13 | 0.09 | 0.14 | 0.13 | 0.40 | 0.39 | 0.40 | 0.43 | 0.46 | 0.49 | 0.52 |
| — | +113081.2% | -68.6% | -77.1% | -64.9% | -69.4% | -12.1% | -20.0% | -23.1% | -17.2% | -11.6% | -8.2% | -5.6% | |
| Interest Coverage | 2.30 | 2.39 | 2.57 | 2.19 | 2.05 | 2.11 | 2.81 | 2.52 | 2.63 | 3.37 | 6.82 | 15.80 | 26.27 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Oak Valley Bancorp's current P/E is 12.1x. The average P/E over the last 4 quarters is 9.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Oak Valley Bancorp's current operating margin is 37.5%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Oak Valley Bancorp's business trajectory between earnings reports.