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Oak Valley Bancorp (CA)

OVLY Financial Banks Regional

Oak Valley Bancorp (CA)’s revenue for fiscal 2025 (year ended December 2025) was $95.0 million, up 6.25% from fiscal 2024.

Revenue
+4.45%
EPS
−8.82%
Free cash flow
−20.3%

Quarter to June 2026, against a year earlier

34.35 0.94 −2.66%
Market cap
$288.3M
P/E
12.1×
Fwd P/E
—
Dividend yield
2.18%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.19
Sold, $m 0.10
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 3 — 1 3 — 1 4 1 1 —
Sell 1 1 — — — 1 1 1 1 1 1 —
Insider Ownership 15.02%

Capital & Financial Ratios $m

Size
Market Cap 288.30
Revenue ttm 97.51
Net income ttm 23.45
Free cash flow ttm 24.48
Net debt Q (194.80)
Valuation
P/E 12.10
Forward P/E —
Price / sales 2.91
Forward P/S Powerpack
Price / FCF 11.61
Price / book 1.31
Financial health
Current ratio Q 0.78
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +4.45% (above 0%: growing)
Operating income growth Q −10.29% (below 0%: shrinking)
EPS, this year —
EPS, next year A —
Revenue, next year A —
EPS, past 5 yrs +11.38%
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 64.36%
10-year low 10-year high
P/S against its own 10 years 68.43%
10-year low 10-year high
P/B against its own 10 years 57.61%
10-year low 10-year high

Dividends raised every year since 2018

Yield
2.18%
Annual rate
0.75
Payout ratio
26.6%
Growth, 2018–26
+14.2%/yr
  1. 0.26 ’18
  2. 0.27 ’19 +4
  3. 0.28 ’20 +4
  4. 0.29 ’21 +4
  5. 0.30 ’22 +3
  6. 0.32 ’23 +7
  7. 0.45 ’24 +41
  8. 0.60 ’25 +33
  9. 0.75 ’26 +25
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 217 169 232 195
Receivables — — — —
Inventory — — — —
Other — — — —
1,257 1,298 1,403 1,389
2023 2024 2025 Q'26
Payables 1,651 1,696 1,793 1,764
ST’ Debt — — — —
Other — — — —
1,676 1,717 1,815 1,785

Compound Annual Growth %

10y 5y 3y
Sales 12.17% 13.29% 12.49%
Cash Flow 20.86% 8.30% 7.92%
Earnings 17.16% 11.81% 1.45%
Book Value 10.27% 9.91% 17.99%

EPS $

Mar Jun Sep Dec Year
’26 0.64 0.61 — — —
’25 0.64 0.67 0.81 0.76 2.88
’24 0.69 0.71 0.89 0.73 3.02
’23 1.12 1.02 0.89 0.71 3.75
’22 0.29 0.52 0.83 1.15 2.79
’21 0.53 0.48 0.56 0.42 2.00
’20 0.33 0.32 0.46 0.57 1.68
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 24 24 — — —
’25 23 23 24 25 95
’24 22 22 23 23 89
’23 22 22 22 22 87
’22 12 15 19 21 67
’21 14 14 15 13 55
’20 12 12 13 14 51
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 8 4 — — —
’25 8 6 7 8 29
’24 8 4 9 4 26
’23 12 11 1 9 33
’22 2 5 8 8 23
’21 7 2 5 (3) 11
’20 4 10 3 3 19
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 8 3 — — —
’25 7 4 6 7 25
’24 8 4 9 3 24
’23 12 10 1 8 31
’22 2 4 8 7 22
’21 7 2 5 (3) 10
’20 4 9 2 3 18
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 37 41 45 48 51 55 67 87 89 95 98 +11.2% — — — —
Gross margin, % 97.92 97.42 96.42 96.71 97.74 98.24 98.32 94.43 85.62 86.00 85.97 (11.9) pt
EBT 11 15 15 17 18 22 30 40 32 31 30 +11.9%
EBT margin, % 30.35 36.97 34.19 35.02 34.84 39.25 44.47 46.17 35.99 32.25 30.68 +1.9 pt
Net income 8 9 12 12 14 16 23 31 25 24 23 +13.5%
Per share, $
Per share, $ Revenue 4.56 5.11 5.55 5.88 6.27 6.78 8.17 10.65 10.88 11.53 11.79 +10.9%
Earnings 0.95 1.13 1.43 1.54 1.68 2.01 2.80 3.76 3.04 2.90 2.84 +13.2%
Cash flow 1.23 1.17 1.79 2.12 2.37 1.37 2.79 4.03 3.12 3.48 3.18 +12.2%
Capex (0.08) (0.22) (0.20) (0.17) (0.21) (0.12) (0.15) (0.23) (0.22) (0.50) (0.22) +22.2%
Free cash flow 1.15 0.94 1.58 1.95 2.15 1.25 2.65 3.80 2.90 2.98 2.96 +11.2%
Book value 10.25 11.26 12.26 13.89 15.97 17.51 15.50 20.27 22.32 25.23 26.23 +10.5%
Shares, m 8 8 8 8 8 8 8 8 8 8 8 +0.3%
Valuation, ×
Valuation, × P/E 13.02 17.82 12.80 12.64 9.89 8.61 8.12 7.78 9.62 10.37 12.10 11.1
P/S 2.74 3.94 3.29 3.31 2.65 2.57 2.78 2.76 2.69 2.61 2.91 2.9
P/B 1.22 1.79 1.49 1.40 1.04 0.99 1.47 1.45 1.31 1.19 1.31 1.3
EV/Sales (2.46) 0.32 0.48 0.21 (1.21) (10.98) (3.20) 0.62 1.14 0.48 — (1.5)
EV/FCF (9.76) 1.74 1.70 0.64 (3.52) (59.42) (9.90) 1.75 4.26 1.86 — (7.1)
Cash, $m
Cash, $m Operating cash flow 10 9 14 17 19 11 23 33 26 29 26 +12.5%
Capex (1) (2) (2) (1) (2) (1) (1) (2) (2) (4) (2) +22.5%
Free cash flow 9 8 13 16 18 10 22 31 24 25 24 +11.5%
Balance, $m
Balance, $m Working capital (111) (129) (149) (125) (136) (172) (470) (419) (419) (412) (396) +15.7%
Net debt (191) (149) (126) (148) (227) (778) (430) (217) (169) (232) (195) +2.2%
Shareholders’ equity 82 91 99 113 130 143 127 166 183 208 217 +10.8%
Returns, %
Returns, % ROA 0.81 0.89 1.08 1.11 1.03 0.94 1.16 1.62 1.33 1.22 1.20 +0.4 pt
ROIC 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 137.01 0.00 84.12 0.0 pt
ROE 9.54 10.50 12.16 11.80 11.30 12.00 17.01 21.08 14.28 12.22 11.64 +2.7 pt
People
People Employees 169 175 186 192 191 216 207 230 231 245 — +4.2%
Revenue/emp, $m 0.22 0.24 0.24 0.25 0.27 0.26 0.32 0.38 0.39 0.39 — +6.7%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Oak Valley Bancorp (CA) vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
NEWT NewtekOne, Inc. $308.3M 4.8× 6.2× +14.68% (above 0%: growing) −9.43% (below 0%: shrinking) +18.31% (above 0%: growing) 100.00% 70.56% Compare
BPRN Princeton Bancorp, Inc. $299.7M 11.6× 11.2× −2.61% (below 0%: shrinking) +940.00% (above 0%: growing) −38.15% (below 0%: shrinking) 65.93% 0.00% Compare
FUNC First United Corporation $295.0M 11.7× 10.8× +4.79% (above 0%: growing) +3.97% (above 0%: growing) +1,978.11% (above 0%: growing) 77.40% 0.00% Compare
FVCB Fvcbankcorp, Inc. $293.8M 10.9× 10.5× +9.18% (above 0%: growing) +19.35% (above 0%: growing) −23.59% (below 0%: shrinking) 64.10% 0.00% Compare
FNRN First Northern Community Bancorp $291.4M 13.1× — +2.07% (above 0%: growing) −12.99% (below 0%: shrinking) +31.66% (above 0%: growing) 83.16% 0.00% Compare
QNBC QNB Corp. $291.4M — (loss-making) — (loss-making) −74.89% (below 0%: shrinking) n/m +282.00% (above 0%: growing) (90.91%) 0.00% Compare
VABK Virginia National Bankshares Corporation $288.7M 11.6× 17.8× +24.86% (above 0%: growing) +110.13% (above 0%: growing) −47.94% (below 0%: shrinking) 77.48% 0.00% Compare
OVLY Oak Valley Bancorp (CA) $288.3M 12.1× — +4.45% (above 0%: growing) −8.82% (below 0%: shrinking) −20.28% (below 0%: shrinking) 85.32% 0.00%
LCNB LCNB Corporation $278.5M 11.2× 10.7× −0.76% (below 0%: shrinking) +4.08% (above 0%: growing) +43.09% (above 0%: growing) 78.76% 0.00% Compare
Median of peers $292.6M 11.6× 10.8× +3.43% +4.08% +24.99% 77.44% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 29 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 908.28k 996.25k 133.80
2024 980.58k 975.54k 132.96
2023 1.07m 1.09m 139.60

Ownership

Directors and executive officers, together 13.94%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Oak Valley Bancorp (CA) (OVLY) Latest News

27 Oct

Impact 3 · · Zacks

23 Oct

Impact 3 · · Simply Wall St.

21 Oct

Impact 3 · · GlobeNewswire
Impact 3 · · Zacks

22 Apr

Impact 4 · · GlobeNewswire

29 Jan

Impact 4 · · Zacks

26 Jan

Impact 3 · · GlobeNewswire

23 Jan

Impact 4 ·
Impact 3 · · Associated Press Finance

12 Jan

Impact 3 · · GlobeNewswire

21 Nov

Impact 4 · · Simply Wall St.

28 Oct

Impact 3 · · ZacksAssociated Press Finance

24 Oct

Impact 3 · · Simply Wall St.

22 Oct

Impact 4 · · GlobeNewswire
Impact 3 · · Associated Press Finance

9 Oct

Impact 3 · · Simply Wall St.

29 Sep

Impact 3 · · Zacks

9 Sep

Impact 3 ·

13 Aug

Impact 3 · · Simply Wall St.

18 Jul

Impact 3 ·
Impact 3 · · GlobeNewswire

10 Jul

Impact 4 · · GlobeNewswire

18 Jun

Impact 3 · · GlobeNewswire

29 May

Impact 3 ·

2 May

Impact 3 ·

18 Apr

Impact 3 · · GlobeNewswire

2 Apr

Impact 3 · · Simply Wall St.

6 Mar

Impact 3 · · Simply Wall St.

2 Feb

Impact 3 ·

28 Jan

Impact 3 ·
stockrow.com/OVLY · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com