Saturday 17 October 2026
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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. In the quarter to June 2026, revenue grew 4.45%, EPS fell 8.82% and free cash flow fell 20.3%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for ten; insiders bought in the last twelve months.
33.95
0.40
+1.19%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
10.37 | 9.62 | 7.78 | 8.12 | 8.61 | 9.89 | 12.64 | 12.80 | 17.82 | 13.02 |
Piotroski F-Score |
7 | 6 | 7 | 6 | 5 | 6 | 8 | 6 | 6 | 6 |
P/S ratio |
2.61 | 2.69 | 2.76 | 2.78 | 2.57 | 2.65 | 3.31 | 3.29 | 3.94 | 2.74 |
P/FCF ratio |
10.09 | 10.08 | 7.74 | 8.59 | 13.88 | 7.71 | 9.96 | 11.56 | 21.38 | 10.88 |
P/Operating CF |
31.06 | 56.50 | 28.29 | 24.73 | (45.28) | 47.12 | 30.99 | 53.58 | 65.75 | 35.04 |
P/B ratio |
1.19 | 1.31 | 1.45 | 1.47 | 0.99 | 1.04 | 1.40 | 1.49 | 1.79 | 1.22 |
Price to Tangible BV |
1.21 | 1.34 | 1.48 | 1.51 | 1.02 | 1.07 | 1.45 | 1.56 | 1.87 | 1.22 |
EV/Sales |
0.48 | 1.14 | 0.62 | (3.20) | (10.98) | (1.21) | 0.21 | 0.48 | 0.32 | (2.46) |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
1.59 | 3.97 | 1.65 | (9.38) | (54.22) | (3.20) | 0.59 | 1.51 | 1.40 | (9.11) |
EV/FCF |
1.86 | 4.26 | 1.75 | (9.90) | (59.42) | (3.52) | 0.64 | 1.70 | 1.74 | (9.76) |
Quick Ratio |
0.13 | 0.10 | 0.13 | 0.23 | 0.43 | 0.16 | 0.14 | 0.13 | 0.16 | 0.21 |
Current Ratio |
0.77 | 0.76 | 0.75 | 0.74 | 0.91 | 0.90 | 0.88 | 0.85 | 0.86 | 0.88 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Debt/Equity |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
Operating CF/Net income |
1.20 | 1.03 | 1.07 | 1.00 | 0.68 | 1.41 | 1.38 | 1.25 | 1.03 | 1.29 |
Capex/Depreciation |
(1.77) | (0.85) | (0.79) | (0.52) | 0.62 | (0.31) | (0.77) | (0.86) | (0.92) | (0.40) |
| 12.22% | 14.28% | 21.08% | 17.01% | 12.00% | 11.30% | 11.80% | 12.16% | 10.50% | 9.54% | |
| 1.22% | 1.33% | 1.62% | 1.16% | 0.94% | 1.03% | 1.11% | 1.08% | 0.89% | 0.81% | |
ROIC |
0.00% | 137.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Return on Tangible Assets |
(6.09%) | (6.20%) | (7.65%) | (5.04%) | (10.42%) | (11.41%) | (11.43%) | (8.63%) | (7.95%) | (7.89%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
53.75% | 49.63% | 48.26% | 53.86% | 58.99% | 62.89% | 61.68% | 62.23% | 60.44% | 67.57% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.95% | 0.94% | 0.61% | 0.93% | 1.05% | 1.08% | 1.15% | 0.96% | 0.25% | 0.70% |
Graham Net Nets |
(1.66) | (1.74) | (1.74) | (2.53) | (1.22) | (1.01) | (0.79) | (1.01) | (0.79) | (1.10) |
Graham Number |
40.57 | 39.07 | 41.52 | 31.25 | 28.21 | 24.57 | 21.94 | 19.86 | 16.92 | 14.88 |
Earnings Yield |
9.65% | 10.39% | 12.85% | 12.32% | 11.61% | 10.11% | 7.91% | 7.81% | 5.61% | 7.68% |
Free Cash Flow Yield |
9.91% | 9.92% | 12.93% | 11.64% | 7.20% | 12.96% | 10.04% | 8.65% | 4.68% | 9.19% |
Revenue per Share |
11.53 | 10.88 | 10.65 | 8.17 | 6.78 | 6.27 | 5.88 | 5.55 | 5.11 | 4.56 |
Operating CF per Share |
3.48 | 3.12 | 4.03 | 2.79 | 1.37 | 2.37 | 2.12 | 1.79 | 1.17 | 1.23 |
Capex per Share |
(0.50) | (0.22) | (0.23) | (0.15) | (0.12) | (0.21) | (0.17) | (0.20) | (0.22) | (0.08) |
Free Cash Flow per Share |
2.98 | 2.90 | 3.80 | 2.65 | 1.25 | 2.15 | 1.95 | 1.58 | 0.94 | 1.15 |
Cash per Share |
28.17 | 20.53 | 26.43 | 52.59 | 95.55 | 27.90 | 18.22 | 15.61 | 18.51 | 23.71 |
Shareholders Equity per Share |
25.23 | 22.32 | 20.27 | 15.50 | 17.51 | 15.97 | 13.89 | 12.26 | 11.26 | 10.25 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
25.23 | 22.32 | 20.27 | 15.50 | 17.51 | 15.97 | 13.89 | 12.26 | 11.26 | 10.25 |
Free Cash Flow |
24.56 | 23.86 | 31.17 | 21.62 | 10.21 | 17.50 | 15.83 | 12.80 | 7.59 | 9.25 |
Working Capital |
(411.82) | (419.00) | (419.21) | (470.01) | (172.21) | (135.73) | (124.51) | (148.69) | (128.90) | (110.78) |
Capital Expenditures |
(4.11) | (1.78) | (1.89) | (1.19) | (0.98) | (1.74) | (1.38) | (1.64) | (1.80) | (0.66) |
Net Current Asset Value |
(411.82) | (419.00) | (419.21) | (470.01) | (172.21) | (135.73) | (124.51) | (148.69) | (128.90) | (110.78) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.04 | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 | 0.03 | 0.04 | 0.04 | 0.02 |
Price to Operating Income |
8.08 | 7.47 | 5.98 | 6.25 | 6.74 | 7.61 | 9.45 | 9.30 | 10.65 | 9.03 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.12 | 0.13 | 0.15 | 0.15 | (0.10) | 0.35 | 0.12 | 0.13 | 0.14 | 0.12 |
Cash ROIC |
5.58% | 6.77% | 8.14% | 3.89% | 1.11% | 4.91% | 6.08% | 5.68% | 3.16% | 3.38% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
49,179.46 | 48,128.06 | 123,857.92 | 591,794.82 | 679,240.57 | 433,001.11 | 237,419.70 | 224,203.41 | 321,776.46 | 436,706.73 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
1,744.33 | 1,673.11 | 1,732.42 | 1,810.63 | 1,587.39 | 1,193.87 | 1,003.21 | 962.69 | 926.49 | 864.39 |
Average Assets |
1,961.86 | 1,871.51 | 1,905.38 | 1,966.41 | 1,737.98 | 1,329.63 | 1,121.34 | 1,064.87 | 1,018.48 | 949.57 |
Average Common Equity |
195.71 | 174.76 | 146.36 | 134.62 | 136.15 | 121.13 | 105.80 | 94.90 | 86.61 | 80.36 |
Columns are period end dates