Saturday 17 October 2026 Export OVLY’s income statement to Excel — free account

Oak Valley Bancorp (CA)

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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Market cap: $282.3M
P/E: 12.0×
Fwd P/E: —
Dividend yield: 2.21%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.20

Total sells 0.10

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	1	—	—	3	—	1	3	—	1	4	1	—
Sell	1	1	1	—	—	—	1	1	1	1	1	—

Insider Ownership 15.02%

Capital & Financial Ratios $m

Market Cap 282.25

Revenue 97.51

Net Income 23.45

Free Cash Flow 24.48

Net Debt (194.80)

Current Ratio 0.78

Debt/Equity 0.00

P/E ratio 11.95

Fwd P/E —

P/S ratio 2.88

P/B ratio 1.29

Past 5Y EPS Growth 11.38%

This Y EPS Growth —

Next Y EPS Growth —

Next Y revenue growth —

Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 62.29%

10-year low 10-year high

P/S against its own 10 years 65.46%

10-year low 10-year high

P/B against its own 10 years 55.40%

10-year low 10-year high

Dividends

Payout Ratio 0.27

Annual Dividend Rate 0.75

Annual Dividend Yield 2.21%

	total	individual payouts
2026	0.75	0.38 0.38
2025	0.60	0.30 0.30
2024	0.45	0.23 0.23
2023	0.32	0.16 0.16
2022	0.30	0.15 0.15
2021	0.29	0.15 0.15
2020	0.28	0.14 0.14
2019	0.27	0.14 0.14
2018	0.26	0.13 0.13
2017	0.25	0.13 0.13
2016	0.24	0.12 0.12

special payouts not included in total or ratios

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%

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.

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	9.22	12.39	16.39	15.60	10.72	15.14	16.52	22.49	22.91	22.70	Analyst estimates 2026–2028 Powerpack
	High	12.75	20.69	25.65	19.95	19.69	20.55	23.41	30.70	32.24	31.45
People
People	Employees	169	175	186	192	191	216	207	230	231	245
	Revenue/emp, $m	0.22	0.24	0.24	0.25	0.27	0.26	0.32	0.38	0.39	0.39
Income, $m
Income, $m	Revenue	37	41	45	48	51	55	67	87	89	95
	Gross margin, %	97.92	97.42	96.42	96.71	97.74	98.24	98.32	94.43	85.62	86.00
	EBT	11	15	15	17	18	22	30	40	32	31
	EBT margin, %	30.35	36.97	34.19	35.02	34.84	39.25	44.47	46.17	35.99	32.25
	Net income	8	9	12	12	14	16	23	31	25	24
	Depreciation	2	2	2	2	6	(2)	2	2	2	2
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
	Earnings	0.95	1.13	1.43	1.54	1.68	2.01	2.80	3.76	3.04	2.90
	Cash flow	1.23	1.17	1.79	2.12	2.37	1.37	2.79	4.03	3.12	3.48
	Capex	(0.08)	(0.22)	(0.20)	(0.17)	(0.21)	(0.12)	(0.15)	(0.23)	(0.22)	(0.50)
	Free cash flow	1.15	0.94	1.58	1.95	2.15	1.25	2.65	3.80	2.90	2.98
	Book value	10.25	11.26	12.26	13.89	15.97	17.51	15.50	20.27	22.32	25.23
	Shares, m	8	8	8	8	8	8	8	8	8	8
Valuation, ×
Valuation, ×	P/E	13.02	17.82	12.80	12.64	9.89	8.61	8.12	7.78	9.62	10.37
	P/S	2.74	3.94	3.29	3.31	2.65	2.57	2.78	2.76	2.69	2.61
	P/B	1.22	1.79	1.49	1.40	1.04	0.99	1.47	1.45	1.31	1.19
	EV/Sales	(2.46)	0.32	0.48	0.21	(1.21)	(10.98)	(3.20)	0.62	1.14	0.48
	EV/FCF	(9.76)	1.74	1.70	0.64	(3.52)	(59.42)	(9.90)	1.75	4.26	1.86
Cash, $m
Cash, $m	Operating cash flow	10	9	14	17	19	11	23	33	26	29
	Capex	(1)	(2)	(2)	(1)	(2)	(1)	(1)	(2)	(2)	(4)
	Free cash flow	9	8	13	16	18	10	22	31	24	25
Balance, $m
Balance, $m	Working capital	(111)	(129)	(149)	(125)	(136)	(172)	(470)	(419)	(419)	(412)
	Total debt	—	—	—	—	—	—	—	—	—	—
	Net debt	(191)	(149)	(126)	(148)	(227)	(778)	(430)	(217)	(169)	(232)
	Shareholders’ equity	82	91	99	113	130	143	127	166	183	208
Returns, %
Returns, %	ROA	0.81	0.89	1.08	1.11	1.03	0.94	1.16	1.62	1.33	1.22
	ROIC	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	137.01	0.00
	ROE	9.54	10.50	12.16	11.80	11.30	12.00	17.01	21.08	14.28	12.22

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
MYFW First Western Financial, Inc.	$287.7M	15.5×	12.3×	+10.12% (above 0%: growing)	+126.92% (above 0%: growing)	+216.45% (above 0%: growing)	58.35%	0.00%	Compare
ATLO Ames National Corporation	$284.8M	12.5×	11.0×	+7.68% (above 0%: growing)	+31.37% (above 0%: growing)	−13.26% (below 0%: shrinking)	73.46%	0.00%	Compare
FUNC First United Corporation	$283.5M	11.4×	9.1×	+5.24% (above 0%: growing)	−4.35% (below 0%: shrinking)	+705.52% (above 0%: growing)	75.95%	0.00%	Compare
FRAF Franklin Financial Services Corp.	$282.6M	11.4×	10.0×	+1.12% (above 0%: growing)	+11.36% (above 0%: growing)	+20.95% (above 0%: growing)	71.88%	0.00%	Compare
OVLY Oak Valley Bancorp (CA)	$282.3M	12.0×	—	+4.45% (above 0%: growing)	−8.82% (below 0%: shrinking)	−20.28% (below 0%: shrinking)	85.32%	0.00%
ISBA Isabella Bank Corporation	$280.1M	13.5×	11.9×	+13.60% (above 0%: growing)	+1.47% (above 0%: growing)	+1.06% (above 0%: growing)	73.42%	0.00%	Compare
VABK Virginia National Bankshares Corporation	$279.1M	11.1×	17.8×	+24.86% (above 0%: growing)	+110.13% (above 0%: growing)	−47.94% (below 0%: shrinking)	77.48%	0.00%	Compare
NKSH National Bankshares, Inc.	$276.0M	13.6×	10.7×	+6.17% (above 0%: growing)	+119.44% (above 0%: growing)	+118.57% (above 0%: growing)	71.02%	0.00%	Compare
FNRN First Northern Community Bancorp	$273.3M	12.2×	—	+2.07% (above 0%: growing)	−12.99% (below 0%: shrinking)	+31.66% (above 0%: growing)	83.16%	0.00%	Compare
Median of peers	$281.3M	12.3×	11.0×	+6.92%	+21.37%	+26.31%	73.44%	0.00%

All 323 Banks Regional stocks →

Oak Valley Bancorp (CA) (OVLY) key facts

Concern: Net income was $23.9 million, or $2.90 per share (basic), a net margin of 25.2%.
Strength: Oak Valley Bancorp (CA)’s revenue for fiscal 2025 (year ended December 2025) was $95.0 million, up 6.25% from fiscal 2024.
Oak Valley Bancorp (CA) (OVLY) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, OVLY traded at $33.95, a market capitalization of $282.3 million.
At that price the stock trades at 12.0× trailing-twelve-month earnings and 2.9× sales; its P/E is higher than 62% of its own readings over the past ten years.
Oak Valley Bancorp (CA) pays an annual dividend of $0.75 per share, a yield of 2.21%, with a payout ratio of 26.6%.
Return on equity was 12.2% and debt-to-equity 0.00.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.