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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%
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.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Source: company filings (standardised) and stockrow calculations.

Oak Valley Bancorp (CA) (OVLY) Latest News

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