Oak Valley Bancorp (OVLY)

NCM – Real Time Price. Currency in USD

33.20

-0.16 (-0.48%)

Market open: Aug 12, 2026, 9:33 AM EDT

33.36

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 33.36$
Day's range: 32.62 - 33.76$
52-week range: 25.41 - 35.97$
Volume: 18 927
Average volume: 25 347
Beta: 0.16
EPS (TTM): 2.84
PE ratio (TTM): 11.84
Forward P/E: N/A
Market cap: 280 672 960
Shares outstanding: 8 413 458
Dividend yield: $2.02 (2.02%)
Next earnings date: N/A
Sector: Financials
Industry: Banks - Regional

About the company

Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank that provides a range of commercial banking services to individuals and small to medium-sized businesses in the Central Valley and the Eastern Sierras. The company accepts deposits through checking and savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. It also provides commercial r... read more

CEO: Richard McCarty
Country: United States
IPO Date
Employees: 246
Fiscal Year End: January - December
Website: https://www.ovcb.com

Revenue Breakdown

Banking and Related Activities / 100.00%

News

No Data

There are no news for this stock.

Chart: OVLY

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Overall Score

3.4 / 1034%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $0.0

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.0) is near the industry average, reflecting balanced leverage

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	N/A	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	N/A	0.05	1.0
Debt to Assets	N/A	0.09	1.0
Interest coverage	N/A	N/A	10
Weighted average score			2.8

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	66M	87M	90M	95M	94M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	30M	40M	32M	31M	30M
Net Income	23M	31M	25M	24M	23M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	N/A	0.44	1.0
Net margin %	N/A	32.70	1.0
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			1.0

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.21	1.46	3.0
ROE	12.11	14.94	7.0
ROIC	12.54	0.00	7.0
ROCE	N/A	0.00	1.0
Weighted average score			4.5

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	N/A	N/A	1.0
Next quarter	N/A	N/A	1.0
Current year	N/A	N/A	1.0
Next year	N/A	N/A	1.0
Weighted average score			1.0

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-14.83	-3.66	N/A	5.7	2.0
Y/Y	-10.85	-8.47	N/A	11.07	2.5
3y average	13.42	3.81	N/A	6.78	4.5
5y average	13.77	14.2	N/A	18.83	6.5
Weighted average score					3.9

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	11.73	11.16	6.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	3.28	3.37	4.4
P/B	1.28	1.53	6.0
Weighted average score			4.6

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR13.77%

FCF 5 year CAGR4

Fair value86.25$

Stock price33.2$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	2.12	2.12	7.0
Payout ratio	56.60	56.60	10
5-year dividend growth rate	16.05	16.05	10
Years of dividend increase	11.00	11.00	8.0
Weighted average score			8.8

Fair Value

$86.25

UndervaluedStock priceOvervalued

$33.2

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Richard McCarty

Country

United States

IPO Date

Employees

246

Fiscal Year End

January - December

Website

https://www.ovcb.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

N/A

2.82

1.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

N/A

0.05

1.0

Debt to Assets

N/A

0.09

1.0

Interest coverage

N/A

Weighted average score

2.8

METRIC

2022

2023

2024

2025

TTM

Total Revenue

66M

87M

90M

95M

94M

Gross Profit

N/A

Operating Income

30M

40M

32M

31M

30M

Net Income

23M

31M

25M

24M

23M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

N/A

0.44

1.0

Net margin %

N/A

32.70

1.0

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

1.0

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.21

1.46

3.0

ROE

12.11

14.94

7.0

ROIC

12.54

0.00

7.0

ROCE

N/A

0.00

1.0

Weighted average score

4.5

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

N/A

1.0

Next quarter

N/A

1.0

Current year

N/A

1.0

Next year

N/A

1.0

Weighted average score

1.0

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-14.83

-3.66

N/A

5.7

2.0

Y/Y

-10.85

-8.47

N/A

11.07

2.5

3y average

13.42

3.81

N/A

6.78

4.5

5y average

13.77

14.2

N/A

18.83

6.5

Weighted average score

3.9

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

11.73

11.16

6.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

3.28

3.37

4.4

P/B

1.28

1.53

6.0

Weighted average score

4.6

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

2.12

7.0

Payout ratio

56.60

5-year dividend growth rate

16.05

Years of dividend increase

11.00

8.0

Weighted average score

8.8

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Oak Valley Bancorp (OVLY)

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Oak Valley Bancorp (OVLY)

Stock details

About the company

Revenue Breakdown

News

Chart: OVLY

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$86.25

$33.2

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: OVLY

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$86.25

$33.2

Economic Moat