OVLY
Oak Valley Bancorp
Price Chart
Latest Quote
$33.13
-0.90 (-2.64%)
Current Price
| Previous Close | $34.03 |
| Open | $34.00 |
| Day High | $35.84 |
| Day Low | $33.03 |
| Volume | 31,858 |
Stock Information
| Quarterly Dividend / Yield | $0.75 / 2.27% |
| Shares Outstanding | 8.41M |
| Quarterly Dividend Yield | 2.27% |
| Quarterly Dividend | $0.75 |
| Total Debt | $8.25M |
| Cash Equivalents | $201.60M |
| Revenue | $82.09M |
| Net Income | $23.93M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $278.74M |
| P/E Ratio | 11.50 |
| EPS (TTM) | $2.88 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $80.78M |
| Sales | $82.09M |
| Income | $23.93M |
| Book/sh | $25.21 |
| Cash/sh | $23.96 |
| Employees | 244 |
Financial Ratios
| EPS Growth TTM | 0.20% |
Returns & Margins
| ROA | 1.22% |
| ROE | 12.28% |
| Operating Margin | 34.96% |
| Profit Margin | 29.14% |
Ownership
| Insider Ownership | 15.14% |
| Institutional Ownership | 33.81% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 3.40 |
| P/B | 1.31 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $33.77 |
| SMA50 | $33.73 |
| SMA200 | $30.79 |
| RSI | 51.67 |
| ATR | 1.2493 |
| Shares Float | 7.10M |
| Short Float | 0.73% |
| Short Ratio | 1.22 |
| Volatility | 0.21 |
| Rel Volume | 0.43 |
Performance History
| Week | -5.32% |
| Month | -1.28% |
| Quarter | +7.67% |
| 6 Months | +8.84% |
| YTD | +12.87% |
| Year | +33.42% |
| 3 Years | +36.27% |
| 5 Years | +98.49% |
| 10 Years | +312.88% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-22 | $33.13 | 34,500 |
| 2026-06-18 | $34.03 | 140,200 |
| 2026-06-17 | $33.64 | 51,100 |
| 2026-06-16 | $33.73 | 70,600 |
| 2026-06-15 | $33.67 | 71,700 |
| 2026-06-12 | $34.99 | 83,200 |
| 2026-06-11 | $34.64 | 62,800 |
| 2026-06-10 | $34.78 | 77,400 |
| 2026-06-09 | $34.77 | 84,000 |
| 2026-06-08 | $34.31 | 55,700 |
| 2026-06-05 | $34.21 | 133,900 |
| 2026-06-04 | $33.66 | 92,700 |
| 2026-06-03 | $32.64 | 67,700 |
| 2026-06-02 | $33.81 | 100,000 |
| 2026-06-01 | $32.88 | 63,200 |
| 2026-05-29 | $32.91 | 71,000 |
| 2026-05-28 | $32.90 | 57,700 |
| 2026-05-27 | $33.26 | 196,600 |
| 2026-05-26 | $33.70 | 38,400 |
About Oak Valley Bancorp
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 real estate loans, commercial business lending and trade finance, and small business administration lending, as well as consumer loans, including automobile loans, home mortgages, credit lines, and other personal loans. In addition, the company offers Internet, online, and mobile banking services; automated teller machines; and remote deposit capture, merchant, night depository, extended hours, wire transfer of funds, and note collection services. Oak Valley Bancorp was incorporated in 1990 and is headquartered in Oakdale, California.
đ° Latest News
The Zacks Analyst Blog Highlights Amazon.com, Bank of America, Roche, Oak Valley Bancorp and Ohio Valley Banc
Zacks âĸ 2026-06-09T11:28:00Z
Top Stock Reports for Amazon, Bank of America & Roche
Zacks âĸ 2026-06-08T20:22:00Z
Oak Valley Bancorp Gains 26% in a Year: Should You Buy the Stock?
Zacks âĸ 2026-06-05T17:47:00Z
Exploring May 2026's Undervalued Small Caps With Insider Buying
Simply Wall St. âĸ 2026-05-13T11:39:49Z
OVLY's Q1 Earnings Flat Y/Y Despite Net Interest Income Gain
Zacks âĸ 2026-04-28T17:48:00Z
The Zacks Analyst Blog Highlights AstraZeneca, HSBC, Walt Disney, Oak Valley Bancorp and BV Financial
Zacks âĸ 2026-04-08T14:02:00Z
Top Research Reports for AstraZeneca, HSBC & Walt Disney
Zacks âĸ 2026-04-07T20:29:00Z
Undervalued Small Caps With Insider Action In February 2026
Simply Wall St. âĸ 2026-02-17T11:39:57Z
Asset Growth Drives Oak Valley Bancorp's Solid Q4 Earnings
Zacks âĸ 2026-01-29T17:32:00Z
Oak Valley Bancorp: Q4 Earnings Snapshot
Associated Press Finance âĸ 2026-01-24T00:27:16Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $81,729,000 | $76,589,000 | $82,433,000 | $65,647,000 |
| Operating Revenue | $81,729,000 | $76,589,000 | $82,433,000 | $65,647,000 |
| Expenses | ||||
| Interest Expense | $13,307,000 | $12,860,000 | $4,864,000 | $1,119,000 |
| General And Administrative Expense | $30,839,000 | $28,640,000 | $26,109,000 | $23,045,000 |
| Other Non Interest Expense | $14,691,000 | $12,767,000 | $10,507,000 | $10,112,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $23,913,000 | $24,948,000 | $30,848,000 | $22,902,000 |
| Net Interest Income | $74,615,000 | $70,034,000 | $75,802,000 | $60,076,000 |
| Interest Income | $87,922,000 | $82,894,000 | $80,666,000 | $61,195,000 |
| Normalized Income | $23,913,000 | $24,948,000 | $30,848,000 | $22,902,000 |
| Net Income From Continuing And Discontinued Operation | $23,913,000 | $24,948,000 | $30,848,000 | $22,902,000 |
| Average Dilution Earnings | $0 | $0 | - | - |
| Net Income Common Stockholders | $23,913,000 | $24,948,000 | $30,848,000 | $22,902,000 |
| Net Income | $23,913,000 | $24,948,000 | $30,848,000 | $22,902,000 |
| Net Income Including Noncontrolling Interests | $23,913,000 | $24,948,000 | $30,848,000 | $22,902,000 |
| Net Income Continuous Operations | $23,913,000 | $24,948,000 | $30,848,000 | $22,902,000 |
| Pretax Income | $30,650,000 | $32,192,000 | $40,306,000 | $29,689,000 |
| Per Share | ||||
| Diluted EPS | $2.88 | $3.02 | $3.75 | $2.79 |
| Basic EPS | $2.90 | $3.04 | $3.76 | $2.80 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $1,139,000 | $1,094,000 | $1,098,000 | $1,151,000 |
| Diluted Average Shares | $8,291,901 | $8,258,857 | $8,230,892 | $8,204,769 |
| Basic Average Shares | $8,243,285 | $8,218,846 | $8,193,874 | $8,169,305 |
| Diluted NI Availto Com Stockholders | $23,913,000 | $24,948,000 | $30,848,000 | $22,902,000 |
| Tax Provision | $6,737,000 | $7,244,000 | $9,458,000 | $6,787,000 |
| Gain On Sale Of Security | $-4,000 | $114,000 | $156,000 | $0 |
| Selling General And Administration | $30,839,000 | $28,640,000 | $26,109,000 | $23,045,000 |
| Salaries And Wages | $30,839,000 | $28,640,000 | $26,109,000 | $23,045,000 |
| Occupancy And Equipment | $4,744,000 | $4,610,000 | $4,541,000 | $4,151,000 |
| Total Unusual Items | - | - | - | - |
| Total Unusual Items Excluding Goodwill | - | - | - | - |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-17
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $204,662,000 | $180,046,000 | $162,619,000 | $123,068,000 |
| Total Assets | $2,023,116,000 | $1,900,604,000 | $1,842,422,000 | $1,968,346,000 |
| Goodwill And Other Intangible Assets | $3,313,000 | $3,390,000 | $3,473,000 | $3,558,000 |
| Receivables | $8,878,000 | $8,559,000 | $8,386,000 | $7,930,000 |
| Accounts Receivable | $3,510,000 | $3,268,000 | $2,866,000 | $2,465,000 |
| Cash And Cash Equivalents | $203,099,000 | $138,481,000 | $180,068,000 | $415,803,000 |
| Cash Cash Equivalents And Federal Funds Sold | $239,240,000 | $175,036,000 | $222,524,000 | $434,869,000 |
| Prepaid Assets | - | - | - | $1,537,000 |
| Cash Financial | - | - | - | $415,803,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,815,141,000 | $1,717,168,000 | $1,676,330,000 | $1,841,720,000 |
| Payables And Accrued Expenses | - | - | - | $27,423,000 |
| Payables | - | - | - | $27,423,000 |
| Accounts Payable | - | - | - | $27,423,000 |
| Equity | ||||
| Common Stock Equity | $207,975,000 | $183,436,000 | $166,092,000 | $126,626,000 |
| Total Equity Gross Minority Interest | $207,975,000 | $183,436,000 | $166,092,000 | $126,626,000 |
| Stockholders Equity | $207,975,000 | $183,436,000 | $166,092,000 | $126,626,000 |
| Gains Losses Not Affecting Retained Earnings | $-18,672,000 | $-23,700,000 | $-19,156,000 | $-30,727,000 |
| Other Equity Adjustments | $-18,672,000 | $-23,700,000 | $-19,156,000 | $-30,727,000 |
| Retained Earnings | $194,393,000 | $175,502,000 | $154,301,000 | $126,728,000 |
| Long Term Equity Investment | $16,032,000 | $12,417,000 | $13,684,000 | $14,582,000 |
| Other | ||||
| Ordinary Shares Number | $8,388,221 | $8,357,211 | $8,293,168 | $8,257,894 |
| Share Issued | $8,388,221 | $8,357,211 | $8,293,168 | $8,257,894 |
| Tangible Book Value | $204,662,000 | $180,046,000 | $162,619,000 | $123,068,000 |
| Additional Paid In Capital | $6,819,000 | $6,199,000 | $5,512,000 | $5,190,000 |
| Capital Stock | $25,435,000 | $25,435,000 | $25,435,000 | $25,435,000 |
| Common Stock | $25,435,000 | $25,435,000 | $25,435,000 | $25,435,000 |
| Investments And Advances | $562,988,000 | $542,082,000 | $534,894,000 | $545,010,000 |
| Available For Sale Securities | $337,101,000 | $3,169,000 | $3,132,000 | $2,990,000 |
| Net PPE | $26,286,000 | $22,982,000 | $22,718,000 | $23,055,000 |
| Accumulated Depreciation | $-14,624,000 | $-13,331,000 | $-12,202,000 | $-11,016,000 |
| Gross PPE | $40,910,000 | $36,313,000 | $34,920,000 | $34,071,000 |
| Leases | $5,556,000 | $5,465,000 | $5,417,000 | $5,357,000 |
| Construction In Progress | $302,000 | $2,641,000 | $1,494,000 | $239,000 |
| Other Properties | $7,239,000 | $6,663,000 | $6,853,000 | $7,755,000 |
| Machinery Furniture Equipment | $6,600,000 | $5,382,000 | $5,087,000 | $4,735,000 |
| Buildings And Improvements | $15,701,000 | $10,967,000 | $10,874,000 | $10,790,000 |
| Land And Improvements | $5,512,000 | $5,195,000 | $5,195,000 | $5,195,000 |
| Other Short Term Investments | $209,855,000 | $526,496,000 | $518,078,000 | $527,438,000 |
| Treasury Shares Number | - | - | $0 | - |
Fetched: 2026-06-17
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $24,559,000 | $23,857,000 | $31,165,000 | $21,616,000 |
| Operating Activities | ||||
| Operating Cash Flow | $28,667,000 | $25,636,000 | $33,059,000 | $22,806,000 |
| Cash Flow From Continuing Operating Activities | $28,667,000 | $25,636,000 | $33,059,000 | $22,806,000 |
| Operating Gains Losses | $4,000 | $-114,000 | $-156,000 | - |
| Investing Activities | ||||
| Capital Expenditure | $-4,108,000 | $-1,779,000 | $-1,894,000 | $-1,190,000 |
| Investing Cash Flow | $-57,205,000 | $-114,704,000 | $-79,504,000 | $-376,176,000 |
| Cash Flow From Continuing Investing Activities | $-57,205,000 | $-114,704,000 | $-79,504,000 | $-376,176,000 |
| Net Other Investing Changes | $1,078,000 | $-5,329,000 | $-1,220,000 | $257,000 |
| Financing Activities | ||||
| Financing Cash Flow | $91,966,000 | $41,251,000 | $-166,620,000 | $4,736,000 |
| Cash Flow From Continuing Financing Activities | $91,966,000 | $41,251,000 | $-166,620,000 | $4,736,000 |
| Net Other Financing Charges | $-284,000 | $-158,000 | $-211,000 | $-121,000 |
| Cash Dividends Paid | $-5,022,000 | $-3,747,000 | $-2,646,000 | $-2,474,000 |
| Common Stock Dividend Paid | $-5,022,000 | $-3,747,000 | $-2,646,000 | $-2,474,000 |
| Other | ||||
| Repayment Of Debt | $-35,000 | $-35,000 | $-1,855,000 | $0 |
| Issuance Of Debt | $35,000 | $35,000 | $1,855,000 | $0 |
| Interest Paid Supplemental Data | $13,280,000 | $12,747,000 | $4,715,000 | $1,119,000 |
| Income Tax Paid Supplemental Data | $5,080,000 | $6,385,000 | $10,449,000 | $3,910,000 |
| End Cash Position | $232,179,000 | $168,751,000 | $216,568,000 | $429,633,000 |
| Beginning Cash Position | $168,751,000 | $216,568,000 | $429,633,000 | $778,267,000 |
| Changes In Cash | $63,428,000 | $-47,817,000 | $-213,065,000 | $-348,634,000 |
| Net Issuance Payments Of Debt | $0 | $0 | $0 | $0 |
| Net Long Term Debt Issuance | $0 | $0 | $0 | $0 |
| Long Term Debt Payments | $-35,000 | $-35,000 | $-1,855,000 | $0 |
| Long Term Debt Issuance | $35,000 | $35,000 | $1,855,000 | $0 |
| Net Investment Purchase And Sale | $-16,898,000 | $-19,823,000 | $24,319,000 | $-319,602,000 |
| Sale Of Investment | $48,678,000 | $88,532,000 | $65,453,000 | $40,558,000 |
| Purchase Of Investment | $-65,576,000 | $-108,355,000 | $-41,134,000 | $-360,160,000 |
| Net PPE Purchase And Sale | $-4,108,000 | $-1,779,000 | $-1,894,000 | $-1,190,000 |
| Purchase Of PPE | $-4,108,000 | $-1,779,000 | $-1,894,000 | $-1,190,000 |
| Change In Working Capital | $2,613,000 | $623,000 | $-556,000 | $-1,573,000 |
| Change In Other Current Assets | $788,000 | $1,980,000 | $454,000 | $2,110,000 |
| Change In Payables And Accrued Expense | $-159,000 | $914,000 | $-1,411,000 | $875,000 |
| Change In Payable | $-159,000 | $914,000 | $-1,411,000 | $875,000 |
| Change In Account Payable | $-159,000 | $914,000 | $-1,411,000 | $875,000 |
| Change In Receivables | $-320,000 | $-173,000 | $-456,000 | $-3,872,000 |
| Changes In Account Receivables | $-320,000 | $-173,000 | $-456,000 | $-3,872,000 |
| Other Non Cash Items | $-1,386,000 | $-1,052,000 | $-788,000 | $-749,000 |
| Stock Based Compensation | $904,000 | $845,000 | $533,000 | $622,000 |
| Unrealized Gain Loss On Investment Securities | $-133,000 | $74,000 | $-41,000 | $475,000 |
| Amortization Of Securities | $808,000 | $838,000 | $1,151,000 | $1,328,000 |
| Depreciation Amortization Depletion | $1,139,000 | $1,094,000 | $1,098,000 | $1,151,000 |
| Depreciation And Amortization | $1,139,000 | $1,094,000 | $1,098,000 | $1,151,000 |
| Depreciation | $1,139,000 | $1,094,000 | $1,098,000 | $1,151,000 |
| Net Income From Continuing Operations | $23,913,000 | $24,948,000 | $30,848,000 | $22,902,000 |
Fetched: 2026-06-17