A Business at a Glance
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Oak Valley Bancorp
OVLY
$271M
Mkt Cap
$32.61
+1.08%
Oak Valley Bancorp (OVLY) has a current P/E ratio of 11.5, compared to its historical median P/E of 9.5. The stock is currently considered Fair based on its historical valuation range.
Oak Valley Bancorp (OVLY) has a 5-year average return on invested capital (ROIC) of 15.3%. This indicates strong capital allocation and a potential competitive advantage.
Oak Valley Bancorp (OVLY) has a market capitalization of $271M. It is classified as a small-cap stock.
Yes, Oak Valley Bancorp (OVLY) pays a dividend with a trailing twelve-month yield of 1.85%.
Based on historical P/E analysis, Oak Valley Bancorp (OVLY) appears fair. The current P/E of 11.5 is 21% above its historical median of 9.5. The estimated fair value CAGR (P/E method) is 15.5%.
Oak Valley Bancorp (OVLY) operates in the State Commercial Banks industry, within the Financials sector.
Oak Valley Bancorp (OVLY) reported annual revenue of $95 million in its most recent fiscal year, based on SEC EDGAR filings.
Overview of the Business Oak Valley Bancorp. Oak Valley Bancorp (the “Company”) serves as the parent bank holding company of Oak Valley Community Bank (the “Bank”), a California state-chartered bank. The Bank and the Company may be generally referred to as “we”, “us” or “our”). The Company was incorporated under the laws of the State of California on May 31, 1990, and began operations in Oakdale, California on May 28, 1991. The Company’s only assets are the outstanding capital stock of the Bank, which the Company wholly owns, cash and income tax benefits receivable classified as other assets. Oak Valley Community Bank. The Bank commenced operations in May 1991. The Bank is an insured bank under the Federal Deposit Insurance Act and is a member of the Federal Reserve.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 95M | 95M | 89M | 87M | 67M | 55M |
| Net Income | 24M | 24M | 25M | 31M | 23M | 16M |
| EPS | $2.88 | $2.88 | $3.02 | $3.75 | $2.79 | $2.00 |
| Free Cash Flow | 25M | 25M | 24M | 31M | 22M | 10M |
| ROIC | 11.5% | 12.2% | 14.3% | 21.1% | 17.0% | 12.0% |
| Gross Margin | 0.0% | 0.0% | - | - | - | - |
| Debt/Equity | 0.00 | 8.73 | 9.36 | 10.09 | 14.54 | 12.77 |
| Dividends/Share | $0.60 | $0.60 | $0.45 | $0.32 | $0.30 | $0.29 |
| Operating Income | 2.4M | 2.4M | 1.9M | 2.1M | 1.4M | 1.4M |
| Operating Margin | 2.6% | 2.6% | 2.2% | 2.4% | 2.1% | 2.6% |
| ROE | 11.5% | 12.2% | 14.3% | 21.1% | 17.0% | 12.0% |
| Shares Outstanding | 8M | 8M | 8M | 8M | 8M | 8M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 30M | 30M | 37M | 41M | 45M | 48M | 51M | 55M | 67M | 87M | 89M | 95M | 95M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | 0.0% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 11M | 12M | 14M | 14M | 16M | 17M | 18M | 20M | 23M | 26M | 29M | 31M | 31M |
| EBIT | 1.6M | 2.1M | 2.4M | 2.2M | 1.1M | 1.3M | 1.3M | 1.4M | 1.4M | 2.1M | 1.9M | 2.4M | 2.4M |
| Op. Margin | 5.5% | 6.9% | 6.4% | 5.2% | 2.4% | 2.7% | 2.6% | 2.6% | 2.1% | 2.4% | 2.2% | 2.6% | 2.6% |
| Net Income | 7.1M | 4.9M | 7.7M | 9.1M | 12M | 12M | 14M | 16M | 23M | 31M | 25M | 24M | 24M |
| Net Margin | 24.0% | 16.3% | 20.9% | 22.1% | 25.7% | 26.2% | 26.9% | 29.6% | 34.3% | 35.3% | 27.9% | 25.2% | 25.2% |
| Non-Recurring | 3K | 5K | 4K | 109K | 2K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 10.2% | 6.4% | 9.5% | 10.5% | 12.2% | 11.8% | 11.3% | 12.0% | 17.0% | 21.1% | 14.3% | 12.2% | 11.5% |
| ROE | 10.2% | 6.4% | 9.5% | 10.5% | 12.2% | 11.8% | 11.3% | 12.0% | 17.0% | 21.1% | 14.3% | 12.2% | 11.5% |
| ROA | 1.0% | 0.6% | 0.8% | 0.9% | 1.1% | 1.1% | 1.0% | 0.9% | 1.2% | 1.6% | 1.3% | 1.2% | 1.2% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 7.4M | 4.3M | 9.9M | 9.4M | 14M | 17M | 19M | 11M | 23M | 33M | 26M | 29M | 29M |
| Free Cash Flow | 5.9M | 2.9M | 9.2M | 7.2M | 13M | 16M | 18M | 10M | 22M | 31M | 24M | 25M | 25M |
| Owner Earnings | 6.0M | 2.8M | 8.4M | 8.2M | 13M | 16M | 17M | 9.3M | 21M | 31M | 23M | 26M | 26M |
| CapEx | 1.6M | 1.4M | 663K | 2.2M | 1.6M | 1.4M | 1.7M | 978K | 1.2M | 1.9M | 1.8M | 4.1M | 4.1M |
| Maint. CapEx | 1.2M | 1.2M | 1.3M | 1.1M | 1.2M | 1.1M | 1.2M | 1.3M | 1.3M | 1.3M | 1.3M | 1.4M | 1.4M |
| Growth CapEx | 382K | 211K | 0 | 1.1M | 459K | 292K | 541K | 0 | 0 | 565K | 454K | 2.7M | 2.7M |
| D&A | 1.2M | 1.2M | 1.3M | 1.1M | 1.2M | 1.1M | 1.2M | 1.3M | 1.3M | 1.3M | 1.3M | 1.4M | 1.4M |
| CapEx/OCF | 21.0% | 32.9% | 6.7% | 23.3% | 11.4% | 8.0% | 9.0% | 8.7% | 5.2% | 5.7% | 6.9% | N/A | 14.3% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 1.3M | 1.7M | 1.9M | 2.0M | 2.1M | 2.2M | 2.3M | 2.4M | 2.5M | 2.6M | 3.7M | 5.0M | 5.0M |
| Dividend Yield | 2.0% | 2.6% | 2.8% | 1.9% | 1.4% | 1.7% | 2.1% | 1.8% | 1.8% | 1.3% | 1.8% | N/A | 1.9% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | 0.0% |
| Stock-Based Comp | 271K | 261K | 256K | 103K | 431K | 549K | 549K | 581K | 622K | 533K | 845K | 904K | 904K |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.9M | 35K | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -232M |
| Cash & Equiv. | 144M | 191M | 191M | 149M | 126M | 148M | 227M | 778M | 430M | 217M | 169M | 232M | 232M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | 8.99 | 10.46 | 11.15 | 10.40 | 10.06 | 9.20 | 10.65 | 12.77 | 14.54 | 10.09 | 9.36 | 8.73 | 0.00 |
| Interest Coverage | 2.5 | 3.4 | 3.1 | 2.0 | 0.7 | 0.8 | 1.2 | 1.5 | 1.3 | 0.4 | 0.2 | 0.0 | 0.2 |
| Equity | 75M | 78M | 82M | 91M | 99M | 113M | 130M | 143M | 127M | 166M | 183M | 208M | 208M |
| Total Assets | 750M | 897M | 1.0B | 1.0B | 1.1B | 1.1B | 1.5B | 2.0B | 2.0B | 1.8B | 1.9B | 2.0B | 2.0B |
| Total Liabilities | 675M | 819M | 920M | 944M | 996M | 1.0B | 1.4B | 1.8B | 1.8B | 1.7B | 1.7B | 1.8B | 1.8B |
| Intangibles | N/A | N/A | N/A | 743K | 3.7M | 524K | 427K | 334K | 245K | 160K | 77K | 0 | 0 |
| Retained Earnings | 46M | 49M | 55M | 61M | 71M | 81M | 92M | 106M | 127M | 154M | 176M | 194M | 194M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | 0.89 | 0.61 | 0.95 | 1.13 | 1.42 | 1.54 | 1.68 | 2.00 | 2.79 | 3.75 | 3.02 | 2.88 | 2.88 |
| Owner EPS | 0.75 | 0.35 | 1.04 | 1.02 | 1.58 | 1.92 | 2.15 | 1.14 | 2.54 | 3.79 | 2.84 | 3.18 | 3.18 |
| Book Value | 9.38 | 9.73 | 10.22 | 11.28 | 12.19 | 13.88 | 15.92 | 17.46 | 15.43 | 20.19 | 22.21 | 25.05 | 25.05 |
| Cash Flow/Share | 0.93 | 0.54 | 1.23 | 1.17 | 1.78 | 2.12 | 2.36 | 1.37 | 2.78 | 4.02 | 3.10 | 3.45 | 3.05 |
| Dividends/Share | 0.16 | 0.21 | 0.24 | 0.25 | 0.26 | 0.27 | 0.28 | 0.29 | 0.30 | 0.32 | 0.45 | 0.60 | 0.60 |
| Shares Out. | 8.0M | 8.0M | 8.1M | 8.0M | 8.1M | 8.1M | 8.1M | 8.2M | 8.2M | 8.2M | 8.3M | 8.3M | 8.3M |
| Valuation | |||||||||||||
| P/E Ratio | 9.2 | 13.7 | 11.2 | 14.9 | 11.2 | 11.4 | 9.2 | 8.0 | 7.5 | 7.7 | 9.5 | N/A | 11.3 |
| P/FCF | 11.2 | 23.2 | 9.3 | 18.8 | 10.1 | 9.0 | 7.2 | 12.9 | 8.0 | 7.6 | 9.9 | N/A | 11.0 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15.9 |
| Price/Book | 0.9 | 0.9 | 1.0 | 1.5 | 1.3 | 1.3 | 1.0 | 0.9 | 1.4 | 1.4 | 1.3 | N/A | 1.3 |
| Price/Sales | 2.2 | 2.2 | 1.9 | 2.6 | 3.4 | 2.8 | 2.2 | 2.4 | 2.1 | 2.4 | 2.7 | N/A | 2.8 |
| FCF Yield | 8.9% | 4.3% | 10.8% | 5.3% | 9.9% | 11.2% | 13.9% | 7.8% | 12.6% | 13.1% | 10.1% | N/A | 9.1% |
| Market Cap | 66M | 67M | 86M | 136M | 129M | 142M | 126M | 131M | 172M | 237M | 237M | 0 | 271M |
| Avg. Price | 8.05 | 8.15 | 8.52 | 13.21 | 17.98 | 16.14 | 13.48 | 16.06 | 17.13 | 24.04 | 24.99 | 0.00 | 32.61 |
| Year-End Price | 8.22 | 8.36 | 10.60 | 16.85 | 15.86 | 17.48 | 15.41 | 16.06 | 20.97 | 28.82 | 28.70 | 0.00 | 32.61 |
Oak Valley Bancorp passes 3 of 9 quality checks, indicating weak fundamentals.
Oak Valley Bancorp trades at 11.5x trailing earnings, compared to its 15-year median P/E of 9.5x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 13.3x vs a median of 9.3x. The company's 5-year average ROIC is 15.3%. Total shareholder yield (dividends) is 1.9%. At current prices, the estimated annualized return to fair value is +10.3%.
Oak Valley Bancorp (OVLY) has a net profit margin of 25.2%. This is a strong margin indicating high profitability.
Oak Valley Bancorp (OVLY) generated $25 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Oak Valley Bancorp (OVLY) has a debt-to-equity ratio of 8.73. This indicates higher leverage, which may increase financial risk.
Oak Valley Bancorp (OVLY) reported earnings per share (EPS) of $2.88 in its most recent fiscal year.
Oak Valley Bancorp (OVLY) has a return on equity (ROE) of 12.2%. This indicates moderate shareholder returns.
The Ledger Terminal provides 16 years of financial data for Oak Valley Bancorp (OVLY), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Oak Valley Bancorp (OVLY) has a book value per share of $25.05, based on its most recent annual SEC filing.