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Oak Valley Bancorp

Data quality: 83%
OVLY
Nasdaq Financial Services Depository Institutions
$34.56
▲ $0.55 (1.62%)
Mkt Cap: 290.77 M
Price
$34.56
Mkt Cap
290.77 M
Day Range
$34.10 — $34.78
52-Week Range
$23.19 — $34.78
Volume
15,428
Open $34.19
50D / 200D Avg
$32.51
6.31% above
50D / 200D Avg
$29.34
17.79% above

Quick Summary

Key Takeaways

ROE of 12.45% — decent returns on equity
Generating 24.56 M in free cash flow
P/E of 12.16 — trading at a low valuation
Cash machine — converts 102.70% of earnings into free cash flow

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)-4.15%
FCF Growth (3Y)-11.23%

Quality

Return on Equity
12.45%
Above sector avg (9.24%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
12.16
Above sector avg (11.15)
P/B Ratio1.47
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2144 peers)
Metric Stock Sector Median
P/E 12.2 11.1
P/B 1.5 1.2
ROE % 12.5 9.2
Net Margin % — 9.4
Rev Growth 5Y % — 5.8
D/E — 0.5

ETFs Holding This Stock

BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.04% weight
GSSC logo GSSC Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF
0.03% weight
AVUV logo AVUV Avantis U.S. Small Cap Value ETF
0.00% weight
AVSC logo AVSC Avantis U.S. Small Cap Equity ETF
0.00% weight
AVUS logo AVUS Avantis U.S. Equity ETF
0.00% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) -4.15% Earnings Growth (3Y) -11.96%
Revenue Growth (5Y) N/A Earnings Growth (5Y) 9.99%
Profitability
Revenue (TTM) N/A Net Income (TTM) 23.91 M
ROE 12.45% ROA 1.22%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 24.56 M
ROIC N/A FCF Growth (3Y) -11.23%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 198.28 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 12.16 Forward P/E N/A
P/B Ratio 1.47 P/S Ratio N/A
PEG Ratio 1.22 Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 8.45%
Market Cap 290.77 M Enterprise Value 43.61 M
Per Share
EPS (Diluted TTM) 2.88 Revenue / Share N/A
FCF / Share 2.92 OCF / Share 3.41
EPS CAGR (1Y) -4.64% EPS CAGR (5Y) 9.54%
EPS CAGR (10Y) 13.11%
Efficiency
CapEx / Revenue N/A FCF Conversion 102.70%
SBC-Adj. FCF 23.69 M Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue — — — — —
Net Income 23.91 M 24.95 M 30.85 M 22.90 M 16.34 M
EPS (Diluted) 2.88 3.02 3.75 2.79 2.00
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — —
Interest Expense 74.62 M 70.03 M 4.86 M 1.12 M 971,000.0
Income Tax 6.74 M 7.24 M 9.46 M 6.79 M 5.34 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 2.02 B 1.90 B 1.84 B 1.97 B 1.96 B
Total Liabilities 1.82 B 1.72 B 1.68 B 1.84 B 1.82 B
Shareholders' Equity 207.98 M 183.44 M 166.09 M 126.63 M 142.61 M
Total Debt — — — — —
Cash & Equivalents 232.18 M 168.75 M 216.57 M 429.63 M 778.27 M
Current Assets — — — — —
Current Liabilities — — — — —