Demonstrações financeiras detalhadas de Oak Valley Bancorp (OVLY): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Oak Valley Bancorp registou receitas de $81.7M no último exercício, com um CAGR de 5 anos de 9.9%. O lucro líquido atingiu $23.9M, com CAGR de 5 anos de 11.8%.
Margens dos últimos 12 meses: margem bruta 94.7%, margem operacional 34.3%, margem líquida 26.9%. O fluxo de caixa livre cresceu a CAGR de 7.0% em 5 anos.
Ao preço atual de $34.37, OVLY negocia a um P/L de 12.07 e um ROE de 11.31%. A capitalização de mercado é de $289M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $36.7M | $41.2M | $44.9M | $47.6M | $50.9M | $55.2M | $66.8M | $87.3M | $89.4M | $81.7M |
| Custo da Receita | $1.2M | $1.4M | $2.2M | $2.1M | $3.3M | $336000 | -$231000 | $5.8M | $11.2M | $805000 |
| Lucro Bruto | $35.5M | $39.8M | $42.7M | $45.5M | $47.6M | $54.9M | $67.0M | $81.5M | $78.2M | $80.9M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $13.6M | $14.1M | $16.3M | $17.4M | $18.0M | $20.2M | $23.0M | $26.1M | $28.6M | $30.8M |
| Despesas Operacionais | $24.3M | $24.6M | $27.4M | $28.8M | $29.9M | $33.2M | $37.3M | $41.2M | $46.0M | $50.3M |
| Lucro Operacional | $11.1M | $15.2M | $15.3M | $16.7M | $17.7M | $21.7M | $29.7M | $40.3M | $32.2M | $30.6M |
| EBITDA | $12.4M | $16.4M | $16.5M | $17.8M | $18.9M | $22.8M | $30.8M | $41.4M | $33.3M | $31.8M |
| Despesas com Juros | $764000 | $1.1M | $1.6M | $1.6M | $1.2M | $971000 | $1.1M | $4.9M | $12.9M | $13.3M |
| Lucro Antes de Impostos | $11.1M | $15.2M | $15.3M | $16.7M | $17.7M | $21.7M | $29.7M | $40.3M | $32.2M | $30.6M |
| Imposto | $3.5M | $6.1M | $3.8M | $4.2M | $4.1M | $5.3M | $6.8M | $9.5M | $7.2M | $6.7M |
| Lucro Líquido | $7.7M | $9.1M | $11.5M | $12.5M | $13.7M | $16.3M | $22.9M | $30.8M | $24.9M | $23.9M |
| LPA | $0.95 | $1.13 | $1.43 | $1.54 | $1.68 | $2.01 | $2.80 | $3.76 | $3.04 | $2.90 |
| LPA Diluído | $0.95 | $1.13 | $1.42 | $1.54 | $1.68 | $2.00 | $2.79 | $3.75 | $3.02 | $2.88 |
| Ações em Circulação (Diluídas) | $8.1M | $8.0M | $8.1M | $8.1M | $8.1M | $8.2M | $8.2M | $8.2M | $8.3M | $8.3M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $24.5M | $21.3M | $20.8M | $20.6M |
| Lucro Bruto | $21.2M | $20.4M | $20.3M | $20.6M |
| Lucro Operacional | $8.5M | $8.2M | $6.8M | $6.4M |
| EBITDA | $8.8M | $8.5M | $7.1M | $6.4M |
| Lucro Líquido | $6.7M | $6.3M | $5.3M | $5.1M |
| LPA | $0.81 | $0.77 | $0.64 | $0.62 |
| LPA Diluído | $0.81 | $0.76 | $0.64 | $0.61 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $179.0M | $143.0M | $116.4M | $133.8M | $193.6M | $735.3M | $415.8M | $180.1M | $138.5M | $203.1M |
| Investimentos de Curto Prazo | $160.3M | $179.2M | $206.7M | $190.1M | $217.2M | $262.9M | $527.4M | $518.1M | $75.1M | $209.9M |
| Contas a Receber | $2.8M | $3.2M | $3.8M | $3.5M | $5.7M | $4.1M | $7.9M | $8.4M | $8.6M | $3.5M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $343.3M | $328.2M | $326.9M | $328.7M | $417.5M | $1.00B | $952.7M | $706.5M | $222.1M | $416.5M |
| Imobilizado | $13.7M | $14.5M | $14.9M | $19.5M | $20.4M | $22.0M | $23.1M | $22.7M | $23.0M | $26.3M |
| Ágio | $3.3M | $3.3M | 0 | 0 | $3.3M | $3.3M | $3.3M | $3.3M | $3.3M | $3.3M |
| Ativos Intangíveis | $872000 | $743000 | $3.9M | $3.8M | $427000 | $334000 | $245000 | $160000 | $77000 | 0 |
| Ativos Totais | $1.00B | $1.03B | $1.09B | $1.15B | $1.51B | $1.96B | $1.97B | $1.84B | $1.90B | $2.02B |
| Contas a Pagar | $5.6M | $5.2M | $9.4M | $15.3M | $14.0M | $14.9M | $27.4M | 0 | 0 | 0 |
| Dívida de Curto Prazo | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Passivos Circulantes | $919.7M | $944.1M | $995.8M | $1.04B | $1.38B | $1.82B | $1.84B | $1.65B | $1.70B | $1.79B |
| Dívida de Longo Prazo | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Passivos Totais | $919.7M | $944.1M | $995.8M | $1.04B | $1.38B | $1.82B | $1.84B | $1.68B | $1.72B | $1.82B |
| Reservas | $54.5M | $61.4M | $70.7M | $81.0M | $92.3M | $106.3M | $126.7M | $154.3M | $175.5M | $194.4M |
| Patrimônio Líquido | $82.5M | $90.8M | $99.0M | $112.6M | $129.7M | $142.6M | $126.6M | $166.1M | $183.4M | $208.0M |
| Dívida Total | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida Líquida | -$339.4M | -$322.2M | -$323.1M | -$323.9M | -$410.7M | -$998.2M | -$943.2M | -$698.1M | -$213.6M | -$413.0M |
| Capital de Giro | -$576.4M | -$615.9M | -$669.0M | -$706.6M | -$964.3M | -$818.6M | -$889.0M | -$944.0M | -$1.47B | -$1.38B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $225.5M | $203.1M | $155.6M | $144.8M |
| Ativos Totais | $2.00B | $2.02B | $2.01B | $2.00B |
| Passivos Totais | $1.80B | $1.82B | $1.80B | $1.78B |
| Patrimônio Líquido | $198.3M | $208.0M | $206.2M | $217.0M |
| Dívida Total | 0 | 0 | 0 | 0 |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $7.7M | $9.1M | $11.5M | $12.5M | $13.7M | $16.3M | $22.9M | $30.8M | $24.9M | $23.9M |
| Depreciação e Amortização | $1.3M | $1.1M | $1.2M | $1.1M | $1.2M | $1.1M | $1.2M | $1.1M | $1.1M | $1.1M |
| Compensação em Ações | $256000 | $103000 | $431000 | $549000 | $549000 | $581000 | $622000 | $533000 | $845000 | $904000 |
| Variação Capital de Giro | $243000 | -$884000 | $396000 | $2.4M | $1.8M | -$5.9M | -$1.6M | -$556000 | $623000 | $2.6M |
| Fluxo de Caixa Operacional | $9.9M | $9.4M | $14.4M | $17.2M | $19.2M | $11.2M | $22.8M | $33.1M | $25.6M | $28.7M |
| CapEx | -$663000 | -$2.2M | -$1.6M | -$1.4M | -$1.7M | -$978000 | -$1.2M | -$1.9M | -$1.8M | -$4.1M |
| Aquisições | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | 0 | 0 | 0 | 0 | -$110000 | 0 | -$121000 | -$211000 | -$158000 | 0 |
| Dividendos Pagos | -$1.9M | -$2.0M | -$2.1M | -$2.2M | -$2.3M | -$2.4M | -$2.5M | -$2.6M | -$3.7M | -$5.0M |
| Fluxo de Caixa Livre | $9.2M | $7.2M | $12.8M | $15.8M | $17.5M | $10.2M | $21.6M | $31.2M | $23.9M | $24.6M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $7.1M | $8.0M | $8.1M | $3.6M |
| CapEx | $2.8M | -$3.9M | -$212000 | $212000 |
| Fluxo de Caixa Livre | $9.9M | $4.0M | $7.8M | $3.8M |
| Dividendos Pagos | -$2.5M | 0 | -$3.1M | 0 |
| Compensação em Ações | $231000 | $238000 | $252000 | 0 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +12.3% | +8.9% | +6.2% | +6.9% | +8.5% | +20.9% | +30.8% | +2.5% | -8.6% |
| Crescimento Lucro Líquido (anual) | | +18.6% | +26.9% | +8.3% | +9.6% | +19.4% | +40.2% | +34.7% | -19.1% | -4.1% |
| Crescimento LPA (anual) | | +18.9% | +26.5% | +7.7% | +9.1% | +19.6% | +39.3% | +34.3% | -19.1% | -4.6% |
| Variação de Ações (anual) | | -0.4% | +0.6% | +0.2% | +0.3% | +0.5% | +0.3% | +0.3% | +0.3% | +0.4% |
| Crescimento FCF (anual) | | -22.0% | +77.5% | +23.7% | +10.6% | -41.7% | +111.8% | +44.2% | -23.4% | +2.9% |
| Margem Bruta | 96.6% | 96.6% | 95.2% | 95.6% | 93.5% | 99.4% | 100.3% | 93.3% | 87.4% | 99.0% |
| Margem Operacional | 30.3% | 37.0% | 34.2% | 35.0% | 34.8% | 39.2% | 44.5% | 46.2% | 36.0% | 37.5% |
| Margem EBITDA | 33.8% | 39.7% | 36.8% | 37.3% | 37.2% | 41.3% | 46.2% | 47.4% | 37.2% | 38.9% |
| Margem Líquida | 20.9% | 22.1% | 25.7% | 26.2% | 26.9% | 29.6% | 34.3% | 35.3% | 27.9% | 29.3% |
| Margem FCF | 25.2% | 17.5% | 28.5% | 33.2% | 34.4% | 18.5% | 32.4% | 35.7% | 26.7% | 30.0% |
| Taxa Efetiva de Imposto | 31.2% | 40.3% | 24.8% | 25.2% | 22.9% | 24.6% | 22.9% | 23.5% | 22.5% | 22.0% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $1.14 | $0.90 | $1.58 | $1.95 | $2.15 | $1.25 | $2.63 | $3.79 | $2.89 | $2.96 |
| Dividendo por Ação | $0.24 | $0.25 | $0.26 | $0.27 | $0.28 | $0.29 | $0.30 | $0.32 | $0.45 | $0.61 |
| Ações em Circulação (Básicas) | $8.0M | $8.0M | $8.1M | $8.1M | $8.1M | $8.1M | $8.2M | $8.2M | $8.2M | $8.2M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 11.31% |
| Retorno sobre capital investido | 9.85% |
| Retorno sobre ativos | 1.17% |
| Margem bruta | 94.71% |
| Margem operacional | 34.33% |
| Margem líquida | 26.91% |
Saúde financeira
| Dívida / Patrimônio | 0.00 |
| Liquidez corrente | 0.09 |
| Piotroski F-Score | 5 |
| Altman Z-Score | -0.51 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 13.21 | 17.29 | 12.80 | 12.64 | 9.89 | 8.66 | 8.09 | 7.97 | 9.62 | 10.37 |
| P/VP | 1.22 | 1.73 | 1.49 | 1.40 | 1.04 | 0.99 | 1.46 | 1.48 | 1.31 | 1.19 |
| P/V | 2.75 | 3.81 | 3.29 | 3.31 | 2.65 | 2.57 | 2.77 | 2.81 | 2.69 | 3.03 |
| Margem Bruta | 96.6% | 96.6% | 95.2% | 95.6% | 93.5% | 99.4% | 100.3% | 93.3% | 87.4% | 99.0% |
| Margem Operacional | 30.3% | 37.0% | 34.2% | 35.0% | 34.8% | 39.2% | 44.5% | 46.2% | 36.0% | 37.5% |
| Margem Líquida | 20.9% | 22.1% | 25.7% | 26.2% | 26.9% | 29.6% | 34.3% | 35.3% | 27.9% | 29.3% |