Oak Valley Bancorp (OVLY) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Oak Valley Bancorp, functioning as the parent entity for Oak Valley Community Bank, offers a comprehensive range of commercial banking services. These services are provided to both individual clients and small to mid-sized businesses, primarily operating within California's Central Valley and Eastern Sierras regions.
Analysis Summary
Oak Valley Bancorp reported revenue of $81.7M in the most recent fiscal year, growing at a 5-year CAGR of 9.9%. Net income reached $23.9M, with a 11.8% 5-year CAGR.
Trailing-twelve-month margins: gross margin 94.7%, operating margin 34.3%, net margin 26.9%. Free cash flow grew at 7.0% CAGR over 5 years.
At the current price of $34.37, OVLY trades at a P/E of 12.07 and an ROE of 11.31%. Market capitalisation stands at $289M.
Balance sheet quality for OVLY: current ratio of 0.2. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is strong: free cash flow of $24.6M represents 103% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $34.37 |
| Market Cap | $289M |
| Exchange | NASDAQ |
| Country | US |
Valuation Ratios
| P/E Ratio | 12.07 |
| Price / Book | 1.31 |
| EV / EBITDA | 4.79 |
| Dividend Yield | 2.19% |
Profitability
| Return on Equity | 11.31% |
| Return on Invested Capital | 9.85% |
| Return on Assets | 1.17% |
| Gross Margin | 94.71% |
| Operating Margin | 34.33% |
| Net Margin | 26.91% |
Financial Health
| Debt / Equity | 0.00 |
| Current Ratio | 0.09 |
| Piotroski F-Score | 5 |
| Altman Z-Score | -0.51 |
What to look at in Banking companies
- Efficiency Ratio (<=55%) — Operating expenses / revenue. Top banks below 55%.
- ROA (>=1%) — How much they earn per dollar of assets. ROE misleads in banks due to leverage.
- ROTCE (>=12%) — Return on Tangible Common Equity. Strips goodwill and intangibles.
- Equity / Assets (Tier 1 proxy) (>=8%) — Capital ratio proxy. FMP does not expose regulatory Tier 1 directly.
- P/B (1.0-1.5x) — Classic banking metric. <1x can be opportunity or distress.
- Sustainable dividend yield (>=2%, <8%) — EU banks pay 5-7% normally. >8% is distress signal.
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| OVLY | Oak Valley Bancorp | $289M | 12.07 | 1.31 | 11.3% |
| 0O84.L | DNB Bank ASA | $487.3B | |||
| MFG | Mizuho Financial Group, Inc. | $133.2B | 15.46 | 1.83 | 12.3% |
| HDB | HDFC Bank Limited | $119.7B | 13.92 | 1.82 | |
| IBN | ICICI Bank Limited | $100.7B | 16.85 | 2.49 | 15.7% |
| SBID.L | State Bank of India | $96.4B | |||
| 0KEF.L | The PNC Financial Services Group, Inc. | $94.3B | 12.97 | 1.49 | 12.3% |
| PNC | The PNC Financial Services Group, Inc. | $92.4B | 13.10 | 1.50 |
Price Performance
| 1 month | -0.35% |
| 3 months | +1.00% |
| Year-to-date | +14.34% |
| 1 year | +23.32% |
| 3 years | +34.89% |
52-Week Range
| 52-week High | $35.97 |
| 52-week Low | $25.41 |
| Avg Volume (90d) | 41K |
Dividend History
| Date | Amount | Yield |
|---|---|---|
| 2026-08-03 | $0.3750 | 4.36% |
| 2026-02-02 | $0.3750 | 4.36% |
| 2025-07-28 | $0.3000 | 3.49% |
| 2025-02-03 | $0.3000 | 3.49% |
| 2024-07-29 | $0.2250 | 2.62% |
| 2024-01-26 | $0.2250 | 2.62% |
| 2023-07-28 | $0.1600 | 1.86% |
| 2023-01-27 | $0.1600 | 1.86% |
| 2022-07-29 | $0.1500 | 1.75% |
| 2022-01-28 | $0.1500 | 1.75% |
Related companies: CFFI · FDBC · FSFG · FUNC · FVCB · HWBK · ISTR
Explore sector: Financial Services · Banks - Regional
More sections of OVLY: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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