Valuation dashboard for Oak Valley Bancorp (OVLY) with P/E 12.02, P/B 1.30, EV/EBITDA 4.79 and dividend yield 2.20%. DCF, Graham Number and Earnings Power Value models plus sector comparison against other Financial Services companies.
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%.
At the current price of $34.25, OVLY trades at a P/E of 12.02 and an ROE of 11.31%. Market capitalisation stands at $288M.
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.
Valuation Ratios
| P/E Ratio | 12.02 |
| Price / Book | 1.30 |
| EV / EBITDA | 4.79 |
| Dividend Yield | 2.20% |
Valuation Models
| DCF Fair Value | $90.36 |
| vs Current Price | +163.8% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| OVLY | Oak Valley Bancorp | $288M | 12.02 | 1.30 | 11.3% |
| 0O84.L | DNB Bank ASA | $485.9B | |||
| MFG | Mizuho Financial Group, Inc. | $133.2B | 15.07 | 1.79 | 12.3% |
| HDB | HDFC Bank Limited | $116.2B | 13.52 | 1.76 | |
| IBN | ICICI Bank Limited | $100.9B | 17.19 | 2.54 | 15.7% |
| SBID.L | State Bank of India | $97.5B | |||
| 0KEF.L | The PNC Financial Services Group, Inc. | $93.1B | 12.80 | 1.47 | 12.3% |
| PNC | The PNC Financial Services Group, Inc. | $92.6B | 13.13 | 1.51 |
Price
| Price | $34.25 |
| Market Cap | $288M |
| Exchange | NASDAQ |
| Country | US |
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% |
Related companies: CFFI · FDBC · FSFG · FUNC · FVCB · HWBK · ISTR
Explore sector: Financial Services · Banks - Regional
More sections of OVLY: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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