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OAK VALLEY BANCORP

OVLYNASDAQ
πŸ† #3315 by market capUS Equity
$34.48β–² $0.26 (+0.76%)
Market closed Β· at close
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24hβ–² 0.8%
7dβ–² 2.0%
14dβ–² 2.0%
30dβ–² 2.4%
ytdβ–² 13.9%
1yβ–² 23.6%
🏦Market Cap
$290M
Small Cap
πŸ“ˆRevenue Growth (YoY)
-8.6%
Declining
πŸ“ŠGross Margin
98.3%
High
πŸ’΅FCF Margin
18.6%
Healthy
βš–οΈP/S Ratio
3.4x
Fair
Otter Score
64
Fair

Trading Snapshot

Day Range
$33.65 – $34.91
52-Week Range
$27.00 – $35.97
Volume (shares)
14,637
Avg Volume (shares)
β€”
Shares Outstanding
8.4M
Next Earnings
β€”

Fundamentals Snapshot

Annual Revenue
$82M
Last Q Revenue
$21M
P/E Ratio
12.3
P/S Ratio
3.4x
EPS (TTM)
$2.80
Dividend Yield
2.18%
Dilution (1yr)
+0.3%
OVLY logo

OAK VALLEY BANCORP

OVLY
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$82Mβ–Ό βˆ’8.6% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
99.0%β–² +13.2% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$31Mβ–Ό βˆ’4.8% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$25Mβ–² +2.9% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
8.3Mβ–² +0.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$203Mβ–² +$65M YoY
StockOtter Β· stockotter.space

About OAK VALLEY BANCORP

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. The institution's financial products encompass various deposit options, including checking, savings, money market, health savings accounts (HSAs), individual retirement accounts (IRAs), and certificates of deposit (CDs). For its lending activities, the bank extends financing for commercial real estate, general business operations, trade activities, and also facilitates Small Business Administration (SBA) loans. On the consumer side, loan offerings include vehicle financing, home mortgages, revolving lines of credit, and diverse personal loan solutions. Beyond these core services, the company provides a suite of conveniences such as online and mobile banking, remote deposit capture, merchant services, night depository facilities, extended operating hours, wire transfers, and note collection, complemented by automated teller machines. As of December 31, 2021, Oak Valley Bancorp's operational footprint included seventeen full-service branch offices across various Californian cities, specifically Oakdale, Sonora, Bridgeport, Bishop, Mammoth Lakes, Modesto, Manteca, Patterson, Turlock, Tracy, Ripon, Stockton, Escalon, and Sacramento. Founded in 1990, the company's corporate headquarters are situated in Oakdale, California.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
64/100
Analyst data unavailable.

Latest News & Updates

Zacks Investment ResearchΒ·2d ago

OVLY's Q3 Earnings Fall Y/Y on Lower Fee Income, Higher Costs

Oak Valley Bancorp's Q3 earnings per share declines year over year as higher operating expenses and lower non-interest income offset growth in net interest income and margin expansion.

GlobeNewsWireΒ·8d ago

Oak Valley Bancorp Reports 3rd Quarter Results

OAKDALE, Calif., Oct. 21, 2026 (GLOBE NEWSWIRE) -- Oak Valley Bancorp (NASDAQ: OVLY) (the "Company"), the bank holding company for Oak Valley Community Bank and their Eastern Sierra Community Bank division, recently repo

Zacks Investment ResearchΒ·8d ago

OVLY's Loan Growth and Strong Capital Offset Rising Costs

Oak Valley Bancorp's loan growth, rising net interest income, solid capital position and diversified revenues support its banking performance and growth prospects.

Defense WorldΒ·17d ago

First Business Financial Services (NASDAQ:FBIZ) versus Oak Valley Bancorp (NASDAQ:OVLY) Head to Head Comparison

Oak Valley Bancorp (NASDAQ: OVLY - Get Free Report) and First Business Financial Services (NASDAQ: FBIZ - Get Free Report) are both small-cap finance companies, but which is the superior investment? We will contrast the

Defense WorldΒ·23d ago

Contrasting Oak Valley Bancorp (NASDAQ:OVLY) and Glacier Bancorp (NYSE:GBCI)

Glacier Bancorp (NYSE: GBCI - Get Free Report) and Oak Valley Bancorp (NASDAQ: OVLY - Get Free Report) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength

Defense WorldΒ·Sep 24

Bankwell Financial Group (NASDAQ:BWFG) & Oak Valley Bancorp (NASDAQ:OVLY) Head to Head Comparison

Bankwell Financial Group (NASDAQ: BWFG - Get Free Report) and Oak Valley Bancorp (NASDAQ: OVLY - Get Free Report) are both small-cap finance companies, but which is the superior business? We will compare the two business