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OAK VALLEY BANCORP

OVLYNASDAQ
πŸ† #2971 by market capEarnings Oct 28US Equity
$33.36β–² $0.16 (+0.48%)
πŸŒ… Pre-market$33.36β–² 0.00%Regular close Β· extended-hours price shown
1hβ€”
24hβ–² 0.5%
7dβ–Ό 0.4%
14dβ–Ό 1.6%
30dβ–Ό 2.1%
1yβ–² 23.2%
🏦Market Cap
$281M
Small Cap
πŸ“ˆRevenue Growth (YoY)
β€”
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
β€”
βš–οΈP/S Ratio
β€”
Otter Score
53
Weak

Trading Snapshot

Day Range
$32.99 – $33.93
52-Week Range
$25.41 – $35.97
Volume
$2.00B
Avg Volume
$1.50B
Shares Outstanding
8.4M
Next Earnings
Sep 1, 2026

Fundamentals Snapshot

Annual Revenue
$82M
Last Q Revenue
$21M
P/E Ratio
11.9
P/S Ratio
β€”
EPS (TTM)
$2.82
Dividend Yield
2.04%

Why Investors Own OVLY

  • βœ“High-growth profile β€” revenue up +38.4% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 42% gross margin and 30% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$82Mβ–² +36.5% YoY
Gross Margin (TTM)
42.2%β–² +1.8% YoY
Operating Income (TTM)
$19Mβ–² +36.5% YoY
Free Cash Flow (TTM)
$24Mβ–² +36.5% YoY

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

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
53/100

Analyst Price Target

β“˜
Average Target
$34.05
β–² +2.1% Upside
High Target$41.20
Low Target$29.38
Based on 38 analysts

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