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Oak valley bancorpOVLY.US Overview

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OVLY Recent Performance

1.06%

Oak valley bancorp

1.79%

Avg of Sector

-0.31%

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OVLY Key Information

OVLY Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

OVLY Profile

Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank that provides a range of commercial banking services to individuals and small to medium-sized businesses in the Central Valley and the Eastern Sierras. The company's deposits products include checking and savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. It also offers commercial real estate loans, commercial business lending and trade finance, and small business administration lending, as well as consumer loans consisting of automobile loans, home mortgage loans, revolving lines of credit, and other personal loans. In addition, the company provides online banking, remote deposit capture, mobile banking, merchant, night depository, extended hours, wire transfer of funds, and note collection services, as well as automated teller machines. As of December 31, 2021, it operated through seventeen full-service branch offices in Oakdale, Sonora, Bridgeport, Bishop, Mammoth Lakes, Modesto, Manteca, Patterson, Turlock, Tracy, Ripon, Stockton, Escalon, California, and Sacramento. The company was incorporated in 1990 and is headquartered in Oakdale, California.

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OVLY FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

OVLY Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
2.85
PE Ratio (TTM)
10.29
Forward PE
-
PS Ratio (TTM)
3.32
PB Ratio
1.33
Price-to-FCF
11.64
METRIC
VALUE
vs. INDUSTRY
Gross Margin
98.94%
Net Margin
29.24%
Revenue Growth (YoY)
4.58%
Profit Growth (YoY)
3.47%
3-Year Revenue Growth
-1.23%
3-Year Profit Growth
-2.58%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
2.85
PE Ratio (TTM)
10.29
Forward PE
-
PS Ratio (TTM)
3.32
PB Ratio
1.33
Price-to-FCF
11.64
Gross Margin
98.94%
Net Margin
29.24%
Revenue Growth (YoY)
4.58%
Profit Growth (YoY)
3.47%
3-Year Revenue Growth
-1.23%
3-Year Profit Growth
-2.58%

  • When is OVLY's latest earnings report released?

    The most recent financial report for Oak valley bancorp (OVLY) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating OVLY's short-term business performance and financial health. For the latest updates on OVLY's earnings releases, visit this page regularly.

  • Where does OVLY fall in the P/E River chart?

    According to historical valuation range analysis, Oak valley bancorp (OVLY)'s current price-to-earnings (P/E) ratio is 9.79, placing it in the Overvalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of OVLY?

    According to the latest financial report, Oak valley bancorp (OVLY) reported an Operating Profit of 8.15M with an Operating Margin of 38.32% this period, representing a growth of 5.53% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is OVLY's revenue growth?

    In the latest financial report, Oak valley bancorp (OVLY) announced revenue of 21.28M, with a Year-Over-Year growth rate of 10.41%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does OVLY have?

    At the end of the period, Oak valley bancorp (OVLY) held Total Cash and Cash Equivalents of 247.16M, accounting for 0.12 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does OVLY go with three margins increasing?

    In the latest report, Oak valley bancorp (OVLY) achieved the “three margins increasing” benchmark, with a gross margin of 95.94%%, operating margin of 38.32%%, and net margin of 29.77%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess OVLY's profit trajectory and future growth potential.

  • Is OVLY's EPS continuing to grow?

    According to the past four quarterly reports, Oak valley bancorp (OVLY)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.77. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of OVLY?

    Oak valley bancorp (OVLY)'s Free Cash Flow (FCF) for the period is 6.35M, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 27.43% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of OVLY?

    The latest valuation data shows Oak valley bancorp (OVLY) has a Price-To-Earnings (PE) ratio of 9.79 and a Price/Earnings-To-Growth (PEG) ratio of -1.98. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.