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Oak Valley Bancorp [Ca]
(NASDAQ:OVLY)
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Rating:71Outperform
Price Target:
$38.00
â–²(11.54% Upside)
Action:Reiterated
Date:10/24/26
OVLY scores well primarily on financial strength and profitability (strong margins, conservative leverage profile, and decent cash conversion), supported by a reasonable valuation and dividend yield. The overall score is held back by cooling growth/profitability versus the 2023 peak and a largely neutral technical picture with limited momentum.
Positive Factors
Conservative balance sheet
Zero reported debt and a 0.0 debt-to-equity ratio materially reduce financial risk and preserve flexibility for a community bank. Continued equity growth provides a stronger capital buffer, supporting resilience through credit cycles and the ability to fund future lending without relying heavily on leverage.
Negative Factors
Cooling revenue and earnings
The shift from prior growth to declining recent revenue shows that earnings momentum has weakened, while lower profit versus the 2023 peak indicates normalization in operating performance. If this persists, slower growth could limit capital formation and reduce the bank’s ability to expand earnings over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Zero reported debt and a 0.0 debt-to-equity ratio materially reduce financial risk and preserve flexibility for a community bank. Continued equity growth provides a stronger capital buffer, supporting resilience through credit cycles and the ability to fund future lending without relying heavily on leverage.
Read all positive factors
Oak Valley Bancorp [Ca] (OVLY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$288.47M
Dividend Yield2.19%
Average Volume (3M)16.18K
Price to Earnings (P/E)12.2
Beta (1Y)0.55
Revenue Growth1.39%
EPS Growth-1.91%
CountryUS
Employees245
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.84
Shares Outstanding8,412,708
10 Day Avg. Volume13,090
30 Day Avg. Volume16,184
Financial Highlights & Ratios
PEG Ratio-2.25
Price to Book (P/B)1.19
Price to Sales (P/S)3.03
P/FCF Ratio10.09
Enterprise Value/Market Cap0.47
Enterprise Value/Revenue1.57
Enterprise Value/Gross Profit1.65
Enterprise Value/Ebitda4.42
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Oak Valley Bancorp [Ca] Business Overview & Revenue Model
Company Description
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 op...
Oak Valley Bancorp [Ca] Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
82
Very Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 87.16M | 81.73M | 89.45M | 87.30M | 66.77M | 55.23M |
| Gross Profit | 82.55M | 80.92M | 78.21M | 81.46M | 67.00M | 54.90M |
| EBITDA | 30.85M | 31.79M | 33.29M | 41.40M | 30.84M | 22.82M |
| Net Income | 23.45M | 23.91M | 24.95M | 30.85M | 22.90M | 16.34M |
Balance Sheet | ||||||
| Total Assets | 2.00B | 2.02B | 1.90B | 1.84B | 1.97B | 1.96B |
| Cash, Cash Equivalents and Short-Term Investments | 730.10M | 412.95M | 213.55M | 698.15M | 943.24M | 998.22M |
| Total Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Liabilities | 1.78B | 1.82B | 1.72B | 1.68B | 1.84B | 1.82B |
| Stockholders Equity | 217.03M | 207.97M | 183.44M | 166.09M | 126.63M | 142.61M |
Cash Flow | ||||||
| Free Cash Flow | 25.61M | 24.56M | 23.86M | 31.16M | 21.62M | 10.21M |
| Operating Cash Flow | 26.79M | 28.67M | 25.64M | 33.06M | 22.81M | 11.19M |
| Investing Cash Flow | -77.14M | -57.20M | -114.70M | -79.50M | -376.18M | 103.76M |
| Financing Cash Flow | 46.30M | 91.97M | 41.25M | -166.62M | 4.74M | 436.66M |
Oak Valley Bancorp [Ca] Technical Analysis
Positive
34.07
Price Trends
34.13
Positive
33.77
Positive
33.11
Positive
Market Momentum
-0.02
Negative
53.71
Neutral
70.86
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OVLY, the sentiment is Positive. The current price of 34.07 is above the 20-day moving average (MA) of 33.92, below the 50-day MA of 34.13, and above the 200-day MA of 33.11, indicating a bullish trend. The MACD of -0.02 indicates Negative momentum. The RSI at 53.71 is Neutral, neither overbought nor oversold. The STOCH value of 70.86 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OVLY.
Oak Valley Bancorp [Ca] Risk Analysis
Oak Valley Bancorp [Ca] disclosed 45 risk factors in its most recent earnings report. Oak Valley Bancorp [Ca] reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Oak Valley Bancorp [Ca] Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $405.34M | 11.20 | 11.74% | 3.44% | 42.39% | 1119.11% | |
72 Outperform | $297.17M | 11.77 | 12.11% | 2.30% | 5.24% | 1.64% | |
72 Outperform | $306.04M | 11.31 | 10.27% | 1.59% | 4.48% | 27.37% | |
71 Outperform | $288.47M | 12.20 | 11.19% | 2.19% | 1.39% | -1.91% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $277.43M | 13.84 | 8.04% | 2.02% | 6.09% | 41.66% |
* Financial Sector Average
OVLY
Oak Valley Bancorp [Ca]
34.29
7.45
27.77%
FUNC
First United
46.03
10.93
31.15%
NWFL
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37.18
11.45
44.51%
WNEB
Western New England Bancorp
13.84
2.76
24.89%
FVCB
FVCBankcorp
16.97
4.67
38.02%
FBLA
FB Bancorp, Inc.
17.20
5.19
43.21%
Oak Valley Bancorp [Ca] Corporate Events
Business Operations and StrategyFinancial Disclosures
Oak Valley Bancorp Reports Solid Third-Quarter 2026 Results
Positive
Oct 23, 2026
Oak Valley Bancorp reported unaudited third-quarter 2026 results showing consolidated net income of $6.45 million, or $0.77 per diluted share, up from $5.11 million in the prior quarter but slightly below the $6.69 million earned a year earlier. F...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.