Oak Valley Bancorp [Ca] (OVLY)
NASDAQ:OVLY
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Oak Valley Bancorp [Ca]
(NASDAQ:OVLY)
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Rating:72Outperform
Price Target:
$37.00
â–²(22.48% Upside)
Action:Reiterated
Date:05/15/26
The score is driven primarily by strong financial quality (high profitability and a conservatively positioned, no-debt balance sheet), partially offset by slowing revenue/ROE momentum. Technical signals are mostly neutral with slightly negative momentum, while valuation is supportive with a moderate P/E and a ~2% dividend yield.
Positive Factors
Conservative balance sheet
A zero-debt balance sheet and rising shareholders' equity materially reduce funding and solvency risk for OVLY. This conservatism enhances resilience through rate cycles, supports regulatory capital ratios, and gives management durable flexibility to absorb losses or fund organic growth without external borrowing.
Negative Factors
Slowing revenue momentum
A declining revenue trend signals weaker top-line momentum, which can cap loan growth and limit fee income expansion. Over months this constrains the bank’s ability to grow core earnings, increases reliance on margin improvement to sustain ROE, and reduces strategic flexibility for investments.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
A zero-debt balance sheet and rising shareholders' equity materially reduce funding and solvency risk for OVLY. This conservatism enhances resilience through rate cycles, supports regulatory capital ratios, and gives management durable flexibility to absorb losses or fund organic growth without external borrowing.
Read all positive factors
Oak Valley Bancorp [Ca] (OVLY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$283.20M
Dividend Yield1.99%
Average Volume (3M)13.12K
Price to Earnings (P/E)11.8
Beta (1Y)0.62
Revenue Growth6.08%
EPS Growth-2.72%
CountryUS
Employees225
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.90
Shares Outstanding8,413,458
10 Day Avg. Volume9,026
30 Day Avg. Volume13,119
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 Cap0.43
Enterprise Value/Revenue1.35
Enterprise Value/Gross Profit1.48
Enterprise Value/Ebitda3.92
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 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 compa...
How the Company Makes Money
Oak Valley Bancorp primarily makes money through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income. Net interest income is typically the largest revenue stream for a community bank: the bank collects i...
Oak Valley Bancorp [Ca] Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
86
Very Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 89.67M | 81.73M | 89.45M | 87.30M | 66.77M | 55.23M |
| Gross Profit | 81.82M | 80.92M | 78.21M | 81.46M | 67.00M | 54.90M |
| EBITDA | 30.93M | 30.65M | 33.29M | 41.40M | 30.84M | 22.82M |
| Net Income | 23.93M | 23.91M | 24.95M | 30.85M | 22.90M | 16.34M |
Balance Sheet | ||||||
| Total Assets | 2.01B | 2.02B | 1.90B | 1.84B | 1.97B | 1.96B |
| Cash, Cash Equivalents and Short-Term Investments | 155.55M | 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 | 1.80B | 1.82B | 1.72B | 1.68B | 1.84B | 1.82B |
| Stockholders Equity | 206.15M | 207.97M | 183.44M | 166.09M | 126.63M | 142.61M |
Cash Flow | ||||||
| Free Cash Flow | 25.78M | 24.56M | 23.86M | 31.16M | 21.62M | 10.21M |
| Operating Cash Flow | 28.76M | 28.67M | 25.64M | 33.06M | 22.81M | 11.19M |
| Investing Cash Flow | -97.84M | -57.20M | -114.70M | -79.50M | -376.18M | 103.76M |
| Financing Cash Flow | 61.39M | 91.97M | 41.25M | -166.62M | 4.74M | 436.66M |
Oak Valley Bancorp [Ca] Technical Analysis
Positive
30.21
Price Trends
33.47
Positive
32.85
Positive
30.48
Positive
Market Momentum
0.05
Negative
58.46
Neutral
55.75
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 30.21 is below the 20-day moving average (MA) of 33.27, below the 50-day MA of 33.47, and below the 200-day MA of 30.48, indicating a bullish trend. The MACD of 0.05 indicates Negative momentum. The RSI at 58.46 is Neutral, neither overbought nor oversold. The STOCH value of 55.75 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 | $256.06M | 10.15 | 12.70% | 2.38% | 6.69% | 11.73% | |
72 Outperform | $283.20M | 11.81 | 11.99% | 1.99% | 6.08% | -2.72% | |
69 Neutral | $288.49M | 12.50 | 9.25% | 0.87% | 4.74% | 24.29% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $329.23M | 10.97 | 10.43% | 4.21% | 37.90% | 2989.42% | |
56 Neutral | $265.65M | 15.03 | 7.25% | 2.18% | 7.20% | 66.27% |
* Financial Sector Average
OVLY
Oak Valley Bancorp [Ca]
34.21
8.06
30.82%
FUNC
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39.72
10.74
37.05%
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30.79
6.07
24.54%
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Western New England Bancorp
13.34
4.23
46.40%
FVCB
FVCBankcorp
16.23
5.02
44.79%
FBLA
FB Bancorp, Inc.
14.08
3.03
27.42%
Oak Valley Bancorp [Ca] Corporate Events
Business Operations and StrategyFinancial Disclosures
Oak Valley Bancorp Reports Stable First-Quarter 2026 Earnings
Neutral
Apr 23, 2026
Oak Valley Bancorp reported unaudited first-quarter 2026 net income of $5.31 million, or $0.64 per diluted share, essentially flat versus a year earlier but down from $6.34 million in the fourth quarter of 2025 as higher operating expenses and sli...
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.