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OAK VALLEY BANCORP (OVLY) Stock Fundamental Analysis

NASDAQ:OVLY - Nasdaq - US6718071052 - Common Stock - Currency: USD

26.39  -0.26 (-0.98%)

After market: 26.39 0 (0%)

Fundamental Rating

4

OVLY gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. OVLY has an average financial health and profitability rating. OVLY does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

OVLY had positive earnings in the past year.
OVLY had a positive operating cash flow in the past year.
In the past 5 years OVLY has always been profitable.
In the past 5 years OVLY always reported a positive cash flow from operatings.
OVLY Yearly Net Income VS EBIT VS OCF VS FCFOVLY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

1.2 Ratios

OVLY has a Return On Assets of 1.27%. This is amongst the best in the industry. OVLY outperforms 82.44% of its industry peers.
OVLY has a Return On Equity of 13.36%. This is amongst the best in the industry. OVLY outperforms 88.04% of its industry peers.
Industry RankSector Rank
ROA 1.27%
ROE 13.36%
ROIC N/A
ROA(3y)1.38%
ROA(5y)1.18%
ROE(3y)16.75%
ROE(5y)14.45%
ROIC(3y)N/A
ROIC(5y)N/A
OVLY Yearly ROA, ROE, ROICOVLY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

With an excellent Profit Margin value of 31.74%, OVLY belongs to the best of the industry, outperforming 85.50% of the companies in the same industry.
In the last couple of years the Profit Margin of OVLY has grown nicely.
OVLY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 31.74%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.66%
PM growth 5Y3.74%
GM growth 3YN/A
GM growth 5YN/A
OVLY Yearly Profit, Operating, Gross MarginsOVLY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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4

2. Health

2.1 Basic Checks

OVLY does not have a ROIC to compare to the WACC, probably because it is not profitable.
OVLY has more shares outstanding than it did 1 year ago.
OVLY has more shares outstanding than it did 5 years ago.
There is no outstanding debt for OVLY. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
OVLY Yearly Shares OutstandingOVLY Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
OVLY Yearly Total Debt VS Total AssetsOVLY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

OVLY has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC9.02%
OVLY Yearly LT Debt VS Equity VS FCFOVLY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
OVLY Yearly Current Assets VS Current LiabilitesOVLY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

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3

3. Growth

3.1 Past

OVLY shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.93%.
OVLY shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.42% yearly.
Looking at the last year, OVLY shows a small growth in Revenue. The Revenue has grown by 0.09% in the last year.
The Revenue has been growing by 10.70% on average over the past years. This is quite good.
EPS 1Y (TTM)-2.93%
EPS 3Y14.74%
EPS 5Y14.42%
EPS Q2Q%-5.53%
Revenue 1Y (TTM)0.09%
Revenue growth 3Y12.17%
Revenue growth 5Y10.7%
Sales Q2Q%4.23%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
OVLY Yearly Revenue VS EstimatesOVLY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.01, the valuation of OVLY can be described as reasonable.
86.51% of the companies in the same industry are more expensive than OVLY, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.82. OVLY is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.01
Fwd PE N/A
OVLY Price Earnings VS Forward Price EarningsOVLY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, OVLY is valued a bit cheaper than the industry average as 61.58% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.83
EV/EBITDA N/A
OVLY Per share dataOVLY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.62
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

OVLY has a Yearly Dividend Yield of 2.18%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.40, OVLY is paying slightly less dividend.
OVLY's Dividend Yield is comparable with the S&P500 average which is at 2.35.
Industry RankSector Rank
Dividend Yield 2.18%

5.2 History

The dividend of OVLY is nicely growing with an annual growth rate of 10.80%!
OVLY has paid a dividend for at least 10 years, which is a reliable track record.
OVLY has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)10.8%
Div Incr Years10
Div Non Decr Years10
OVLY Yearly Dividends per shareOVLY Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

OVLY pays out 17.90% of its income as dividend. This is a sustainable payout ratio.
The dividend of OVLY is growing, but earnings are growing more, so the dividend growth is sustainable.
DP17.9%
EPS Next 2YN/A
EPS Next 3YN/A
OVLY Yearly Income VS Free CF VS DividendOVLY Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
OVLY Dividend Payout.OVLY Dividend Payout, showing the Payout Ratio.OVLY Dividend Payout.PayoutRetained Earnings

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OAK VALLEY BANCORP

NASDAQ:OVLY (8/1/2025, 8:00:02 PM)

After market: 26.39 0 (0%)

26.39

-0.26 (-0.98%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-18 2025-07-18
Earnings (Next)10-16 2025-10-16
Inst Owners32.38%
Inst Owner Change-2.23%
Ins Owners14.13%
Ins Owner Change0.28%
Market Cap221.15M
Analysts0
Price TargetN/A
Short Float %0.54%
Short Ratio2.37
Dividend
Industry RankSector Rank
Dividend Yield 2.18%
Yearly Dividend0.45
Dividend Growth(5Y)10.8%
DP17.9%
Div Incr Years10
Div Non Decr Years10
Ex-Date07-28 2025-07-28 (0.3)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 9.01
Fwd PE N/A
P/S 2.86
P/FCF 9.83
P/OCF 8.73
P/B 1.21
P/tB 1.23
EV/EBITDA N/A
EPS(TTM)2.93
EY11.1%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.68
FCFY10.17%
OCF(TTM)3.02
OCFY11.45%
SpS9.22
BVpS21.9
TBVpS21.5
PEG (NY)N/A
PEG (5Y)0.62
Profitability
Industry RankSector Rank
ROA 1.27%
ROE 13.36%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.74%
GM N/A
FCFM 29.13%
ROA(3y)1.38%
ROA(5y)1.18%
ROE(3y)16.75%
ROE(5y)14.45%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.66%
PM growth 5Y3.74%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 212.67%
Cap/Sales 3.65%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 91.77%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC9.02%
ROIC/WACCN/A
Cap/Depr(3y)122.49%
Cap/Depr(5y)117.23%
Cap/Sales(3y)2.14%
Cap/Sales(5y)2.35%
Profit Quality(3y)97.01%
Profit Quality(5y)96.37%
High Growth Momentum
Growth
EPS 1Y (TTM)-2.93%
EPS 3Y14.74%
EPS 5Y14.42%
EPS Q2Q%-5.53%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.09%
Revenue growth 3Y12.17%
Revenue growth 5Y10.7%
Sales Q2Q%4.23%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-29.16%
FCF growth 3Y32.35%
FCF growth 5Y8.55%
OCF growth 1Y-23.23%
OCF growth 3Y31.52%
OCF growth 5Y8.3%