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OAK VALLEY BANCORP (OVLY) Stock Fundamental Analysis

USA - NASDAQ:OVLY - US6718071052 - Common Stock

26.96 USD
-0.04 (-0.15%)
Last: 10/8/2025, 8:07:19 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to OVLY. OVLY was compared to 392 industry peers in the Banks industry. OVLY has an average financial health and profitability rating. OVLY has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

In the past year OVLY was profitable.
OVLY had a positive operating cash flow in the past year.
Each year in the past 5 years OVLY has been profitable.
Each year in the past 5 years OVLY had a positive operating cash flow.
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

Looking at the Return On Assets, with a value of 1.26%, OVLY belongs to the top of the industry, outperforming 82.40% of the companies in the same industry.
The Return On Equity of OVLY (13.03%) is better than 86.73% of its industry peers.
Industry RankSector Rank
ROA 1.26%
ROE 13.03%
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

Looking at the Profit Margin, with a value of 31.03%, OVLY belongs to the top of the industry, outperforming 83.67% of the companies in the same industry.
In the last couple of years the Profit Margin of OVLY has grown nicely.
The Operating Margin and Gross Margin are not available for OVLY so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 31.03%
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.
The number of shares outstanding for OVLY has been increased compared to 1 year ago.
OVLY has more shares outstanding than it did 5 years ago.
OVLY has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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
WACC8.78%
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

The earnings per share for OVLY have decreased by -2.93% in the last year.
The Earnings Per Share has been growing by 14.42% on average over the past years. This is quite good.
The Revenue has been growing slightly by 0.09% in the past year.
OVLY shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.70% yearly.
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

OVLY is valuated reasonably with a Price/Earnings ratio of 9.20.
Based on the Price/Earnings ratio, OVLY is valued cheaper than 85.46% of the companies in the same industry.
When comparing the Price/Earnings ratio of OVLY to the average of the S&P500 Index (27.91), we can say OVLY is valued rather cheaply.
Industry RankSector Rank
PE 9.2
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 69.39% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.86
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)0.64
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%.
OVLY's Dividend Yield is slightly below the industry average, which is at 3.59.
OVLY's Dividend Yield is comparable with the S&P500 average which is at 2.44.
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 been paying a dividend for at least 10 years, so it has a reliable track record.
OVLY has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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 18.12% of its income as dividend. This is a sustainable payout ratio.
OVLY's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP18.12%
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 (10/8/2025, 8:07:19 PM)

26.96

-0.04 (-0.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-18 2025-07-18
Earnings (Next)10-16 2025-10-16
Inst Owners32.41%
Inst Owner Change0%
Ins Owners12.3%
Ins Owner Change0.15%
Market Cap225.92M
Analysts0
Price TargetN/A
Short Float %0.55%
Short Ratio3.12
Dividend
Industry RankSector Rank
Dividend Yield 2.18%
Yearly Dividend0.45
Dividend Growth(5Y)10.8%
DP18.12%
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 9.2
Fwd PE N/A
P/S 2.89
P/FCF 9.86
P/OCF 8.45
P/B 1.22
P/tB 1.24
EV/EBITDA N/A
EPS(TTM)2.93
EY10.87%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.74
FCFY10.15%
OCF(TTM)3.19
OCFY11.83%
SpS9.31
BVpS22.17
TBVpS21.77
PEG (NY)N/A
PEG (5Y)0.64
Profitability
Industry RankSector Rank
ROA 1.26%
ROE 13.03%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.03%
GM N/A
FCFM 29.37%
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 288.07%
Cap/Sales 4.89%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 94.66%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC8.78%
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-38.76%
FCF growth 3Y32.35%
FCF growth 5Y8.55%
OCF growth 1Y-32.71%
OCF growth 3Y31.52%
OCF growth 5Y8.3%