30.93 USD
+0.5 (+1.64%)
OVLY gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 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.
1. Profitability
1.1 Basic Checks
- In the past year OVLY was profitable.
- In the past year OVLY had a positive cash flow from operations.
- In the past 5 years OVLY has always been profitable.
- OVLY had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- OVLY has a better Return On Assets (1.18%) than 74.67% of its industry peers.
- OVLY's Return On Equity of 11.90% is amongst the best of the industry. OVLY outperforms 80.94% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 11.9% | ||
| 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
1.3 Margins
- With a decent Profit Margin value of 29.58%, OVLY is doing good in the industry, outperforming 77.81% of the companies in the same industry.
- OVLY's Profit Margin has improved in the last couple of years.
- The Operating Margin and Gross Margin are not available for OVLY so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 29.58% | ||
| 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
2. Health
2.1 Basic Checks
- OVLY does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, OVLY has more shares outstanding
- The number of shares outstanding for OVLY has been increased compared to 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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.79%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for OVLY have decreased by -5.36% in the last year.
- Measured over the past years, OVLY shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.42% on average per year.
- OVLY shows a small growth in Revenue. In the last year, the Revenue has grown by 3.56%.
- 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)-5.36%
EPS 3Y14.74%
EPS 5Y14.42%
EPS Q2Q%-9%
Revenue 1Y (TTM)3.56%
Revenue growth 3Y12.17%
Revenue growth 5Y10.7%
Sales Q2Q%8.56%
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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 10.85, the valuation of OVLY can be described as very reasonable.
- Compared to the rest of the industry, the Price/Earnings ratio of OVLY indicates a somewhat cheap valuation: OVLY is cheaper than 73.89% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.54, OVLY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.85 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- The rest of the industry has a similar Price/Free Cash Flow ratio as OVLY.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.64 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.75
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.97%, OVLY has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.90, OVLY is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.92, OVLY has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.97% |
5.2 History
- On average, the dividend of OVLY grows each year by 10.80%, which is quite nice.
- OVLY has been paying a dividend for at least 10 years, so it has 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
5.3 Sustainability
- 21.29% of the earnings are spent on dividend by OVLY. This is a low number and sustainable payout ratio.
- The dividend of OVLY is growing, but earnings are growing more, so the dividend growth is sustainable.
DP21.29%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:OVLY (1/15/2026, 8:05:46 PM)
30.93
+0.5 (+1.64%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-16 2025-10-16
Earnings (Next)01-16 2026-01-16
Inst Owners31.88%
Inst Owner Change0%
Ins Owners12.29%
Ins Owner Change-0.12%
Market Cap259.50M
Revenue(TTM)79.72M
Net Income(TTM)23.59M
Analysts0
Price TargetN/A
Short Float %0.61%
Short Ratio3.57
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.97% |
Yearly Dividend0.45
Dividend Growth(5Y)10.8%
DP21.29%
Div Incr Years10
Div Non Decr Years10
Ex-DateN/A
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.85 | ||
| Fwd PE | N/A | ||
| P/S | 3.26 | ||
| P/FCF | 12.64 | ||
| P/OCF | 10.4 | ||
| P/B | 1.31 | ||
| P/tB | 1.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.85
EY9.21%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.45
FCFY7.91%
OCF(TTM)2.97
OCFY9.61%
SpS9.5
BVpS23.63
TBVpS23.24
PEG (NY)N/A
PEG (5Y)0.75
Graham Number38.93
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 11.9% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.58% | ||
| GM | N/A | ||
| FCFM | 25.74% |
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
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 331.41% | ||
| Cap/Sales | 5.55% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 87.02% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC8.79%
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)-5.36%
EPS 3Y14.74%
EPS 5Y14.42%
EPS Q2Q%-9%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.56%
Revenue growth 3Y12.17%
Revenue growth 5Y10.7%
Sales Q2Q%8.56%
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-49.01%
FCF growth 3Y32.35%
FCF growth 5Y8.55%
OCF growth 1Y-41.07%
OCF growth 3Y31.52%
OCF growth 5Y8.3%
OAK VALLEY BANCORP / OVLY FAQ
What is the fundamental rating for OVLY stock?
ChartMill assigns a fundamental rating of 4 / 10 to OVLY.
Can you provide the valuation status for OAK VALLEY BANCORP?
ChartMill assigns a valuation rating of 2 / 10 to OAK VALLEY BANCORP (OVLY). This can be considered as Overvalued.
How profitable is OAK VALLEY BANCORP (OVLY) stock?
OAK VALLEY BANCORP (OVLY) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for OVLY stock?
The Price/Earnings (PE) ratio for OAK VALLEY BANCORP (OVLY) is 10.85 and the Price/Book (PB) ratio is 1.31.
Is the dividend of OAK VALLEY BANCORP sustainable?
The dividend rating of OAK VALLEY BANCORP (OVLY) is 6 / 10 and the dividend payout ratio is 21.29%.