OAK VALLEY BANCORP (OVLY) Fundamental Analysis & Valuation

NASDAQ:OVLY • US6718071052

Current stock price

34.56 USD
+0.55 (+1.62%)
At close:
34.56 USD
0 (0%)
After Hours:

This OVLY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. OVLY Profitability Analysis

1.1 Basic Checks

  • OVLY had positive earnings in the past year.
  • OVLY had a positive operating cash flow in the past year.
  • OVLY had positive earnings in each of the past 5 years.
  • OVLY had a positive operating cash flow in 4 of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

1.2 Ratios

  • OVLY has a better Return On Assets (1.18%) than 72.37% of its industry peers.
  • OVLY's Return On Equity of 11.90% is fine compared to the rest of the industry. OVLY outperforms 78.16% of its industry peers.
Industry RankSector Rank
ROA 1.18%
ROE 11.9%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
OVLY Yearly ROA, ROE, ROICOVLY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • OVLY has a better Profit Margin (29.58%) than 72.89% of its industry peers.
  • In the last couple of years the Profit Margin of OVLY has remained more or less at the same level.
  • 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) 29.58%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.7%
PM growth 5Y1.25%
GM growth 3YN/A
GM growth 5YN/A
OVLY Yearly Profit, Operating, Gross MarginsOVLY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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4

2. OVLY Health Analysis

2.1 Basic Checks

  • OVLY does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

  • 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.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC8.93%
OVLY Yearly LT Debt VS Equity VS FCFOVLY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. OVLY Growth Analysis

3.1 Past

  • The earnings per share for OVLY have decreased by -4.53% in the last year.
  • The Earnings Per Share has been growing by 11.41% on average over the past years. This is quite good.
  • Looking at the last year, OVLY shows a small growth in Revenue. The Revenue has grown by 6.71% in the last year.
  • Measured over the past years, OVLY shows a quite strong growth in Revenue. The Revenue has been growing by 10.42% on average per year.
EPS 1Y (TTM)-4.53%
EPS 3Y1.09%
EPS 5Y11.41%
EPS Q2Q%5.11%
Revenue 1Y (TTM)6.71%
Revenue growth 3Y7.58%
Revenue growth 5Y10.42%
Sales Q2Q%10.41%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

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2

4. OVLY Valuation Analysis

4.1 Price/Earnings Ratio

  • OVLY is valuated correctly with a Price/Earnings ratio of 12.00.
  • OVLY's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of OVLY to the average of the S&P500 Index (26.91), we can say OVLY is valued rather cheaply.
Industry RankSector Rank
PE 12
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as OVLY.
Industry RankSector Rank
P/FCF 14.13
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)1.05
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. OVLY Dividend Analysis

5.1 Amount

  • OVLY has a Yearly Dividend Yield of 2.36%. Purely for dividend investing, there may be better candidates out there.
  • OVLY's Dividend Yield is slightly below the industry average, which is at 2.73.
  • OVLY's Dividend Yield is a higher than the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.36%

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 Years11
Div Non Decr Years11
OVLY Yearly Dividends per shareOVLY Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

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 around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP21.29%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
OVLY Dividend Payout.OVLY Dividend Payout, showing the Payout Ratio.OVLY Dividend Payout.PayoutRetained Earnings

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OVLY Fundamentals: All Metrics, Ratios and Statistics

OAK VALLEY BANCORP

NASDAQ:OVLY (4/9/2026, 8:00:03 PM)

After market: 34.56 0 (0%)

34.56

+0.55 (+1.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23
Earnings (Next)04-17
Inst Owners32.66%
Inst Owner Change0%
Ins Owners12.48%
Ins Owner Change0.53%
Market Cap289.96M
Revenue(TTM)81.73M
Net Income(TTM)23.59M
Analysts0
Price TargetN/A
Short Float %0.7%
Short Ratio2.41
Dividend
Industry RankSector Rank
Dividend Yield 2.36%
Yearly Dividend0.45
Dividend Growth(5Y)10.8%
DP21.29%
Div Incr Years11
Div Non Decr Years11
Ex-Date02-02
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 12
Fwd PE N/A
P/S 3.64
P/FCF 14.13
P/OCF 11.62
P/B 1.46
P/tB 1.49
EV/EBITDA N/A
EPS(TTM)2.88
EY8.33%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.45
FCFY7.08%
OCF(TTM)2.97
OCFY8.6%
SpS9.5
BVpS23.63
TBVpS23.24
PEG (NY)N/A
PEG (5Y)1.05
Graham Number39.13
Profitability
Industry RankSector 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)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3Y-5.7%
PM growth 5Y1.25%
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 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
WACC8.93%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-4.53%
EPS 3Y1.09%
EPS 5Y11.41%
EPS Q2Q%5.11%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.71%
Revenue growth 3Y7.58%
Revenue growth 5Y10.42%
Sales Q2Q%10.41%
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 1Y8.3%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y24.01%
OCF growth 3YN/A
OCF growth 5YN/A

OAK VALLEY BANCORP / OVLY Fundamental Analysis 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.


What is the profitability of OVLY stock?

OAK VALLEY BANCORP (OVLY) has a profitability rating of 4 / 10.


What is the financial health of OAK VALLEY BANCORP (OVLY) stock?

The financial health rating of OAK VALLEY BANCORP (OVLY) is 4 / 10.