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OAK VALLEY BANCORP (OVLY) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:OVLY - US6718071052 - Common Stock

28.2 USD
+0.54 (+1.95%)
Last: 12/9/2025, 8:22:17 PM
28.2 USD
0 (0%)
After Hours: 12/9/2025, 8:22:17 PM
Fundamental Rating

4

OVLY gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. Both the profitability and the financial health of OVLY get a neutral evaluation. Nothing too spectacular is happening here. OVLY is valued expensive and it does not seem to be growing.


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.
OVLY had positive earnings in each of the past 5 years.
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

Looking at the Return On Assets, with a value of 1.26%, OVLY belongs to the top of the industry, outperforming 80.62% of the companies in the same industry.
OVLY has a better Return On Equity (13.03%) than 87.08% 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

The Profit Margin of OVLY (31.03%) is better than 82.95% of its industry peers.
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 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.
Compared to 5 years ago, OVLY has more shares outstanding
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
WACC8.81%
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 -5.36% 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 3.56% in the past year.
Measured over the past years, OVLY shows a quite strong growth in Revenue. The Revenue has been growing by 10.70% on average per year.
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.
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

The Price/Earnings ratio is 9.89, which indicates a very decent valuation of OVLY.
Based on the Price/Earnings ratio, OVLY is valued cheaper than 81.14% of the companies in the same industry.
When comparing the Price/Earnings ratio of OVLY to the average of the S&P500 Index (26.29), we can say OVLY is valued rather cheaply.
Industry RankSector Rank
PE 9.89
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

63.82% of the companies in the same industry are more expensive than OVLY, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 10.32
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)0.69
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 2.14%.
Compared to an average industry Dividend Yield of 3.11, OVLY is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.31, OVLY has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.14%

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.
The dividend of OVLY is growing, but earnings are growing more, so the dividend growth is 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 (12/9/2025, 8:22:17 PM)

After market: 28.2 0 (0%)

28.2

+0.54 (+1.95%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-16 2025-10-16
Earnings (Next)01-22 2026-01-22
Inst Owners31.87%
Inst Owner Change-1.79%
Ins Owners12.29%
Ins Owner Change-0.12%
Market Cap236.60M
Revenue(TTM)79.72M
Net Income(TTM)24.22M
Analysts0
Price TargetN/A
Short Float %0.63%
Short Ratio4.58
Dividend
Industry RankSector Rank
Dividend Yield 2.14%
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 9.89
Fwd PE N/A
P/S 3.03
P/FCF 10.32
P/OCF 8.85
P/B 1.27
P/tB 1.3
EV/EBITDA N/A
EPS(TTM)2.85
EY10.11%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.73
FCFY9.69%
OCF(TTM)3.19
OCFY11.3%
SpS9.3
BVpS22.15
TBVpS21.75
PEG (NY)N/A
PEG (5Y)0.69
Graham Number37.68
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
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 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
WACC8.81%
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-38.76%
FCF growth 3Y32.35%
FCF growth 5Y8.55%
OCF growth 1Y-32.71%
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.


What is the valuation status for OVLY stock?

ChartMill assigns a valuation rating of 3 / 10 to OAK VALLEY BANCORP (OVLY). This can be considered as Overvalued.


Can you provide the profitability details for OAK VALLEY BANCORP?

OAK VALLEY BANCORP (OVLY) has a profitability rating of 5 / 10.


What is the valuation of OAK VALLEY BANCORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for OAK VALLEY BANCORP (OVLY) is 9.89 and the Price/Book (PB) ratio is 1.27.


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

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