OVLY

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Oak Valley Bancorp (CA)

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Key Metrics

Previous Close: $34.03
52-Week Range: $25.41 – $35.97
Market Cap: $286.96M
P/E (TTM): 12.10
EPS (TTM): 2.82
Dividend Yield: 2.21%

Advanced Metrics

Price/Book: 1.30
PEG Ratio: —
Return on Equity: 11.64%
Return on Assets: 1.20%
Gross Margin: 0.00%
Operating Margin: 32.65%
Profit Margin: 28.23%
Current Ratio: —
Debt/Equity: —
Total Debt: $7.85M
Free Cash Flow: —
Revenue Growth: 5.00%
Earnings Growth: -9.00%
Enterprise Value: $95.26M

OVLY Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$65.65M	$82.43M	$76.59M	$81.73M
Selling, General & Admin	$23.05M	$26.11M	$28.64M	$30.84M
Pretax Income	$29.69M	$40.31M	$32.19M	$30.65M
Income Tax	$6.79M	$9.46M	$7.24M	$6.74M
Net Income	$22.90M	$30.85M	$24.95M	$23.91M
Diluted EPS	2.79	3.75	3.02	2.88
Diluted Shares	8.20M	8.23M	8.26M	8.29M

OVLY Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$415.80M	$180.07M	$138.48M	$203.10M
Receivables	$7.93M	$8.39M	$8.56M	$8.88M
Total Assets	$1.97B	$1.84B	$1.90B	$2.02B
Total Liabilities	$1.84B	$1.68B	$1.72B	$1.82B
Retained Earnings	$126.73M	$154.30M	$175.50M	$194.39M
Shareholders' Equity	$126.63M	$166.09M	$183.44M	$207.97M

OVLY Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$22.81M	$33.06M	$25.64M	$28.67M
Capital Expenditure	-$1.19M	-$1.89M	-$1.78M	-$4.11M
Free Cash Flow	$21.62M	$31.16M	$23.86M	$24.56M
Depreciation & Amortisation	$1.15M	$1.10M	$1.09M	$1.14M
Stock-Based Compensation	$622.00K	$533.00K	$845.00K	$904.00K
Investing Cash Flow	-$376.18M	-$79.50M	-$114.70M	-$57.20M
Financing Cash Flow	$4.74M	-$166.62M	$41.25M	$91.97M
Dividends Paid	-$2.47M	-$2.65M	-$3.75M	-$5.02M
Net Change in Cash	-$348.63M	-$213.06M	-$47.82M	$63.43M

OVLY Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$19.86M	$21.17M	$21.28M	$20.78M	—
Selling, General & Admin	$7.69M	$7.86M	$7.54M	$8.56M	—
Pretax Income	$7.17M	$8.53M	$8.15M	$6.81M	—
Income Tax	$1.58M	$1.84M	$1.82M	$1.50M	—
Net Income	$5.59M	$6.69M	$6.33M	$5.31M	—
Diluted EPS	0.67	0.81	0.76	0.64	0.61
Diluted Shares	8.29M	8.30M	8.30M	8.32M	8.33M

OVLY Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$166.34M	$153.04M	$225.47M	$203.10M	$155.55M
Receivables	—	—	—	$8.88M	—
Total Assets	$1.92B	$1.92B	$2.00B	$2.02B	$2.01B
Total Liabilities	$1.74B	$1.74B	$1.80B	$1.82B	$1.80B
Retained Earnings	$178.29M	$183.88M	$188.06M	$194.39M	$196.56M
Shareholders' Equity	$183.52M	$185.81M	$198.28M	$207.97M	$206.15M

OVLY Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$8.24M	$5.31M	$7.14M	$7.98M	$8.06M
Capital Expenditure	-$1.18M	-$1.58M	-$790.00K	-$555.00K	-$212.00K
Free Cash Flow	$7.06M	$3.73M	$6.35M	$7.42M	$7.84M
Depreciation & Amortisation	$272.00K	$269.00K	$271.00K	$327.00K	$332.00K
Stock-Based Compensation	$201.00K	$234.00K	$231.00K	$238.00K	$252.00K
Investing Cash Flow	$17.15M	-$13.40M	-$19.93M	-$41.03M	-$23.21M
Financing Cash Flow	$15.15M	-$2.35M	$61.08M	$18.08M	-$15.42M
Dividends Paid	-$2.51M	$0.00	-$2.52M	$0.00	-$3.15M
Net Change in Cash	$40.55M	-$10.44M	$48.30M	-$14.98M	-$30.58M

Market Snapshot

About

Oak Valley Bancorp is the holding company for Oak Valley Community Bank, a California-based community bank serving the Central Valley and surrounding regions. The bank offers commercial and retail banking services including business and consumer loans, deposit accounts, and cash management solutions. Oak Valley Bancorp emphasizes personalized service and strong community relationships in its local markets.