Oak Valley Bancorp (OVLY) AI Stock Analysis

Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank, serving individuals and small to medium-sized businesses in the Central Valley and Eastern Sierras of California. Founded in 1990 and based in Oakdale, California, the institution provides commercial banking services, including deposit products such as checking, savings, money market, health savings, individual retirement accounts, and certificates of deposit. Its lending activities include commercial real estate loans, business lending, trade finance solutions, small business administration loans, and consumer loans like automobile financing, home mortgages, lines of credit, and personal loans. The bank also offers digital banking services like mobile banking, online banking, and remote deposit capture.

Oak Valley Bancorp experienced revenue expansion from $55.2M in FY2021 to $66.8M in FY2022, reaching $87.3M in FY2023 and peaking at $89.4M in FY2024. Revenue contracted 8.6% in FY2025 to $81.7M, though operating margin remained solid at 37.5% and net margin was 29.3%. Over this period, net income moved from $16.3M in FY2021 to a peak of $30.8M in FY2023 before finishing FY2025 at $23.9M, representing EPS of $2.88. For the trailing twelve months, revenue was $83.1M with EPS of $2.82. In the latest quarter ended June 30, 2026, quarterly revenue grew 5.0% year-over-year, while quarterly earnings declined 9.0%.

As of June 30, 2026, Oak Valley Bancorp held $144.8M in cash and short-term investments against total assets of $2.00B. Shareholders' equity stood at $217.0M, with a current ratio of 0.09. For FY2025, the company generated operating cash flow of $28.7M and free cash flow of $24.6M. Capital allocation in FY2025 included $4.1M directed toward capital expenditures and $5.0M returned to shareholders as dividends paid. Over the past five years, the company's share count increased 1.0%.

Oak Valley Bancorp trades at a trailing P/E of 12.0x, in line with the 12.1x median of its US-listed Financial Services peers, and a forward P/E of 10.4x compared to the peer median of 10.8x. The stock has a price-to-sales ratio of 3.4x versus the peer median of 3.2x, along with a price-to-book ratio of 1.3x and enterprise value to revenue of 3.5x based on an enterprise value of $93.9M and a market cap of $285.6M. Over the past year, OVLY gained 36.7%, outperforming the S&P 500 return of 16.8%, while its 5-year return of 106.4% also outpaced the index return of 83.0%.

Oak Valley Bancorp pays a semiannual dividend with an annualized forward payout of $0.75 per share, representing a 2.22% dividend yield. The bank has paid dividends for 13 consecutive years, supported by a 26.7% payout ratio. Over the past five years, the annualized dividend growth rate was 16.5%. The last ex-dividend date was August 3, 2026.

Oak Valley Bancorp does not have consensus Wall Street price targets or formal rating distributions listed. The company's next scheduled earnings date is October 28, 2026. Institutional investors hold 37.6% of the company's shares, while insider ownership stands at 15.2%. Short interest is modest, representing 1.1% of the float. In the trailing twelve months, the bank generated diluted EPS of $2.82, down from $3.02 in FY2024 and $3.74 in FY2023.

This page is an AI-written research summary of Oak Valley Bancorp (OVLY). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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