Oak Valley Bancorp (OVLY) Balance Sheet
OVLY balance sheet, 2025
December 31, 2025 · U.S. dollars$2.02B assets = $1.82B liabilities + $208.0M equity
Both columns are drawn to the same scale: what OVLY owns equals what it owes plus shareholders’ equity. Hover a block for its value.
OVLY financial health
Descriptive bands, not a rating. Fiscal 2025.
OVLY balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $1.00B2016 | $2.02B2025 | +8.1%/yr | |
| Total liabilities | $919.7M2016 | $1.82B2025 | +7.8%/yr | |
| Shareholders’ equity | $82.5M2016 | $208.0M2025 | +10.8%/yr | |
| Cash & short-term investments | $339.4M2016 | $413.0M2025 | +2.2%/yr | |
| Working capital | −$576.4M2016 | −$1.38B2025 | −$800.1M | |
| Book value per share | $10.202016 | $25.082025 | +10.5%/yr | |
| Shares outstanding | 8.1M2016 | 8.3M2025 | +0.3%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
OVLY assets
OVLY liabilities and equity
OVLY debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
OVLY balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $413.0M | $213.6M | $698.1M | $943.2M | $998.2M | $410.7M | $323.9M | $323.1M | $322.2M | $339.4M |
| Cash & equivalents | $203.1M | $138.5M | $180.1M | $415.8M | $735.3M | $193.6M | $133.8M | $116.4M | $143.0M | $179.0M |
| Short-term investments | $209.9M | $75.1M | $518.1M | $527.4M | $262.9M | $217.2M | $190.1M | $206.7M | $179.2M | $160.3M |
| Receivables | $3.5M | $8.6M | $8.4M | $7.9M | $4.1M | $5.7M | $3.5M | $3.8M | $3.2M | $2.8M |
| Inventory | $0 | $0 | −$706.5M | −$391.3M | −$782.3M | −$232.3M | −$151.1M | −$129.9M | −$152.6M | −$194.9M |
| Other current assets | $0 | $0 | $706.5M | $392.9M | $783.3M | $233.4M | $152.4M | $129.9M | $155.4M | $195.9M |
| Total current assets | $416.5M | $222.1M | $706.5M | $952.7M | $1.00B | $417.5M | $328.7M | $326.9M | $328.2M | $343.3M |
| Property, plant & equipment (net) | $26.3M | $23.0M | $22.7M | $23.1M | $22.0M | $20.4M | $19.5M | $14.9M | $14.5M | $13.7M |
| Goodwill & intangible assets | $3.3M | $3.4M | $3.5M | $3.6M | $3.6M | $3.7M | $3.8M | $3.9M | $4.1M | $4.2M |
| Long-term investments | $563.0M | $542.1M | $534.9M | $545.0M | $270.6M | $225.3M | $931.1M | $215.3M | $182.6M | $160.7M |
| Other non-current assets | $1.01B | $1.11B | $574.8M | $444.0M | $665.0M | $844.6M | $0 | $533.9M | $505.5M | $480.3M |
| Total assets | $2.02B | $1.90B | $1.84B | $1.97B | $1.96B | $1.51B | $1.15B | $1.09B | $1.03B | $1.00B |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $27.4M | $14.9M | $14.0M | $15.3M | $9.4M | $5.2M | $5.6M |
| Short-term debt | $1.6M | — | — | — | — | — | — | — | — | — |
| Total current liabilities | $1.79B | $1.70B | $1.65B | $1.84B | $1.82B | $1.38B | $1.04B | $995.8M | $944.1M | $919.7M |
| Long-term debt | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other long-term liabilities | $22.2M | $21.5M | $25.8M | $1.84B | $1.82B | $1.38B | $109.6M | $92.8M | $95.6M | $136.1M |
| Total liabilities | $1.82B | $1.72B | $1.68B | $1.84B | $1.82B | $1.38B | $1.04B | $995.8M | $944.1M | $919.7M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $25.4M | $25.4M | $25.4M | $25.4M | $25.4M | $25.4M | $25.4M | $25.4M | $24.8M | $24.7M |
| Retained earnings (deficit) | $194.4M | $175.5M | $154.3M | $126.7M | $106.3M | $92.3M | $81.0M | $70.7M | $61.4M | $54.5M |
| Treasury stock | — | — | — | — | — | — | — | — | $0 | $0 |
| Accumulated other comprehensive income | −$18.7M | −$23.7M | −$19.2M | −$30.7M | $6.2M | $7.7M | $2.4M | −$435,000 | $989,000 | −$225,000 |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $208.0M | $183.4M | $166.1M | $126.6M | $142.6M | $129.7M | $112.6M | $99.0M | $90.8M | $82.5M |
| Key figures | ||||||||||
| Total debt | $7.6M | — | — | — | — | — | — | — | — | — |
| Net cash (debt) | $405.3M | — | — | — | — | — | — | — | — | — |
| Working capital | −$1.38B | −$1.47B | −$944.0M | −$889.0M | −$818.6M | −$964.3M | −$706.6M | −$669.0M | −$615.9M | −$576.4M |
| Tangible book value | $204.7M | $180.0M | $162.6M | $123.1M | $139.0M | $126.0M | $108.7M | $95.1M | $86.7M | $78.3M |
| Book value per share | $25.08 | $22.21 | $20.18 | $15.43 | $17.44 | $15.93 | $13.87 | $12.23 | $11.28 | $10.20 |
| Shares outstanding | 8.3M | 8.3M | 8.2M | 8.2M | 8.2M | 8.1M | 8.1M | 8.1M | 8.0M | 8.1M |
| Current ratio | 0.23 | 0.13 | 0.43 | 0.52 | 0.55 | 0.30 | 0.32 | 0.33 | 0.35 | 0.37 |
| Quick ratio | 0.23 | 0.13 | 0.43 | 0.52 | 0.55 | 0.30 | 0.32 | 0.33 | 0.34 | 0.37 |
| Debt / equity | 0.04 | — | — | — | — | — | — | — | — | — |
| Equity / assets | 10.3% | 9.7% | 9.0% | 6.4% | 7.3% | 8.6% | 9.8% | 9.0% | 8.8% | 8.2% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $144.8M | $155.6M | $413.0M | $225.5M | $153.0M | $242.2M | $213.6M | $683.6M | $642.1M | $649.1M | $698.1M | $723.8M |
| Cash & equivalents | $144.8M | $155.6M | $203.1M | $225.5M | $153.0M | $166.3M | $138.5M | $166.2M | $149.3M | $144.0M | $180.1M | $238.8M |
| Short-term investments | $531.9M | $555.0M | $209.9M | $530.7M | $503.3M | $75.8M | $75.1M | $517.3M | $492.8M | $505.1M | $518.1M | $484.9M |
| Receivables | $9.1M | $8.5M | $3.5M | $0 | $0 | $0 | $8.6M | $0 | $0 | $8.4M | $2.9M | $58.9M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $171.7M | $0 | −$341.6M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | — | $341.6M |
| Total current assets | $153.9M | $164.0M | $416.5M | $225.5M | $153.0M | $242.2M | $222.1M | $683.6M | $642.1M | $649.1M | — | $782.6M |
| Property, plant & equipment (net) | $18.7M | $18.9M | $26.3M | $18.9M | $18.4M | $17.2M | $23.0M | $15.8M | $15.9M | $15.7M | $22.7M | $15.9M |
| Goodwill & intangible assets | $3.3M | $6.6M | $3.3M | $3.3M | $3.4M | $3.4M | $3.4M | $3.4M | $3.4M | $6.8M | $0 | $3.5M |
| Long-term investments | $202.0M | $558.5M | $563.0M | $184.4M | $205.4M | $521.9M | $542.1M | $520.6M | $495.9M | $508.2M | $534.9M | $487.8M |
| Other non-current assets | $1.62B | $1.26B | $1.01B | $1.56B | $1.54B | $1.14B | $1.11B | $677.1M | $683.2M | $626.0M | $1.28B | $545.5M |
| Total assets | $2.00B | $2.01B | $2.02B | $2.00B | $1.92B | $1.92B | $1.90B | $1.90B | $1.84B | $1.81B | $1.84B | $1.84B |
| Liabilities | ||||||||||||
| Accounts payable | — | — | — | — | — | — | — | — | — | — | — | $33.8M |
| Short-term debt | — | — | $1.6M | — | — | — | — | — | — | — | — | — |
| Total current liabilities | $1.76B | $1.78B | $1.79B | $1.77B | $1.71B | $1.71B | $1.70B | $1.69B | $1.64B | $1.61B | — | $1.70B |
| Long-term debt | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other long-term liabilities | $1.78B | $23.1M | $22.2M | $22.3M | $23.9M | $27.3M | $21.5M | $24.8M | $24.0M | $26.4M | — | $177.7M |
| Total liabilities | $1.78B | $1.80B | $1.82B | $1.80B | $1.74B | $1.74B | $1.72B | $1.72B | $1.67B | $1.64B | $1.68B | $1.70B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $25.4M | $25.4M | $25.4M | $25.4M | $25.4M | $25.4M | $25.4M | $25.4M | $25.4M | $25.4M | — | $25.4M |
| Retained earnings (deficit) | $201.7M | $196.6M | $194.4M | $188.1M | $183.9M | $178.3M | $175.5M | $169.5M | $164.1M | $158.2M | $154.3M | $148.4M |
| Accumulated other comprehensive income | −$17.5M | −$22.6M | −$18.7M | −$21.8M | −$29.9M | −$26.4M | −$23.7M | −$15.5M | −$23.5M | −$22.3M | — | −$44.2M |
| Total shareholders' equity | $217.0M | $206.2M | $208.0M | $198.3M | $185.8M | $183.5M | $183.4M | $185.4M | $171.8M | $166.9M | $166.1M | $135.1M |
| Key figures | ||||||||||||
| Total debt | — | — | $7.6M | — | — | — | — | — | — | — | — | — |
| Net cash (debt) | — | — | $405.3M | — | — | — | — | — | — | — | — | — |
| Working capital | −$1.61B | −$1.62B | −$1.38B | −$1.55B | −$1.56B | −$1.47B | −$1.47B | −$1.01B | −$1.00B | −$963.3M | — | −$917.7M |
| Tangible book value | $213.7M | $199.5M | $204.7M | $194.9M | $182.5M | $180.1M | $180.0M | $182.0M | $168.4M | $160.2M | $166.1M | $131.6M |
| Book value per share | $26.04 | $24.77 | $25.04 | $23.89 | $22.43 | $22.17 | $22.16 | $22.43 | $20.83 | $20.24 | $20.16 | $16.41 |
| Shares outstanding | 8.3M | 8.3M | 8.3M | 8.3M | 8.3M | 8.3M | 8.3M | 8.3M | 8.2M | 8.2M | 8.2M | 8.2M |
| Current ratio | 0.09 | 0.09 | 0.23 | 0.13 | 0.09 | 0.14 | 0.13 | 0.40 | 0.39 | 0.40 | — | 0.46 |
| Quick ratio | 0.09 | 0.09 | 0.23 | 0.13 | 0.09 | 0.14 | 0.13 | 0.40 | 0.39 | 0.41 | — | 0.46 |
| Debt / equity | — | — | 0.04 | — | — | — | — | — | — | — | — | — |
| Equity / assets | 10.8% | 10.3% | 10.3% | 9.9% | 9.7% | 9.5% | 9.7% | 9.8% | 9.3% | 9.2% | 9.0% | 7.4% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 25, 2026); data from EODHD.
OVLY financial position
At the end of fiscal 2025 (December 31, 2025), Oak Valley Bancorp had total assets of $2.0 billion (up 6.4% from a year earlier), total liabilities of $1.8 billion and shareholders' equity of $208.0 million. It held $413.0 million in cash and short-term investments against $7.6 million of debt, a net cash position of $405.3 million. Its current ratio was 0.23. In the latest quarter (ended June 30, 2026) total assets were $2.0 billion and equity $217.0 million.
Related: OVLY income statement, OVLY cash flow statement, OVLY key metrics. See the OVLY stock overview for the latest quote and news.
OVLY balance sheet FAQ
What are Oak Valley Bancorp's total assets?
Oak Valley Bancorp reported total assets of $2.0 billion at the end of fiscal 2025 (December 31, 2025), compared with $1.9 billion a year earlier.
How much debt does Oak Valley Bancorp have?
Oak Valley Bancorp had $7.6 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.04.
How much cash does Oak Valley Bancorp have?
Oak Valley Bancorp held $413.0 million in cash and short-term investments at the end of fiscal 2025; with $7.6 million of debt that is net cash of $405.3 million.
What is Oak Valley Bancorp's book value?
Oak Valley Bancorp's shareholders' equity (book value) was $208.0 million at the end of fiscal 2025, or $25.08 per share.
What is Oak Valley Bancorp's current ratio?
Oak Valley Bancorp had current assets of $416.5 million and current liabilities of $1.8 billion, a current ratio of 0.23 (current liabilities exceed current assets).
How much goodwill does Oak Valley Bancorp have?
Oak Valley Bancorp carried $3.3 million of goodwill and intangible assets, 0.2% of total assets, at the end of fiscal 2025.