Oak Valley Bancorp (OVLY) Income Statement
OVLY 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsOVLY revenue and net income
Where OVLY's revenue goes
2025Each bar shows an amount and its share of revenue. OVLY kept 29.3% of revenue as net income.
OVLY profit margins
OVLY growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | −8.6% | +7.0% | +9.9% | +10.5% |
| Gross profit | +3.5% | +6.5% | +11.2% | +10.6% |
| Operating income | −4.8% | +1.1% | +11.6% | +16.0% |
| Net income | −4.1% | +1.5% | +11.8% | +17.2% |
| EPS (diluted) | −4.6% | +1.1% | +11.4% | +16.8% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
OVLY quarterly EPS vs estimates
Next report: October 28, 2026.
OVLY income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $81.7M | $89.4M | $87.3M | $66.8M | $55.2M | $50.9M | $47.6M | $44.9M | $41.2M | $36.7M |
| Cost of revenue | $805,000 | $11.2M | $5.8M | −$231,000 | $336,000 | $3.3M | $2.1M | $2.2M | $1.4M | $1.2M |
| Gross profit | $80.9M | $78.2M | $81.5M | $67.0M | $54.9M | $47.6M | $45.5M | $42.7M | $39.8M | $35.5M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $30.8M | $28.6M | $33.4M | $23.0M | $20.2M | $18.0M | $17.4M | $16.3M | $14.1M | $13.6M |
| Total operating expenses | $50.3M | $46.0M | $41.2M | $37.3M | $33.2M | $29.9M | $28.8M | $27.4M | $24.6M | $24.3M |
| Operating income | $30.6M | $32.2M | $40.3M | $29.7M | $21.7M | $17.7M | $16.7M | $15.3M | $15.2M | $11.1M |
| Interest income | $87.9M | $82.9M | $79.9M | $60.1M | $48.8M | $45.9M | $42.6M | $40.2M | $35.2M | $32.3M |
| Interest expense | $13.3M | $12.9M | $4.9M | $1.1M | $971,000 | $1.2M | $1.6M | $1.6M | $1.1M | $764,000 |
| Income before taxes | $30.6M | $32.2M | $40.3M | $29.7M | $21.7M | $17.7M | $16.7M | $15.3M | $15.2M | $11.1M |
| Income taxes | $6.7M | $7.2M | $9.5M | $6.8M | $5.3M | $4.1M | $4.2M | $3.8M | $6.1M | $3.5M |
| Net income | $23.9M | $24.9M | $30.8M | $22.9M | $16.3M | $13.7M | $12.5M | $11.5M | $9.1M | $7.7M |
| EBITDA | $31.8M | $33.3M | $41.4M | $30.8M | $22.8M | $18.9M | $17.8M | $16.5M | $16.4M | $12.4M |
| EPS (diluted) | $2.88 | $3.02 | $3.74 | $2.79 | $1.99 | $1.68 | $1.54 | $1.43 | $1.25 | $1.04 |
| Gross margin | 99.0% | 87.4% | 93.3% | 100.3% | 99.4% | 93.5% | 95.6% | 95.2% | 96.6% | 96.6% |
| Operating margin | 37.5% | 36.0% | 46.2% | 44.5% | 39.2% | 34.8% | 35.0% | 34.2% | 37.0% | 30.3% |
| Net margin | 29.3% | 27.9% | 35.3% | 34.3% | 29.6% | 26.9% | 26.2% | 25.7% | 22.1% | 20.9% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $20.6M | $20.8M | $21.3M | $24.5M | $23.1M | $22.7M | $22.9M | $23.0M | $22.0M | $21.5M | $19.7M | $21.9M |
| Cost of revenue | $21,000 | $464,000 | $865,000 | $3.3M | $3.3M | $3.3M | $3.7M | $1.9M | $3.0M | $2.8M | $0 | $1.7M |
| Gross profit | $20.6M | $20.3M | $20.4M | $21.2M | $19.9M | $19.4M | $19.3M | $21.1M | $19.1M | $18.8M | $19.7M | $20.2M |
| Sales, general & admin | $10.0M | $8.6M | $8.5M | $8.8M | $9.5M | $7.8M | $6.9M | $7.2M | $7.2M | $7.3M | $6.8M | $6.5M |
| Total operating expenses | $14.2M | $13.5M | $12.3M | $12.7M | $12.7M | $12.6M | $11.5M | $11.3M | $11.6M | $11.5M | — | $10.6M |
| Operating income | $6.4M | $6.8M | $8.2M | $8.5M | $7.2M | $6.8M | $7.7M | $9.8M | $7.4M | $7.2M | $19.7M | $9.6M |
| Interest income | $22.5M | $22.2M | $22.9M | $22.5M | $21.4M | $21.1M | $21.5M | $21.1M | $20.2M | $20.0M | $20.2M | $18.9M |
| Interest expense | $3.5M | $2.0M | $3.4M | $3.3M | $3.3M | $3.3M | $3.7M | $3.5M | $3.0M | $2.8M | $2.3M | $1.4M |
| Income before taxes | $6.4M | $6.8M | $8.2M | $8.5M | $7.2M | $6.8M | $7.7M | $9.8M | $7.4M | $7.2M | $7.8M | $9.6M |
| Income taxes | $1.3M | $1.5M | $1.8M | $1.8M | $1.6M | $1.5M | $1.7M | $2.5M | $1.5M | $1.5M | $1.9M | $2.3M |
| Net income | $5.1M | $5.3M | $6.3M | $6.7M | $5.6M | $5.3M | $6.0M | $7.3M | $5.9M | $5.7M | $5.9M | $7.4M |
| EBITDA | $6.4M | $7.1M | $8.5M | $8.8M | $7.4M | $7.1M | $8.0M | $10.1M | $7.7M | $7.5M | — | $9.9M |
| EPS (diluted) | $0.61 | $0.64 | $0.76 | $0.81 | $0.67 | $0.64 | $0.73 | $0.89 | $0.71 | $0.69 | $0.71 | $0.89 |
| Gross margin | 99.9% | 97.8% | 95.9% | 86.7% | 85.9% | 85.4% | 84.0% | 91.9% | 86.6% | 87.2% | 100.0% | 92.2% |
| Operating margin | 31.2% | 32.8% | 38.3% | 34.8% | 31.0% | 29.9% | 33.7% | 42.6% | 33.8% | 33.6% | 100.0% | 43.9% |
| Net margin | 24.8% | 25.6% | 29.8% | 27.3% | 24.2% | 23.3% | 26.2% | 31.9% | 26.8% | 26.6% | 29.8% | 33.6% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in OVLY's financial statements (latest annual report filed March 25, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
OVLY financial results
In fiscal year 2025 (ended December 31, 2025), Oak Valley Bancorp reported revenue of $81.7 million, down 8.6% from the year before. It had net income of $23.9 million (down 4.1%), a net profit margin of 29.3%. Diluted earnings per share came to $2.88. Over five years revenue grew at an average rate of 9.9% a year.
See the OVLY stock overview for the latest quote and news, or the OVLY chart for price history and technical indicators.
OVLY income statement FAQ
What is Oak Valley Bancorp's annual revenue?
Oak Valley Bancorp reported total revenue of $81.7 million for fiscal year 2025, which ended on December 31, 2025. That was down 8.6% from $89.4 million the previous year.
Is Oak Valley Bancorp profitable?
Yes. Oak Valley Bancorp reported net income of $23.9 million in fiscal 2025, a net profit margin of 29.3%; its operating margin was 37.5%.
What is Oak Valley Bancorp's gross margin?
Oak Valley Bancorp's gross margin was 99.0% in fiscal 2025: for every $100 of revenue, Oak Valley Bancorp kept $99 after the direct cost of its products and services.
How fast is Oak Valley Bancorp growing?
Revenue grew 9.9% a year on average over the last five fiscal years, from $50.9 million to $81.7 million.
What are Oak Valley Bancorp's earnings per share?
Oak Valley Bancorp earned $2.88 per diluted share in fiscal 2025, compared with $3.02 a year earlier.
When will Oak Valley Bancorp report its next earnings?
Oak Valley Bancorp is expected to report results for the quarter ending September 30, 2026 on October 28, 2026 after the market closes.
When does Oak Valley Bancorp's fiscal year end?
Oak Valley Bancorp's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 25, 2026.