Oak Valley Bancorp (OVLY) Key Metrics
OVLY valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $285.6M
- Enterprise value
- $93.9M
- P/E (TTM)
- 12.0 10-yr median 10.2
- Forward P/E
- 10.4
- PEG ratio
- —
- Price / sales
- 3.4 10-yr median 2.8
- Price / book
- 1.3 10-yr median 1.4
- EV / EBITDA
- —
- Dividend yield
- 2.21% $0.75 a year
- Beta
- 0.21
OVLY key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsOVLY valuation Price multiples at each fiscal year-end price.
OVLY returns How much profit the business earns on the capital it uses.
OVLY per-share figures Results divided by the shares outstanding at year-end.
OVLY financial health Debt, liquidity and how easily interest is covered.
OVLY efficiency & capital use Working capital cycle and where the cash goes.
OVLY valuation history
OVLY returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
OVLY debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
OVLY cash returned to shareholders
OVLY price vs earnings per share
OVLY key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $249.3M | $241.6M | $246.5M | $185.8M | $142.3M | $135.3M | $158.0M | $148.2M | $157.3M | $101.4M |
| Enterprise value | −$156.1M | $28.0M | −$451.6M | −$757.4M | −$855.9M | −$275.5M | −$165.9M | −$174.9M | −$165.0M | −$237.9M |
| P/E ratio | 10.4 | 9.7 | 8.0 | 8.1 | 8.7 | 9.9 | 12.6 | 12.8 | 17.3 | 13.2 |
| Price / sales | 3.0 | 2.7 | 2.8 | 2.8 | 2.6 | 2.7 | 3.3 | 3.3 | 3.8 | 2.8 |
| Price / book | 1.2 | 1.3 | 1.5 | 1.5 | 1.0 | 1.0 | 1.4 | 1.5 | 1.7 | 1.2 |
| Price / free cash flow | 10.1 | 10.1 | 7.9 | 8.4 | 13.8 | 7.7 | 10.0 | 11.6 | 21.8 | 11.0 |
| Price / operating cash flow | 8.7 | 9.4 | 7.5 | 8.0 | 12.6 | 7.0 | 9.2 | 10.3 | 16.7 | 10.2 |
| EV / sales | -1.9 | 0.3 | -5.2 | -11.3 | -15.5 | -5.4 | -3.5 | -3.9 | -4.0 | -6.5 |
| EV / EBITDA | — | 0.8 | — | — | — | — | — | — | — | — |
| EV / free cash flow | — | 1.2 | — | — | — | — | — | — | — | — |
| Earnings yield | 9.6% | 10.3% | 12.5% | 12.3% | 11.5% | 10.1% | 7.9% | 7.8% | 5.8% | 7.6% |
| Free cash flow yield | 9.9% | 9.9% | 12.6% | 11.9% | 7.2% | 12.9% | 10.0% | 8.6% | 4.6% | 9.1% |
| Dividend yield | 2.0% | 1.6% | 1.1% | 1.3% | 1.7% | 1.7% | 1.4% | 1.4% | 1.3% | 1.9% |
| Shareholder yield (dividends + buybacks) | 2.0% | 1.6% | 1.2% | 1.4% | 1.8% | 1.8% | 1.4% | 1.4% | 1.3% | 1.9% |
| Share price at fiscal year-end | $30.06 | $29.25 | $29.95 | $22.65 | $17.40 | $16.62 | $19.46 | $18.30 | $19.54 | $12.55 |
| Per share | ||||||||||
| Revenue per share | $9.86 | $10.83 | $10.61 | $8.14 | $6.75 | $6.26 | $5.87 | $5.54 | $5.12 | $4.54 |
| Earnings per share | $2.88 | $3.02 | $3.75 | $2.79 | $2.00 | $1.68 | $1.54 | $1.42 | $1.13 | $0.95 |
| Operating cash flow per share | $3.46 | $3.10 | $4.02 | $2.84 | $1.38 | $2.36 | $2.12 | $1.78 | $1.17 | $1.23 |
| Free cash flow per share | $2.96 | $2.89 | $3.79 | $2.70 | $1.26 | $2.15 | $1.95 | $1.58 | $0.90 | $1.14 |
| Cash per share | $49.80 | $25.86 | $84.82 | $114.96 | $122.05 | $50.47 | $39.90 | $39.89 | $40.04 | $41.98 |
| Book value per share | $25.08 | $22.21 | $20.18 | $15.43 | $17.44 | $15.93 | $13.87 | $12.23 | $11.28 | $10.20 |
| Tangible book value per share | $24.68 | $21.80 | $19.76 | $15.00 | $16.99 | $15.48 | $13.40 | $11.74 | $10.77 | $9.68 |
| Dividends per share | $0.61 | $0.45 | $0.32 | $0.30 | $0.29 | $0.28 | $0.27 | $0.26 | $0.25 | $0.24 |
| Capex per share | $0.50 | $0.22 | $0.23 | $0.15 | $0.12 | $0.21 | $0.17 | $0.20 | $0.27 | $0.08 |
| Debt per share | $0.92 | — | — | — | — | — | — | — | $0.00 | $0.00 |
| Shares outstanding | 8.3M | 8.3M | 8.2M | 8.2M | 8.2M | 8.1M | 8.1M | 8.1M | 8.0M | 8.1M |
| Change in shares outstanding | +0.4% | +0.3% | +0.3% | +0.3% | +0.5% | +0.3% | +0.2% | +0.6% | −0.4% | +0.6% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 12.2% | 14.3% | 21.1% | 17.0% | 12.0% | 11.3% | 11.8% | 12.2% | 10.5% | 9.5% |
| Return on assets (ROA) | 1.2% | 1.3% | 1.6% | 1.2% | 0.9% | 1.0% | 1.1% | 1.1% | 0.9% | 0.8% |
| Return on tangible assets | 1.2% | 1.3% | 1.7% | 1.2% | 0.8% | 0.9% | 1.1% | 1.1% | 0.9% | 0.8% |
| Free cash flow margin | 30.0% | 26.7% | 35.7% | 33.1% | 18.6% | 34.4% | 33.2% | 28.5% | 17.5% | 25.2% |
| Income quality (OCF / net income) | 1.20 | 1.03 | 1.07 | 1.02 | 0.69 | 1.41 | 1.38 | 1.25 | 1.03 | 1.29 |
| Financial health | ||||||||||
| Total debt | $7.6M | — | — | — | — | — | — | — | $0 | $0 |
| Cash & short-term investments | $413.0M | $213.6M | $698.1M | $943.2M | $998.2M | $410.7M | $323.9M | $323.1M | $322.2M | $339.4M |
| Net debt | −$405.3M | −$213.6M | −$698.1M | −$943.2M | −$998.2M | −$410.7M | −$323.9M | −$323.1M | −$322.2M | −$339.4M |
| Debt / equity | 0.04 | — | — | — | — | — | — | — | 0.00 | 0.00 |
| Debt / assets | 0.00 | — | — | — | — | — | — | — | 0.00 | 0.00 |
| Net debt / EBITDA | −12.75 | −6.42 | −16.86 | −30.58 | −43.75 | −21.68 | −18.22 | −19.54 | −19.69 | −27.39 |
| 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 | 0.86 | 0.73 | 0.98 | 0.47 | 0.46 | 0.46 | 0.51 | 0.59 |
| Interest coverage | 2.3 | 2.5 | 8.3 | 26.5 | 22.3 | 15.4 | 10.6 | 9.6 | 14.3 | 14.6 |
| Working capital | −$1.38B | −$1.47B | −$944.0M | −$889.0M | −$818.6M | −$964.3M | −$706.6M | −$669.0M | −$615.9M | −$576.4M |
| Invested capital | −$197.4M | −$30.1M | −$532.1M | −$816.6M | −$855.6M | −$281.0M | −$211.3M | −$224.1M | −$231.4M | −$256.9M |
| Tangible asset value | $204.7M | $180.0M | $162.6M | $123.1M | $139.0M | $126.0M | $108.7M | $95.1M | $86.7M | $78.3M |
| Net current asset value | −$1.40B | −$1.50B | −$969.8M | −$889.0M | −$818.6M | −$964.3M | −$706.6M | −$669.0M | −$615.9M | −$576.4M |
| Graham number | $40.34 | $38.85 | $41.25 | $31.13 | $27.99 | $24.55 | $21.91 | $19.79 | $16.93 | $14.75 |
| Graham net-net per share | −$168.79 | −$181.28 | −$161.00 | −$132.63 | −$148.16 | −$133.06 | −$96.62 | −$90.72 | −$86.45 | −$83.58 |
| Capital allocation | ||||||||||
| Dividends paid | $5.0M | $3.7M | $2.6M | $2.5M | $2.4M | $2.3M | $2.2M | $2.1M | $2.0M | $1.9M |
| Share buybacks (net) | — | $158,000 | $211,000 | $121,000 | $108,000 | $110,000 | $0 | $0 | $0 | $0 |
| Dividend payout ratio | 21.0% | 15.0% | 8.6% | 10.8% | 14.6% | 16.8% | 17.7% | 18.3% | 22.2% | 25.3% |
| Dividends + buybacks / free cash flow | 20.4% | 16.4% | 9.2% | 11.7% | 24.2% | 13.8% | 14.0% | 16.5% | 28.1% | 21.0% |
| Capex / revenue | 5.0% | 2.0% | 2.2% | 1.8% | 1.8% | 3.4% | 2.9% | 3.7% | 5.3% | 1.8% |
| Capex / operating cash flow | 14.3% | 6.9% | 5.7% | 5.1% | 8.7% | 9.0% | 8.0% | 11.4% | 23.3% | 6.7% |
| Capex / depreciation | 3.61 | 1.63 | 1.72 | 1.03 | 0.74 | 1.45 | 1.27 | 1.39 | 1.95 | 0.53 |
| Stock-based compensation / revenue | 1.1% | 0.9% | 0.6% | 0.9% | 1.1% | 1.1% | 1.2% | 1.0% | 0.2% | 0.7% |
| SG&A / revenue | 37.7% | 32.0% | 38.2% | 34.5% | 36.6% | 35.3% | 36.5% | 36.3% | 34.2% | 37.0% |
| Efficiency | ||||||||||
| Days sales outstanding | 26.9 | 34.6 | 34.1 | 32.8 | 32.2 | 32.8 | 27.6 | 28.2 | 26.6 | 26.1 |
| Days of inventory on hand | — | — | -34,343.1 | 927,229.6 | -551,122.8 | -21,087.9 | -24,265.8 | -23,857.3 | -44,812.2 | -28,191.7 |
| Days payables outstanding | — | — | — | -33,437.0 | 15,683.6 | 1,609.4 | 2,128.2 | 1,229.4 | 1,389.1 | 1,411.3 |
| Cash conversion cycle (days) | — | — | — | 960,699.3 | -566,774.2 | -22,664.6 | -26,366.3 | -25,058.5 | -46,174.7 | -29,576.9 |
| Receivables turnover | 13.54 | 10.56 | 10.70 | 11.14 | 11.33 | 11.14 | 13.21 | 12.96 | 13.74 | 13.98 |
| Payables turnover | — | — | — | −0.01 | 0.02 | 0.23 | 0.17 | 0.30 | 0.26 | 0.26 |
| Asset turnover | 0.04 | 0.05 | 0.05 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Average receivables | $6.0M | $8.5M | $8.2M | $6.0M | $4.9M | $4.6M | $3.6M | $3.5M | $3.0M | $2.6M |
| Average payables | — | — | — | $21.2M | $14.4M | $14.6M | $12.3M | $7.3M | $5.4M | $4.8M |
| Average inventory | — | — | −$548.9M | −$586.8M | −$507.3M | −$191.7M | −$140.5M | −$141.2M | −$173.7M | −$96.4M |
| Intangibles / total assets | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.4% | 0.4% | 0.4% |
Computed from OVLY's annual financial statements (latest annual report filed March 25, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
OVLY valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Oak Valley Bancorp traded at 10.4 times earnings, against a 10-year median of 10.2. Based on the latest twelve months, the trailing P/E is 12.0 and the forward P/E is 10.4. Oak Valley Bancorp earned a return on equity of 12.2% in fiscal 2025. It ended the year with $7.6 million of debt and $413.0 million in cash and short-term investments, a net cash position of $405.3 million. It returned $5.0 million to shareholders: $5.0 million in dividends and $0 in share buybacks, 20% of free cash flow.
See the OVLY income statement, the OVLY chart for price history, or the OVLY stock overview for the latest quote and news.
OVLY key metrics FAQ
What is Oak Valley Bancorp's P/E ratio?
Oak Valley Bancorp's trailing P/E ratio is 12.0 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 10.4. At the end of fiscal 2025 it was 10.4, compared with a 10-year median of 10.2.
What is Oak Valley Bancorp's return on equity?
Oak Valley Bancorp's return on equity (ROE) was 12.2% in fiscal 2025: net income of $23.9 million on average shareholders' equity of $195.7 million.
How much debt does Oak Valley Bancorp have?
Oak Valley Bancorp had total debt of $7.6 million at the end of fiscal 2025, a debt-to-equity ratio of 0.04 and more cash than debt.
What is Oak Valley Bancorp's dividend yield?
Oak Valley Bancorp's forward dividend yield is 2.21%. Oak Valley Bancorp paid $5.0 million in dividends in fiscal 2025 ($0.61 per share), a payout ratio of 21.0%.
What is Oak Valley Bancorp's free cash flow yield?
Oak Valley Bancorp generated $24.6 million of free cash flow in fiscal 2025, a free cash flow yield of 9.9% on its market value at year-end ($249.3 million).
What is Oak Valley Bancorp's current ratio?
Oak Valley Bancorp's current ratio was 0.23 at the end of fiscal 2025: current assets were 0.23 times current liabilities.