Oak Valley Bancorp (OVLY)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 50 | 54 | 66 | 82 | 77 | 68 | 75 | - |
| Operating profit | $m | 31 | 30 | ||||||
| Net profit | $m | 14 | 16 | 23 | 31 | 25 | 24 | 23 | - |
| EPS reported | $ | 2.88 | 2.82 | ||||||
| Operating cashflow per share | $ | 3.48 | 3.24 | ||||||
| Capex per share | $ | 0.50 | 0.14 | ||||||
| FCF per share | $ | 2.98 | 3.10 | ||||||
| Free cash flow | $m | 25 | 26 | ||||||
| Net debt | $m | -413 | -145 | ||||||
| Book value equity | $m | 208 | 217 | ||||||
| Book value per share | $ | 25.08 | 26.04 | ||||||
| Number of shares | m | 8.29 | 8.33 | ||||||
| DPS (TTM paid) | $ | 0.68 | 0.75 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 10.44 | 12.16 | ||||||
| P/B LTM | x | 1.19 | 1.14 | ||||||
| P/S LTM | x | 3.62 | 3.31 | ||||||
| P/FCF LTM | x | 10.09 | 9.68 | ||||||
| EV/EBITDA LTM | x | 1.41 | 1.45 | ||||||
| EV/Sales LTM | x | 0.55 | 1.63 | ||||||
| Earnings Yield LTM | % | +9.58% | +8.22% | ||||||
| FCF Yield | % | +9.91% | +10.33% | ||||||
| Quality | |||||||||
| ROE | % | +11.50% | +11.46% | ||||||
| ROIC | % | +10.39% | +0.88% | ||||||
| Operating margin | % | +37.50% | +34.33% | ||||||
| Gross margin | % | +99.02% | +94.71% | ||||||
| FCF/Sales | % | +30.05% | +29.38% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -4.64% | -6.62% | ||||||
| Sales Growth YoY | % | -10.66% | -2.17% | ||||||
| Net Income Growth YoY | % | -4.15% | -6.00% | ||||||
| FCF Growth | % | +2.94% | +7.34% | ||||||
| Operating Profit Growth | % | -4.79% | -7.05% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.03% | +2.20% | ||||||
| Dividend Growth | % | +28.57% | +42.86% | ||||||
| Payout Ratio | % | +21.03% | +24.14% | ||||||
| FCF/Debt | x | - | - | ||||||
| Net Debt/EBITDA | x | -6.39 | -4.69 | ||||||
| EBIT/Net interest | x | 2.30 | 3.45 | ||||||
| Net debt/market cap | % | 0.00% | 0.00% | ||||||
| Net debt/Equity | x | -1.99 | -0.67 | ||||||
| Gross debt/equity | x | 0.00 | 0.00 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Oak Valley Bancorp, functioning as the parent entity for Oak Valley Community Bank, offers a comprehensive range of commercial banking services. These services are provided to both individual clients and small to mid-sized businesses, primarily operating within California's Central Valley and Eastern Sierras regions. The institution's financial products encompass various deposit options, including checking, savings, money market, health savings accounts (HSAs), individual retirement accounts (IRAs), and certificates of deposit (CDs). For its lending activities, the bank extends financing for commercial real estate, general business operations, trade activities, and also facilitates Small Business Administration (SBA) loans. On the consumer side, loan offerings include vehicle financing, home mortgages, revolving lines of credit, and diverse personal loan solutions. Beyond these core services, the company provides a suite of conveniences such as online and mobile banking, remote deposit capture, merchant services, night depository facilities, extended operating hours, wire transfers, and note collection, complemented by automated teller machines. As of December 31, 2021, Oak Valley Bancorp's operational footprint included seventeen full-service branch offices across various Californian cities, specifically Oakdale, Sonora, Bridgeport, Bishop, Mammoth Lakes, Modesto, Manteca, Patterson, Turlock, Tracy, Ripon, Stockton, Escalon, and Sacramento. Founded in 1990, the company's corporate headquarters are situated in Oakdale, California.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Oak Valley Bancorp (OVLY)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Oak Valley Bancorp, functioning as the parent entity for Oak Valley Community Bank, offers a comprehensive range of commercial banking services. These services are provided to both individual clients and small to mid-sized businesses, primarily operating within California's Central Valley and Eastern Sierras regions. The institution's financial products encompass various deposit options, including checking, savings, money market, health savings accounts (HSAs), individual retirement accounts (IRAs), and certificates of deposit (CDs). For its lending activities, the bank extends financing for commercial real estate, general business operations, trade activities, and also facilitates Small Business Administration (SBA) loans. On the consumer side, loan offerings include vehicle financing, home mortgages, revolving lines of credit, and diverse personal loan solutions. Beyond these core services, the company provides a suite of conveniences such as online and mobile banking, remote deposit capture, merchant services, night depository facilities, extended operating hours, wire transfers, and note collection, complemented by automated teller machines. As of December 31, 2021, Oak Valley Bancorp's operational footprint included seventeen full-service branch offices across various Californian cities, specifically Oakdale, Sonora, Bridgeport, Bishop, Mammoth Lakes, Modesto, Manteca, Patterson, Turlock, Tracy, Ripon, Stockton, Escalon, and Sacramento. Founded in 1990, the company's corporate headquarters are situated in Oakdale, California.
Unlock all fundamental data
Sign up for FreeUnlock all fundamental data
Sign up for Free