Oak Valley Bancorp
OVLY Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$34.03
KIRA · Stoqly’s AI analyst, in plain words
- Oak Valley Bancorp had $81.7M of revenue in fiscal 2025, up 6.7% on the year before. Over five years, revenue changed +10.4% a year on average.
- Oak Valley Bancorp made $23.9M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 13.1% a year.
- Oak Valley Bancorp returned $5.0M to shareholders in fiscal 2025, 20% of free cash flow. The diluted share count rose 0.4%.
- It earned 12.2% on shareholders’ money. Running costs took 61.5% of revenue (the efficiency ratio; lower is better).
Market cap
$284M
P/E
12.1x
Revenue
$81.7M
Net income
$23.9M
Return on equity
12.2%
Efficiency ratio
61.5%
Oak Valley Bancorp in 30 seconds · fiscal 2025
Are sales growing?
+6.7%
Yes. Sales grew 6.7% last year.
Does it make a profit?
29.3%
Yes. It keeps 29.3% of every sale as profit.
How lean are its costs?
61.5%
Average. Running costs take 61.5% of revenue.
How much does it earn on its capital?
12.2%
Good. It earns 12.2% a year on shareholders’ money.
How is the share priced?
12.1x
One share costs 12.1 times its yearly profit per share.
What Oak Valley Bancorp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 25, 2026
- Legal name
- Oak Valley Bancorp
- CIK
- 0001431567
Oak Valley Bancorp · OVLY
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $54.3M | $65.6M | $82.4M | $76.6M | $81.7M |
| Revenue growth | 9.0% | 21.0% | 25.6% | −7.1% | 6.7% |
| Net interest income | $48.8M | $60.1M | $75.8M | $70.0M | $74.6M |
| Net income | $16.3M | $22.9M | $30.8M | $24.9M | $23.9M |
| Net margin | 30.1% | 34.9% | 37.4% | 32.6% | 29.3% |
| Diluted EPS | $2.00 | $2.79 | $3.75 | $3.02 | $2.88 |
| Cash | |||||
| Cash from operations | $11.2M | $22.8M | $33.1M | $25.6M | $28.7M |
| Capital expenditure | $1.0M | $1.2M | $1.9M | $1.8M | $4.1M |
| Free cash flow | $10.2M | $21.6M | $31.2M | $23.9M | $24.6M |
| FCF margin | 18.8% | 32.9% | 37.8% | 31.1% | 30.0% |
| Dividends paid | $2.4M | $2.5M | $2.6M | $3.7M | $5.0M |
| Share count change | 0.5% | 0.3% | 0.3% | 0.3% | 0.4% |
| Debt and strength | |||||
| Cash and short-term investments | $778M | $430M | $217M | $169M | $232M |
| Loans, net | $848M | $905M | — | $1.1B | $1.1B |
| Deposits | $1.8B | $1.8B | $1.7B | $1.7B | $1.8B |
| Shareholders' equity | $143M | $127M | $166M | $183M | $208M |
| Returns and quality | |||||
| Return on equity | 12.0% | 17.0% | 21.1% | 14.3% | 12.2% |
| Return on tangible equity | 11.7% | 18.6% | 19.0% | 13.9% | 11.7% |
| Efficiency ratio | 61.2% | 56.8% | 49.9% | 60.1% | 61.5% |
Insiders bought, 12 months
$0.2M
6 insiders
Insiders sold, 12 months
$0.1M
1 insider
Of sales under plans
88%
$0.1M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Oak Valley Bancorp · OVLY
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $34.03 a share, the company is worth $284M: 12.1 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001431567). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.