Oak View National Bank (OAKV) AI Stock Analysis

• Market Cap: $41.52M
• Dividend Yield: 2.26%
• Average Volume (3M): 976.00
• Price to Earnings (P/E): 6.8
• Beta (1Y): 0.15
• Revenue Growth: 15.35%
• EPS Growth: 8.34%
• Country: US
• Employees: 51
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 2,956,157
• 10 Day Avg. Volume: 1,498
• 30 Day Avg. Volume: 976
• PEG Ratio: 0.16
• Price to Book (P/B): 1.15
• Price to Sales (P/S): 1.15
• P/FCF Ratio: -16.45
• Enterprise Value/Market Cap: 2.85
• Enterprise Value/Revenue: 3.81
• Enterprise Value/Gross Profit: 10.57
• Enterprise Value/Ebitda: 14.98
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 65 Neutral
• Price Target: $15.00 ▲(7.14% Upside)
• Action: Reiterated Date: 12/30/25
• Date: Action: Reiterated 12/30/25

The score is primarily constrained by financial performance: while revenue growth and 2024 profitability are solid, cash flow conversion is weak and leverage has increased. Offsetting this, technical trends are positive and valuation is attractive with a low P/E and a moderate dividend yield.

Positive Factors

Revenue Growth

Consistent revenue growth reflects the bank's ability to expand its market presence and enhance its service offerings, which is crucial for long-term sustainability and competitiveness.

Profitability

Improved profitability indicates effective cost management and operational efficiency, which are essential for maintaining competitive advantage and ensuring financial stability.

Customer Loyalty

Strong customer loyalty driven by personalized services supports stable revenue streams and enhances the bank's ability to withstand competitive pressures in the retail banking sector.

Negative Factors

High Leverage

High leverage can increase financial risk, potentially impacting the bank's ability to invest in growth opportunities and manage economic downturns effectively.

Cash Flow Volatility

Volatile cash flows can hinder the bank's ability to fund operations and growth initiatives, necessitating improved cash management strategies to ensure financial resilience.

EBITDA Margin Inconsistency

Inconsistent EBITDA margins may indicate challenges in maintaining cost efficiency, which could affect profitability and competitiveness over time if not addressed.

Oak View National Bank Business Overview & Revenue Model

Company Description

Oak View Bankshares, Inc. operates as the bank holding company for Oak View National Bank that provides banking services for individual and corporate customers in the counties of Fauquier, Culpeper, and Rappahannock, Virginia. It offers checking, savings, money market, and retirement accounts; certificates of deposit; and CDARs. The company also provides commercial lending services, including small business administration loan programs, commercial lines of credit, commercial term loans, commercial real estate loans, and long-term loan programs; consumer loans; home equity loans; home equity lines of credit; home mortgages and refinances; church loans; and municipal leasing programs. In addition, it offers treasury management services, such as ACH, remote deposit capture, and merchant services; credit cards; and online and mobile banking services. The company was founded in 2009 and is based in Warrenton, Virginia.

How the Company Makes Money

Oak View National Bank generates revenue primarily through the interest income on loans and mortgages extended to customers. The bank also earns money from service fees associated with maintaining accounts and transaction processing. Additionally, OAKV benefits from the spread between the interest rates on deposits and loans, known as the net interest margin. The bank may engage in partnerships with local businesses to offer co-branded financial products or community development projects, which can contribute to its earnings. The focus on personalized service helps OAKV maintain a loyal customer base, which is crucial for sustaining its revenue streams.

Oak View National Bank Financial Statement Overview

Summary

Income statement strength (72) shows meaningful revenue growth and solid 2024 margins, but this is tempered by higher leverage on the balance sheet (60; debt-to-equity ~1.66) and weak/uneven cash generation (cash flow score 35 with recurring negative free cash flow). Overall financial quality is mixed due to cash conversion and leverage risk.

Income Statement

Revenue has expanded meaningfully over the period (from ~$9.3M in 2019 to ~$38.3M in 2024), with 2024 showing solid growth versus 2023. Profitability is healthy in 2024 with ~16% net margin and ~20% EBIT margin. The main weakness is volatility and data inconsistency across years (e.g., unusually high 2023 gross margin relative to revenue), which reduces confidence in the trend quality despite generally positive earnings progression.

Balance Sheet

The company has grown its asset base steadily (to ~$695M in 2024) and returns on equity improved to ~16% in 2024. However, leverage has risen materially: debt-to-equity increased from ~0.5–0.6 (2020–2021) to ~1.66 in 2024, indicating a more aggressive funding mix and less balance-sheet flexibility if credit costs or funding conditions worsen.

Cash Flow

Cash generation is the weakest area. Operating cash flow has been inconsistent (negative in 2023 and only ~$3.2M in 2024), while free cash flow is negative in multiple years (notably 2020 and again in 2023–2024). With net income positive but free cash flow negative in 2024, earnings quality looks weaker and the business appears more reliant on funding/working-capital movements than durable cash conversion.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	31.02M	38.26M	16.73M	16.06M	12.85M	11.47M
Gross Profit	11.20M	20.04M	29.87M	16.06M	12.85M	11.47M
EBITDA	7.90M	7.63M	5.28M	3.82M	3.28M	2.40M
Net Income	6.31M	6.10M	4.21M	3.06M	2.47M	2.02M
Balance Sheet
Total Assets	773.04M	695.40M	600.16M	498.10M	345.14M	284.67M
Cash, Cash Equivalents and Short-Term Investments	0.00	0.00	8.87M	8.74M	49.96M	10.90M
Total Debt	76.68M	63.67M	48.63M	39.21M	14.90M	16.90M
Total Liabilities	725.55M	657.13M	567.49M	471.09M	316.50M	258.36M
Stockholders Equity	47.49M	38.28M	32.67M	27.02M	28.63M	26.31M
Cash Flow
Free Cash Flow	0.00	-2.67M	-1.87M	4.87M	1.69M	-41.24M
Operating Cash Flow	0.00	3.15M	-1.26M	9.59M	2.62M	2.66M
Investing Cash Flow	0.00	-83.91M	-99.33M	-160.75M	-51.69M	-20.48M
Financing Cash Flow	0.00	88.39M	100.44M	146.72M	58.61M	18.70M

Oak View National Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 14.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OAKV, the sentiment is Positive. The current price of 14 is above the 20-day moving average (MA) of 13.93, above the 50-day MA of 13.72, and above the 200-day MA of 13.37, indicating a bullish trend. The MACD of 0.11 indicates Positive momentum. The RSI at 57.36 is Neutral, neither overbought nor oversold. The STOCH value of 25.91 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OAKV.

Oak View National Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HFBL	78 Outperform	$57.42M	11.01	8.21%	3.21%	0.32%	37.93%
OPHC	78 Outperform	$60.55M	5.24	15.03%	―	14.91%	0.81%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
OAKV	65 Neutral	$41.52M	6.81	14.80%	2.26%	15.35%	8.34%
TCBS	55 Neutral	$49.04M	19.79	4.74%	1.10%	12.12%	―
BAFN	48 Neutral	$27.17M	-1.20	-11.14%	4.10%	1.63%	-508.72%