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Oak Valley Bancorp [Ca]
(NASDAQ:OVLY)
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Rating:77Outperform
Price Target:
$38.00
â–²(16.53% Upside)
Action:Reiterated
Date:06/17/26
The score is driven primarily by strong financial quality—high profitability, a conservatively positioned balance sheet (no debt), and steady positive cash generation. Valuation is supportive with a reasonable P/E and a modest dividend. Technical signals are neutral, indicating limited near-term momentum, while the recent revenue softness and only routine corporate updates cap the upside.
Positive Factors
Conservative balance sheet
No reported debt and rising shareholders' equity provide durable capital strength, lowering funding and solvency risk. This conservatism preserves regulatory headroom, supports lending through cycles, and sustains strategic flexibility for 2–6 months and beyond.
Negative Factors
Top-line softness
A weakening revenue trend constrains net interest income expansion and fee growth, limiting operating leverage. If the softness persists, it can pressure investment in technology/branches and gradually compress profitability and ROE over the coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
No reported debt and rising shareholders' equity provide durable capital strength, lowering funding and solvency risk. This conservatism preserves regulatory headroom, supports lending through cycles, and sustains strategic flexibility for 2–6 months and beyond.
Read all positive factors
Oak Valley Bancorp [Ca] (OVLY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$281.43M
Dividend Yield2.26%
Average Volume (3M)13.12K
Price to Earnings (P/E)11.7
Beta (1Y)0.65
Revenue Growth2.09%
EPS Growth-3.47%
CountryUS
Employees245
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.84
Shares Outstanding8,413,458
10 Day Avg. Volume9,026
30 Day Avg. Volume13,119
Financial Highlights & Ratios
PEG Ratio-2.25
Price to Book (P/B)1.19
Price to Sales (P/S)3.03
P/FCF Ratio10.09
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Oak Valley Bancorp [Ca] Business Overview & Revenue Model
Company Description
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 op...
How the Company Makes Money
Oak Valley Bancorp primarily makes money through its banking subsidiary by earning interest and fees from financial products and services. The largest driver is typically net interest income: the bank earns interest on loans (such as commercial re...
Oak Valley Bancorp [Ca] Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
86
Very Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 87.16M | 81.73M | 89.45M | 87.30M | 66.77M | 55.23M |
| Gross Profit | 82.55M | 80.92M | 78.21M | 81.46M | 67.00M | 54.90M |
| EBITDA | 30.85M | 31.79M | 33.29M | 41.40M | 30.84M | 22.82M |
| Net Income | 23.45M | 23.91M | 24.95M | 30.85M | 22.90M | 16.34M |
Balance Sheet | ||||||
| Total Assets | 2.00B | 2.02B | 1.90B | 1.84B | 1.97B | 1.96B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 412.95M | 213.55M | 698.15M | 943.24M | 998.22M |
| Total Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Liabilities | -206.15M | 1.82B | 1.72B | 1.68B | 1.84B | 1.82B |
| Stockholders Equity | 206.15M | 207.97M | 183.44M | 166.09M | 126.63M | 142.61M |
Cash Flow | ||||||
| Free Cash Flow | 21.78M | 24.56M | 23.86M | 31.16M | 21.62M | 10.21M |
| Operating Cash Flow | 23.17M | 28.67M | 25.64M | 33.06M | 22.81M | 11.19M |
| Investing Cash Flow | -84.17M | -57.20M | -114.70M | -79.50M | -376.18M | 103.76M |
| Financing Cash Flow | 63.74M | 91.97M | 41.25M | -166.62M | 4.74M | 436.66M |
Oak Valley Bancorp [Ca] Technical Analysis
Neutral
32.61
Price Trends
33.31
Negative
33.09
Positive
31.48
Positive
Market Momentum
0.05
Negative
49.60
Neutral
26.38
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OVLY, the sentiment is Neutral. The current price of 32.61 is below the 20-day moving average (MA) of 33.14, below the 50-day MA of 33.31, and above the 200-day MA of 31.48, indicating a neutral trend. The MACD of 0.05 indicates Negative momentum. The RSI at 49.60 is Neutral, neither overbought nor oversold. The STOCH value of 26.38 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for OVLY.
Oak Valley Bancorp [Ca] Risk Analysis
Oak Valley Bancorp [Ca] disclosed 45 risk factors in its most recent earnings report. Oak Valley Bancorp [Ca] reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Oak Valley Bancorp [Ca] Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $281.43M | 11.69 | 11.46% | 1.82% | 2.09% | -3.47% | |
77 Outperform | $333.99M | 12.86 | 4.12% | 1.44% | 4.97% | 28.06% | |
76 Outperform | $368.43M | 10.74 | 10.98% | 3.89% | 42.39% | 1119.11% | |
75 Outperform | $288.74M | 11.49 | 12.22% | 2.32% | 6.51% | 5.38% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
59 Neutral | $276.12M | 16.37 | 6.78% | 1.96% | 6.09% | 41.66% |
* Financial Sector Average
OVLY
Oak Valley Bancorp [Ca]
33.20
5.69
20.68%
FUNC
First United
44.46
10.55
31.10%
NWFL
Norwood Financial
33.62
9.48
39.28%
WNEB
Western New England Bancorp
13.75
2.23
19.34%
FVCB
FVCBankcorp
18.52
5.72
44.70%
FBLA
FB Bancorp, Inc.
15.56
3.97
34.25%
Oak Valley Bancorp [Ca] Corporate Events
DividendsFinancial Disclosures
Oak Valley Bancorp Declares Dividend Amid Earnings Pressure
Neutral
Jul 23, 2026
For the quarter ended June 30, 2026, Oak Valley Bancorp reported unaudited consolidated net income of $5.1 million, or $0.61 per diluted share, down from both the prior quarter and the same period in 2025, with six‑month net income also lowe...
Executive/Board ChangesShareholder Meetings
Oak Valley Bancorp Shareholders Approve Directors and Auditor
Positive
Jun 17, 2026
At the June 16, 2026 annual meeting of shareholders, Oak Valley Bancorp [Ca] investors re-elected four directors—Christopher M. Courtney, Lynn R. Dickerson, Allison C. Lafferty, and Terrance P. Withrow—to three-year terms, with strong ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.