Oak Valley Bancorp [Ca] (OVLY) AI Stock Analysis

• Market Cap: $286.14M
• Dividend Yield: 1.99%
• Average Volume (3M): 13.12K
• Price to Earnings (P/E): 10.4
• Beta (1Y): 0.61
• Revenue Growth: 5.50%
• EPS Growth: -5.19%
• Country: US
• Employees: 225
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.76
• Shares Outstanding: 8,413,458
• 10 Day Avg. Volume: 9,026
• 30 Day Avg. Volume: 13,119
• PEG Ratio: -2.25
• Price to Book (P/B): 1.19
• Price to Sales (P/S): 3.03
• P/FCF Ratio: 10.09
• Enterprise Value/Market Cap: 0.32
• Enterprise Value/Revenue: 0.99
• Enterprise Value/Gross Profit: 1.12
• Enterprise Value/Ebitda: 2.91
• 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: 73 Outperform
• Price Target: $36.00 ▲(19.17% Upside)
• Action: Reiterated Date: 03/26/26
• Date: Action: Reiterated 03/26/26

Overall score is supported primarily by solid underlying financial quality and an attractive valuation (low P/E with a dividend). Offsetting this are mixed technical signals and some recent business/credit headwinds (slowing revenue/earnings momentum and a noted non-accrual CRE-related provision), though corporate updates also indicate continued capital return and an orderly leadership transition.

Positive Factors

Conservative balance sheet

Very low reported leverage gives the bank durable financial flexibility and resilience. Conservative funding and minimal debt reduce refinancing and interest-rate exposure, supporting lending capacity, regulatory compliance, and consistent capital return programs through economic cycles.

Negative Factors

Revenue contraction

A meaningful revenue decline erodes earnings power and limits internal capital for lending and reserves. If driven by lower loan growth or margins, this trend can persist absent strategy shifts, constraining medium-term profit recovery and reducing room for dividend or growth investments.

Oak Valley Bancorp [Ca] Business Overview & Revenue Model

Company Description

Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank that provides a range of commercial banking services to individuals and small to medium-sized businesses in the Central Valley and the Eastern Sierras. The compa...

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Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank that provides a range of commercial banking services to individuals and small to medium-sized businesses in the Central Valley and the Eastern Sierras. The compa...

How the Company Makes Money

Oak Valley Bancorp primarily makes money through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income. Net interest income is the spread between interest earned on interest-earning assets—primarily loans ...

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Oak Valley Bancorp primarily makes money through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income. Net interest income is the spread between interest earned on interest-earning assets—primarily loans ...

Oak Valley Bancorp [Ca] Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	81.73M	89.45M	87.30M	66.77M	55.23M
Gross Profit	80.92M	78.21M	81.46M	67.00M	54.90M
EBITDA	30.65M	33.29M	41.40M	30.84M	22.82M
Net Income	23.91M	24.95M	30.85M	22.90M	16.34M
Balance Sheet
Total Assets	2.03B	1.90B	1.84B	1.97B	1.96B
Cash, Cash Equivalents and Short-Term Investments	746.63M	213.55M	698.15M	943.24M	998.22M
Total Debt	7.62M	0.00	0.00	0.00	0.00
Total Liabilities	1.82B	1.72B	1.68B	1.84B	1.82B
Stockholders Equity	207.97M	183.44M	166.09M	126.63M	142.61M
Cash Flow
Free Cash Flow	24.56M	23.86M	31.16M	21.62M	10.21M
Operating Cash Flow	28.67M	25.64M	33.06M	22.81M	11.19M
Investing Cash Flow	-57.20M	-114.70M	-79.50M	-376.18M	103.76M
Financing Cash Flow	91.97M	41.25M	-166.62M	4.74M	436.66M

Oak Valley Bancorp [Ca] Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 30.21
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OVLY, the sentiment is Positive. The current price of 30.21 is below the 20-day moving average (MA) of 32.05, below the 50-day MA of 32.49, and above the 200-day MA of 29.08, indicating a bullish trend. The MACD of 0.18 indicates Negative momentum. The RSI at 61.54 is Neutral, neither overbought nor oversold. The STOCH value of 88.25 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OVLY.

Oak Valley Bancorp [Ca] Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OVLY	73 Outperform	$286.14M	10.36	12.74%	1.99%	5.50%	-5.19%
NWFL	70 Outperform	$337.52M	9.26	12.03%	4.21%	-4.66%	-58.94%
FUNC	69 Neutral	$248.29M	9.91	12.61%	2.38%	11.72%	55.87%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
WNEB	62 Neutral	$273.11M	12.15	5.51%	2.18%	7.37%	27.35%
FVCB	58 Neutral	$278.12M	11.43	8.92%	0.87%	16.68%	322.32%

Oak Valley Bancorp [Ca] Corporate Events