OVLY - NASDAQ

Oak Valley Bancorp

OVLY·NASDAQ

$32.64

-3.5%

Financial ServicesBanks - Regional

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 company's deposits products include checking and savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. It also offers commercial real estate loans, commercial business lending and trade finance, and small business administration lending, as well as consumer loans consisting of automobile loans, home mortgage loans, revolving lines of credit, and other personal loans. In addition, the company provides online banking, remote deposit capture, mobile banking, merchant, night depository, extended hours, wire transfer of funds, and note collection services, as well as automated teller machines. As of December 31, 2021, it operated through seventeen full-service branch offices in Oakdale, Sonora, Bridgeport, Bishop, Mammoth Lakes, Modesto, Manteca, Patterson, Turlock, Tracy, Ripon, Stockton, Escalon, California, and Sacramento. The company was incorporated in 1990 and is headquartered in Oakdale, California.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$274.62M

EPS2.9000

P/E Ratio11.26

Earnings Date07/17/2026

2.02B

Assets

3Y+3.0%

5Y+34.0%

10Y+102.0%

1.82B

Total Liabilities

3Y-1.0%

5Y+31.0%

10Y+97.0%

207.97M

Total Equity

13%

3Y+64.0%

5Y+60.0%

10Y+152.0%

Oak Valley Bancorp Funding & Solvency Profile

OVLY · NASDAQ

Current Assets

Cash & Cash Equivalents203.10M

Net Receivables3.51M

Inventory0.00

Other Current Assets0.00

Total Current Assets416 M

Non-Current Assets

Property, Plant & Equipment26.29M

Goodwill & Intangible Assets3.31M

Long-Term Investments1.48B

Other Non-Current Assets80.74M

Total Non-Current Assets2 B

Total Assets

2.02B

Financial Health Analysis

Current Ratio

0.23x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

8.73x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-1376498000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

21% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Oak Valley Bancorp Balance Sheet

OVLY • NASDAQ

Oak Valley Bancorp Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	203.1M	138.5M	180.1M	415.8M	735.3M	193.6M	133.8M	116.4M	143M	179M	174.8M	132.1M	100.1M	130.8M	73.2M	28.1M	20M	9.1M	10.4M	25.2M
Short-Term Investments	209.9M	75.1M	518.1M	527.4M	262.9M	217.2M	190.1M	206.7M	179.2M	160.3M	131.5M	121.3M	117.7M	103.9M	89.7M	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	413M	213.6M	698.1M	943.2M	998.2M	410.7M	323.9M	323.1M	325.3M	339.4M	306.3M	253.4M	217.8M	234.7M	162.9M	28.1M	20M	9.1M	10.4M	25.2M
Net Receivables	3.5M	8.6M	8.4M	7.9M	4.1M	5.7M	3.5M	3.8M	3.2M	2.8M	2.4M	2M	2M	1.7M	1.7M	24M	22.2M	21.5M	14.3M	12.8M
Accounts Receivables	3.5M	3.3M	2.9M	2.5M	2.3M	4.3M	2.1M	2.1M	1.9M	1.7M	1.5M	1.3M	1.3M	1.2M	1.3M	24M	22.2M	21.5M	14.3M	12.8M
Other Receivables	0.0	5.3M	5.5M	5.5M	1.7M	1.4M	1.4M	1.7M	1.3M	1.1M	925K	753K	698K	452.3K	415.4K	0.0	0.0	0.0	0.0	0.0
Prepaids	0.0	0.0	0.0	1.5M	973K	1.1M	1.3M	1.1M	2.8M	1.1M	749K	2M	1.1M	1.1M	1.1M	0.0	0.0	0.0	0.0	0.0
Other Current Assets	0.0	0.0	0.0	0.0	0.0	0.0	-1.3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	416.5M	222.1M	706.5M	952.7M	1B	417.5M	327.4M	326.9M	328.5M	342.2M	308.7M	255.4M	219.9M	236.3M	165.7M	52.1M	42.2M	30.6M	24.7M	38M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	26.3M	23M	22.7M	23.1M	22M	20.4M	19.5M	14.9M	14.5M	13.7M	14.3M	14.1M	13.7M	13.2M	13.5M	10.2M	36.2M	11.1M	10.1M	5.5M
Goodwill	3.3M	3.3M	3.3M	3.3M	3.3M	3.3M	0.0	0.0	3.3M	3.3M	3.3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Intangible Assets	0.0	77K	160K	245K	334K	427K	3.8M	3.9M	743K	872K	1M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Goodwill & Intangible Assets	3.3M	3.4M	3.5M	3.6M	3.6M	3.7M	3.8M	3.9M	4.1M	4.2M	4.3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Long-Term Investments	1.5B	1.6B	1B	922.6M	855.6M	1B	749.5M	710.8M	656.4M	601.4M	530.8M	446.9M	411.7M	383M	387.6M	448.5M	442.5M	463M	415.6M	409.1M
Tax Assets	13.6M	15.5M	13.2M	17.1M	2.1M	1.4M	3.1M	4.1M	2.6M	4.7M	2.8M	2.6M	4.3M	1.7M	2M	0.0	0.0	0.0	0.0	0.0
Other Non-Current Assets	80.7M	76.1M	75.4M	49.3M	77.9M	63.2M	43.2M	33.1M	29.1M	34.8M	35.4M	28.6M	21.3M	25.3M	43.4M	41.6M	3.8M	3.5M	3.8M	2.6M
Total Non-Current Assets	1.6B	1.7B	1.1B	1B	961.2M	1.1B	819.1M	766.9M	706.7M	658.8M	587.5M	492.3M	450.9M	423.2M	446.4M	500.3M	482.5M	477.6M	429.6M	417.2M
Total Assets	2B	1.9B	1.8B	2B	2B	1.5B	1.1B	1.1B	1B	1B	897M	749.5M	672.1M	660.5M	612.2M	552.4M	524.7M	508.2M	454.4M	455.2M
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	27.4M	14.9M	14M	15.3M	9.4M	5.2M	5.6M	4.1M	5M	4.7M	3.6M	2.6M	3M	0.0	3M	0.0	8.7M
Accounts Payable	0.0	0.0	0.0	27.4M	14.9M	14M	15.3M	9.4M	5.2M	5.6M	4.1M	5M	4.7M	3.6M	2.6M	3M	0.0	3M	0.0	8.7M
Accrued Expenses	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	3M	2.6M	3M	3.6M	0.0
Other Current Liabilities	1.8B	1.7B	1.7B	1.8B	1.8B	1.4B	1B	986.5M	938.9M	914.1M	814.7M	669.6M	602.6M	587M	536.2M	476.7M	429.2M	378.2M	377.3M	378.5M
Total Current Liabilities	1.8B	1.7B	1.7B	1.8B	1.8B	1.4B	1B	995.8M	944.1M	919.7M	818.8M	674.6M	607.3M	590.6M	538.8M	482.7M	431.8M	384.2M	380.9M	387.2M
NON-CURRENT LIABILITIES
Long Term Debt	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	3M	8M	32.2M	69M	31M	33.6M
Other Non-Current Liabilities	22.2M	21.5M	25.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-3M	0.0	-3M	-31M	0.0
Total Non-Current Liabilities	22.2M	21.5M	25.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	3M	5M	32.2M	66M	31M	33.6M
Capital Lease Obligations	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	31M	0.0
Total Liabilities	1.8B	1.7B	1.7B	1.8B	1.8B	1.4B	1B	995.8M	944.1M	919.7M	818.8M	674.6M	607.3M	590.6M	541.8M	487.7M	464M	450.2M	411.9M	420.8M
SHAREHOLDERS' EQUITY
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	6.8M	13.5M	13M	12.8M	12.7M	0.0	0.0
Common Stock	25.4M	25.4M	25.4M	25.4M	25.4M	25.4M	25.4M	25.4M	24.8M	24.7M	24.7M	24.7M	23.8M	23.7M	23.5M	0.0	0.0	0.0	22.8M	0.0
Additional Paid-In Capital	6.8M	6.2M	5.5M	5.2M	4.7M	4.2M	3.8M	3.4M	3.6M	3.5M	3.2M	2.9M	2.5M	2.3M	2.1M	26.1M	25.9M	25.8M	24.6M	19.2M
Retained Earnings	194.4M	175.5M	154.3M	126.7M	106.3M	92.3M	81M	70.7M	61.4M	54.5M	48.8M	45.6M	39M	34M	28.6M	24M	20.2M	19.2M	17.7M	15.5M
Accumulated Other Comprehensive Income/Loss	-18.7M	-23.7M	-19.2M	-30.7M	6.2M	7.7M	2.4M	-435K	989K	-225K	1.6M	1.9M	-763K	3.2M	2.7M	1.5M	1.7M	290.2K	46.2K	-205K
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-22.8M	0.0
Total Stockholders' Equity	208M	183.4M	166.1M	126.6M	142.6M	129.7M	112.6M	99M	90.8M	82.5M	78.3M	75M	64.5M	70M	70.4M	64.7M	60.7M	58M	42.6M	34.4M
Total Equity	208M	183.4M	166.1M	126.6M	142.6M	129.7M	112.6M	99M	90.8M	82.5M	78.3M	75M	64.5M	70M	70.4M	64.7M	60.7M	58M	42.6M	34.4M
SUMMARY
Total Liabilities & Equity	2B	1.9B	1.8B	2B	2B	1.5B	1.1B	1.1B	1B	1B	897M	749.5M	672.1M	660.5M	612.2M	552.4M	524.7M	508.2M	454.4M	455.2M
Total Investments	1.7B	1.6B	1.5B	1.5B	1.1B	1.2B	939.6M	917.5M	835.6M	761.8M	662.3M	568.2M	529.4M	486.9M	477.3M	448.5M	442.5M	463M	415.6M	409.1M
Total Debt	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	3M	8M	32.2M	69M	62M	33.6M
Net Debt	-203.1M	-138.5M	-180.1M	-415.8M	-735.3M	-193.6M	-133.8M	-116.4M	-143M	-179M	-174.8M	-132.1M	-100.1M	-130.8M	-70.2M	-20.1M	12.2M	59.9M	51.6M	8.4M
Shares Outstanding	8,382,059	8,382,059	8,382,059	8,382,059	8,382,059	8,382,059	8,382,059	8,382,059	8,382,059	8,382,059	8,382,059	8,382,059	8,382,059	8,382,059	8,382,059	8,382,059	8,382,059	8,382,059	8,382,059	8,382,059

SEC Filings

OVLY - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
10-Q 10-Q 2026 Q1 Q1	May 12, 2026	March 31, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 29, 2026	June 16, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 23, 2026	April 22, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 25, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 27, 2026	January 26, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 26, 2026	January 23, 2026	2026	View Filing
10-Q 10-Q 2025 Q3 Q3	November 13, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 23, 2025	October 22, 2025	2025	View Filing
10-Q 10-Q 2025 Q2 Q2	August 13, 2025	June 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	July 21, 2025	July 18, 2025	2025	View Filing

Showing 1 to 10 of 227 filings

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