OVLY - NASDAQ
Oak Valley Bancorp
$32.64
-3.5%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.
At a Glance
Live SnapshotOak Valley Bancorp Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Outstanding operational efficiency. The company generates substantial profit from core operations.
Net Profit Margin
Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.
Oak Valley Bancorp Income Statement
OVLY • NASDAQ
| Oak Valley Bancorp Income Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||||||||||||
81.7M | 89.4M | 87.3M | 66.8M | 55.2M | 50.9M | 47.6M | 44.9M | 41.2M | 36.7M | 30.1M | 29.7M | 28.4M | 29.1M | 29.6M | 30.7M | 31.9M | 31.8M | 34M | 30.4M | |
GROSS PROFIT | ||||||||||||||||||||
(805K) | (11.2M) | (5.8M) | -231K | (336K) | (3.3M) | (2.1M) | (2.2M) | (1.4M) | (1.2M) | (490K) | -1.2M | (1.1M) | (2.3M) | (3.1M) | (6.9M) | (11.5M) | (10.9M) | (13.6M) | (12M) | |
80.9M | 78.2M | 81.5M | 67M | 54.9M | 47.6M | 45.5M | 42.7M | 39.8M | 35.5M | 29.6M | 30.9M | 27.3M | 26.8M | 26.4M | 23.8M | 20.4M | 20.8M | 20.5M | 18.4M | |
OPERATING INCOME | ||||||||||||||||||||
(50.3M) | (46M) | (41.2M) | (37.3M) | (33.2M) | (29.9M) | (28.8M) | (27.4M) | (24.6M) | (24.3M) | (22.7M) | (20.2M) | (18.7M) | (18.2M) | (17.4M) | (16.8M) | (18.2M) | (17.9M) | (14.2M) | (12.2M) | |
(0.0) | (28.6M) | (26.1M) | (23M) | (20.2M) | (18M) | (17.4M) | (16.3M) | (14.1M) | (13.6M) | (11.7M) | (11.1M) | (10M) | (10M) | (9.3M) | (9.4M) | (8.7M) | (10.4M) | (9.4M) | (7.6M) | |
30.7M | 32.2M | 40.3M | 29.7M | 21.7M | 17.7M | 16.7M | 15.3M | 15.2M | 11.1M | 7M | 10.7M | 8.6M | 8.6M | 9M | 7M | 2.2M | 3M | 6.3M | 6.2M | |
PRE-TAX INCOME | ||||||||||||||||||||
(13.3M) | (12.9M) | (4.9M) | (1.1M) | (971K) | (1.2M) | (1.6M) | (1.6M) | (1.1M) | (764K) | (615K) | (647K) | (827.7K) | (1.1M) | (1.6M) | (2.9M) | (5.6M) | (8.7M) | (13M) | (11.4M) | |
74.6M | 70M | 75.8M | 60.1M | 48.8M | 45M | 41M | 38.6M | 34.2M | 31.5M | 25.4M | 25.3M | 24.3M | 24.8M | 25.2M | 25M | 23.6M | 20.5M | 18.8M | 17.3M | |
(50.3M) | (17.4M) | (15M) | (14.3M) | (13M) | (11.9M) | (11.4M) | (11.1M) | (10.5M) | (10.8M) | (11M) | (9.1M) | (8.7M) | (8.2M) | (8.1M) | (7.4M) | (9.5M) | (7.5M) | (4.8M) | (4.6M) | |
30.7M | 32.2M | 40.3M | 29.7M | 21.7M | 17.7M | 16.7M | 15.3M | 15.2M | 11.1M | 7M | 10.7M | 8.6M | 8.6M | 9M | 7M | 2.2M | 3M | 6.3M | 6.2M | |
NET INCOME | ||||||||||||||||||||
(6.7M) | (7.2M) | (9.5M) | (6.8M) | (5.3M) | (4.1M) | (4.2M) | (3.8M) | (6.1M) | (3.5M) | (2.1M) | (3.6M) | (2.7M) | (2.8M) | (3.2M) | (2.4M) | (203K) | (822K) | (2.3M) | (2.4M) | |
23.9M | 24.9M | 30.8M | 22.9M | 16.3M | 13.7M | 12.5M | 11.5M | 9.1M | 7.7M | 4.9M | 7.1M | 5.9M | 5.8M | 5.9M | 4.6M | 2M | 2.2M | 3.9M | 3.8M |
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 | |
DEF 14A DEF 14A 2026 N/A | April 29, 2026 | June 16, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 22, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 25, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 27, 2026 | January 26, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 26, 2026 | January 23, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 13, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 23, 2025 | October 22, 2025 | 2025 | |
10-Q 10-Q 2025 Q2 Q2 | August 13, 2025 | June 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | July 21, 2025 | July 18, 2025 | 2025 |
Related Guides
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Research Paths
Snapshot
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Value Model
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Statements
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Earnings Call
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Dividends
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Analyst Expectations
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