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Financial Services - Banks - Regional - NASDAQ - US
$ 24.28
-1.99 %
$ 203 M
Market Cap
7.81
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one OVLY stock under the worst case scenario is HIDDEN Compared to the current market price of 24.3 USD, Oak Valley Bancorp is HIDDEN

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one OVLY stock under the base case scenario is HIDDEN Compared to the current market price of 24.3 USD, Oak Valley Bancorp is HIDDEN

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one OVLY stock under the best case scenario is HIDDEN Compared to the current market price of 24.3 USD, Oak Valley Bancorp is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart OVLY

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$32.0$32.0$31.0$31.0$30.0$30.0$29.0$29.0$28.0$28.0$27.0$27.0$26.0$26.0$25.0$25.0$24.0$24.0$23.0$23.0Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
78.2 M REVENUE
-3.05%
78.2 M OPERATING INCOME
94.04%
24.9 M NET INCOME
-19.13%
25.6 M OPERATING CASH FLOW
-22.45%
-115 M INVESTING CASH FLOW
-44.27%
41.3 M FINANCING CASH FLOW
124.76%
19.3 M REVENUE
-1.15%
19.3 M OPERATING INCOME
96.75%
6.01 M NET INCOME
-17.97%
4.26 M OPERATING CASH FLOW
-52.35%
-54.8 M INVESTING CASH FLOW
-189.27%
5.39 M FINANCING CASH FLOW
-87.65%
Balance Sheet Oak Valley Bancorp
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Current Assets 75.1 M
Cash & Short-Term Investments 75.1 M
Receivables 0
Other Current Assets 0
Non-Current Assets 3.39 M
Long-Term Investments 0
PP&E 0
Other Non-Current Assets 3.39 M
95.68 %4.32 %Total Assets$78.5m
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 0
Long-Term Debt 0
Other Non-Current Liabilities 0
Total Liabilities$0.0
EFFICIENCY
Earnings Waterfall Oak Valley Bancorp
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Revenue 78.2 M
Cost Of Revenue 0
Gross Profit 78.2 M
Operating Expenses 0
Operating Income 78.2 M
Other Expenses 53.3 M
Net Income 24.9 M
80m80m70m70m60m60m50m50m40m40m30m30m20m20m10m10m0078m078m078m(53m)25mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
100.00% OPERATING MARGIN
100.00%
31.90% NET MARGIN
31.90%
13.60% ROE
13.60%
1.31% ROA
1.31%
77.25% ROIC
77.25%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Oak Valley Bancorp
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35m35m30m30m25m25m20m20m15m15m10m10m5m5m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 24.9 M
Depreciation & Amortization 1.09 M
Capital Expenditures 0
Stock-Based Compensation 845 K
Change in Working Capital 0
Others -1.25 M
Free Cash Flow 23.9 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Oak Valley Bancorp
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OVLY has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.3 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.5000.5000.4500.4500.4000.4000.3500.3500.3000.3000.2500.2500.2000.2000.1500.1500.1000.1000.0500.0500.0000.0000.10.120.1250.130.1350.140.1450.150.160.2250.30.110.210.120.240.1250.250.130.260.1350.270.140.280.1450.290.150.300.160.320.2250.450.302015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 6
6. Ownership
Insider Ownership Oak Valley Bancorp
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Sold
0-3 MONTHS
28.4 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
24.7 K USD 1
Bought
106 K USD 4
0-3 MONTHS
183 K USD 2
3-6 MONTHS
50.9 K USD 4
6-9 MONTHS
19.2 K USD 2
9-12 MONTHS
7. News
Oak Valley Bancorp Reports 1st Quarter Results OAKDALE, Calif., April 18, 2025 (GLOBE NEWSWIRE) -- Oak Valley Bancorp (NASDAQ: OVLY) (the “Company”), the bank holding company for Oak Valley Community Bank and their Eastern Sierra Community Bank division, recently reported unaudited consolidated financial results for the first quarter of 2025. For the three months ended March 31, 2025, consolidated net income was $5,297,000, or $0.64 per diluted share (EPS). This compared to consolidated net income of $6,008,000, or $0.73 EPS, for the prior quarter and $5,727,000, or $0.69 EPS, for the same period a year ago. The net income decrease compared to prior periods was primarily due to an increase in operating expenses. globenewswire.com - 2 weeks ago
Oak Valley Community Bank Announces Commercial Banking Officer Hiring OAKDALE, Calif., April 17, 2025 (GLOBE NEWSWIRE) -- Oak Valley Community Bank, a wholly-owned subsidiary of Oak Valley Bancorp (NASDAQ: OVLY), announced that Emma Brandstad has joined the bank as a Commercial Banking Officer. She will be based in the Stockton Office located at 2935 West March Lane. globenewswire.com - 2 weeks ago
Oak Valley Community Bank Announces Promotions OAKDALE, Calif., April 17, 2025 (GLOBE NEWSWIRE) -- Oak Valley Community Bank, a wholly-owned subsidiary of Oak Valley Bancorp (NASDAQ: OVLY), announced the promotions of Greg Mulder to Vice President, Commercial Banking Officer and John Westberg to Assistant Vice President, Commercial Banking Officer. Mulder is based out of the Escalon Office and Westberg is based in Oakdale. globenewswire.com - 2 weeks ago
Oak Valley Community Bank Announces Commercial Credit Officer Hiring OAKDALE, Calif., Feb. 28, 2025 (GLOBE NEWSWIRE) -- Oak Valley Community Bank, a wholly-owned subsidiary of Oak Valley Bancorp (NASDAQ: OVLY), announced that Jean Turpen has joined the bank as Vice President, Commercial Credit Officer. She is based out of the Roseville Office located at 1478 Stone Point Drive. globenewswire.com - 2 months ago
16 Upcoming Dividend Increases Sixteen companies are boosting their dividends, with an average increase of 8.2%, signaling financial health and stability, particularly among regional banks. My investment strategy focuses on companies with consistently rising dividends and outperforming benchmarks, aiming for long-term wealth accumulation. I use data from the "U.S. Dividend Champions" spreadsheet and NASDAQ to identify companies with at least five years of dividend growth. seekingalpha.com - 3 months ago
Oak Valley Community Bank to Open New Branch in Lodi OAKDALE, Calif., Jan. 28, 2025 (GLOBE NEWSWIRE) -- Oak Valley Community Bank, a wholly owned subsidiary of Oak Valley Bancorp (NASDAQ: OVLY) recently announced it has received regulatory approval to establish its 19th full-service branch. The new office will be located at 31 South School Street in downtown Lodi and is scheduled to open mid-2025. globenewswire.com - 3 months ago
Oak Valley Bancorp Reports 4th Quarter Results and Announces Cash Dividend OAKDALE, Calif., Jan. 24, 2025 (GLOBE NEWSWIRE) -- Oak Valley Bancorp (NASDAQ: OVLY) (the “Company”), the bank holding company for Oak Valley Community Bank and their Eastern Sierra Community Bank division, recently reported unaudited consolidated financial results. For the three months ended December 31, 2024, consolidated net income was $6,008,000 or $0.73 per diluted share (EPS), as compared to $7,324,000, or $0.89 EPS, for the prior quarter and $5,865,000, or $0.71 EPS for the same period a year ago. Consolidated net income for the year ended December 31, 2024, totaled $24,948,000, or $3.02 EPS, representing a decrease of 19.1% compared to $30,848,000, or $3.75 EPS for 2023. The decrease in QTD earnings compared to the prior quarter is related to loan recoveries which resulted in the reversal of credit loss provision of $1,620,000 recorded during the third quarter of 2024. The increase over the same period a year ago is related to a credit loss provision of $1,130,000 recorded during the fourth quarter of 2023, corresponding to macro-economic conditions and loan growth of $100.8 million during the fourth quarter of 2023. Despite the positive variance related to the reversal of credit loss provisions, 2024 YTD earnings decreased compared to 2023 due to an increase in deposit interest expense and general operating expenses. globenewswire.com - 3 months ago
Oak Valley Community Bank Receives SBA Lending Accolades OAKDALE, Calif., Dec. 18, 2024 (GLOBE NEWSWIRE) -- Oak Valley Community Bank, a wholly-owned subsidiary of Oak Valley Bancorp (NASDAQ: OVLY), was recognized by Success Capital – Certified Development Corporation as their “ 2024 SBA 504 Most Active Bank .” globenewswire.com - 4 months ago
Oak Valley Community Bank Announces Commercial Banking Officer Hiring OAKDALE, Calif., Nov. 12, 2024 (GLOBE NEWSWIRE) -- Oak Valley Community Bank, a wholly-owned subsidiary of Oak Valley Bancorp (NASDAQ: OVLY), announced that David Skitarelic has joined the bank as Vice President, Commercial Banking Officer. He is based out of the Roseville Office located at 1478 Stone Point Drive. globenewswire.com - 5 months ago
Oak Valley Community Bank Receives Approval On $125,000 in Grants Submitted to Support Turlock Gospel Mission and Habitat for Humanity of Tuolumne County OAKDALE, Calif., Nov. 05, 2024 (GLOBE NEWSWIRE) -- Oak Valley Community Bank, a wholly-owned subsidiary of Oak Valley Bancorp (NASDAQ: OVLY), announced they have received approval on two 2024 AHEAD grants which were submitted to the Federal Home Loan Bank of San Francisco (FHLBank San Francisco) on behalf of Turlock Gospel Mission and Habitat for Humanity of Tuolumne County for $100,000 and $25,000, respectively. globenewswire.com - 5 months ago
Oak Valley Bancorp Reports 3rd Quarter Results OAKDALE, Calif., Oct. 18, 2024 (GLOBE NEWSWIRE) -- Oak Valley Bancorp (NASDAQ: OVLY) (the “Company”), the bank holding company for Oak Valley Community Bank and their Eastern Sierra Community Bank division, recently reported unaudited consolidated financial results. For the three months ended September 30, 2024, consolidated net income was $7,324,000, or $0.89 per diluted share (EPS), as compared to $5,889,000, or $0.71 EPS, for the prior quarter and $7,354,000, or $0.89 EPS, for the same period a year ago. Consolidated net income for the nine months ended September 30, 2024 was $18,940,000, or $2.30 EPS, compared to $24,983,000 or $3.04 EPS for the same period of 2023. globenewswire.com - 6 months ago
Oak Valley Community Bank Announces Branch Manager Hiring OAKDALE, Calif., Oct. 04, 2024 (GLOBE NEWSWIRE) -- Oak Valley Community Bank, a wholly-owned subsidiary of Oak Valley Bancorp (NASDAQ: OVLY), announced that Heather Diaz has joined the bank as Vice President, Branch Manager of the Modesto-McHenry Office, located at 3508 McHenry Avenue. globenewswire.com - 6 months ago
8. Profile Summary

Oak Valley Bancorp OVLY

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 203 M
Dividend Yield 0.00%
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 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.
Contact 125 North Third Avenue, Oakdale, CA, 95361 https://www.ovcb.com
IPO Date Oct. 15, 2003
Employees 199
Officers Mr. Michael Petrucelli Senior Vice President of Commercial Banking Mr. Jeff Hushaw Senior Vice President of Commercial Banking Mr. Richard A. McCarty President, Chief Operating Officer & Director Mr. Michael J. Rodrigues Executive Vice President & Chief Credit Officer Mr. Jeffrey A. Gall Executive Vice President, Chief Financial Officer & Corporate Secretary Mr. Bill Nunes Jr. Senior Vice President of Marketing Mr. Christopher M. Courtney Chief Executive Officer & Director