Oak Valley Bancorp (CA) (OVLY) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Oak Valley Bancorp (CA)

NasdaqCM•Financial Services•Banks - Regional

$34.88+0.37(0.01%)Market closed

Market Cap

$286.16M

P/E

12.2x

P/S

3.4x

P/B

1.3x

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 accepts deposits through checking and savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. It also provides commercial real estate loans, commercial business lending and trade finance, and small business administration lending, as well as consumer loans, including automobile loans, home mortgages, credit lines, and other personal loans. In addition, the company offers Internet, online, and mobile banking services; automated teller machines; and remote deposit capture, merchant, night depository, extended hours, wire transfer of funds, and note collection services. Oak Valley Bancorp was incorporated in 1990 and is headquartered in Oakdale, California.

How this company scores

GoodMetricSide Score: 61/100

Strongest: Cash & Earnings Quality (23/25); weakest: Balance Sheet & Red Flags (10/25).

Profitability14/25

Growth14/25

Balance Sheet & Red Flags10/25

Cash & Earnings Quality23/25

Strengths

Strong marginsCash-backed earningsConsistent free cash flowConsistent growth

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.2x5y range 6.0x – 12.2x

Currently above its 20-quarter median.

P/S · 3.4x5y range 2.5x – 3.4x

Currently near its 20-quarter median.

P/B · 1.3x5y range 1.0x – 1.5x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Margin Pressure

Watch

Operating margins declined 11.7% — watch for continued compression, which may signal competitive or cost pressure.

Price & Volume

Market Cap $286.16M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $83.84M
Q. Revenue: $20.61M
TTM EBITDA: $32.09M
TTM Op. Income: $29.92M
Q. Op. Income: $6.43M
TTM Net Income: $23.45M
Q. Net Income: $5.11M
EPS: $0.62
Shares Out.: $8.27M

$83.84M in TTM revenue grew 7.4% YoY, reaching $20.61M last quarter. TTM EBITDA of $32.09M and TTM operating income of $29.92M show growth is flowing through to the bottom line. TTM net income of $23.45M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 6 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 82.8%
EBITDA Margin: 33.1%
Op. Margin: 31.2%
Net Margin: 24.8%

Op. margin of 31.2% is down 4.9% YoY — costs are rising relative to revenue. Net margin at 24.8% and gross margin of 82.8% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has fallen for 3 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.2x
P/S Ratio: 3.4x
P/B Ratio: 1.3x

At 12.2x P/E, the stock trades below typical market levels. P/S of 3.4x and P/B of 1.3x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has risen for 5 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.00B
Cash: $194.80M
Long-Term Debt: N/A
Book Value: $217.03M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $3.61M
TTM Free Cash Flow: $25.00M
FCF Margin: 29.8%
FCF / Net Income: 1.1

TTM FCF of $25.00M on $3.61M in operating cash flow. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 9% — a weakening trend.