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Oak View Bankshares, Inc. OAKV

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19.30 USD +0.10 (+0.52%)

Nov 4, 2026, 9:30 AM EST

19.30 Day range 19.30
13.06 52-week range 20.00
YTD
+37.86%
1 year
+45.99%

Financial health

Altman Z-Score

0.03 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-3 / 5 overall

  • DCF 1
  • Return on Equity 5
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 4
  • P/B 2

Valuation

P/E 6.5×
FY 2016: 15.4×FY 2017: 28.3×FY 2018: 13.1×FY 2019: 13.3×FY 2020: 10.5×FY 2021: 11.3×FY 2022: 9.2×FY 2023: 6.1×FY 2024: 7.2×FY 2025: 6.5×
FY 2016 5y median 7.2× FY 2025
P/S 1.1×
FY 2016: 2.1×FY 2017: 2.6×FY 2018: 2.6×FY 2019: 2.9×FY 2020: 1.9×FY 2021: 2.2×FY 2022: 1.7×FY 2023: 1.5×FY 2024: 1.1×FY 2025: 1.1×
FY 2016 5y median 1.5× FY 2025
P/B 0.8×
FY 2016: 0.9×FY 2017: 1.2×FY 2018: 1.0×FY 2019: 1.1×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 1.0×FY 2023: 0.8×FY 2024: 1.1×FY 2025: 0.8×
FY 2016 5y median 1.0× FY 2025
P/FCF 20.7×
FY 2016: 11.3×FY 2017: 21.1×FY 2018: 11.6×FY 2019: 13.7×FY 2020: -0.5×FY 2021: 16.5×FY 2022: 5.8×FY 2023: -13.8×FY 2024: -16.5×FY 2025: 20.7×
FY 2016 5y median 5.8× FY 2025
EV/EBITDA 16.7×
FY 2016: 160×FY 2017: 254×FY 2018: 11.3×FY 2019: 13.7×FY 2020: 10.4×FY 2021: -2.2×FY 2022: 15.3×FY 2023: 12.4×FY 2024: 11.9×FY 2025: 16.7×
FY 2016 5y median 12.4× FY 2025
EV/Sales 3.3×
FY 2016: 4.5×FY 2017: 5.2×FY 2018: 3.0×FY 2019: 4.1×FY 2020: 2.4×FY 2021: -0.6×FY 2022: 3.6×FY 2023: 3.9×FY 2024: 2.4×FY 2025: 3.3×
FY 2016 5y median 3.3× FY 2025
FCF Yield 4.8%
FY 2016: 8.8%FY 2017: 4.7%FY 2018: 8.7%FY 2019: 7.3%FY 2020: -194.0%FY 2021: 6.1%FY 2022: 17.3%FY 2023: -7.2%FY 2024: -6.1%FY 2025: 4.8%
FY 2016 5y median 4.8% FY 2025

Profitability

Gross Margin 52.7%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 178.5%FY 2024: 52.4%FY 2025: 52.7%
FY 2016 5y median 100.0% FY 2025
Operating Margin 19.8%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 24.6%FY 2019: 27.5%FY 2020: 21.0%FY 2021: 24.1%FY 2022: 23.8%FY 2023: 31.6%FY 2024: 25.6%FY 2025: 19.8%
FY 2016 5y median 24.1% FY 2025
Net Margin 16.4%
FY 2016: 13.7%FY 2017: 9.2%FY 2018: 19.7%FY 2019: 22.0%FY 2020: 17.6%FY 2021: 19.2%FY 2022: 19.0%FY 2023: 25.2%FY 2024: 15.9%FY 2025: 16.4%
FY 2016 5y median 19.0% FY 2025
ROE 12.5%
FY 2016: 5.8%FY 2017: 4.1%FY 2018: 7.8%FY 2019: 8.5%FY 2020: 7.7%FY 2021: 8.6%FY 2022: 11.3%FY 2023: 12.9%FY 2024: 15.9%FY 2025: 12.5%
FY 2016 5y median 12.5% FY 2025
ROIC 0.8%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: -15.0%FY 2019: -11.9%FY 2020: 0.7%FY 2021: 1.0%FY 2022: 1.0%FY 2023: 1.5%FY 2024: 1.8%FY 2025: 0.8%
FY 2016 5y median 1.0% FY 2025
ROA 0.8%
FY 2016: 0.6%FY 2017: 0.4%FY 2018: 0.7%FY 2019: 0.8%FY 2020: 0.7%FY 2021: 0.7%FY 2022: 0.6%FY 2023: 0.7%FY 2024: 0.9%FY 2025: 0.8%
FY 2016 5y median 0.7% FY 2025

Growth (YoY)

Revenue 15.4%
FY 2016: 0.0%FY 2017: 10.1%FY 2018: -3.3%FY 2019: 5.6%FY 2020: 23.7%FY 2021: 12.0%FY 2022: 25.0%FY 2023: 4.1%FY 2024: 128.7%FY 2025: 15.4%
FY 2016 FY 2025
Operating Income -10.7%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 18.2%FY 2020: -5.8%FY 2021: 28.8%FY 2022: 23.5%FY 2023: 38.2%FY 2024: 85.3%FY 2025: -10.7%
FY 2016 FY 2025
EPS (diluted) 3.9%
FY 2016: 0.0%FY 2017: -25.6%FY 2018: 103.4%FY 2019: 18.6%FY 2020: -1.4%FY 2021: 21.7%FY 2022: 22.6%FY 2023: 38.8%FY 2024: 44.8%FY 2025: 3.9%
FY 2016 FY 2025
Free Cash Flow 185.2%
FY 2016: 0.0%FY 2017: -26.7%FY 2018: 74.7%FY 2019: 1.7%FY 2020: -2178.6%FY 2021: 104.1%FY 2022: 188.6%FY 2023: -138.4%FY 2024: -42.8%FY 2025: 185.2%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.5×FY 2017: 0.3×FY 2018: 0.5×FY 2019: 0.3×FY 2020: 15.5×FY 2021: 0.6×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.5×FY 2017: 0.3×FY 2018: 1.1×FY 2019: 1.1×FY 2020: 15.5×FY 2021: 0.6×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 1.8×
FY 2016: 0.9×FY 2017: 1.0×FY 2018: 1.1×FY 2019: 1.2×FY 2020: 0.6×FY 2021: 0.5×FY 2022: 1.5×FY 2023: 1.5×FY 2024: 1.7×FY 2025: 1.8×
FY 2016 5y median 1.5× FY 2025
Net Debt / EBITDA 11.4×
FY 2016: 85.6×FY 2017: 127×FY 2018: 1.8×FY 2019: 3.9×FY 2020: 2.3×FY 2021: -10.7×FY 2022: 8.0×FY 2023: 7.5×FY 2024: 6.2×FY 2025: 11.4×
FY 2016 5y median 7.5× FY 2025
Interest Coverage 0.4×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 1.1×FY 2019: 1.0×FY 2020: 6.9×FY 2021: 15.0×FY 2022: 4.4×FY 2023: 1.9×FY 2024: 0.0×FY 2025: 0.4×
FY 2016 5y median 1.9× FY 2025

Dividends

Dividend Yield 1.7%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.4%FY 2022: 0.5%FY 2023: 1.1%FY 2024: 1.3%FY 2025: 1.7%
FY 2016 5y median 1.1% FY 2025
Payout Ratio 10.9%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 4.7%FY 2022: 4.8%FY 2023: 7.0%FY 2024: 9.7%FY 2025: 10.9%
FY 2016 5y median 7.0% FY 2025

Annual · latest fiscal year ends 2025-12-31