OVLY

Oak Valley Bancorp

Financial Services · USD

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Price alert · OVLY

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34.43 USD -0.05 -0.15%
As of Oct 30, 2026 Extended hours 34.43 0.00%
Bid
34.21 × 2
Ask
34.43 × 2
33.99 Day range 34.73
27.28 52-week range 35.07
YTD
+14.54%
1 year
+25.20%
Open
34.73
Prev close
34.48
Mkt cap
289.65M
Vol
11.48K
Avg vol
20.20K
EPS
2.78
P/E
12.38
Div yield
1.61%
More statistics
Low
33.99
High
34.73
Forward P/E
0.00
Beta
0.31
Short ratio
3.30
Inst. own
32.77%
Dividend
0.45
Ex-div date
Jul 28, 2024
50-d avg
29.04
200-d avg
25.93
1y target
0.00

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Financial health

Piotroski F-Score

4 / 9 Average

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

FMP rating

B3 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 3
  • P/B 3

Valuation

P/E 10.4×
FY 2016: 13.2×FY 2017: 17.3×FY 2018: 12.8×FY 2019: 12.6×FY 2020: 9.9×FY 2021: 8.7×FY 2022: 8.1×FY 2023: 8.0×FY 2024: 9.6×FY 2025: 10.4×
FY 2016 5y median 8.7× FY 2025
P/S 3.0×
FY 2016: 2.8×FY 2017: 3.8×FY 2018: 3.3×FY 2019: 3.3×FY 2020: 2.7×FY 2021: 2.6×FY 2022: 2.8×FY 2023: 2.8×FY 2024: 2.7×FY 2025: 3.0×
FY 2016 5y median 2.8× FY 2025
P/B 1.2×
FY 2016: 1.2×FY 2017: 1.7×FY 2018: 1.5×FY 2019: 1.4×FY 2020: 1.0×FY 2021: 1.0×FY 2022: 1.5×FY 2023: 1.5×FY 2024: 1.3×FY 2025: 1.2×
FY 2016 5y median 1.3× FY 2025
P/FCF 10.1×
FY 2016: 10.9×FY 2017: 21.8×FY 2018: 11.6×FY 2019: 10.0×FY 2020: 7.7×FY 2021: 13.9×FY 2022: 8.6×FY 2023: 7.9×FY 2024: 10.1×FY 2025: 10.1×
FY 2016 5y median 10.1× FY 2025
EV/EBITDA 1.4×
FY 2016: -6.3×FY 2017: 0.9×FY 2018: 1.9×FY 2019: 1.3×FY 2020: -3.1×FY 2021: -26.0×FY 2022: -7.5×FY 2023: 1.6×FY 2024: 3.1×FY 2025: 1.4×
FY 2016 5y median 1.4× FY 2025
EV/Sales 0.5×
FY 2016: -2.1×FY 2017: 0.3×FY 2018: 0.7×FY 2019: 0.5×FY 2020: -1.2×FY 2021: -10.7×FY 2022: -3.5×FY 2023: 0.7×FY 2024: 1.1×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025
FCF Yield 9.9%
FY 2016: 9.2%FY 2017: 4.6%FY 2018: 8.7%FY 2019: 10.0%FY 2020: 13.0%FY 2021: 7.2%FY 2022: 11.7%FY 2023: 12.7%FY 2024: 9.9%FY 2025: 9.9%
FY 2016 5y median 9.9% FY 2025

Profitability

Gross Margin 99.0%
FY 2016: 96.6%FY 2017: 96.6%FY 2018: 95.2%FY 2019: 95.6%FY 2020: 93.5%FY 2021: 99.4%FY 2022: 100.3%FY 2023: 93.3%FY 2024: 87.4%FY 2025: 99.0%
FY 2016 5y median 99.0% FY 2025
Operating Margin 37.5%
FY 2016: 30.3%FY 2017: 37.0%FY 2018: 34.2%FY 2019: 35.0%FY 2020: 34.8%FY 2021: 39.2%FY 2022: 44.5%FY 2023: 46.2%FY 2024: 36.0%FY 2025: 37.5%
FY 2016 5y median 39.2% FY 2025
Net Margin 29.3%
FY 2016: 20.9%FY 2017: 22.1%FY 2018: 25.7%FY 2019: 26.2%FY 2020: 26.9%FY 2021: 29.6%FY 2022: 34.3%FY 2023: 35.3%FY 2024: 27.9%FY 2025: 29.3%
FY 2016 5y median 29.6% FY 2025
ROE 11.5%
FY 2016: 9.3%FY 2017: 10.0%FY 2018: 11.6%FY 2019: 11.1%FY 2020: 10.6%FY 2021: 11.5%FY 2022: 18.1%FY 2023: 18.6%FY 2024: 13.6%FY 2025: 11.5%
FY 2016 5y median 13.6% FY 2025
ROIC 10.4%
FY 2016: 9.3%FY 2017: 10.0%FY 2018: 11.8%FY 2019: 11.1%FY 2020: 10.6%FY 2021: 11.5%FY 2022: 18.1%FY 2023: 16.1%FY 2024: 12.2%FY 2025: 10.4%
FY 2016 5y median 12.2% FY 2025
ROA 1.2%
FY 2016: 0.8%FY 2017: 0.9%FY 2018: 1.1%FY 2019: 1.1%FY 2020: 0.9%FY 2021: 0.8%FY 2022: 1.2%FY 2023: 1.7%FY 2024: 1.3%FY 2025: 1.2%
FY 2016 5y median 1.2% FY 2025

Growth (YoY)

Revenue -8.6%
FY 2016: 21.8%FY 2017: 12.3%FY 2018: 8.9%FY 2019: 6.2%FY 2020: 6.9%FY 2021: 8.5%FY 2022: 20.9%FY 2023: 30.8%FY 2024: 2.5%FY 2025: -8.6%
FY 2016 FY 2025
Operating Income -4.8%
FY 2016: 60.0%FY 2017: 36.8%FY 2018: 0.7%FY 2019: 8.7%FY 2020: 6.3%FY 2021: 22.2%FY 2022: 37.0%FY 2023: 35.8%FY 2024: -20.1%FY 2025: -4.8%
FY 2016 FY 2025
EPS (diluted) -4.6%
FY 2016: 55.7%FY 2017: 18.9%FY 2018: 25.7%FY 2019: 8.5%FY 2020: 9.1%FY 2021: 19.0%FY 2022: 39.5%FY 2023: 34.4%FY 2024: -19.5%FY 2025: -4.6%
FY 2016 FY 2025
Free Cash Flow 2.9%
FY 2016: 219.5%FY 2017: -22.0%FY 2018: 77.5%FY 2019: 23.7%FY 2020: 10.6%FY 2021: -41.7%FY 2022: 111.8%FY 2023: 44.2%FY 2024: -23.4%FY 2025: 2.9%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.4× FY 2025
Quick Ratio 0.2×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.4× FY 2025
Debt / Equity 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA -6.4×
FY 2016: -14.4×FY 2017: -8.7×FY 2018: -7.0×FY 2019: -7.5×FY 2020: -10.2×FY 2021: -32.2×FY 2022: -13.5×FY 2023: -4.3×FY 2024: -4.2×FY 2025: -6.4×
FY 2016 5y median -6.4× FY 2025
Interest Coverage 2.3×
FY 2016: 14.6×FY 2017: 14.3×FY 2018: 9.6×FY 2019: 10.6×FY 2020: 15.4×FY 2021: 22.3×FY 2022: 26.5×FY 2023: 8.3×FY 2024: 2.5×FY 2025: 2.3×
FY 2016 5y median 8.3× FY 2025

Dividends

Dividend Yield 2.0%
FY 2016: 1.9%FY 2017: 1.3%FY 2018: 1.4%FY 2019: 1.4%FY 2020: 1.7%FY 2021: 1.7%FY 2022: 1.3%FY 2023: 1.1%FY 2024: 1.6%FY 2025: 2.0%
FY 2016 5y median 1.6% FY 2025
Payout Ratio 21.0%
FY 2016: 25.3%FY 2017: 22.2%FY 2018: 18.3%FY 2019: 17.7%FY 2020: 16.8%FY 2021: 14.6%FY 2022: 10.8%FY 2023: 8.6%FY 2024: 15.0%FY 2025: 21.0%
FY 2016 5y median 14.6% FY 2025

Annual · latest fiscal year ends 2025-12-31