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Oak Valley Bancorp(NASDAQ) OVLY

Market Cap$274.36MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1997)+2,644%
5 Year+106%
1 Year+21%
1 Month-4%
$33.12
+1.56%
+0.51Today
Oak Valley Bancorp last closing stock price
MetricPriceDate
Last closeUSD 32.612026-07-24
Oak Valley Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-2.57%USD 33.472026-07-17
1 month-3.92%USD 33.942026-06-24
3 month-3.45%USD 33.782026-04-24
Year to date+9.77%USD 29.712025-12-31
1 year+21.3%USD 26.882025-07-24
3 year+24.64%USD 26.162023-07-25
5 year+106.48%USD 15.792021-07-23
Since inception+2,644.19%USD 1.191997-02-11

Oak Valley Bancorp Financials at a Glance

Market Cap

$274.36MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$87.16M

Net Income (TTM)

$23.45M

EPS (TTM)

$2.82

P/E Ratio

11.57

Dividend

$0.68

Beta (Volatility)

0.50 (Low)

Price

$33.12

Volume

2,162

Open

$33.50

Previous Close

$33.12

Daily Range

$32.49 - $33.50

52-Week Range

$25.41 - $35.97

Estimated Earnings Date

Jul 22, 2026

OVLY News

No articles available.

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About Oak Valley Bancorp

Oak Valley Bancorp helps local people and businesses manage money and access loans. Its checking accounts and business loans support daily needs and growth. The bank’s services are designed for individuals and small to medium-sized companies in California.

Products and Services

  • Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses (revenue breakdown not disclosed).
  • Commercial Lending: Commercial real estate loans, including construction loans, made up approximately 88% of the loan portfolio as of December 31, 2025.
  • Consumer Loans: Home mortgages, auto loans, and personal credit lines for individuals (about 3% of total loans).
  • Online and Mobile Banking: Digital tools for account management, payments, and deposits (revenue breakdown not disclosed).
  • Other Banking Services: Merchant services, wire transfers, ATMs, and night depository for business and personal use.

Growth and Expansion

  • Opened two new branches in 2025, reaching 19 full-service locations in California.
  • Expanded digital banking and cybersecurity investments since 2023 to meet customer demand.
  • Increased participation in low-income housing tax credit funds to support community lending since 2024.
  • No major acquisitions or international expansion reported as of 2025.

What Makes Oak Valley Bancorp Stand Out

The company focuses on relationship-based banking in California’s Central Valley and Eastern Sierras. Its loan portfolio is heavily weighted toward commercial real estate, with strict risk controls. Oak Valley Bancorp invests in technology and branch expansion to serve local needs.

Five Things You Need to Know

  • Total revenue was $21 million in Q4 2025, down 7.2% year-over-year.
  • Net income was $23.9 million in 2025, down 4.2% from 2024.
  • Total assets reached $2.02 billion at year-end 2025, up 6.4% from 2024.
  • Commercial real estate loans made up 88% of the loan portfolio in 2025.
  • Return on average assets was 1.23% in 2025, down from 1.35% in 2024.

Bottom Line

Oak Valley Bancorp has grown by focusing on local banking and conservative lending. Its steady expansion and technology upgrades support its role in California’s regional banking market.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

246

CEO

Christopher M. Courtney, MBA

Website

www.ovcb.com

Headquarters

Oakdale, CA 95361, US

OVLY Financials

Key Financial Metrics (TTM)

Gross Margin

94.71%

Operating Margin

34.33%

Net Income Margin

26.91%

Return on Equity

11.75%

Return on Capital

14.74%

Return on Assets

1.17%

Earnings Yield

8.64%

Dividend Yield

2.07%

Payout Ratio

24.14%

Stock Overview

Market Cap

$274.36MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

8.41M

Volume

2.16K

Avg. Volume

48.74K

Financials (TTM)

Gross Profit

$82.55M

Operating Income

$29.92M

EBITDA

$30.85M

Operating Cash Flow

$28.76M

Capital Expenditure

-$2.98M

Free Cash Flow

$25.78M

Cash & ST Invst.

$155.55M

Total Debt

$0.00

Oak Valley Bancorp Performance Analysis

Oak Valley Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 66,291,00020.2%
20232023-12-31USD 87,338,00031.7%
20242024-12-31USD 89,523,0002.5%
20252025-12-31USD 94,903,0006.0%
Oak Valley Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-305.9%
Q42025-12-31-13.1%
Q12026-03-31-2.4%
Q22026-06-30-0.8%
Oak Valley Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.7939.7%
20232023-12-31USD 3.7534.3%
20242024-12-31USD 3.02-19.4%
20252025-12-31USD 2.88-4.5%
Oak Valley Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3020.9%
Q42025-12-31-6.2%
Q12026-03-31-15.8%
Q22026-06-30-4.7%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$20.61M

-10.9%

Gross Profit

$20.59M

+3.7%

Gross Margin

99.90%

N/A

Market Cap

$274.36MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.12M

N/A

Employees

245

N/A

Net Income

$5.11M

-8.5%

EBITDA

$6.43M

-13.5%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$155.55M

-35.8%

Total Debt

$0.00

N/A

Accounts Receivable

$8.47M

N/A

Inventory

$0.00

N/A

Long Term Debt

$0.00

N/A

Short Term Debt

$0.00

N/A

Return on Assets

1.17%

N/A

Return on Invested Capital

13.05%

N/A

Free Cash Flow

$7.85M

+15.6%

Operating Cash Flow

$8.06M

+1.1%

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Questions About OVLY

What is the current price of Oak Valley Bancorp?

Oak Valley Bancorp is trading at $33.12 per share.

What is the 52-week range for Oak Valley Bancorp?

Over the past 52 weeks, Oak Valley Bancorp has traded between $25.41 and $35.97.

How much debt does Oak Valley Bancorp have?

As of the most recent reporting period, Oak Valley Bancorp reported total debt of $0.00.

How much cash does Oak Valley Bancorp have on hand?

Oak Valley Bancorp does not have cash on hand data available.

What is Oak Valley Bancorp’s dividend yield?

Oak Valley Bancorp currently has a dividend yield of 2.07%.

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