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OVLY

Oak Valley Bancorp

OVLY

Oak Valley Bancorp • NASDAQ
$28.10 ▼ -0.21% (-0.06)
Market Cap $235.71 M
52w High $32.24
52w Low $22.70
Dividend Yield 0.60%
P/E 9.89
Volume 2.92K
Outstanding Shares 8.39M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $0 ▼ $0 ▼ $0 ▼ 0% ▼ $0.81 ▲ $271K ▼
Q2-2025 $23.124M ▲ $12.688M ▲ $5.588M ▲ 24.165% ▲ $0.68 ▲ $7.438M ▲
Q1-2025 $22.729M ▼ $12.624M ▲ $5.297M ▼ 23.305% ▼ $0.64 ▼ $7.068M ▼
Q4-2024 $22.942M ▼ $11.548M ▲ $6.008M ▼ 26.188% ▼ $0.73 ▼ $8.008M ▼
Q3-2024 $22.992M $11.324M $7.324M 31.855% $0.89 $10.062M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $756.131M ▲ $793.043M ▼ $1.797B ▲ $198.28M ▲
Q2-2025 $153.04M ▼ $1.921B ▼ $1.735B ▼ $185.805M ▲
Q1-2025 $242.15M ▲ $1.924B ▲ $1.741B ▲ $183.52M ▲
Q4-2024 $213.553M ▼ $1.901B ▲ $1.717B ▲ $183.436M ▼
Q3-2024 $683.569M $1.9B $1.715B $185.393M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $6.693M ▲ $7.138M ▲ $-19.925M ▼ $61.082M ▲ $48.295M ▲ $9.901M ▲
Q2-2025 $5.588M ▲ $5.584M ▼ $-13.672M ▼ $-2.351M ▼ $-10.439M ▼ $4M ▼
Q1-2025 $5.297M ▼ $7.968M ▲ $17.425M ▲ $15.155M ▲ $40.548M ▲ $6.789M ▲
Q4-2024 $6.008M ▼ $4.255M ▼ $-54.8M ▼ $5.389M ▼ $-45.156M ▼ $3.387M ▼
Q3-2024 $7.324M $8.93M $-18.944M $43.621M $33.607M $8.747M

Five-Year Company Overview

Income Statement

Income Statement Oak Valley’s revenue has grown nicely over the past few years and then flattened more recently, which is common as interest rate conditions change. Profitability improved meaningfully from the early pandemic period and seems to have peaked in the prior year, with a step down in the latest year but still comfortably above earlier levels. That suggests the core business remains healthy, but rising funding costs or loan yields normalizing are likely squeezing margins a bit. Overall, earnings look solid for a community bank, with some recent pressure after an unusually strong period.

Balance Sheet

Balance Sheet The balance sheet looks conservative and stable. Total assets have expanded from earlier years and are now mostly holding steady, which fits a measured, organic growth strategy. Cash levels spiked earlier and have since been drawn down to more typical levels, but not in a worrying way. Notably, the bank reports no traditional debt, and equity has been building over time. This points to a well-capitalized, low-leverage profile, relying largely on deposits rather than wholesale borrowing.

Cash Flow

Cash Flow Cash generation from operations has been consistently positive and has trended upward from the early years of the period. Free cash flow closely tracks operating cash flow, because capital spending is modest, reflecting the relatively asset-light, branch-based nature of a community bank. This pattern suggests the bank converts its earnings into cash reliably and does not require heavy ongoing investment to sustain its current operations, leaving room for dividends, organic growth, or balance-sheet strengthening as management sees fit.

Competitive Edge

Competitive Edge Oak Valley competes as a classic community bank with a strong local franchise in California’s Central Valley and Eastern Sierra. Its edge comes less from technology and more from deep relationships, local decision-making, and a reputation for prudent lending, including a very clean credit record. The bank focuses on small and mid-sized businesses, agriculture, and commercial real estate, supported by specialized SBA lending and a business treasury platform. The main risks are its geographic concentration and the fact that it faces larger competitors with more advanced digital offerings, but its “hyper-local” approach and sticky deposits provide a meaningful buffer.

Innovation and R&D

Innovation and R&D The bank is a disciplined follower rather than a front-line innovator. It offers the standard digital tools customers now expect—online and mobile banking, remote deposit, and a business cash management platform—but nothing that clearly stands out as proprietary. User feedback suggests its technology is serviceable rather than best-in-class. Management has flagged ongoing digital enhancements, which should gradually improve the experience, but innovation here is evolutionary, not disruptive. Most of the bank’s “R&D” energy appears to go into refining products and processes around its relationship banking model, not into cutting-edge fintech.

Summary

Oak Valley Bancorp presents as a steady, conservatively run community bank with solid profitability and a strong balance sheet. Earnings have grown meaningfully over the past several years, though the latest period shows some normalization after an unusually strong year. The bank avoids heavy leverage, maintains growing equity, and generates cash in line with its reported profits. Its core strength is a deeply embedded local presence, strong credit discipline, and relationship-based service, especially for small businesses and agriculture. The main watchpoints are its narrower geographic footprint, reliance on a more traditional banking model, and the need to keep improving its digital capabilities to stay competitive as customer expectations continue to rise.

NEWS

November 4, 2025 · 5:42 PM UTC

Oak Valley Community Bank Receives Approval to Award City Ministry Network a $150,000 Grant Supporting Workforce Development

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October 22, 2025 · 7:11 PM UTC

Oak Valley Bancorp Reports 3rd Quarter Results

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October 7, 2025 · 1:59 PM UTC

Oak Valley Community Bank Welcomes Hardip Sheena as Vice President, Branch Manager of Modesto–McHenry

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October 2, 2025 · 4:25 PM UTC

Oak Valley Community Bank Opens Lodi Branch

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September 23, 2025 · 10:37 PM UTC

Oak Valley Community Bank Announces Branch Manager Hiring

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