Oak Valley Bancorp is a bank holding company, which engages in the business of operating its subsidiary, Oak Valley Community Bank. The company is headquartered in Oakdale, California and currently employs 238 full-time employees. is a bank holding company of Oak Valley Community Bank (the Bank). The Bank offers a range of commercial banking services designed for both individuals and small to medium-sized businesses in the two areas, such as the Central Valley and the Eastern Sierras. The Bank offers a complement of business checking and savings accounts for its business customers. The Bank also offers commercial and real estate loans, as well as lines of credit. The company offers other services for both individuals and businesses, including online banking, remote deposit capture, mobile banking, merchant services, night depository, extended hours, wire transfer of funds, note collection, and automated teller machines in a national network. The company offers a variety of accounts for depositors, which are designed to attract both short-term and long-term deposits. These accounts include certificates of deposit, regular savings accounts, money market accounts, checking accounts, and savings accounts.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
12/31/2025
12/31/2024
12/31/2023
12/31/2022
12/31/2021
Revenue
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Revenue Growth (YoY)
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Cost of Revenue
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Gross Profit
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Selling, General & Admin
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Research & Development
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Operating Expenses
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Other Non Operating Income (Expenses)
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Pretax Income
30
30
32
40
29
21
Income Tax Expense
6
6
7
9
6
5
Net Income
23
23
24
30
22
16
Net Income Growth
-4%
-4%
-20%
36%
38%
23%
Shares Outstanding (Diluted)
8.3
8.29
8.25
8.23
8.2
8.18
Shares Change (YoY)
0%
0%
0%
0%
0%
0%
EPS (Diluted)
2.88
2.88
3.02
3.74
2.79
2
EPS Growth
-5%
-5%
-19%
34%
40%
19%
Free Cash Flow
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23
31
21
10
Free Cash Flow Per Share
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Gross Margin
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Operating Margin
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Profit Margin
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Free Cash Flow Margin
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EBITDA
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EBITDA Margin
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D&A For EBITDA
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1
1
1
1
EBIT
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EBIT Margin
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Effective Tax Rate
20%
20%
21.87%
22.5%
20.68%
23.8%
Follow-Up Questions
What are Oak Valley Bancorp's key financial statements?
According to the latest financial statement (Form-10K), Oak Valley Bancorp has a total asset of $0, Net profit of $23
What are the key financial ratios for OVLY?
Oak Valley Bancorp's Current ratio is 0, has a Net margin is 0, sales per share of $0.
How is Oak Valley Bancorp's revenue broken down by segment or geography?
Oak Valley Bancorp largest revenue segment is Banking and Related Activities, at a revenue of 82,433,000 in the most earnings release.For geography, United States is the primary market for Oak Valley Bancorp, at a revenue of 82,433,000.
Is Oak Valley Bancorp profitable?
yes, according to the latest financial statements, Oak Valley Bancorp has a net profit of $23
Does Oak Valley Bancorp have any liabilities?
no, Oak Valley Bancorp has liability of 0
How many outstanding shares for Oak Valley Bancorp?
Oak Valley Bancorp has a total outstanding shares of 0