Oak Valley Bancorp
General ticker "OVLY" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $245.8M (TTM average)
Oak Valley Bancorp follows the US Stock Market performance with the rate: 47.4%.
Estimated limits based on current volatility of 1.3%: low 33.29$, high 34.20$
Factors to consider:
- Company pays dividends (semi-annually): last record date 2026-02-02, amount 0.38$ (Y2.27%)
- Total employees count: 245 (+6.1%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Real estate concentration, Economic downturns and volatility, Liquidity and credit risks, Cybersecurity threats, Regulatory and compliance
- Price in estimated range
- Earnings for 3 months up through Q1 are below our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [26.54$, 34.45$]
- 2026-12-31 to 2027-12-31 estimated range: [26.88$, 35.20$]
Financial Metrics affecting the OVLY estimates:
- Positive: with PPE of 10.5 at the end of fiscal year the price was low
- Positive: 6.62 < Operating cash flow per share per price, % of 11.46
- Positive: Operating profit margin, % of 37.50 > 18.40
- Negative: Shareholder equity ratio, % of 10.28 <= 19.19
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Negative: Investing cash flow per share per price, % of -22.86 <= -14.27
- Positive: Industry operating cash flow per share per price (median), % of 10.73 > 10.32
Short-term OVLY quotes
Long-term OVLY plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $82.43MM | $89.45MM | $81.73MM |
| Operating Expenses | $42.13MM | $57.26MM | $51.08MM |
| Operating Income | $40.31MM | $32.19MM | $30.65MM |
| Interest Expense | $4.86MM | $12.86MM | $13.31MM |
| Income(Loss) | $40.31MM | $32.19MM | $30.65MM |
| Taxes | $9.46MM | $7.24MM | $6.74MM |
| Net Income(Loss)* | $30.85MM | $24.95MM | $23.91MM |
| Stockholders Equity | $166.09MM | $183.44MM | $207.97MM |
| Assets | $1,842.42MM | $1,900.60MM | $2,023.12MM |
| Operating Cash Flow | $33.06MM | $25.64MM | $28.67MM |
| Capital expenditure | $1.89MM | $1.78MM | $4.11MM |
| Investing Cash Flow | $-79.50MM | $-114.70MM | $-57.20MM |
| Financing Cash Flow | $-166.62MM | $41.25MM | $91.97MM |
| Earnings Per Share** | $3.76 | $3.04 | $2.90 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.