Oak Vally Bancrp Financials
This page shows Oak Vally Bancrp (OVLY) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Oak Vally Bancrp's revenue grew a modest 2.8% year-over-year to $82.9M. This slow but positive growth earns a score of 36/100.
Oak Vally Bancrp has elevated debt relative to equity (D/E of 9.36), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Oak Vally Bancrp converts 28.8% of revenue into free cash flow ($23.9M). This strong cash generation earns a score of 100/100.
Oak Vally Bancrp's ROE of 13.6% shows moderate profitability relative to equity, earning a score of 54/100. This is down from 18.6% the prior year.
Oak Vally Bancrp passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Oak Vally Bancrp generates $1.03 in operating cash flow ($25.6M OCF vs $24.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Oak Vally Bancrp generated $82.9M in revenue in fiscal year 2024. This represents an increase of 2.8% from the prior year.
Oak Vally Bancrp generated $23.9M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 23.4% from the prior year.
Oak Vally Bancrp reported $24.9M in net income in fiscal year 2024. This represents a decrease of 19.1% from the prior year.
Oak Vally Bancrp earned $3.02 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 19.5% from the prior year.
Oak Vally Bancrp held $168.8M in cash against $0 in long-term debt as of fiscal year 2024.
Oak Vally Bancrp paid $0.45 per share in dividends in fiscal year 2024. This represents an increase of 40.6% from the prior year.
Oak Vally Bancrp had 8M shares outstanding in fiscal year 2024. This represents an increase of 0.8% from the prior year.
Oak Vally Bancrp's net profit margin was 30.1% in fiscal year 2024, showing the share of revenue converted to profit. This is down 8.1 percentage points from the prior year.
Oak Vally Bancrp's ROE was 13.6% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 5.0 percentage points from the prior year.
Oak Vally Bancrp invested $1.8M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 6.1% from the prior year.
OVLY Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $22.5M+5.1% | $21.4M+1.4% | $21.1M-1.8% | $21.5M+1.7% | $21.1M+4.5% | $20.2M+1.3% | $20.0M-1.1% | $20.2M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $3.3M+1.6% | $3.3M-1.3% | $3.3M-9.7% | $3.7M+5.0% | $3.5M+18.2% | $3.0M+7.3% | $2.8M+19.4% | $2.3M |
| Income Tax | $1.8M+16.2% | $1.6M+5.5% | $1.5M-12.8% | $1.7M-30.4% | $2.5M+59.9% | $1.5M+2.9% | $1.5M-21.4% | $1.9M |
| Net Income | $6.7M+19.8% | $5.6M+5.5% | $5.3M-11.8% | $6.0M-18.0% | $7.3M+24.4% | $5.9M+2.8% | $5.7M-2.4% | $5.9M |
| EPS (Diluted) | $0.81+20.9% | $0.67+4.7% | $0.64 | N/A | $0.89+25.4% | $0.71+2.9% | $0.69 | N/A |
OVLY Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.0B+3.9% | $1.9B-0.2% | $1.9B+1.3% | $1.9B0.0% | $1.9B+3.3% | $1.8B+1.9% | $1.8B-2.0% | $1.8B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $247.2M+24.3% | $198.9M-5.0% | $209.3M+24.0% | $168.8M-21.1% | $213.9M+18.6% | $180.3M+6.2% | $169.7M-21.6% | $216.6M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | $3.3M | N/A | N/A | N/A | $3.3M |
| Total Liabilities | $1.8B+3.6% | $1.7B-0.3% | $1.7B+1.4% | $1.7B+0.1% | $1.7B+2.8% | $1.7B+1.8% | $1.6B-2.2% | $1.7B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $198.3M+6.7% | $185.8M+1.2% | $183.5M0.0% | $183.4M-1.1% | $185.4M+7.9% | $171.8M+2.9% | $166.9M+0.5% | $166.1M |
| Retained Earnings | $188.1M+2.3% | $183.9M+3.1% | $178.3M+1.6% | $175.5M+3.5% | $169.5M+3.3% | $164.1M+3.7% | $158.2M+2.5% | $154.3M |
OVLY Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $7.1M+27.8% | $5.6M-29.9% | $8.0M+87.3% | $4.3M-52.4% | $8.9M+114.3% | $4.2M-49.7% | $8.3M-2.8% | $8.5M |
| Capital Expenditures | $790K-50.1% | $1.6M+34.4% | $1.2M+35.8% | $868K+374.3% | $183K-69.0% | $590K+327.5% | $138K-45.5% | $253K |
| Free Cash Flow | $6.3M+58.7% | $4.0M-41.1% | $6.8M+100.4% | $3.4M-61.3% | $8.7M+144.5% | $3.6M-56.1% | $8.1M-1.5% | $8.3M |
| Investing Cash Flow | -$19.9M-45.7% | -$13.7M-178.5% | $17.4M+131.8% | -$54.8M-189.3% | -$18.9M+27.0% | -$25.9M-72.8% | -$15.0M+65.8% | -$43.9M |
| Financing Cash Flow | $61.1M+2698.1% | -$2.4M-115.5% | $15.2M+181.2% | $5.4M-87.6% | $43.6M+34.8% | $32.3M+180.7% | -$40.1M-150.4% | -$16.0M |
| Dividends Paid | $2.5M | $0-100.0% | $2.5M | $0-100.0% | $1.9M | $0-100.0% | $1.9M | $0 |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
OVLY Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 29.7%+3.6pp | 26.1%+1.0pp | 25.1%-2.8pp | 27.9%-6.7pp | 34.6%+5.5pp | 29.1%+0.4pp | 28.6%-0.4pp | 29.0% |
| Return on Equity | 3.4%+0.4pp | 3.0%+0.1pp | 2.9%-0.4pp | 3.3%-0.7pp | 4.0%+0.5pp | 3.4%0.0pp | 3.4%-0.1pp | 3.5% |
| Return on Assets | 0.3%+0.1pp | 0.3%0.0pp | 0.3%-0.0pp | 0.3%-0.1pp | 0.4%+0.1pp | 0.3%0.0pp | 0.3%0.0pp | 0.3% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 9.06-0.3 | 9.34-0.1 | 9.49+0.1 | 9.36+0.1 | 9.25-0.5 | 9.71-0.1 | 9.82-0.3 | 10.09 |
| FCF Margin | 28.2%+9.5pp | 18.7%-13.5pp | 32.1%+16.4pp | 15.8%-25.6pp | 41.4%+23.7pp | 17.7%-23.1pp | 40.8%-0.2pp | 40.9% |
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Frequently Asked Questions
What is Oak Vally Bancrp's annual revenue?
Oak Vally Bancrp (OVLY) reported $82.9M in total revenue for fiscal year 2024. This represents a 2.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Oak Vally Bancrp's revenue growing?
Oak Vally Bancrp (OVLY) revenue grew by 2.8% year-over-year, from $80.7M to $82.9M in fiscal year 2024.
Is Oak Vally Bancrp profitable?
Yes, Oak Vally Bancrp (OVLY) reported a net income of $24.9M in fiscal year 2024, with a net profit margin of 30.1%.
What is Oak Vally Bancrp's earnings per share (EPS)?
Oak Vally Bancrp (OVLY) reported diluted earnings per share of $3.02 for fiscal year 2024. This represents a -19.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Oak Vally Bancrp's net profit margin?
Oak Vally Bancrp (OVLY) had a net profit margin of 30.1% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Oak Vally Bancrp pay dividends?
Yes, Oak Vally Bancrp (OVLY) paid $0.45 per share in dividends during fiscal year 2024.
What is Oak Vally Bancrp's return on equity (ROE)?
Oak Vally Bancrp (OVLY) has a return on equity of 13.6% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Oak Vally Bancrp's free cash flow?
Oak Vally Bancrp (OVLY) generated $23.9M in free cash flow during fiscal year 2024. This represents a -23.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Oak Vally Bancrp's operating cash flow?
Oak Vally Bancrp (OVLY) generated $25.6M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Oak Vally Bancrp's total assets?
Oak Vally Bancrp (OVLY) had $1.9B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Oak Vally Bancrp's capital expenditures?
Oak Vally Bancrp (OVLY) invested $1.8M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
How many shares does Oak Vally Bancrp have outstanding?
Oak Vally Bancrp (OVLY) had 8M shares outstanding as of fiscal year 2024.
What is Oak Vally Bancrp's debt-to-equity ratio?
Oak Vally Bancrp (OVLY) had a debt-to-equity ratio of 9.36 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Oak Vally Bancrp's return on assets (ROA)?
Oak Vally Bancrp (OVLY) had a return on assets of 1.3% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Oak Vally Bancrp's Piotroski F-Score?
Oak Vally Bancrp (OVLY) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Oak Vally Bancrp's earnings high quality?
Oak Vally Bancrp (OVLY) has an earnings quality ratio of 1.03x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Oak Vally Bancrp?
Oak Vally Bancrp (OVLY) scores 48 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.