Oak Valley Bancorp (OVLY) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 30, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 14, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the OVLY SEC filings page.
Oak Valley Bancorp (OVLY) reported $83.8M in revenue over the twelve months to Jun 30, 2026, up 7.4% from the prior twelve months. This page shows its 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).
Oak Valley’s 2025 growth was balance-sheet-led: cash conversion improved, but higher interest costs kept earnings below the prior peak.
The unusual FY2025 split was that revenue rose6.7% while net income fell4.1% , reflecting pressure from funding costs rather than weak reported activity. Meanwhile, operating cash flow increased11.8% and reached119.9% of net income, indicating that cash generation held up better than accounting profit.
This is a balance-sheet-heavy financial business rather than an asset-light operating model: total assets were about
Capital expenditures increased
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 5 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Oak Valley Bancorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Oak Valley Bancorp earned a return on assets of 1.2% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 1.3% the prior year. Earnings ranks banks on that return over three years, and Oak Valley Bancorp scores 80/100 among other banks.
Oak Valley Bancorp reported revenue of $81.7M in fiscal year 2025, against $76.6M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Oak Valley Bancorp scores 13/100 among other banks.
Oak Valley Bancorp funded 10.3% of its assets with shareholders' equity at the end of fiscal year 2025, holding $208.0M of equity against $2.0B of assets. Capital ranks banks on that cushion, and Oak Valley Bancorp scores 38/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Oak Valley Bancorp scores 67/100 on it among other banks.
Not available for Oak Valley Bancorp, so it is left out of the overall score, which averages the 5 of 6 dimensions that can be computed.
Oak Valley Bancorp reported net income of $23.9M in fiscal year 2025, against $24.9M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Oak Valley Bancorp scores 56/100 among other banks.
Oak Valley Bancorp passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), the one computable operating efficiency signal (asset turnover improving) passes.
Key Financial Metrics
Earnings & Revenue
Oak Valley Bancorp generated $20.6M in revenue in Q2 2026. This represents an increase of 3.8% from the same quarter a year earlier. Against the prior quarter it is down 0.8%.
Oak Valley Bancorp reported $5.1M in net income in Q2 2026. This represents a decrease of 8.5% from the same quarter a year earlier. Against the prior quarter it is down 3.7%.
Oak Valley Bancorp earned $0.61 per diluted share (EPS) in Q2 2026. This represents a decrease of 9.0% from the same quarter a year earlier. Against the prior quarter it is down 4.7%.
Not reported for Q2 2026.
Cash & Balance Sheet
Oak Valley Bancorp generated $3.4M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 20.3% from the same quarter a year earlier. Against the prior quarter it is down 56.9%.
Oak Valley Bancorp held $194.8M in cash as of Q2 2026; no long-term debt figure is on record for that period.
Not reported for Q2 2026.
Margins & Returns
Oak Valley Bancorp's net profit margin was 24.8% in Q2 2026, showing the share of revenue converted to profit. This is down 3.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.7 percentage points.
Oak Valley Bancorp's quarterly ROE was 2.4% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is down 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.2 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Oak Valley Bancorp invested $230K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 85.5% from the same quarter a year earlier. Against the prior quarter it is up 8.5%.
Not reported for Q2 2026.
Not reported for Q2 2026.
OVLY Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $20.6M+3.8% | $20.8M+7.0% | $21.3M+10.4% | $21.2M+8.6% | $19.9M+4.2% | $19.4M+3.5% | $19.3M-2.0% | $19.5M-4.9% |
| Interest Expense | $3.5M+8.5% | $3.4M+2.8% | $3.4M-6.9% | $3.3M-4.9% | $3.3M+10.6% | $3.3M+20.3% | $3.7M+59.1% | $3.5M+147.4% |
| Income Tax | $1.3M-16.7% | $1.5M-0.1% | $1.8M+5.8% | $1.8M-25.7% | $1.6M+2.2% | $1.5M-0.3% | $1.7M-10.1% | $2.5M+8.8% |
| Net Income | $5.1M-8.5% | $5.3M+0.2% | $6.3M+5.4% | $6.7M-8.6% | $5.6M-5.1% | $5.3M-7.5% | $6.0M+2.4% | $7.3M-0.4% |
| EPS (Basic) | $0.62-8.8% | $0.640.0% | $0.77+4.1% | $0.81-9.0% | $0.68-5.6% | $0.64-8.6% | $0.74+4.2% | $0.89-1.1% |
| EPS (Diluted) | $0.61-9.0% | $0.640.0% | $0.76+5.6% | $0.81-9.0% | $0.67-5.6% | $0.64-7.2% | $0.72+1.4% | $0.890.0% |
| Diluted Shares (Avg) | 8M+0.6% | 8M+0.5% | N/A | 8M+0.4% | 8M+0.4% | 8M+0.4% | N/A | 8M+0.4% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
OVLY Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.0B+4.2% | $2.0B+4.5% | $2.0B+6.4% | $2.0B+5.0% | $1.9B+4.4% | $1.9B+6.6% | $1.9B+3.2% | $1.9B+3.5% |
| Cash & Equivalents | $194.8M-2.0% | $201.6M-3.7% | $232.2M+37.6% | $247.2M+15.5% | $198.9M+10.3% | $209.3M+23.3% | $168.8M-22.1% | $213.9M-23.0% |
| Goodwill | N/A | N/A | $3.3M0.0% | N/A | N/A | N/A | $3.3M0.0% | N/A |
| Total Liabilities | $1.8B+2.8% | $1.8B+3.6% | $1.8B+5.7% | $1.8B+4.8% | $1.7B+4.0% | $1.7B+6.2% | $1.7B+2.4% | $1.7B+0.9% |
| Total Equity | $217.0M+16.8% | $206.2M+12.3% | $208.0M+13.4% | $198.3M+7.0% | $185.8M+8.2% | $183.5M+9.9% | $183.4M+10.4% | $185.4M+37.2% |
| Retained Earnings | $201.7M+9.7% | $196.6M+10.2% | $194.4M+10.8% | $188.1M+11.0% | $183.9M+12.1% | $178.3M+12.7% | $175.5M+13.7% | $169.5M+14.2% |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
OVLY Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $3.6M-38.0% | $8.1M-2.2% | $8.0M+87.5% | $6.6M-25.9% | $5.8M+39.9% | $8.2M-0.5% | $4.3M-50.1% | $8.9M+617.8% |
| Depreciation & Amortization | $391K+19.2% | $391K+18.1% | $387K+13.5% | $334K+3.1% | $328K-0.6% | $331K+0.3% | $341K+4.6% | $324K-1.5% |
| Stock-Based Compensation | N/A | $252K+25.4% | N/A | N/A | N/A | $201K-16.9% | N/A | N/A |
| Capital Expenditures | $230K-85.5% | $212K-82.0% | $555K-36.1% | $790K+331.7% | $1.6M+168.5% | $1.2M+754.3% | $868K+243.1% | $183K+438.2% |
| Free Cash Flow | $3.4M-20.3% | $7.8M+11.1% | $7.4M+119.1% | $5.8M-33.4% | $4.2M+18.7% | $7.1M-13.3% | $3.4M-59.0% | $8.7M+622.9% |
| Investing Cash Flow | $7.0Mn/m | -$23.2M-235.3% | -$41.0Mn/m | -$19.4Mn/m | -$13.9Mn/m | $17.2Mn/m | -$54.8Mn/m | -$18.9Mn/m |
| Financing Cash Flow | -$17.4Mn/m | -$15.4M-201.8% | $18.1M+235.5% | $61.1M+40.0% | -$2.4M-107.3% | $15.2Mn/m | $5.4Mn/m | $43.6Mn/m |
| Dividends Paid | $0n/m | $3.1M+25.5% | $0n/m | $2.5M+33.7% | $0n/m | $2.5M+34.4% | $0n/m | $1.9M+42.0% |
Not reported in any period shown, so not listed: Share Buybacks.
OVLY Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 24.8%-3.3pp | 25.6%-1.7pp | 29.8%-1.4pp | 31.6%-5.9pp | 28.1%-2.8pp | 27.3%-3.3pp | 31.2%+1.3pp | 37.6%+1.7pp |
| Return on Equity | 2.4%-0.6pp | 2.6%-0.3pp | 3.0%-0.2pp | 3.4%-0.6pp | 3.0%-0.4pp | 2.9%-0.5pp | 3.3%-0.2pp | 4.0%-1.5pp |
| Return on Assets | 0.3%0.0pp | 0.3%0.0pp | 0.3%0.0pp | 0.3%-0.1pp | 0.3%0.0pp | 0.3%0.0pp | 0.3%0.0pp | 0.4%0.0pp |
| Liabilities-to-Equity | 8.22-1.1x | 8.75-0.7x | 8.73-0.6x | 9.06-0.2x | 9.34-0.4x | 9.49-0.3x | 9.36-0.7x | 9.25-3.3x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 16.4%-5.0pp | 37.8%+1.4pp | 34.9%+17.3pp | 27.5%-17.3pp | 21.4%+2.6pp | 36.4%-7.0pp | 17.6%-24.5pp | 44.9%+39.0pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it. Market cap is stated at each company's latest close.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Oak Valley Bancorp OVLY | FY2025 | $81.7M | $23.9M | 29.3% | $289.6M | 51/100 |
| LCNB Corporation LCNB | FY2025 | $92.0M | $23.1M | 25.1% | $281.1M | 53/100 |
| AMES National Corp ATLO | FY2025 | $66.8M | $19.0M | 28.5% | $296.8M | 46/100 |
| Western New England Bancorp, Inc. WNEB | FY2025 | $82.6M | $15.3M | 18.5% | $277.0M | 36/100 |
| Virginia National Bankshares Corporation VABK | FY2025 | $57.6M | $19.3M | 33.4% | $279.6M | 56/100 |
| FIRST NATL CORP STRASBURG VA FXNC | FY2025 | $90.3M | $17.7M | 19.6% | $275.4M | 41/100 |
Where Oak Valley Bancorp Ranks
Frequently Asked Questions
Oak Valley Bancorp (OVLY) reported $81.7M in total revenue for fiscal year 2025. This represents a 6.7% 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.
Oak Valley Bancorp (OVLY) revenue grew by 6.7% year-over-year, from $76.6M to $81.7M in fiscal year 2025.
Yes, Oak Valley Bancorp (OVLY) reported a net income of $23.5M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $23.9M, with a net profit margin of 29.3%.
Oak Valley Bancorp (OVLY) had a net profit margin of 29.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Yes, Oak Valley Bancorp (OVLY) paid $0.60 per share in dividends during fiscal year 2025.
Oak Valley Bancorp (OVLY) has a return on equity of 11.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
Oak Valley Bancorp (OVLY) generated $24.6M in free cash flow during fiscal year 2025. This represents a 2.9% 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.
Oak Valley Bancorp (OVLY) generated $28.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
Oak Valley Bancorp (OVLY) had $2.0B in total assets as of fiscal year 2025, including both current and long-term assets.
Oak Valley Bancorp (OVLY) invested $4.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Oak Valley Bancorp (OVLY) had a liabilities-to-equity ratio of 8.73 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.
Oak Valley Bancorp (OVLY) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
Oak Valley Bancorp (OVLY) trades at 12.4x earnings, its market capitalization divided by $23.5M net income, trailing 12 months to June 30, 2026. The market capitalization is $289.6M as of Oct 30, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
Oak Valley Bancorp (OVLY) trades at 3.5x sales, its market capitalization divided by $83.8M revenue, trailing 12 months to June 30, 2026. The market capitalization is $289.6M as of Oct 30, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
Oak Valley Bancorp (OVLY) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Oak Valley Bancorp (OVLY) scores 51 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For Oak Valley Bancorp it averages the 5 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.