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 16 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).
Higher interest expense is absorbing much of recent balance-sheet expansion, leaving cash-backed earnings but lower returns on shareholder capital.
Over the last two years, equity grew faster than profit; leverage improved to 8.7x while ROE compressed to11.5% . That pairing shows capital was added faster than earnings power, so the bank is carrying a thicker loss-absorbing cushion but generating less from each dollar of shareholder capital.
Latest-year cash conversion stayed healthy: operating cash flow was
The main operating shift is that balance-sheet growth is no longer translating cleanly into shareholder earnings because the cost of funding that balance sheet is higher. Interest expense climbed from
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Oak Vally Bancrp'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 Vally Bancrp's revenue grew 6.1% year-over-year to $87.9M, a solid pace of expansion. This earns a growth score of 41/100.
Oak Vally Bancrp has elevated debt relative to equity (D/E of 8.73), 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 27.9% of revenue into free cash flow ($24.6M). This strong cash generation earns a score of 100/100.
Oak Vally Bancrp's ROE of 11.5% shows moderate profitability relative to equity, earning a score of 41/100. This is down from 13.6% 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 $1.20 in operating cash flow ($28.7M OCF vs $23.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Oak Vally Bancrp generated $87.9M in revenue in fiscal year 2025. This represents an increase of 6.1% from the prior year.
Oak Vally Bancrp reported $23.9M in net income in fiscal year 2025. This represents a decrease of 4.1% from the prior year.
Oak Vally Bancrp earned $2.88 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 4.6% from the prior year.
Cash & Balance Sheet
Oak Vally Bancrp generated $24.6M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 2.9% from the prior year.
Oak Vally Bancrp held $232.2M in cash against $0 in long-term debt as of fiscal year 2025.
Oak Vally Bancrp paid $0.60 per share in dividends in fiscal year 2025. This represents an increase of 33.3% from the prior year.
Oak Vally Bancrp had 8M shares outstanding in fiscal year 2025. This represents an increase of 0.4% from the prior year.
Margins & Returns
Oak Vally Bancrp's net profit margin was 27.2% in fiscal year 2025, showing the share of revenue converted to profit. This is down 2.9 percentage points from the prior year.
Oak Vally Bancrp's ROE was 11.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.1 percentage points from the prior year.
Capital Allocation
Oak Vally Bancrp invested $4.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 130.9% from the prior year.
OVLY Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $22.9M+1.6% | $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 |
| 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 | $7.5M-4.0% | $7.9M+2.1% | $7.7M-0.7% | $7.8M+11.7% | $6.9M-3.3% | $7.2M-0.3% | $7.2M-1.7% | $7.3M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $3.4M+2.7% | $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 |
| Income Tax | $1.8M-0.9% | $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 |
| Net Income | $6.3M-5.3% | $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 |
| EPS (Diluted) | N/A | $0.81+20.9% | $0.67+4.7% | $0.64 | N/A | $0.89+25.4% | $0.71+2.9% | $0.69 |
OVLY Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.0B+1.4% | $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 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $232.2M-6.1% | $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 |
| 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 | $3.3M | N/A | N/A | N/A | $3.3M | N/A | N/A | N/A |
| Total Liabilities | $1.8B+1.0% | $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 |
| 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 | $208.0M+4.9% | $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 |
| Retained Earnings | $194.4M+3.4% | $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 |
OVLY Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $8.0M+11.8% | $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 |
| Capital Expenditures | $555K-29.7% | $790K-50.1% | $1.6M+34.4% | $1.2M+35.8% | $868K+374.3% | $183K-69.0% | $590K+327.5% | $138K |
| Free Cash Flow | $7.4M+16.9% | $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 |
| Investing Cash Flow | -$41.0M-105.9% | -$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 |
| Financing Cash Flow | $18.1M-70.4% | $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 |
| Dividends Paid | $0-100.0% | $2.5M | $0-100.0% | $2.5M | $0-100.0% | $1.9M | $0-100.0% | $1.9M |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
OVLY Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | 27.7%-2.0pp | 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% |
| Return on Equity | 3.0%-0.3pp | 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% |
| Return on Assets | 0.3%-0.0pp | 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% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 8.73-0.3 | 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 |
| FCF Margin | 32.5%+4.3pp | 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% |
Similar Companies
Frequently Asked Questions
What is Oak Vally Bancrp's annual revenue?
Oak Vally Bancrp (OVLY) reported $87.9M in total revenue for fiscal year 2025. This represents a 6.1% 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 6.1% year-over-year, from $82.9M to $87.9M in fiscal year 2025.
Is Oak Vally Bancrp profitable?
Yes, Oak Vally Bancrp (OVLY) reported a net income of $23.9M in fiscal year 2025, with a net profit margin of 27.2%.
What is Oak Vally Bancrp's net profit margin?
Oak Vally Bancrp (OVLY) had a net profit margin of 27.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Oak Vally Bancrp pay dividends?
Yes, Oak Vally Bancrp (OVLY) paid $0.60 per share in dividends during fiscal year 2025.
What is Oak Vally Bancrp's return on equity (ROE)?
Oak Vally Bancrp (OVLY) has a return on equity of 11.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Oak Vally Bancrp's free cash flow?
Oak Vally Bancrp (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.
What is Oak Vally Bancrp's operating cash flow?
Oak Vally Bancrp (OVLY) generated $28.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Oak Vally Bancrp's total assets?
Oak Vally Bancrp (OVLY) had $2.0B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Oak Vally Bancrp's capital expenditures?
Oak Vally Bancrp (OVLY) invested $4.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Oak Vally Bancrp's debt-to-equity ratio?
Oak Vally Bancrp (OVLY) had a debt-to-equity ratio of 8.73 as of fiscal year 2025, 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 1.2% for fiscal year 2025, 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 to 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 1.20x, 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 30 out of 100 on our Financial Profile, indicating weak 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.