OVLY logo

OAK VALLEY BANCORP

OVLYNASDAQ
πŸ† #3431 by market capEarnings Oct 28US Equity
$464.35β–² $0.56 (+0.12%)
Simulated price
πŸ””
Track OVLY
Get earnings, price moves & breaking news on Telegram
Track
24hβ–² 0.1%
7dβ€”
14dβ€”
30dβ€”
ytdβ€”
1yβ€”
🏦Market Cap
$287M
Small Cap
πŸ“ˆRevenue Growth (YoY)
-8.6%
Declining
πŸ“ŠGross Margin
94.7%
High
πŸ’΅FCF Margin
29.4%
Strong
βš–οΈP/S Ratio
3.3x
Fair
Otter Score
76
Good
No chart data available for OVLY.

Trading Snapshot

Day Range
$459.16 – $472.30
52-Week Range
$25.41 – $35.97
Volume
$2.00B
Avg Volume
$1.50B
Shares Outstanding
8.4M
Next Earnings
Oct 19, 2026

Fundamentals Snapshot

Annual Revenue
$82M
Last Q Revenue
$21M
P/E Ratio
12.0
P/S Ratio
3.3x
EPS (TTM)
$2.83
Dividend Yield
2.20%
Dilution (1yr)
+0.3%

Why Investors Own OVLY

  • βœ“High-growth profile β€” revenue up +38.4% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 42% gross margin and 30% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

OVLY logo

OAK VALLEY BANCORP

OVLY
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$82Mβ–Ό βˆ’8.6% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
99.0%β–² +13.2% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$31Mβ–Ό βˆ’4.8% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$25Mβ–² +2.9% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
8.3Mβ–² +0.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$203Mβ–² +$65M YoY
StockOtter Β· stockotter.space

About OAK VALLEY BANCORP

Oak Valley Bancorp, functioning as the parent entity for Oak Valley Community Bank, offers a comprehensive range of commercial banking services. These services are provided to both individual clients and small to mid-sized businesses, primarily operating within California's Central Valley and Eastern Sierras regions. The institution's financial products encompass various deposit options, including checking, savings, money market, health savings accounts (HSAs), individual retirement accounts (IRAs), and certificates of deposit (CDs). For its lending activities, the bank extends financing for commercial real estate, general business operations, trade activities, and also facilitates Small Business Administration (SBA) loans. On the consumer side, loan offerings include vehicle financing, home mortgages, revolving lines of credit, and diverse personal loan solutions. Beyond these core services, the company provides a suite of conveniences such as online and mobile banking, remote deposit capture, merchant services, night depository facilities, extended operating hours, wire transfers, and note collection, complemented by automated teller machines. As of December 31, 2021, Oak Valley Bancorp's operational footprint included seventeen full-service branch offices across various Californian cities, specifically Oakdale, Sonora, Bridgeport, Bishop, Mammoth Lakes, Modesto, Manteca, Patterson, Turlock, Tracy, Ripon, Stockton, Escalon, and Sacramento. Founded in 1990, the company's corporate headquarters are situated in Oakdale, California.

🦦

Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
76/100

Analyst Price Target

β“˜
Average Target
$473.99
β–² +2.1% Upside
High Target$573.41
Low Target$408.89
Based on 38 analysts

Latest News & Updates