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Oak Valley Bancorp (OVLY) Financials

Oak Valley Bancorp logo
$34.62 +0.37 (+1.08%)
Closing price 04:00 PM Eastern
Extended Trading
$34.53 -0.09 (-0.26%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Oak Valley Bancorp

Annual Income Statements for Oak Valley Bancorp

This table shows Oak Valley Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 4.91 7.67 9.09 12 12 14 16 23 31 25 24
Consolidated Net Income / (Loss)		 4.91 7.67 9.09 12 12 14 16 23 31 25 24
Net Income / (Loss) Continuing Operations		 4.91 7.67 9.09 12 12 14 16 23 31 25 24
Total Pre-Tax Income 		6.96 11 15 15 17 18 22 30 40 32 31
Total Revenue		 30 36 40 43 46 50 54 66 82 77 82
Net Interest Income / (Expense)		 25 32 34 39 41 45 49 60 76 70 75
Total Interest Income		 26 32 35 40 43 46 50 61 81 83 88
Loans and Leases Interest Income		 22 27 29 32 35 40 44 39 45 53 58
Investment Securities Interest Income		 3.63 4.12 4.50 5.64 5.87 5.64 5.40 14 21 21 21
Deposits and Money Market Investments Interest Income		 0.30 0.67 1.51 2.65 1.68 0.46 0.60 7.74 14 7.25 6.80
Federal Funds Sold and Securities Borrowed Interest Income		 0.03 0.04 0.10 0.19 0.24 0.06 0.04 0.42 1.41 1.55 1.34
Total Interest Expense		 0.62 0.76 1.07 1.61 1.57 1.15 0.97 1.12 4.86 13 13
Deposits Interest Expense		 0.62 0.76 1.07 1.61 1.57 1.12 0.97 1.12 4.86 13 13
Total Non-Interest Income		 4.11 4.41 5.98 4.71 5.05 4.82 5.43 5.57 6.63 6.56 7.11
Other Service Charges		 3.47 3.92 4.86 3.93 4.31 4.09 1.42 1.42 5.69 1.94 5.92
Net Realized & Unrealized Capital Gains on Investments		 0.21 0.05 0.40 0.08 0.14 0.04 0.15 0.00 0.16 0.11 -0.00
Other Non-Interest Income		 0.43 0.44 0.73 0.70 0.60 0.69 3.85 4.15 0.79 4.50 1.20
Provision for Credit Losses		 -0.13 0.48 0.35 0.56 0.55 2.17 -0.64 -1.35 0.97 -1.62 0.81
Total Non-Interest Expense		 23 24 25 27 29 30 33 37 41 46 50
Salaries and Employee Benefits		 12 14 14 16 17 18 20 23 26 29 31
Net Occupancy & Equipment Expense		 4.48 4.89 4.91 5.34 5.40 5.70 6.09 6.49 7.27 7.42 7.77
Property & Liability Insurance Claims		 0.51 0.64 0.49 0.44 0.27 0.32 0.65 0.93 1.02 1.09 1.12
Other Operating Expenses		 5.98 5.22 5.06 5.31 5.78 5.86 6.27 6.84 6.76 8.86 11
Income Tax Expense		 2.05 3.47 6.15 3.81 4.20 4.06 5.34 6.79 9.46 7.24 6.74
Basic Earnings per Share		 $0.61 $0.95 $1.13 $1.43 $1.54 $1.68 $2.01 $2.80 $3.76 $3.04 $2.90
Weighted Average Basic Shares Outstanding		 8.09M 8.08M 8.18M 8.20M 8.22M 8.24M 8.24M 8.28M 8.29M 8.36M 8.41M
Diluted Earnings per Share		 $0.61 $0.95 $1.13 $1.42 $1.54 $1.68 $2.00 $2.79 $3.75 $3.02 $2.88
Weighted Average Diluted Shares Outstanding		 8.09M 8.08M 8.18M 8.20M 8.22M 8.24M 8.24M 8.28M 8.29M 8.36M 8.41M
Weighted Average Basic & Diluted Shares Outstanding		 8.09M 8.08M 8.18M 8.20M 8.22M 8.24M 8.24M 8.28M 8.29M 8.36M 8.41M
Cash Dividends to Common per Share		 - - - $0.26 $0.27 $0.28 $0.15 $0.30 $0.32 $0.45 $0.60

Quarterly Income Statements for Oak Valley Bancorp

This table shows Oak Valley Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 9/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 5.73 5.89 7.32 6.01 5.30 5.59 6.69 6.34 5.31 5.11 6.45
Consolidated Net Income / (Loss)		 5.73 5.89 7.32 6.01 5.30 5.59 6.69 6.34 5.31 5.11 6.45
Net Income / (Loss) Continuing Operations		 5.73 5.89 7.32 6.01 5.30 5.59 6.69 6.34 5.31 5.11 6.45
Total Pre-Tax Income 		7.23 7.44 9.80 7.73 6.80 7.17 8.53 8.16 6.81 6.43 8.19
Total Revenue		 19 19 20 19 19 20 21 21 21 21 22
Net Interest Income / (Expense)		 17 17 18 18 18 18 19 19 19 19 20
Total Interest Income		 20 20 21 22 21 21 23 23 22 22 23
Loans and Leases Interest Income		 13 13 14 14 14 14 15 15 15 16 16
Investment Securities Interest Income		 5.08 5.10 5.10 5.41 5.37 5.28 5.40 5.38 5.44 5.53 5.70
Deposits and Money Market Investments Interest Income		 1.98 1.65 1.92 1.71 1.40 1.54 1.90 1.97 1.46 1.10 1.23
Federal Funds Sold and Securities Borrowed Interest Income		 0.33 0.40 0.39 0.43 0.35 0.29 0.35 0.36 0.26 0.26 0.22
Total Interest Expense		 2.75 2.95 3.49 3.67 3.31 3.27 3.32 3.41 3.40 3.55 3.55
Deposits Interest Expense		 2.75 2.95 3.49 3.67 3.31 3.27 3.32 3.41 3.40 3.55 3.55
Total Non-Interest Income		 1.52 1.76 1.85 1.43 1.61 1.70 1.97 1.83 1.95 1.67 1.85
Other Service Charges		 1.22 1.47 0.68 -2.31 1.33 0.54 1.68 2.41 1.65 0.53 1.56
Net Realized & Unrealized Capital Gains on Investments		 0.08 0.03 0.00 - 0.00 0.00 -0.00 -0.00 -0.01 -0.00 -0.00
Other Non-Interest Income		 0.22 0.26 1.17 3.74 0.29 1.16 0.30 -0.58 0.30 1.14 0.29
Provision for Credit Losses		 0.00 0.00 -1.62 - 0.27 0.25 -0.06 0.87 0.46 0.02 0.04
Total Non-Interest Expense		 12 12 11 12 12 12 13 12 14 14 13
Salaries and Employee Benefits		 7.32 7.20 7.18 6.94 7.75 7.69 7.86 7.54 8.56 9.02 8.33
Net Occupancy & Equipment Expense		 1.86 1.87 1.80 1.89 1.87 2.14 2.28 2.05 2.23 2.50 2.69
Marketing Expense		 - - - - - 0.27 0.35 - - 0.40 0.32
Property & Liability Insurance Claims		 0.29 0.26 0.24 0.30 0.29 0.28 0.27 0.29 0.30 0.29 0.28
Other Operating Expenses		 2.05 2.28 2.11 2.42 2.45 2.06 1.95 2.39 2.42 1.95 1.80
Income Tax Expense		 1.50 1.55 2.47 1.72 1.50 1.58 1.84 1.82 1.50 1.32 1.74
Basic Earnings per Share		 $0.70 $0.72 $0.89 $0.73 $0.64 $0.68 $0.81 $0.77 $0.64 $0.62 $0.78
Weighted Average Basic Shares Outstanding		 8.36M 8.36M 8.36M 8.36M 8.38M 8.38M 8.39M 8.41M 8.41M 8.41M 8.42M
Diluted Earnings per Share		 $0.69 $0.71 $0.89 $0.73 $0.64 $0.67 $0.81 $0.76 $0.64 $0.61 $0.77
Weighted Average Diluted Shares Outstanding		 8.36M 8.36M 8.36M 8.36M 8.38M 8.38M 8.39M 8.41M 8.41M 8.41M 8.42M
Weighted Average Basic & Diluted Shares Outstanding		 8.36M 8.36M 8.36M 8.36M 8.38M 8.38M 8.39M 8.41M 8.41M 8.41M 8.42M

Annual Cash Flow Statements for Oak Valley Bancorp

This table details how cash moves in and out of Oak Valley Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 46 0.21 -42 -23 21 79 552 -349 -213 -48 63
Net Cash From Operating Activities		 4.31 9.91 9.40 14 17 19 11 23 33 26 29
Net Cash From Continuing Operating Activities		 4.31 9.91 9.40 14 17 19 11 23 33 26 29
Net Income / (Loss) Continuing Operations		 4.91 7.67 9.09 12 12 14 16 23 31 25 24
Consolidated Net Income / (Loss)		 4.91 7.67 9.09 12 12 14 16 23 31 25 24
Provision For Loan Losses		 -0.13 0.48 0.35 0.56 0.55 2.17 -0.64 -1.35 0.97 -1.62 0.81
Depreciation Expense		 1.21 1.25 1.12 1.19 1.09 1.20 1.33 1.31 1.33 1.33 1.38
Amortization Expense		 0.19 0.41 0.84 1.12 0.90 0.55 0.23 1.33 0.92 0.61 0.57
Non-Cash Adjustments to Reconcile Net Income		 -0.41 -0.83 0.39 -1.18 -0.42 -0.66 -0.06 -0.14 0.25 -2.50 1.31
Changes in Operating Assets and Liabilities, net		 -1.46 0.93 -2.40 1.22 2.61 2.30 -6.01 -1.08 -1.26 2.88 0.69
Net Cash From Investing Activities		 -30 -107 -74 -83 -27 -286 104 -376 -80 -115 -57
Net Cash From Continuing Investing Activities		 -30 -107 -74 -83 -27 -286 104 -376 -80 -115 -57
Purchase of Property, Leasehold Improvements and Equipment		 -1.42 -0.66 -2.19 -1.65 -1.38 -1.74 -0.98 -1.19 -1.89 -1.78 -4.11
Purchase of Investment Securities		 -85 -129 -103 -103 -71 -333 69 -416 -143 -201 -104
Sale and/or Maturity of Investments		 56 23 31 21 46 49 36 41 65 89 51
Net Cash From Financing Activities		 72 97 23 46 31 345 437 4.74 -167 41 92
Net Cash From Continuing Financing Activities		 72 97 23 46 31 345 437 4.74 -167 41 92
Net Change in Deposits		 74 99 25 48 33 348 439 7.33 -164 45 97
Issuance of Debt		 - - - - 0.00 50 - 0.00 1.86 0.04 0.04
Repayment of Debt		 - - - - 0.00 -50 - 0.00 -1.86 -0.04 -0.04
Payment of Dividends		 -1.70 -1.94 -2.02 -2.12 -2.21 -2.30 -2.39 -2.47 -2.65 -3.75 -5.02
Other Financing Activities, Net		 0.05 - - 0.01 -0.12 -0.11 -0.11 -0.12 -0.21 -0.16 -0.28
Cash Interest Paid		 0.62 0.76 1.07 1.61 1.56 1.15 0.97 1.12 4.72 13 13
Cash Income Taxes Paid		 4.15 2.33 5.92 4.15 3.87 4.34 5.72 3.91 10 6.39 5.08

Quarterly Cash Flow Statements for Oak Valley Bancorp

This table details how cash moves in and out of Oak Valley Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 9/30/2026
Net Change in Cash & Equivalents		 -47 11 34 -45 41 -10 48 -15 -31 -6.80 -15
Net Cash From Operating Activities		 8.28 4.17 8.93 4.26 8.24 5.58 7.14 7.98 8.06 3.61 9.36
Net Cash From Continuing Operating Activities		 8.28 4.17 8.93 4.26 8.24 5.58 7.14 7.98 8.06 3.61 9.36
Net Income / (Loss) Continuing Operations		 5.73 5.89 7.32 6.01 5.30 5.59 6.69 6.34 5.31 5.11 6.45
Consolidated Net Income / (Loss)		 5.73 5.89 7.32 6.01 5.30 5.59 6.69 6.34 5.31 5.11 6.45
Provision For Loan Losses		 - - -1.62 - 0.27 - -0.06 0.87 0.46 0.02 0.04
Depreciation Expense		 0.33 0.33 0.32 0.34 0.33 0.33 0.33 0.39 0.39 0.39 0.41
Amortization Expense		 0.17 0.09 0.18 0.23 0.14 0.09 0.16 0.12 0.15 0.27 -0.01
Non-Cash Adjustments to Reconcile Net Income		 -1.33 -0.57 3.13 -3.79 -1.27 -1.50 3.09 1.05 -1.67 2.37 -0.22
Changes in Operating Assets and Liabilities, net		 3.39 -1.57 -0.41 1.46 3.47 1.08 -3.08 -0.78 3.42 -4.55 2.69
Net Cash From Investing Activities		 -15 -26 -19 -55 17 -14 -20 -41 -23 7.03 -20
Net Cash From Continuing Investing Activities		 -15 -26 -19 -55 17 -14 -20 -41 -23 7.03 -20
Purchase of Property, Leasehold Improvements and Equipment		 -0.14 -0.59 -0.18 -0.87 -1.18 -1.58 -0.79 -0.56 -0.21 -0.23 -0.27
Purchase of Investment Securities		 -5.01 -87 -37 -73 15 -22 -41 -56 -35 -23 -25
Sale and/or Maturity of Investments		 -9.87 61 18 19 3.83 10 21 15 12 30 4.89
Net Cash From Financing Activities		 -40 32 44 5.39 15 -2.35 61 18 -15 -17 -4.20
Net Cash From Continuing Financing Activities		 -40 32 44 5.39 15 -2.35 61 18 -15 -17 -4.20
Net Change in Deposits		 -38 32 46 5.39 18 -2.35 64 18 -12 -17 -0.97
Payment of Dividends		 -1.87 - -1.88 - -2.51 - -2.52 - -3.15 - -3.16
Other Financing Activities, Net		 -0.11 - -0.05 - -0.24 - -0.04 - -0.31 - -0.08
Cash Interest Paid		 2.71 2.93 3.50 3.61 3.30 3.27 3.32 3.39 3.37 3.56 3.55

Annual Balance Sheets for Oak Valley Bancorp

This table presents Oak Valley Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 897 1,002 1,035 1,095 1,148 1,511 1,964 1,968 1,842 1,901 2,023
Cash and Due from Banks		 175 179 143 116 134 194 735 416 180 138 203
Federal Funds Sold		 16 12 6.21 9.72 14 33 43 14 37 30 29
Trading Account Securities		 132 160 182 210 193 221 266 530 521 530 547
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 848 0.00 0.00 1,094 1,130
Premises and Equipment, Net		 14 14 14 15 15 16 15 15 16 16 19
Intangible Assets		 - - 4.06 3.94 3.84 3.74 3.65 3.56 3.47 3.39 3.31
Other Assets		 30 36 32 38 47 47 53 989 1,085 89 92
Total Liabilities & Shareholders' Equity		 897 1,002 1,035 1,095 1,148 1,511 1,964 1,968 1,842 1,901 2,023
Total Liabilities		 819 920 944 996 1,035 1,382 1,822 1,842 1,676 1,717 1,815
Non-Interest Bearing Deposits		 815 914 939 986 1,020 1,368 1,807 1,814 1,651 1,696 1,793
Accrued Interest Payable		 - - - - - - - - 26 21 22
Total Equity & Noncontrolling Interests		 78 82 91 99 113 130 143 127 166 183 208
Total Preferred & Common Equity		 78 82 91 99 113 130 143 127 166 183 208
Total Common Equity		 78 82 91 99 113 130 143 127 166 183 208
Common Stock		 28 28 28 29 29 30 30 31 31 32 32
Retained Earnings		 49 55 61 71 81 92 106 127 154 176 194
Accumulated Other Comprehensive Income / (Loss)		 1.57 -0.23 0.99 -0.44 2.40 7.69 6.19 -31 -19 -24 -19

Quarterly Balance Sheets for Oak Valley Bancorp

This table presents Oak Valley Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026 9/30/2026
Total Assets		 1,835 1,806 1,841 1,900 1,924 1,921 1,995 2,010 2,002 1,976
Cash and Due from Banks		 239 144 149 166 166 153 225 156 145 128
Federal Funds Sold		 39 26 31 48 43 46 22 46 50 52
Trading Account Securities		 488 508 496 521 522 507 534 558 535 524
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 1,078 1,097 1,100 1,133 1,153 1,141
Premises and Equipment, Net		 16 16 16 16 17 18 19 19 19 19
Intangible Assets		 3.49 3.45 3.43 3.41 3.37 3.35 3.33 3.31 3.31 3.31
Other Assets		 1,050 1,109 1,145 1,147 95 97 92 95 97 109
Total Liabilities & Shareholders' Equity		 1,835 1,806 1,841 1,900 1,924 1,921 1,995 2,010 2,002 1,976
Total Liabilities		 1,700 1,639 1,669 1,715 1,741 1,735 1,797 1,804 1,785 1,785
Non-Interest Bearing Deposits		 1,667 1,612 1,645 1,690 1,714 1,711 1,775 1,781 1,764 1,763
Accrued Interest Payable		 - - - - 27 24 22 23 21 22
Total Equity & Noncontrolling Interests		 135 167 172 185 184 186 198 206 217 191
Total Preferred & Common Equity		 135 167 172 185 184 186 198 206 217 191
Total Common Equity		 135 167 172 185 184 186 198 206 217 191
Common Stock		 31 31 31 31 32 32 32 32 33 33
Retained Earnings		 148 158 164 169 178 184 188 197 202 205
Accumulated Other Comprehensive Income / (Loss)		 -44 -22 -24 -16 -26 -30 -22 -23 -18 -47

Annual Metrics And Ratios for Oak Valley Bancorp

This table displays calculated financial ratios and metrics derived from Oak Valley Bancorp's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 7,929,730.00 8,091,455.00 8,098,605.00 8,193,305.00 8,210,637.00 8,218,873.00 8,239,099.00 8,258,794.00 8,293,168.00 - 8,388,221.00
DEI Adjusted Shares Outstanding		 7,929,730.00 8,091,455.00 8,098,605.00 8,193,305.00 8,210,637.00 8,218,873.00 8,239,099.00 8,258,794.00 8,293,168.00 - 8,388,221.00
DEI Earnings Per Adjusted Shares Outstanding		 0.62 0.95 1.12 1.41 1.52 1.67 1.98 2.77 3.72 - 2.85
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 1.58% 21.77% 11.74% 7.78% 6.47% 8.01% 9.02% 20.98% 25.57% -7.09% 6.71%
EBITDA Growth		 -30.46% 53.17% 34.42% 2.61% 5.80% 4.33% 19.20% 39.18% 31.63% -19.27% -4.47%
EBIT Growth		 -34.91% 60.00% 36.83% 0.70% 8.74% 6.32% 22.17% 36.96% 35.76% -20.13% -4.79%
NOPAT Growth		 -31.09% 56.17% 18.64% 26.86% 8.25% 9.59% 19.36% 40.18% 34.70% -19.13% -4.15%
Net Income Growth		 -31.09% 56.17% 18.64% 26.86% 8.25% 9.59% 19.36% 40.18% 34.70% -19.13% -4.15%
EPS Growth		 -31.46% 55.74% 18.95% 25.66% 8.45% 9.09% 19.05% 39.50% 34.41% -19.47% -4.64%
Operating Cash Flow Growth		 -41.80% 129.78% -5.12% 53.63% 19.18% 11.80% -41.86% 103.88% 44.96% -22.45% 11.82%
Free Cash Flow Firm Growth		 149.56% 106.29% -77.66% 320.33% -131.94% -229.53% 199.48% 1,037.41% -122.16% 188.23% -108.23%
Invested Capital Growth		 4.29% 5.35% 10.09% 9.11% 13.66% 15.21% 9.96% -11.21% 31.17% 10.44% 13.38%
Revenue Q/Q Growth		 -0.33% 4.91% 2.36% 8.27% -3.99% 4.35% -1.51% 13.25% -1.04% -0.51% 2.52%
EBITDA Q/Q Growth		 -21.51% 27.39% 3.58% 13.76% -13.06% 9.58% -6.38% 34.67% -10.16% -0.11% 0.60%
EBIT Q/Q Growth		 -21.71% 31.68% 3.70% 15.43% -13.87% 10.82% -5.95% 36.03% -10.43% -0.16% 1.41%
NOPAT Q/Q Growth		 -19.01% 31.41% -7.46% 13.70% 1.73% 11.92% -6.75% 35.57% -10.48% 0.58% 1.39%
Net Income Q/Q Growth		 -19.01% 31.41% -7.46% 13.70% 1.73% 11.92% -6.75% 35.57% -10.48% 0.58% 1.39%
EPS Q/Q Growth		 -18.67% 30.14% -6.61% 12.70% 1.99% 12.00% -6.54% 34.78% -10.29% 0.33% 1.05%
Operating Cash Flow Q/Q Growth		 -36.09% 29.81% -4.10% 2.06% 15.64% -10.36% -34.89% 87.41% 3.17% -14.27% 14.92%
Free Cash Flow Firm Q/Q Growth		 -1.17% 2,750.82% -74.18% -21.43% 24.26% -41.27% 99.47% -22.98% -255.25% 129.83% -105.85%
Invested Capital Q/Q Growth		 1.45% -0.49% 1.22% 3.52% 2.97% 4.61% 2.02% 19.25% 22.94% -1.06% 4.89%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 28.32% 35.62% 42.85% 40.79% 40.54% 39.15% 42.81% 49.25% 51.62% 44.86% 39.88%
EBIT Margin		 23.59% 31.00% 37.95% 35.46% 36.22% 35.65% 39.95% 45.23% 48.90% 42.03% 37.50%
Profit (Net Income) Margin		 16.63% 21.33% 22.65% 26.66% 27.10% 27.50% 30.11% 34.89% 37.42% 32.57% 29.26%
Tax Burden Percent		 70.50% 68.81% 59.67% 75.17% 74.83% 77.14% 75.37% 77.14% 76.53% 77.50% 78.02%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 29.50% 31.19% 40.33% 24.83% 25.17% 22.86% 24.63% 22.86% 23.47% 22.50% 21.98%
Return on Invested Capital (ROIC)		 6.40% 9.54% 10.50% 12.16% 11.80% 11.30% 12.00% 17.01% 21.08% 14.28% 12.22%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 2.20% 4.33% 0.90% 3.44% -0.99% -2.84% 2.51% 28.89% -5.89% 4.35% -0.32%
Operating Return on Assets (OROA)		 0.85% 1.17% 1.50% 1.44% 1.49% 1.33% 1.25% 1.51% 2.12% 1.72% 1.56%
Return on Assets (ROA)		 0.60% 0.81% 0.89% 1.08% 1.11% 1.03% 0.94% 1.16% 1.62% 1.33% 1.22%
Return on Common Equity (ROCE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 6.27% 9.30% 10.02% 11.65% 11.09% 10.55% 11.46% 18.09% 18.57% 13.60% 11.50%
Net Operating Profit after Tax (NOPAT)		 4.91 7.67 9.09 12 12 14 16 23 31 25 24
NOPAT Margin		 16.63% 21.33% 22.65% 26.66% 27.10% 27.50% 30.11% 34.89% 37.42% 32.57% 29.26%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 54.87% 51.34% 47.36% 49.97% 49.48% 47.57% 48.47% 45.00% 40.49% 47.09% 47.24%
Operating Expenses to Revenue		 76.83% 67.66% 61.17% 63.26% 62.60% 60.00% 61.22% 56.83% 49.93% 60.08% 61.51%
Earnings before Interest and Taxes (EBIT)		 6.96 11 15 15 17 18 22 30 40 32 31
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 8.36 13 17 18 19 19 23 32 43 34 33
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 1.09 1.57 1.38 1.31 0.99 0.96 1.44 1.45 1.32 1.20
Price to Tangible Book Value (P/TBV)		 0.00 1.09 1.64 1.43 1.35 1.02 0.99 1.48 1.48 1.34 1.22
Price to Revenue (P/Rev)		 0.00 2.50 3.54 3.15 3.20 2.58 2.52 2.77 2.93 3.16 3.05
Price to Earnings (P/E)		 0.00 11.70 15.63 11.81 11.80 9.37 8.38 7.94 7.83 9.69 10.42
Dividend Yield		 2.34% 2.17% 1.42% 1.56% 1.50% 1.79% 1.74% 1.36% 1.10% 1.56% 2.02%
Earnings Yield		 0.00% 8.55% 6.40% 8.47% 8.48% 10.67% 11.93% 12.60% 12.78% 10.32% 9.60%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.10 0.00 0.00 0.00 0.00 0.15 0.40 0.08
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.23 0.00 0.00 0.00 0.00 0.30 0.95 0.21
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.57 0.00 0.00 0.00 0.00 0.59 2.12 0.52
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.66 0.00 0.00 0.00 0.00 0.62 2.26 0.56
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.88 0.00 0.00 0.00 0.00 0.81 2.92 0.71
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.70 0.00 0.00 0.00 0.00 0.75 2.84 0.59
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 3.09 0.00 0.00 0.00 0.00 0.00 9.59 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage Ratio		 10.74 11.82 11.76 11.22 10.60 10.98 12.76 14.61 13.02 10.71 10.02
Compound Leverage Factor		 10.74 11.82 11.76 11.22 10.60 10.98 12.76 14.61 13.02 10.71 10.02
Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 1.69 3.48 0.78 3.27 -1.04 -3.44 3.42 39 -8.62 7.60 -0.63
Operating Cash Flow to CapEx		 305.10% 1,503.19% 520.72% 878.35% 1,244.32% 1,105.75% 1,143.76% 1,916.47% 1,745.46% 1,441.03% 697.83%
Free Cash Flow to Firm to Interest Expense		 2.74 4.55 0.73 2.03 -0.67 -2.98 3.52 34.75 -1.77 0.59 -0.05
Operating Cash Flow to Interest Expense		 7.01 12.97 8.83 8.99 10.98 16.69 11.52 20.38 6.80 1.99 2.15
Operating Cash Flow Less CapEx to Interest Expense		 4.71 12.10 7.13 7.97 10.09 15.18 10.51 19.32 6.41 1.86 1.85
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.04 0.04 0.04
Fixed Asset Turnover		 2.08 2.57 2.85 2.94 3.06 3.21 3.48 4.27 5.29 4.76 4.62
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 78 82 91 99 113 130 143 127 166 183 208
Invested Capital Turnover		 0.39 0.45 0.46 0.46 0.44 0.41 0.40 0.49 0.56 0.44 0.42
Increase / (Decrease) in Invested Capital		 3.22 4.19 8.32 8.27 14 17 13 -16 39 17 25
Enterprise Value (EV)		 0.00 -101 -7.06 10 -0.27 -98 -641 -248 25 73 17
Market Capitalization		 0.00 90 142 136 147 128 137 182 241 242 249
Book Value per Share		 $9.68 $10.19 $11.21 $12.09 $13.71 $15.78 $17.31 $15.33 $20.03 $21.95 $24.79
Tangible Book Value per Share		 $9.68 $10.19 $10.71 $11.61 $13.24 $15.33 $16.87 $14.90 $19.61 $21.54 $24.40
Total Capital		 78 82 91 99 113 130 143 127 166 183 208
Total Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Long-Term Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 -191 -191 -149 -126 -148 -227 -778 -430 -217 -169 -232
Capital Expenditures (CapEx)		 1.41 0.66 1.81 1.64 1.38 1.74 0.98 1.19 1.89 1.78 4.11
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 1.40 1.66 1.97 2.31 1.99 1.74 1.55 2.64 2.25 2.16 1.95
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.61 $0.95 $1.13 $1.43 $1.54 $1.68 $2.01 $2.80 $3.76 $3.04 $2.90
Adjusted Weighted Average Basic Shares Outstanding		 8.09M 8.08M 8.18M 8.20M 8.22M 8.24M 8.24M 8.28M 8.29M 8.36M 8.41M
Adjusted Diluted Earnings per Share		 $0.61 $0.95 $1.13 $1.42 $1.54 $1.68 $2.00 $2.79 $3.75 $3.02 $2.88
Adjusted Weighted Average Diluted Shares Outstanding		 8.09M 8.08M 8.18M 8.20M 8.22M 8.24M 8.24M 8.28M 8.29M 8.36M 8.41M
Adjusted Basic & Diluted Earnings per Share		 $0.61 $0.95 $1.13 $1.43 $1.54 $1.68 $2.01 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.09M 8.08M 8.18M 8.20M 8.22M 8.24M 8.24M 8.28M 8.29M 8.36M 8.41M
Normalized Net Operating Profit after Tax (NOPAT)		 4.91 7.67 9.09 12 12 14 16 23 31 25 24
Normalized NOPAT Margin		 16.63% 21.33% 22.65% 26.66% 27.10% 27.50% 30.11% 34.89% 37.42% 32.57% 29.26%
Pre Tax Income Margin		 23.59% 31.00% 37.95% 35.46% 36.22% 35.65% 39.95% 45.23% 48.90% 42.03% 37.50%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 11.32 14.58 14.31 9.56 10.64 15.39 22.32 26.53 8.29 2.50 2.30
NOPAT to Interest Expense		 7.98 10.03 8.54 7.18 7.96 11.87 16.82 20.47 6.34 1.94 1.80
EBIT Less CapEx to Interest Expense		 9.02 13.72 12.62 8.53 9.76 13.88 21.32 25.47 7.90 2.36 1.99
NOPAT Less CapEx to Interest Expense		 5.68 9.17 6.84 6.16 7.08 10.36 15.82 19.40 5.95 1.80 1.49
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 34.54% 25.31% 22.23% 18.35% 17.73% 16.80% 14.60% 10.80% 8.58% 15.02% 21.00%
Augmented Payout Ratio		 34.54% 25.31% 22.23% 18.35% 17.73% 16.80% 14.60% 10.80% 8.58% 15.02% 21.00%

Quarterly Metrics And Ratios for Oak Valley Bancorp

This table displays calculated financial ratios and metrics derived from Oak Valley Bancorp's official financial filings.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 9/30/2026
DEI Shares Outstanding		 8,293,168.00 8,359,556.00 8,359,556.00 - 8,357,211.00 8,382,062.00 8,380,562.00 8,388,221.00 8,413,458.00 8,413,458.00 8,412,708.00
DEI Adjusted Shares Outstanding		 8,293,168.00 8,359,556.00 8,359,556.00 - 8,357,211.00 8,382,062.00 8,380,562.00 8,388,221.00 8,413,458.00 8,413,458.00 8,412,708.00
DEI Earnings Per Adjusted Shares Outstanding		 0.69 0.70 0.88 - 0.63 0.67 0.80 0.76 0.63 0.61 0.77
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -11.50% -9.54% -4.89% -2.00% 3.52% 4.23% 8.56% 10.41% 6.98% 3.79% 2.28%
EBITDA Growth		 -38.30% -32.39% 2.27% -0.47% -6.05% -3.45% -12.35% 5.16% 1.18% -7.24% -6.67%
EBIT Growth		 -39.24% -32.40% 1.78% -0.66% -6.02% -3.59% -12.93% 5.53% 0.15% -10.29% -3.97%
NOPAT Growth		 -37.92% -29.93% -0.41% 2.44% -7.51% -5.11% -8.62% 5.44% 0.23% -8.48% -3.63%
Net Income Growth		 -37.92% -29.93% -0.41% 2.44% -7.51% -5.11% -8.62% 5.44% 0.23% -8.48% -3.63%
EPS Growth		 -38.39% -30.39% 0.00% 1.39% -7.25% -5.63% -8.99% 4.11% 0.00% -8.96% -4.94%
Operating Cash Flow Growth		 -31.09% -63.03% 617.85% -50.07% -0.51% 34.01% -20.07% 87.47% -2.24% -38.00% 31.14%
Free Cash Flow Firm Growth		 198.87% 6.15% -99.39% 66.26% -100.64% 55.19% 85.59% -60.59% -53.22% -210.23% 320.07%
Invested Capital Growth		 -91.40% 16.77% 37.23% 10.44% 9.95% 8.15% 6.95% 13.38% 12.33% 16.81% -3.62%
Revenue Q/Q Growth		 -4.62% 1.56% 2.36% -1.15% 0.75% 2.25% 6.61% 0.53% -2.38% -0.80% 5.07%
EBITDA Q/Q Growth		 -7.30% 1.59% 31.13% -18.99% -11.86% 3.56% 19.04% -4.01% -15.19% -3.54% 21.23%
EBIT Q/Q Growth		 -7.04% 2.84% 31.75% -21.12% -12.06% 5.49% 18.98% -4.40% -16.54% -5.51% 27.37%
NOPAT Q/Q Growth		 -2.35% 2.83% 24.37% -17.97% -11.83% 5.49% 19.77% -5.35% -16.20% -3.67% 26.12%
Net Income Q/Q Growth		 -2.35% 2.83% 24.37% -17.97% -11.83% 5.49% 19.77% -5.35% -16.20% -3.67% 26.12%
EPS Q/Q Growth		 -4.17% 2.90% 25.35% -17.98% -12.33% 4.69% 20.90% -6.17% -15.79% -4.69% 26.23%
Operating Cash Flow Q/Q Growth		 -2.79% -49.70% 114.30% -52.35% 93.70% -29.92% 27.83% 11.75% 1.00% -55.14% 159.02%
Free Cash Flow Firm Q/Q Growth		 5,395.93% -101.06% -128.73% 73.62% 0.26% 25.55% 26.42% -193.90% 4.83% -50.74% 152.20%
Invested Capital Q/Q Growth		 0.50% 2.93% 7.91% -1.06% 0.05% 1.25% 6.71% 4.89% -0.88% 5.28% -11.95%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 41.21% 41.22% 52.81% 43.06% 37.40% 38.19% 42.64% 40.72% 35.37% 34.40% 39.69%
EBIT Margin		 38.54% 39.03% 50.24% 40.09% 34.99% 36.10% 40.29% 38.32% 32.76% 31.20% 37.83%
Profit (Net Income) Margin		 30.53% 30.91% 37.56% 31.17% 27.28% 28.14% 31.62% 29.77% 25.55% 24.81% 29.79%
Tax Burden Percent		 79.20% 79.20% 74.76% 77.74% 77.94% 77.95% 78.46% 77.68% 78.00% 79.52% 78.75%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 20.80% 20.80% 25.24% 22.26% 22.06% 22.05% 21.54% 22.32% 22.00% 20.48% 21.26%
Return on Invested Capital (ROIC)		 2.32% 15.12% 18.04% 13.66% 12.03% 12.28% 13.14% 12.43% 10.90% 10.33% 12.90%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.32% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 13.52% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 15.84% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 170.92% 0.10% -15.91% 4.35% 4.52% 5.71% 5.58% -0.32% 0.66% -3.86% 15.61%
Operating Return on Assets (OROA)		 1.65% 1.64% 2.07% 1.64% 1.45% 1.50% 1.65% 1.60% 1.38% 1.33% 1.61%
Return on Assets (ROA)		 1.30% 1.30% 1.55% 1.28% 1.13% 1.17% 1.29% 1.24% 1.08% 1.06% 1.26%
Return on Common Equity (ROCE)		 15.84% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 16.39% 14.46% 13.38% 0.00% 13.36% 13.03% 11.90% 0.00% 11.61% 10.81% 12.14%
Net Operating Profit after Tax (NOPAT)		 5.73 5.89 7.32 6.01 5.30 5.59 6.69 6.34 5.31 5.11 6.45
NOPAT Margin		 30.53% 30.91% 37.56% 31.17% 27.28% 28.14% 31.62% 29.77% 25.55% 24.81% 29.79%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 48.97% 47.62% 46.01% 45.82% 49.53% 48.03% 46.60% 45.06% 51.95% 57.83% 52.35%
Operating Expenses to Revenue		 61.46% 60.97% 58.07% 59.91% 63.59% 63.90% 59.99% 57.62% 65.01% 68.69% 61.98%
Earnings before Interest and Taxes (EBIT)		 7.23 7.44 9.80 7.73 6.80 7.17 8.53 8.16 6.81 6.43 8.19
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 7.73 7.85 10 8.30 7.26 7.58 9.03 8.67 7.35 7.09 8.59
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.21 1.18 1.17 1.32 1.11 1.22 1.19 1.20 1.32 1.29 1.48
Price to Tangible Book Value (P/TBV)		 1.23 1.20 1.19 1.34 1.13 1.24 1.21 1.22 1.35 1.31 1.51
Price to Revenue (P/Rev)		 2.52 2.60 2.82 3.16 2.64 2.89 2.96 3.05 3.28 3.35 3.36
Price to Earnings (P/E)		 7.37 8.15 8.76 9.69 8.32 9.33 10.01 10.42 11.40 11.97 12.21
Dividend Yield		 1.58% 1.59% 1.73% 1.56% 2.15% 1.95% 2.13% 2.02% 2.08% 2.02% 2.23%
Earnings Yield		 13.58% 12.27% 11.42% 10.32% 12.02% 10.72% 9.99% 9.60% 8.77% 8.35% 8.19%
Enterprise Value to Invested Capital (EV/IC)		 0.19 0.13 0.02 0.40 0.00 0.15 0.00 0.08 0.35 0.40 0.54
Enterprise Value to Revenue (EV/Rev)		 0.40 0.28 0.04 0.95 0.00 0.35 0.00 0.21 0.86 1.03 1.23
Enterprise Value to EBITDA (EV/EBITDA)		 0.84 0.65 0.10 2.12 0.00 0.80 0.00 0.52 2.18 2.68 3.29
Enterprise Value to EBIT (EV/EBIT)		 0.89 0.69 0.10 2.26 0.00 0.86 0.00 0.56 2.32 2.87 3.50
Enterprise Value to NOPAT (EV/NOPAT)		 1.16 0.89 0.13 2.92 0.00 1.12 0.00 0.71 2.98 3.67 4.46
Enterprise Value to Operating Cash Flow (EV/OCF)		 1.08 1.00 0.11 2.84 0.00 1.01 0.00 0.59 2.50 3.27 3.64
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.02 139.95 0.00 9.59 0.00 2.64 0.00 0.00 55.19 0.00 3.41
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 5.83 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage Ratio		 12.15 11.61 11.66 10.71 10.64 10.52 10.15 10.02 10.10 9.74 10.20
Compound Leverage Factor		 12.15 11.61 11.66 10.71 10.64 10.52 10.15 10.02 10.10 9.74 10.20
Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 1,779 -19 -43 -11 -11 -8.42 -6.19 -18 -17 -26 14
Operating Cash Flow to CapEx		 6,002.90% 706.27% 4,879.78% 490.21% 699.07% 352.53% 903.54% 1,437.30% 3,800.47% 1,571.30% 3,532.45%
Free Cash Flow to Firm to Interest Expense		 646.85 -6.36 -12.31 -3.09 -3.42 -2.58 -1.87 -5.34 -5.09 -7.37 3.84
Operating Cash Flow to Interest Expense		 3.01 1.41 2.56 1.16 2.49 1.71 2.15 2.34 2.37 1.02 2.64
Operating Cash Flow Less CapEx to Interest Expense		 2.96 1.21 2.51 0.92 2.13 1.22 1.91 2.18 2.31 0.95 2.56
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 5.20 4.85 4.85 4.76 4.70 4.54 4.60 4.62 4.61 4.52 4.50
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 167 172 185 183 184 186 198 208 206 217 191
Invested Capital Turnover		 0.08 0.49 0.48 0.44 0.44 0.44 0.42 0.42 0.43 0.42 0.43
Increase / (Decrease) in Invested Capital		 -1,774 25 50 17 17 14 13 25 23 31 -7.18
Enterprise Value (EV)		 32 22 3.26 73 -5.38 27 -11 17 71 86 104
Market Capitalization		 201 202 217 242 204 226 236 249 273 281 283
Book Value per Share		 $20.13 $20.55 $22.18 $21.95 $21.96 $22.17 $23.66 $24.79 $24.50 $25.80 $22.72
Tangible Book Value per Share		 $19.71 $20.14 $21.77 $21.54 $21.55 $21.77 $23.26 $24.40 $24.11 $25.40 $22.32
Total Capital		 167 172 185 183 184 186 198 208 206 217 191
Total Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Long-Term Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 -170 -180 -214 -169 -209 -199 -247 -232 -202 -195 -180
Capital Expenditures (CapEx)		 0.14 0.59 0.18 0.87 1.18 1.58 0.79 0.56 0.21 0.23 0.27
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 0.50 0.42 0.50 0.57 0.47 0.41 0.50 0.51 0.54 0.66 0.40
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.70 $0.72 $0.89 $0.73 $0.64 $0.68 $0.81 $0.77 $0.64 $0.62 $0.78
Adjusted Weighted Average Basic Shares Outstanding		 8.36M 8.36M 8.36M 8.36M 8.38M 8.38M 8.39M 8.41M 8.41M 8.41M 8.42M
Adjusted Diluted Earnings per Share		 $0.69 $0.71 $0.89 $0.73 $0.64 $0.67 $0.81 $0.76 $0.64 $0.61 $0.77
Adjusted Weighted Average Diluted Shares Outstanding		 8.36M 8.36M 8.36M 8.36M 8.38M 8.38M 8.39M 8.41M 8.41M 8.41M 8.42M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.36M 8.36M 8.36M 8.36M 8.38M 8.38M 8.39M 8.41M 8.41M 8.41M 8.42M
Normalized Net Operating Profit after Tax (NOPAT)		 5.73 5.89 7.32 6.01 5.30 5.59 6.69 6.34 5.31 5.11 6.45
Normalized NOPAT Margin		 30.53% 30.91% 37.56% 31.17% 27.28% 28.14% 31.62% 29.77% 25.55% 24.81% 29.79%
Pre Tax Income Margin		 38.54% 39.03% 50.24% 40.09% 34.99% 36.10% 40.29% 38.32% 32.76% 31.20% 37.83%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.63 2.52 2.81 2.11 2.05 2.19 2.57 2.39 2.00 1.81 2.31
NOPAT to Interest Expense		 2.08 1.99 2.10 1.64 1.60 1.71 2.02 1.86 1.56 1.44 1.82
EBIT Less CapEx to Interest Expense		 2.58 2.32 2.75 1.87 1.70 1.71 2.33 2.23 1.94 1.75 2.23
NOPAT Less CapEx to Interest Expense		 2.03 1.79 2.05 1.40 1.24 1.23 1.78 1.69 1.50 1.38 1.74
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 11.67% 12.85% 15.11% 15.02% 17.90% 18.12% 21.29% 21.00% 23.66% 24.14% 27.15%
Augmented Payout Ratio		 11.67% 12.85% 15.11% 15.02% 17.90% 18.12% 21.29% 21.00% 23.66% 24.14% 27.15%

Financials Breakdown Chart

Key Financial Trends

Oak Valley Bancorp’s latest results show continued balance-sheet growth and solid core interest income, but earnings have softened as operating expenses rise. The company reported $5.1 million of net income in Q2 2026, or $0.61 per diluted share, compared with $5.6 million, or $0.67 per share, in Q2 2025. The latest figures should be viewed with some caution because several prior-period statements were restated.

  • Net interest income remains on a long-term growth path. Q2 2026 net interest income was $18.9 million, up from $18.2 million in Q2 2025 and $17.3 million in Q2 2024. Loan interest income reached $15.6 million, compared with $14.3 million a year earlier.
  • Loans and deposits have expanded meaningfully. Net loans increased to $1.15 billion in Q2 2026 from $1.10 billion in Q2 2025, while non-interest-bearing deposits rose to $1.76 billion from $1.71 billion over the same period. Since Q2 2024, loans have grown roughly 5% and deposits about 7%.
  • Credit-loss provisioning has declined sharply. The Q2 2026 provision for credit losses was just $21,000, down from $245,000 in Q2 2025 and $865,000 in Q4 2025. This supported pretax income even though other expenses increased.
  • Capital and book equity have strengthened. Total common equity reached $217.0 million in Q2 2026, up from $206.2 million in Q1 2026 and $185.8 million in Q2 2025. Retained earnings increased to $201.7 million, providing a larger capital base to support loan growth.
  • Operating cash flow remains positive. Oak Valley generated $3.6 million of operating cash flow in Q2 2026. Although below $5.6 million in Q2 2025, the company has produced positive operating cash flow in each reported quarter in the supplied period.
  • Investment portfolio activity improved liquidity in Q2. Sales and maturities of investment securities totaled $30.2 million versus $12.4 million of purchases, producing $7.0 million of net investing cash flow. This helped offset deposit-related cash outflows.
  • Asset growth has been moderate and securities remain a major part of the balance sheet. Total assets were $2.00 billion in Q2 2026, broadly stable with Q1 and up from $1.84 billion in Q2 2024. Trading account securities totaled $535.3 million, representing a substantial source of liquidity but also leaving results exposed to interest-rate and valuation changes.
  • Accumulated other comprehensive losses have improved but remain significant. AOCI was negative $17.5 million in Q2 2026, better than negative $30.0 million in Q2 2025 and negative $23.5 million in Q2 2024. The improvement supports reported equity, but the balance remains a potential source of volatility.
  • Net income and earnings per share have declined. Q2 2026 net income fell 8.5% year over year, while diluted EPS declined from $0.67 to $0.61. Net income has also declined from $7.4 million in Q3 2023 and $6.0 million in Q4 2024, despite higher loans and net interest income.
  • Operating expenses are rising faster than revenue. Q2 2026 non-interest expense increased to $14.2 million from $12.4 million in Q2 2025, a gain of roughly 14%, while total revenue rose less than 4%. Salaries and employee benefits increased to $9.0 million, and occupancy and equipment expense rose to $2.5 million.
  • Deposit outflows continue to pressure liquidity. Deposits declined by $17.4 million in Q2 2026 after falling $12.0 million in Q1. Financing cash flow was negative $17.4 million, and total cash and equivalents declined to $144.8 million from $155.6 million at the end of Q1.

Overall, Oak Valley’s franchise continues to grow loans, deposits and capital, and its core net interest income is stronger than it was two years ago. However, declining quarterly earnings, elevated expense growth and recent deposit outflows are important risks for investors to monitor. The key question is whether future loan growth and lower credit costs can offset rising operating expenses and pressure on funding.

11/11/26 06:01 PM ETAI Generated. May Contain Errors.

Oak Valley Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Oak Valley Bancorp's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Oak Valley Bancorp's net income appears to be on an upward trend, with a most recent value of $23.91 million in 2025, rising from $4.91 million in 2015. The previous period was $24.95 million in 2024. See Oak Valley Bancorp's forecast for analyst expectations on what's next for the company.

Over the last 10 years, Oak Valley Bancorp's total revenue changed from $29.51 million in 2015 to $81.73 million in 2025, a change of 176.9%.

In the past 12 quarters, Oak Valley Bancorp's cash and equivalents has ranged from $127.98 million in Q3 2026 to $238.84 million in Q3 2023, and is currently $127.98 million as of their latest financial filing in Q3 2026.

Oak Valley Bancorp had total debt of $0.00 at the end of 2025, compared with none in 2024, and none in 2015.

Over the last 10 years, Oak Valley Bancorp's book value per share changed from 9.68 in 2015 to 24.79 in 2025, a change of 156.2%.


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Financial statements for NASDAQ:OVLY last updated on 11/10/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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