Oak Valley Bancorp (OVLY) Financials

$32.93 -0.40 (-1.20%)

Closing price 07/22/2026 04:00 PM Eastern

Extended Trading

$32.93 +0.00 (+0.01%)

As of 04:01 AM Eastern

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

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	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	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
Net Income / (Loss) Attributable to Common Shareholders	7.35	5.87	5.73	5.89	7.32	6.01	5.30	5.59	6.69	6.34	5.31
Consolidated Net Income / (Loss)	7.35	5.87	5.73	5.89	7.32	6.01	5.30	5.59	6.69	6.34	5.31
Net Income / (Loss) Continuing Operations	7.35	5.87	5.73	5.89	7.32	6.01	5.30	5.59	6.69	6.34	5.31
Total Pre-Tax Income	9.63	7.78	7.23	7.44	9.80	7.73	6.80	7.17	8.53	8.16	6.81
Total Revenue	21	20	19	19	20	19	19	20	21	21	21
Net Interest Income / (Expense)	19	18	17	17	18	18	18	18	19	19	19
Total Interest Income	20	20	20	20	21	22	21	21	23	23	22
Loans and Leases Interest Income	11	12	13	13	14	14	14	14	15	15	15
Investment Securities Interest Income	5.16	5.14	5.08	5.10	5.10	5.41	5.37	5.28	5.40	5.38	5.44
Deposits and Money Market Investments Interest Income	3.37	2.71	1.98	1.65	1.92	1.71	1.40	1.54	1.90	1.97	1.46
Federal Funds Sold and Securities Borrowed Interest Income	0.34	0.50	0.33	0.40	0.39	0.43	0.35	0.29	0.35	0.36	0.26
Total Interest Expense	1.41	2.30	2.75	2.95	3.49	3.67	3.31	3.27	3.32	3.41	3.40
Deposits Interest Expense	1.41	2.30	2.75	2.95	3.49	3.67	3.31	3.27	3.32	3.41	3.40
Total Non-Interest Income	1.57	1.76	1.52	1.76	1.85	1.43	1.61	1.70	1.97	1.83	1.95
Other Service Charges	0.40	3.42	1.22	1.47	0.68	-2.31	1.33	1.40	0.79	2.41	1.65
Net Realized & Unrealized Capital Gains on Investments	0.01	-	0.08	0.03	0.00	-	0.00	0.00	-0.00	-0.00	-0.01
Other Non-Interest Income	1.15	-1.66	0.22	0.26	1.17	3.74	0.29	0.30	1.19	-0.58	0.30
Provision for Credit Losses	0.30	1.13	0.00	0.00	-1.62	-	0.27	0.00	-0.06	0.87	0.46
Total Non-Interest Expense	11	11	12	12	11	12	12	13	13	12	14
Salaries and Employee Benefits	6.51	6.83	7.32	7.20	7.18	6.94	7.75	7.69	7.86	7.54	8.56
Net Occupancy & Equipment Expense	1.94	1.78	1.86	1.87	1.80	1.89	1.87	1.85	2.01	2.05	2.23
Property & Liability Insurance Claims	0.31	0.30	0.29	0.26	0.24	0.30	0.29	0.28	0.27	0.29	0.30
Other Operating Expenses	1.83	1.85	2.05	2.28	2.11	2.42	2.45	2.87	2.57	2.39	2.42
Income Tax Expense	2.27	1.91	1.50	1.55	2.47	1.72	1.50	1.58	1.84	1.82	1.50
Basic Earnings per Share	$0.90	$0.70	$0.70	$0.72	$0.89	$0.73	$0.64	$0.68	$0.81	$0.77	$0.64
Weighted Average Basic Shares Outstanding	8.29M	8.29M	8.36M	8.36M	8.36M	8.36M	8.38M	8.38M	8.39M	8.41M	8.41M
Diluted Earnings per Share	$0.89	$0.72	$0.69	$0.71	$0.89	$0.73	$0.64	$0.67	$0.81	$0.76	$0.64
Weighted Average Diluted Shares Outstanding	8.29M	8.29M	8.36M	8.36M	8.36M	8.36M	8.38M	8.38M	8.39M	8.41M	8.41M
Weighted Average Basic & Diluted Shares Outstanding	8.29M	8.29M	8.36M	8.36M	8.36M	8.36M	8.38M	8.38M	8.39M	8.41M	8.41M
Cash Dividends to Common per Share	$0.16	-	$0.23	-	$0.23	-	$0.30	-	$0.30	-	$0.38

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

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	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	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
Net Change in Cash & Equivalents	-33	-51	-47	11	34	-45	41	-10	48	-15	-31
Net Cash From Operating Activities	1.24	8.52	8.28	4.17	8.93	4.26	8.24	5.58	7.14	7.98	8.06
Net Cash From Continuing Operating Activities	1.01	8.52	8.28	4.17	8.93	4.26	8.24	5.58	7.14	7.98	8.06
Net Income / (Loss) Continuing Operations	7.35	5.87	5.73	5.89	7.32	6.01	5.30	5.59	6.69	6.34	5.31
Consolidated Net Income / (Loss)	7.35	5.87	5.73	5.89	7.32	6.01	5.30	5.59	6.69	6.34	5.31
Provision For Loan Losses	0.30	1.13	-	-	-1.62	-	0.27	-	-0.06	0.87	0.46
Depreciation Expense	0.33	0.33	0.33	0.33	0.32	0.34	0.33	0.33	0.33	0.39	0.39
Amortization Expense	0.12	0.24	0.17	0.09	0.18	0.23	0.14	0.09	0.16	0.12	0.15
Non-Cash Adjustments to Reconcile Net Income	-5.96	6.35	-1.33	-0.57	3.13	-3.79	-1.27	-1.50	3.09	1.05	-1.67
Changes in Operating Assets and Liabilities, net	-1.13	-5.38	3.39	-1.57	-0.41	1.46	3.47	1.08	-3.08	-0.78	3.42
Net Cash From Investing Activities	-17	-44	-15	-26	-19	-55	17	-14	-20	-41	-23
Net Cash From Continuing Investing Activities	-17	-44	-15	-26	-19	-55	17	-14	-20	-41	-23
Purchase of Property, Leasehold Improvements and Equipment	-0.03	-0.25	-0.14	-0.59	-0.18	-0.87	-1.18	-1.58	-0.79	-0.56	-0.21
Purchase of Investment Securities	-21	-46	-5.01	-87	-37	-73	15	-22	-41	-56	-35
Sale and/or Maturity of Investments	4.89	2.05	-9.87	61	18	19	3.83	10	21	15	12
Net Cash From Financing Activities	-17	-16	-40	32	44	5.39	15	-2.35	61	18	-15
Net Cash From Continuing Financing Activities	-17	-16	-40	32	44	5.39	15	-2.35	61	18	-15
Net Change in Deposits	-16	-16	-38	32	46	5.39	18	-2.35	64	18	-12
Payment of Dividends	-1.33	-	-1.87	-	-1.88	-	-2.51	-	-2.52	-	-3.15
Other Financing Activities, Net	-0.04	-	-0.11	-	-0.05	-	-0.24	-	-0.04	-	-0.31
Cash Interest Paid	1.41	2.16	2.71	2.93	3.50	3.61	3.30	3.27	3.32	3.39	3.37

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

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

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%

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

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	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
DEI Shares Outstanding	8,281,661.00	8,293,168.00	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
DEI Adjusted Shares Outstanding	8,281,661.00	8,293,168.00	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
DEI Earnings Per Adjusted Shares Outstanding	0.89	0.71	0.69	0.70	0.88	-	0.63	0.67	0.80	0.76	0.63
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	11.54%	-4.21%	-11.50%	-9.54%	-4.89%	-2.00%	3.52%	4.23%	8.56%	10.41%	6.98%
EBITDA Growth	5.67%	-36.58%	-38.30%	-32.39%	2.27%	-0.47%	-6.05%	-3.45%	-12.35%	5.16%	1.18%
EBIT Growth	9.23%	-37.63%	-39.24%	-32.40%	1.78%	-0.66%	-6.02%	-3.59%	-12.93%	5.53%	0.15%
NOPAT Growth	8.15%	-38.10%	-37.92%	-29.93%	-0.41%	2.44%	-7.51%	-5.11%	-8.62%	5.44%	0.23%
Net Income Growth	8.15%	-38.10%	-37.92%	-29.93%	-0.41%	2.44%	-7.51%	-5.11%	-8.62%	5.44%	0.23%
EPS Growth	7.23%	-37.39%	-38.39%	-30.39%	0.00%	1.39%	-7.25%	-5.63%	-8.99%	4.11%	0.00%
Operating Cash Flow Growth	-84.65%	13.52%	-31.09%	-63.03%	617.85%	-50.07%	-0.51%	34.01%	-20.07%	87.47%	-2.24%
Free Cash Flow Firm Growth	-153.35%	-231.97%	198.87%	6.15%	-99.39%	66.26%	-100.64%	55.19%	85.59%	-60.59%	-53.22%
Invested Capital Growth	27.22%	31.17%	-91.40%	16.77%	37.23%	10.44%	9.95%	8.15%	6.95%	13.38%	12.33%
Revenue Q/Q Growth	-2.65%	-4.07%	-4.62%	1.56%	2.36%	-1.15%	0.75%	2.25%	6.61%	0.53%	-2.38%
EBITDA Q/Q Growth	-13.31%	-17.18%	-7.30%	1.59%	31.13%	-18.99%	-11.86%	3.56%	19.04%	-4.01%	-15.19%
EBIT Q/Q Growth	-12.49%	-19.19%	-7.04%	2.84%	31.75%	-21.12%	-12.06%	5.49%	18.98%	-4.40%	-16.54%
NOPAT Q/Q Growth	-12.49%	-20.25%	-2.35%	2.83%	24.37%	-17.97%	-11.83%	5.49%	19.77%	-5.35%	-16.20%
Net Income Q/Q Growth	-12.49%	-20.25%	-2.35%	2.83%	24.37%	-17.97%	-11.83%	5.49%	19.77%	-5.35%	-16.20%
EPS Q/Q Growth	-12.75%	-19.10%	-4.17%	2.90%	25.35%	-17.98%	-12.33%	4.69%	20.90%	-6.17%	-15.79%
Operating Cash Flow Q/Q Growth	-88.96%	585.05%	-2.79%	-49.70%	114.30%	-52.35%	93.70%	-29.92%	27.83%	11.75%	1.00%
Free Cash Flow Firm Q/Q Growth	-7.66%	-55.90%	5,395.93%	-101.06%	-128.73%	73.62%	0.26%	25.55%	26.42%	-193.90%	4.83%
Invested Capital Q/Q Growth	-8.17%	22.94%	0.50%	2.93%	7.91%	-1.06%	0.05%	1.25%	6.71%	4.89%	-0.88%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	49.11%	42.40%	41.21%	41.22%	52.81%	43.06%	37.40%	38.19%	42.64%	40.72%	35.37%
EBIT Margin	46.95%	39.55%	38.54%	39.03%	50.24%	40.09%	34.99%	36.10%	40.29%	38.32%	32.76%
Profit (Net Income) Margin	35.87%	29.82%	30.53%	30.91%	37.56%	31.17%	27.28%	28.14%	31.62%	29.77%	25.55%
Tax Burden Percent	76.40%	75.40%	79.20%	79.20%	74.76%	77.74%	77.94%	77.95%	78.46%	77.68%	78.00%
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	23.60%	24.60%	20.80%	20.80%	25.24%	22.26%	22.06%	22.05%	21.54%	22.32%	22.00%
Return on Invested Capital (ROIC)	24.76%	16.79%	2.32%	15.12%	18.04%	13.66%	12.03%	12.28%	13.14%	12.43%	10.90%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	2.32%	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%	13.52%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Equity (ROE)	0.00%	0.00%	15.84%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Cash Return on Invested Capital (CROIC)	4.60%	-5.89%	170.92%	0.10%	-15.91%	4.35%	4.52%	5.71%	5.58%	-0.32%	0.66%
Operating Return on Assets (OROA)	2.06%	1.71%	1.65%	1.64%	2.07%	1.64%	1.45%	1.50%	1.65%	1.60%	1.38%
Return on Assets (ROA)	1.57%	1.29%	1.30%	1.30%	1.55%	1.28%	1.13%	1.17%	1.29%	1.24%	1.08%
Return on Common Equity (ROCE)	0.00%	0.00%	15.84%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Equity Simple (ROE_SIMPLE)	25.51%	0.00%	16.39%	14.46%	13.38%	0.00%	13.36%	13.03%	11.90%	0.00%	11.61%
Net Operating Profit after Tax (NOPAT)	7.35	5.87	5.73	5.89	7.32	6.01	5.30	5.59	6.69	6.34	5.31
NOPAT Margin	35.87%	29.82%	30.53%	30.91%	37.56%	31.17%	27.28%	28.14%	31.62%	29.77%	25.55%
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	41.17%	43.79%	48.97%	47.62%	46.01%	45.82%	49.53%	48.03%	46.60%	45.06%	51.95%
Operating Expenses to Revenue	51.59%	54.71%	61.46%	60.97%	58.07%	59.91%	63.59%	63.90%	59.99%	57.62%	65.01%
Earnings before Interest and Taxes (EBIT)	9.63	7.78	7.23	7.44	9.80	7.73	6.80	7.17	8.53	8.16	6.81
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	10	8.34	7.73	7.85	10	8.30	7.26	7.58	9.03	8.67	7.35
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.51	1.45	1.21	1.18	1.17	1.32	1.11	1.22	1.19	1.20	1.32
Price to Tangible Book Value (P/TBV)	1.55	1.48	1.23	1.20	1.19	1.34	1.13	1.24	1.21	1.22	1.35
Price to Revenue (P/Rev)	2.45	2.93	2.52	2.60	2.82	3.16	2.64	2.89	2.96	3.05	3.28
Price to Earnings (P/E)	5.93	7.83	7.37	8.15	8.76	9.69	8.32	9.33	10.01	10.42	11.40
Dividend Yield	1.30%	1.10%	1.58%	1.59%	1.73%	1.56%	2.15%	1.95%	2.13%	2.02%	2.08%
Earnings Yield	16.87%	12.78%	13.58%	12.27%	11.42%	10.32%	12.02%	10.72%	9.99%	9.60%	8.77%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.15	0.19	0.13	0.02	0.40	0.00	0.15	0.00	0.08	0.35
Enterprise Value to Revenue (EV/Rev)	0.00	0.30	0.40	0.28	0.04	0.95	0.00	0.35	0.00	0.21	0.86
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.59	0.84	0.65	0.10	2.12	0.00	0.80	0.00	0.52	2.18
Enterprise Value to EBIT (EV/EBIT)	0.00	0.62	0.89	0.69	0.10	2.26	0.00	0.86	0.00	0.56	2.32
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.81	1.16	0.89	0.13	2.92	0.00	1.12	0.00	0.71	2.98
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.75	1.08	1.00	0.11	2.84	0.00	1.01	0.00	0.59	2.50
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.02	139.95	0.00	9.59	0.00	2.64	0.00	0.00	55.19
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	5.83	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Leverage Ratio	15.74	13.02	12.15	11.61	11.66	10.71	10.64	10.52	10.15	10.02	10.10
Compound Leverage Factor	15.74	13.02	12.15	11.61	11.66	10.71	10.64	10.52	10.15	10.02	10.10
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)	-22	-34	1,779	-19	-43	-11	-11	-8.42	-6.19	-18	-17
Operating Cash Flow to CapEx	3,658.82%	3,368.38%	6,002.90%	706.27%	4,879.78%	490.21%	699.07%	352.53%	903.54%	1,437.30%	3,800.47%
Free Cash Flow to Firm to Interest Expense	-15.28	-14.58	646.85	-6.36	-12.31	-3.09	-3.42	-2.58	-1.87	-5.34	-5.09
Operating Cash Flow to Interest Expense	0.88	3.70	3.01	1.41	2.56	1.16	2.49	1.71	2.15	2.34	2.37
Operating Cash Flow Less CapEx to Interest Expense	0.86	3.59	2.96	1.21	2.51	0.92	2.13	1.22	1.91	2.18	2.31
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	5.35	5.29	5.20	4.85	4.85	4.76	4.70	4.54	4.60	4.62	4.61
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	135	166	167	172	185	183	184	186	198	208	206
Invested Capital Turnover	0.69	0.56	0.08	0.49	0.48	0.44	0.44	0.44	0.42	0.42	0.43
Increase / (Decrease) in Invested Capital	29	39	-1,774	25	50	17	17	14	13	25	23
Enterprise Value (EV)	-73	25	32	22	3.26	73	-5.38	27	-11	17	71
Market Capitalization	204	241	201	202	217	242	204	226	236	249	273
Book Value per Share	$16.31	$20.03	$20.13	$20.55	$22.18	$21.95	$21.96	$22.17	$23.66	$24.79	$24.50
Tangible Book Value per Share	$15.89	$19.61	$19.71	$20.14	$21.77	$21.54	$21.55	$21.77	$23.26	$24.40	$24.11
Total Capital	135	166	167	172	185	183	184	186	198	208	206
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	-278	-217	-170	-180	-214	-169	-209	-199	-247	-232	-202
Capital Expenditures (CapEx)	0.03	0.25	0.14	0.59	0.18	0.87	1.18	1.58	0.79	0.56	0.21
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)	0.44	0.56	0.50	0.42	0.50	0.57	0.47	0.41	0.50	0.51	0.54
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.90	$0.70	$0.70	$0.72	$0.89	$0.73	$0.64	$0.68	$0.81	$0.77	$0.64
Adjusted Weighted Average Basic Shares Outstanding	8.29M	8.29M	8.36M	8.36M	8.36M	8.36M	8.38M	8.38M	8.39M	8.41M	8.41M
Adjusted Diluted Earnings per Share	$0.89	$0.72	$0.69	$0.71	$0.89	$0.73	$0.64	$0.67	$0.81	$0.76	$0.64
Adjusted Weighted Average Diluted Shares Outstanding	8.29M	8.29M	8.36M	8.36M	8.36M	8.36M	8.38M	8.38M	8.39M	8.41M	8.41M
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	8.29M	8.29M	8.36M	8.36M	8.36M	8.36M	8.38M	8.38M	8.39M	8.41M	8.41M
Normalized Net Operating Profit after Tax (NOPAT)	7.35	5.87	5.73	5.89	7.32	6.01	5.30	5.59	6.69	6.34	5.31
Normalized NOPAT Margin	35.87%	29.82%	30.53%	30.91%	37.56%	31.17%	27.28%	28.14%	31.62%	29.77%	25.55%
Pre Tax Income Margin	46.95%	39.55%	38.54%	39.03%	50.24%	40.09%	34.99%	36.10%	40.29%	38.32%	32.76%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	6.82	3.38	2.63	2.52	2.81	2.11	2.05	2.19	2.57	2.39	2.00
NOPAT to Interest Expense	5.21	2.55	2.08	1.99	2.10	1.64	1.60	1.71	2.02	1.86	1.56
EBIT Less CapEx to Interest Expense	6.80	3.27	2.58	2.32	2.75	1.87	1.70	1.71	2.33	2.23	1.94
NOPAT Less CapEx to Interest Expense	5.19	2.44	2.03	1.79	2.05	1.40	1.24	1.23	1.78	1.69	1.50
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	7.68%	8.58%	11.67%	12.85%	15.11%	15.02%	17.90%	18.12%	21.29%	21.00%	23.66%
Augmented Payout Ratio	7.68%	8.58%	11.67%	12.85%	15.11%	15.02%	17.90%	18.12%	21.29%	21.00%	23.66%

Financials Breakdown Chart

Key Financial Trends

Oak Valley Bancorp’s Q1 2026 results show a profitable bank with solid core earnings, but the quarter also featured meaningful balance sheet and cash flow pressures. Net income was $5.3 million, down slightly from $6.3 million in Q4 2025 and roughly flat versus $5.3 million in Q1 2025. Revenue also slipped modestly quarter over quarter, while expenses remained elevated. The bigger story, however, was the sharp drop in cash and equivalents and a sizable quarterly outflow in deposits and investments.

On the income statement, operating performance remained healthy but not especially flashy. Total revenue in Q1 2026 was $20.8 million, compared with $21.3 million in Q4 2025 and $19.4 million in Q1 2025. Net interest income was $18.8 million, down from $19.5 million in the prior quarter, reflecting a modest decline in interest income and stable interest expense. Non-interest income improved sequentially from Q4 2025, but non-interest expense also rose, limiting margin expansion.

Profitability remains respectable, but there are signs of margin pressure. Pretax income fell to $6.8 million from $8.2 million in Q4 2025, while the provision for credit losses was still manageable at $464,000. Earnings per share came in at $0.64, below the $0.77 reported in Q4 2025. Compared with Q1 2025, EPS was essentially unchanged, suggesting the bank is still generating steady profits, though without much growth momentum.

Balance sheet trends were mixed. Total assets rose to $2.01 billion from $1.92 billion in Q2 2025 and $1.99 billion in Q3 2025. Loans and leases, net, increased to $1.13 billion, which is constructive for earning assets. However, cash and due from banks fell sharply to $155.6 million from $225.5 million in Q3 2025, and total equity edged down to $206.2 million from $198.3 million a year earlier, indicating that some parts of the balance sheet were under pressure.

Cash flow was the most concerning part of the report. Oak Valley generated $8.1 million of operating cash flow in Q1 2026, which is solid. But investing activities used $23.2 million of cash, and financing activities used another $15.4 million, leading to a net cash decline of $30.6 million for the quarter. The bank also reported $11.97 million of deposit outflows in Q1 2026, reversing the deposit gains seen in parts of 2025.

Looking over the last several quarters, Oak Valley’s earnings have been fairly resilient, but deposit and liquidity volatility stands out. Quarterly net income has generally stayed in a fairly tight range around the mid-$5 million to low-$7 million level, while net interest income has held up near the high teens. That suggests the franchise is still producing consistent earnings. The concern is that the bank has had repeated swings in deposits and cash balances, which can affect funding stability and future loan growth.

Steady profitability: Q1 2026 net income of $5.3 million shows the bank remains consistently profitable.
Healthy operating cash flow: Operating activities generated $8.1 million in Q1 2026.
Loan growth continues: Net loans and leases rose to $1.13 billion, up from prior quarters.
Credit costs remained controlled: Provision for credit losses was $464,000, not excessive relative to revenue.
Equity base remains intact: Total common equity was $206.2 million, providing a meaningful capital cushion.
Revenue was slightly lower sequentially: Q1 2026 total revenue of $20.8 million was below Q4 2025.
Non-interest income improved modestly: It rose to $2.0 million from $1.8 million in Q4 2025.
Shares outstanding were stable: Basic and diluted shares were unchanged at about 8.4 million.
Cash declined sharply: Net change in cash and equivalents was a $30.6 million outflow in Q1 2026.
Deposits fell in Q1 2026: Net change in deposits was a $12.0 million outflow, which could pressure funding if it continues.
Earnings per share declined sequentially: EPS slipped to $0.64 from $0.77 in Q4 2025.

Bottom line: Oak Valley Bancorp still looks like a steadily profitable community bank with decent loan growth and solid operating cash flow. But investors should pay close attention to deposit trends, liquidity, and the recent cash drawdown. If deposits stabilize and earnings hold near current levels, the stock could remain fundamentally sound. If deposit outflows persist, that could become the key risk to watch.

07/23/26 03:05 AM 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 fiscal year ends in December. Their fiscal 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. Find out what analysts predict for Oak Valley Bancorp in the coming months.

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%.

Oak Valley Bancorp's total liabilities were at $1.82 billion at the end of 2025, a 5.7% increase from 2024, and a 121.7% increase since 2015.

In the past 10 years, Oak Valley Bancorp's cash and equivalents has ranged from $116.43 million in 2018 to $735.33 million in 2021, and is currently $203.10 million as of their latest financial filing in 2025.

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 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Oak Valley Bancorp (OVLY) Financials

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Oak Valley Bancorp (OVLY) Financials

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Financials Breakdown Chart

Key Financial Trends

Oak Valley Bancorp Financials - Frequently Asked Questions

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