Go Pro
→ Do NOT Buy SpaceX – Do This Instead (From Stansberry Research) (Ad)tc pixel Free OVLY Stock Alerts

Oak Valley Bancorp (OVLY) Financials

Oak Valley Bancorp logo
$33.86 -0.62 (-1.80%)
Closing price 07/2/2026 04:00 PM Eastern
Extended Trading
$33.83 -0.03 (-0.09%)
As of 07/2/2026 05:39 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.
Compare
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 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

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 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

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
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

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 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

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%.

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%.


Related Companies

Financial statements for NASDAQ:OVLY last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
From Our Partners
Trump's gold order: the announcement they won't put on the front page
On August 15, 1971, Nixon interrupted prime-time television and ended the gold standard in 15 minutes - no deb...
Reagan Gold Group | Sponsoredtc pixel
Trump Takes Emergency Action - Plus Elon Musk's New Venture
Elon Musk has quietly launched a new venture - one that has nothing to do with rockets, EVs, or Neuralink. Tru...
Altimetry | Sponsoredtc pixel
Do NOT Buy SpaceX – Do This Instead
SpaceX just went public - and Whitney Tilson, Harvard MBA and 30-year Wall Street veteran, says buying in coul...
Stansberry Research | Sponsoredtc pixel
SPCX Warning - and Worst News for Stocks in 50 Years
Goldman Sachs and Morgan Stanley are now predicting what could be the worst news for the U.S. stock market in ...
TradeSmith | Sponsoredtc pixel
CODE RED: AI Meltdown Imminent?
After correctly predicting the 2008 and 2020 stock market meltdowns, I believe this AI company is about to tri...
Paradigm Press | Sponsoredtc pixel
Trump just signed it
A recent policy development is drawing attention from income-focused investors. According to one analyst, c...
Investors Alley | Sponsoredtc pixel
From the man who predicted 2008 crash…
Porter Stansberry, founder of one of the largest financial research firms in the world, says he's breaking the...
Porter & Company | Sponsoredtc pixel
Your $29.97 book is free today
Why Some Traders Skip Stocks Entirely You don't need a big account to trade options. In fact, options ca...
Profits Run | Sponsoredtc pixel