YOLFTbeta
Oak Valley Bancorp

Oak Valley Bancorp

OVLY · NASDAQ · Financial Services / Banks - Regional

34.42USD-0.15 (-0.43%)

Price History

Full chart

Market Stats

Previous Close34.57
Open34.37
Day Range34.22 – 34.55
52-Week Range24.83 – 35.57
Volume6.55K
Market Cap288.39M
P/E (TTM)12.11
Forward P/E10.45
EPS2.83
Dividend Yield2.19%
Beta0.21
50-Day Avg33.94
200-Day Avg33.00

About

Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank that provides a range of commercial banking services to individuals and small to medium-sized businesses in the Central Valley and the Eastern Sierras. The company accepts deposits through checking and savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. It also provides commercial real estate loans, commercial business lending and trade finance, and small business administration lending, as well as consumer loans, including automobile loans, home mortgages, credit lines, and other personal loans. In addition, the company offers Internet, online, and mobile banking services; automated teller machines; and remote deposit capture, merchant, night depository, extended hours, wire transfer of funds, and note collection services. Oak Valley Bancorp was incorporated in 1990 and is headquartered in Oakdale, California.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Richard A. McCarty
  • Employees246
  • Headquarters125 North Third Avenue, Oakdale, CA, United States, 95361, USA
  • Websitehttps://www.ovcb.com

Leadership

  • Mr. Richard A. McCartyPresident, CEO & Director · b. 1971
  • Mr. Michael J. RodriguesExecutive VP & Chief Credit Officer · b. 1970
  • Mr. Jeffrey A. GallExecutive VP, CFO & Corporate Secretary · b. 1976
  • Mr. Russell E. StahlExecutive VP of Information Technology & Chief Information Officer · b. 1971
  • Mr. Bill D. Nunes Jr.EVP & Chief Marketing Officer · b. 1974
  • Ms. Theresa V. RolandExecutive VP & Chief Human Resource Officer · b. 1979
  • Mr. Gary W. StephensExecutive Vice President of Commercial Banking Group · b. 1963
  • Ms. Kimberly D. BookeExecutive VP & Chief Risk Officer · b. 1970
  • Mr. Peter BrownSenior Vice President of Commercial Banking
  • Ms. Julie N. DeHartExecutive Vice President of Retail Banking Group · b. 1974

Financials

Income Statement

Currency: USD2001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue11.77M12.42M14.62M17.80M22.76M30.38M21.03M31.77M31.92M30.70M29.58M29.13M28.38M29.70M30.13M36.70M41.22M44.89M47.65M50.92M55.23M66.77M87.30M89.45M81.73M
Growth (%)-+5.51%+17.70%+21.76%+27.88%+33.50%-30.79%+51.08%+0.49%-3.85%-3.64%-1.51%-2.56%+4.64%+1.44%+21.82%+12.31%+8.89%+6.16%+6.88%+8.46%+20.88%+30.75%+2.47%-8.63%
Cost of Revenue4.87M4.38M4.00M4.55M6.99M11.96M13.56M10.92M11.50M6.94M3.15M2.29M1.13M-1.23M490.00K1.25M1.42M2.16M2.11M3.32M336.00K-231.00K5.83M11.24M805.00K
Gross Profit6.90M8.04M10.62M13.25M15.77M18.43M21.03M20.85M20.42M23.76M26.43M26.84M27.26M30.93M29.64M35.45M39.81M42.73M45.54M47.61M54.90M67.00M81.46M78.21M80.92M
Gross Margin58.61%64.73%72.63%74.45%69.29%60.65%100.00%65.63%63.97%77.39%89.36%92.15%96.03%104.14%98.37%96.60%96.57%95.19%95.57%93.48%99.39%100.35%93.32%87.43%99.02%
Operating Expense4.17M5.20M6.84M7.94M9.34M12.18M1.72M17.87M18.22M16.78M17.39M18.25M18.66M20.23M22.68M24.32M24.57M27.38M28.85M29.86M33.22M37.31M41.16M46.02M50.27M
Operating Income2.73M2.84M3.78M5.31M6.43M6.24M19.31M2.98M2.20M6.98M9.04M8.60M8.60M10.70M6.96M11.14M15.24M15.35M16.69M17.74M21.68M29.69M40.31M32.19M30.65M
Operating Margin23.23%22.83%25.86%29.84%28.25%20.55%91.82%9.39%6.90%22.74%30.55%29.50%30.28%36.01%23.11%30.35%36.97%34.19%35.02%34.84%39.25%44.47%46.17%35.99%37.50%
EBITDA2.88M2.90M4.39M5.93M7.30M7.14M19.31M4.10M3.24M7.94M10.03M9.73M9.76M11.87M8.17M12.39M16.36M16.53M17.78M18.94M22.82M30.84M41.40M33.29M31.79M
EBITDA Margin24.44%23.36%30.00%33.30%32.08%23.49%91.82%12.91%10.14%25.87%33.93%33.41%34.38%39.97%27.12%33.76%39.70%36.84%37.31%37.20%41.31%46.19%47.43%37.21%38.90%
Net Income1.66M1.80M2.32M3.25M3.93M3.83M3.97M2.16M2.00M4.63M5.86M5.78M5.89M7.12M4.91M7.67M9.09M11.54M12.49M13.69M16.34M22.90M30.85M24.95M23.91M
Net Income Margin14.09%14.47%15.86%18.27%17.29%12.61%18.87%6.81%6.26%15.08%19.81%19.84%20.74%23.98%16.29%20.88%22.06%25.70%26.21%26.88%29.58%34.30%35.34%27.89%29.26%
R&D----------00000000-------
R&D as % of Total Revenue----------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense4.66M3.95M3.35M3.61M6.28M11.36M13.01M8.73M5.64M2.92M1.65M1.14M827.75K647.00K615.00K764.00K1.06M1.61M1.57M1.15M971.00K1.12M4.86M12.86M13.31M
Interest Expense % of Total Revenue39.59%31.84%22.89%20.28%27.61%37.39%61.85%27.49%17.67%9.51%5.57%3.90%2.92%2.18%2.04%2.08%2.58%3.58%3.29%2.26%1.76%1.68%5.57%14.38%16.28%

Balance Sheet

Currency: USD2001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets157.96M193.35M240.50M313.06M382.12M455.21M454.26M508.20M524.72M552.40M612.17M660.48M671.85M749.66M897.04M1.00B1.03B1.09B1.15B1.51B1.96B1.97B1.84B1.90B2.02B
Total Liabilities143.40M176.98M222.50M284.82M351.08M420.79M411.90M450.22M464.03M487.74M541.77M590.61M607.34M674.62M818.77M919.66M944.09M995.85M1.04B1.38B1.82B1.84B1.68B1.72B1.82B
Total Equity14.57M16.38M18.00M28.25M31.04M34.42M42.36M57.99M60.69M64.66M70.40M69.97M64.52M75.04M78.26M82.45M90.77M99.04M112.57M129.69M142.61M126.63M166.09M183.44M207.97M
Cash13.31M9.64M12.63M7.30M20.50M25.18M10.40M9.07M20.00M28.09M73.19M130.80M100.10M132.08M174.78M179.03M142.97M116.42M133.81M193.57M735.33M415.80M180.07M138.48M203.10M
Total Debt14.50M11.50M22.00M34.50M19.00M33.60M62.00M69.00M32.20M8.00M3.00M-------------7.62M
Net Debt1.19M1.86M9.37M27.20M-1.50M8.42M51.60M59.93M12.20M-20.09M-70.19M-130.80M-100.10M-132.08M-174.78M-179.03M-142.97M-116.42M-133.81M-193.57M-735.33M-415.80M-180.07M-138.48M-203.10M

Cash Flow

Currency: USD2001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-1.65M360.95K2.62M3.14M6.11M8.11M-2.19M2.33M10.05M8.06M10.12M9.04M7.52M7.41M4.31M9.91M9.40M14.44M17.21M19.24M11.27M23.32M33.06M25.64M28.67M
Investing Cash Flow-21.33M-37.70M-40.27M-75.54M-61.60M-64.10M-11.50M-58.76M-11.64M16.50M-31.12M-9.63M-52.57M-34.97M-30.33M-107.16M-73.89M-82.97M-26.86M-285.65M103.68M-376.69M-79.50M-114.70M-57.20M
Financing Cash Flow23.10M33.07M44.85M69.07M63.70M63.31M73.83K52.07M13.40M22.72M53.15M40.84M8.91M66.66M72.34M97.46M22.86M45.50M31.10M345.47M436.66M4.74M-166.62M41.25M91.97M
Capital Expenditure659.67K250.27K856.31K695.12K1.29M422.01K4.85M2.12M136.16K966.07K4.32M821.35K448.00K1.56M1.42M663.00K2.19M1.65M1.38M1.74M978.00K1.19M1.89M1.78M4.11M
Free Cash Flow-2.31M110.68K1.76M2.44M4.81M7.69M-7.03M208.89K9.91M7.10M5.79M8.22M7.07M5.85M2.89M9.24M7.21M12.79M15.83M17.50M10.29M22.13M31.16M23.86M24.56M
Dividends Paid569.38K619.02K689.84K887.70K1.17M1.35M1.44M574.48K829.04K675.00K761.25K451.88K68.00K1.32M1.70M1.94M2.02M2.12M2.21M2.30M2.39M2.47M2.65M3.75M5.02M
FCF to OCF139.97%30.66%67.26%77.85%78.81%94.80%321.70%8.98%98.65%88.02%57.25%90.91%94.03%79.00%67.11%93.31%76.67%88.60%91.96%90.96%91.32%94.90%94.27%93.06%85.67%
Dividend Paid to FCF-24.65%559.29%39.22%36.33%24.20%17.53%-20.55%275.01%8.36%9.51%13.14%5.50%0.96%22.52%58.59%20.99%28.06%16.55%13.99%13.14%23.18%11.18%8.49%15.71%20.45%

Earnings

Report DateMar 31, 2007Jun 30, 2007Sep 30, 2007Dec 31, 2007Mar 31, 2008Jun 30, 2008Sep 30, 2008Feb 2, 2009Apr 27, 2009Aug 5, 2009Oct 21, 2009Feb 12, 2010Apr 23, 2010Jul 22, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Dec 31, 2016Mar 31, 2017Apr 21, 2017Jul 19, 2017Oct 18, 2017Jan 3, 2018Apr 18, 2018Jul 19, 2018Oct 24, 2018Jan 24, 2019Apr 18, 2019Jul 17, 2019Oct 18, 2019Jan 16, 2020Apr 22, 2020Jul 22, 2020Oct 21, 2020Jan 22, 2021Apr 23, 2021Jul 21, 2021Oct 21, 2021Jan 22, 2022Apr 21, 2022Jul 21, 2022Oct 21, 2022Jan 20, 2023Apr 20, 2023Jul 21, 2023Oct 19, 2023Jan 19, 2024Apr 19, 2024Jul 18, 2024Oct 21, 2024Jan 24, 2025Apr 18, 2025Jul 18, 2025Oct 23, 2025Jan 23, 2026Apr 23, 2026Jul 22, 2026Oct 28, 2026
EPS Estimate-------------------------------------------------------------------------------
EPS Actual0.140.140.130.260.100.070.070.030.03-0.030.090.070.100.110.170.120.160.150.170.170.160.180.180.160.180.190.220.180.320.190.200.190.190.170.060.190.240.240.290.270.270.350.310.320.350.320.390.370.380.370.400.390.330.320.460.570.530.480.560.420.290.520.831.151.121.020.890.710.690.710.890.730.640.670.810.760.640.61-
Surprise-------------------------------------------------------------------------------
Timing------------------------------------------------------------After-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hours

Key Statistics & Ratios

Market Cap288.39M
Enterprise Value96.67M
Trailing P/E12.11
Forward P/E10.45
PEG Ratio0.00
Price / Sales3.47
Price / Book1.33
EPS2.83
Book Value26.23
Revenue (TTM)83.07M
Gross Profit (TTM)83.07M
Profit Margin28.23%
Operating Margin32.65%
Return on Equity11.64%
Return on Assets1.20%
Shares Outstanding8.41M
Shares Float7.10M
Beta0.21
Dividend Yield2.19%
Dividend Rate0.75
Payout Ratio26.65%

Ownership Breakdown

Institutions
36.01%
Insiders
15.17%
Retail / Other
48.82%

Top Institutional Holders

  • BlackRock Inc
    427.31K5.08%
  • Siena Capital Management, LLC
    323.19K3.84%
  • Vanguard Capital Management, LLC
    318.51K3.79%
  • Dimensional Fund Advisors, Inc.
    189.03K2.25%
  • Geode Capital Management, LLC
    156.34K1.86%
  • Cresset Asset Management, LLC
    140.28K1.67%
  • State Street Corp
    106.15K1.26%
  • American Century Companies Inc
    99.56K1.18%
  • Bridgeway Capital Management, LLC
    56.28K0.67%
  • Northern Trust Corp
    49.29K0.59%
  • Two Sigma Investments LLC
    47.79K0.57%
  • The Goldman Sachs Group Inc
    47.72K0.57%
  • Cetera Investment Advisers
    45.01K0.54%
  • Vanguard Fiduciary Trust Co
    43.18K0.51%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    213.80K2.54%
  • iShares Russell 2000 ETF
    194.55K2.31%
  • Avantis US Small Cap Value ETF
    125.88K1.50%
  • BSF Systematic US Eq Abs Ret A2 USD
    78.81K0.94%
  • iShares Russell 2000 Value ETF
    78.10K0.93%
  • Fidelity Small Cap Index
    76.40K0.91%

Dividends

20262×
0.38Aug 3, 20260.38Feb 2, 2026
20252×
0.30Jul 28, 20250.30Feb 3, 2025
20242×
0.23Jul 29, 20240.23Jan 26, 2024
20232×
0.16Jul 28, 20230.16Jan 27, 2023
20222×
0.15Jul 29, 20220.15Jan 28, 2022
20212×
0.14Jul 30, 20210.14Jan 29, 2021
20202×
0.14Jul 31, 20200.14Jan 31, 2020
20192×
0.14Jul 26, 20190.14Jan 25, 2019
20182×
0.13Jul 27, 20180.13Jan 26, 2018
20172×
0.13Jul 27, 20170.13Jan 26, 2017
20162×
0.12Jul 28, 20160.12Jan 28, 2016
20152×
0.11Jul 16, 20150.10Jan 15, 2015

Stock Splits

  • Jan 17, 20063:2
  • Jan 14, 20053:2