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Company Analysis

Oak Valley Bancorp (CA) OVLY

A comprehensive view of key metrics, scores, and financial health for Oak Valley Bancorp (CA)

Overview of Oak Valley Bancorp

OVLY NCM
Financial Services Banks - Regional Micro Cap
Oak Valley Bancorp (OVLY), is a Micro Cap company, in the Banks - Regional industry, last closed at $31.75, about 22.1% overvalued vs fair value, +30.6% 1Y return, ranked 275/1004 in sector.
$31.75
0.41%
As of March 13, 2026
Previous close • Vol 90d: 22.3%
52-Week Range
Market Cap
$271.90M
Enterprise Value
$46.43M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.ovcb.com
HQ Oakdale, CA
Employees 238
Fiscal year Dec 31

Next Events

Earnings Apr 17 Estimated

Fair Value Snapshot

Bear Base Bull
$14
$25
$46
Current: $31.75 -22% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$82.9M
2.8%%
Interest Expense
$12.9M
Net Interest Income
$70.0M
-7.6%%
Total Revenue
$81.7M
6.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
13.6%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$3.9M
15.7% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
0/1
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Oak Valley Bancorp (CA)'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
75
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
68
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing OVLY's balance between Growth (12.9%), Profitability (44.1%), and Safety (43.0%). Growth 13% Safety 43% Profitability 44%

Click axes to expand details. Marker shows current allocation.

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Growth

25th percentile vs peers
26
Key Signals
Asset Growth YoY 3.2% 46p Rev Growth YoY 6.7% 15p Revenue CAGR 3Y 7.6% 18p
Strengths
  • Roe in top 20% of peers (14.3%, 88th percentile)
  • Operating Margin in top 20% of peers (37.5%, 89th percentile)
  • Roa in top 20% of peers (1.3%, 83th percentile)
Risks
  • Rev Growth Yoy in bottom 20% of peers (6.7%)
  • Growth below peer median (percentile: 25)

Profitability

88th percentile vs peers
88
Key Signals
Strengths
Risks
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Safety

85th percentile vs peers
86
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Oak Valley Bancorp (CA).

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$24.72
- - -
-22.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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