OVLY · Oak Valley Bancorp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $1.38M | $1.32M | $1.33M | $1.31M | $1.33M | $1.20M |
| Operating Income | $30.65M | $32.19M | $40.31M | $29.69M | $17.74M | $17.74M |
| Interest Expense | - | - | $4.86M | $1.12M | $971.0K | $1.15M |
| Income Tax | $6.74M | $7.24M | $9.46M | $6.79M | $5.34M | $4.06M |
| Net Income | $23.91M | $24.95M | $30.85M | $22.90M | $16.34M | $13.69M |
| EPS - Basic | $2.90 | $3.04 | $3.76 | $2.80 | $2.01 | $1.68 |
| EPS - Diluted | $2.88 | $3.02 | $3.75 | $2.79 | $2.00 | $1.68 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $232.18M | $168.75M | $216.57M | $429.63M | $778.27M | $226.66M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $2.02B | $1.90B | $1.84B | $1.97B | $1.96B | $1.51B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $1.82B | $1.72B | $1.68B | $1.84B | $1.82B | $1.38B |
| Stockholders' Equity | $207.97M | $183.44M | $166.09M | $126.63M | $142.61M | $129.69M |
| Retained Earnings | $194.39M | $175.50M | $154.30M | $126.73M | $106.30M | $92.35M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $28.67M | $25.64M | $33.06M | $23.32M | $11.27M | $19.24M |
| Investing Cash Flow | ($57.20M) | ($114.70M) | ($79.50M) | ($376.69M) | $103.68M | ($285.65M) |
| Financing Cash Flow | $91.97M | $41.25M | ($166.62M) | $4.74M | $436.66M | $345.47M |
| CapEx | $4.11M | $1.78M | $1.89M | $1.19M | $978.0K | $1.74M |
| Free Cash Flow | $24.56M | $23.86M | $31.16M | $22.13M | $10.29M | $17.50M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.03 | 0.96 | 1.01 | 0.97 | 0.63 | 1.28 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 22.0% | 22.5% | 23.5% | 22.9% | 24.6% | 22.9% |
| Return on assets | 1.2% | 1.3% | 1.7% | 1.2% | 0.8% | 0.9% |
| Return on equity | 11.5% | 13.6% | 18.6% | 18.1% | 11.5% | 10.6% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 8.3x | 26.5x | 18.3x | 15.4x |
| Equity multiplier | 9.73 | 10.36 | 11.09 | 15.54 | 13.77 | 11.65 |
| Liabilities / Assets | 0.90 | 0.90 | 0.91 | 0.94 | 0.93 | 0.91 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 10.4x | 9.7x | 8.0x | 8.1x | 8.7x | 9.9x |
| P / B | 1.2x | 1.3x | 1.5x | 1.5x | 1.0x | 1.0x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 0.5x | 2.2x | 0.7x | -7.9x | -33.4x | -4.8x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | -4.8% | -20.1% | 35.8% | 67.3% | 0.0% | 6.3% |
| Net income growth (YoY) | -4.1% | -19.1% | 34.7% | 40.2% | 19.4% | 9.6% |
| EPS growth (YoY) | -4.6% | -19.5% | 34.4% | 39.5% | 19.0% | 9.1% |
| EPS CAGR (3y) | 1.1% | 14.7% | 30.7% | 21.9% | 12.1% | 14.1% |
| EPS CAGR (5y) | 11.4% | 14.4% | 21.4% | 19.8% | 16.1% | 22.5% |
| FCF growth (YoY) | 2.9% | -23.4% | 40.8% | 115.0% | -41.2% | 10.6% |
| FCF CAGR (5y) | 7.0% | 8.6% | 22.3% | 23.5% | 2.2% | 43.3% |
| Book value growth (YoY) | 13.4% | 10.4% | 31.2% | -11.2% | 10.0% | 15.2% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: State Commercial Banks
Comparing Oak Valley Bancorp against the 5 most active filers in the same SIC group.
Dividends
$0.68/share trailing 12 months · +28.6% YoY
| Ex-date | Per share |
|---|---|
| Feb 2, 2026 | $0.3750 |
| Jul 28, 2025 | $0.3000 |
| Feb 3, 2025 | $0.3000 |
| Jul 29, 2024 | $0.2250 |
| Jan 26, 2024 | $0.2250 |
| Jul 28, 2023 | $0.1600 |
| Jan 27, 2023 | $0.1600 |
| Jul 29, 2022 | $0.1500 |
| Jan 28, 2022 | $0.1500 |
| Jul 30, 2021 | $0.1450 |
| Jan 29, 2021 | $0.1450 |
| Jul 31, 2020 | $0.1400 |
| Jan 31, 2020 | $0.1400 |
| Jul 26, 2019 | $0.1350 |
| Jan 25, 2019 | $0.1350 |
| Jul 27, 2018 | $0.1300 |
| Jan 26, 2018 | $0.1300 |
| Jul 27, 2017 | $0.1250 |
| Jan 26, 2017 | $0.1250 |
| Jul 28, 2016 | $0.1200 |
| Jan 28, 2016 | $0.1200 |
| Jul 16, 2015 | $0.1100 |
| Jan 15, 2015 | $0.1000 |
| Jul 10, 2014 | $0.0650 |