Stocktoria
Oak Valley Bancorp OVLY
Oak Valley Bancorp (OVLY) earns a Piotroski F-score of 3/9 (weak financial health). It pays a dividend yielding 1.77% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 3/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| OVLY | Oak Valley Bancorp | 3/9 | — | 11.8 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About Oak Valley Bancorp
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.
FAQ
Is OVLY financially healthy?
Oak Valley Bancorp's Piotroski F-score is 3/9 (8–9 is excellent, 0–3 weak).
Does OVLY pay a dividend, and is it safe?
Yes. Oak Valley Bancorp pays a dividend yielding about 1.77% with a 21.0% payout ratio, rated “safe” for safety.
How profitable is OVLY?
In FY2025, Oak Valley Bancorp had a return on equity of 11.5%.
Is OVLY overvalued or undervalued?
Oak Valley Bancorp trades at about 11.7× trailing earnings — near its 10-year norm (10-year range 6.9×–18.2×, median 11.1×). Stocktoria reports the data, not buy/sell advice.
Is OVLY a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Oak Valley Bancorp: a Piotroski F-score of 3/9, a P/E of about 11.8×, a dividend yield of 1.77%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.