Stocktoria

Oak Valley Bancorp OVLY

Nasdaq · stock · State Commercial Banks · website · IPO 1997-02-07

Oak Valley Bancorp statistics & valuation

Market cap$283.4M
P / E11.8×
P / B1.4×
P / FCF11.5×
Graham number +19%$40.08

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($40.08); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
9.30% 10.00% 11.60% 11.10% 10.60% 11.50% 18.10% 18.60% 13.60% 11.50% 2016201720182019202020212022202320242025
Shares outstanding
8.1M 8.1M 8.2M 8.2M 8.2M 8.2M 8.3M 8.3M 8.4M 8.4M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.80% 0.90% 1.10% 1.10% 0.90% 0.80% 1.20% 1.70% 1.30% 1.20% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$0.95 $1.13 $1.42 $1.54 $1.68 $2.00 $2.79 $3.75 $3.02 $2.88 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Oak Valley Bancorp trades at about 11.7× earnings — near its 10-year norm (10-year range 6.9×–18.2×, median 11.1×).

6.9× 18.2×

Shaded band = 10-year range (6.9×–18.2×); dot = today's 11.7×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets1.2%1.3%1.7%1.2%0.8%0.9%1.1%1.1%0.9%0.8%
Return on equity11.5%13.6%18.6%18.1%11.5%10.6%11.1%11.6%10.0%9.3%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.