Loading…
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.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $82M | - | $24M | $25M | 11.5% | 6.7% | -4.1% |
| 2024 | $77M | - | $25M | $24M | 13.6% | -7.1% | -19.1% |
| 2023 | $82M | - | $31M | $31M | 18.6% | 25.6% | 34.7% |
| 2022 | $66M | - | $23M | $22M | 18.1% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 65.65 | 82.43 | 76.59 | 81.73 |
| Pretax Income | 29.69 | 40.31 | 32.19 | 30.65 |
| Tax Provision | 6.79 | 9.46 | 7.24 | 6.74 |
| Net Income | 22.90 | 30.85 | 24.95 | 23.91 |
| Net Income Common Stockholders | 22.90 | 30.85 | 24.95 | 23.91 |
| Interest Expense | 1.12 | 4.86 | 12.86 | 13.31 |
| Interest Income | 61.20 | 80.67 | 82.89 | 87.92 |
| Selling General And Administration | 23.05 | 26.11 | 28.64 | 30.84 |
| Normalized Income | 22.90 | 30.85 | 24.95 | 23.91 |
| Basic EPS | 2.80 | 3.76 | 3.04 | 0 |
| Diluted EPS | 2.79 | 3.75 | 3.02 | 0 |
| Tax Effect Of Unusual Items | 0 | 0 | 0 | 0 |
| Tax Rate For Calcs | 0.23 | 0.23 | 0.23 | 0.22 |
| Total Unusual Items | 0 | 0 | 0 | 0 |
| Total Unusual Items Excluding Goodwill | 0 | 0 | 0 | 0 |
| Net Income From Continuing Operation Net Minority Interest | 22.90 | 30.85 | 24.95 | 23.91 |
| Reconciled Depreciation | 1.15 | 1.10 | 1.09 | 1.14 |
| Net Interest Income | 60.08 | 75.80 | 70.03 | 74.61 |
| Net Income From Continuing And Discontinued Operation | 22.90 | 30.85 | 24.95 | 23.91 |
| Diluted Average Shares | 8.20 | 8.23 | 8.26 | 0 |
| Basic Average Shares | 8.17 | 8.19 | 8.22 | 0 |
| Diluted NI Availto Com Stockholders | 22.90 | 30.85 | 24.95 | 23.91 |
| Average Dilution Earnings | 0 | 0 | 0 | 0 |
| Net Income Including Noncontrolling Interests | 22.90 | 30.85 | 24.95 | 23.91 |
| Net Income Continuous Operations | 22.90 | 30.85 | 24.95 | 23.91 |
| Gain On Sale Of Security | 0 | 0.16 | 0.11 | 0 |
| General And Administrative Expense | 23.05 | 26.11 | 28.64 | 30.84 |
| Other Gand A | 0 | 0 | 0 | 0 |
| Salaries And Wages | 23.05 | 26.11 | 28.64 | 30.84 |
| Operating Revenue | 65.65 | 82.43 | 76.59 | 81.73 |
| Occupancy And Equipment | 4.15 | 4.54 | 4.61 | 4.74 |
| Other Non Interest Expense | 10.11 | 10.51 | 12.77 | 14.69 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Oak Valley Bancorpthis co. | OVLY | $279M | 11.51↓ discount | 1.32 | 11.5% | - |
| John Marshall Bancorp, Inc. | JMSB | $297M | 14.01 | 1.11 | 8.0% | - |
| James River Group Holdings, Inc. | JRVR | $286M | 7.49 | 0.53 | 7.1% | 6.65 |
| Western New England Bancorp, Inc. | WNEB | $283M | 15.90 | 1.14 | 6.2% | - |
| FVCBankcorp, Inc. | FVCB | $280M |
| 12.16 |
| 1.10 |
| 8.7% |
| - |
| First Community Corporation | FCCO | $278M | 11.62 | 1.36 | 11.5% | - |
| Citizens, Inc. | CIA | $278M | 19.75 | 1.18 | 6.2% | 14.50 |
| First Western Financial, Inc. | MYFW | $270M | 18.01 | 0.99 | 5.0% | - |
| NI Holdings, Inc. | NODK | $267M | - | 1.11 | -4.3% | -18.82 |
| Peer Median | - | 14.01 | 1.11 | 6.6% | 6.65 | |