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Equiscale · Syntellia LLC
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.
Rule-based from financial data. Not advice.
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% | - | - |
| 2021 | - | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 65.65 | 82.43 | 76.59 | 81.73 |
| Operating Revenue | - | 65.65 | 82.43 | 76.59 | 81.73 |
| Selling General And Administration | - | 23.04 | 26.11 | 28.64 | 30.84 |
| Interest Income | - | 61.20 | 80.67 | 82.89 | 87.92 |
| Interest Expense | - | 1.12 | 4.86 | 12.86 | 13.31 |
| Net Interest Income | - | 60.08 | 75.80 | 70.03 | 74.61 |
| Pretax Income | - | 29.69 | 40.31 | 32.19 | 30.65 |
| Tax Provision | - | 6.79 | 9.46 | 7.24 | 6.74 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0 | 0 | 0 |
| Net Income Continuous Operations | - | 22.90 | 30.85 | 24.95 | 23.91 |
| Net Income From Continuing And Discontinued Operation | - | 22.90 | 30.85 | 24.95 | 23.91 |
| Net Income From Continuing Operation Net Minority Interest | - | 22.90 | 30.85 | 24.95 | 23.91 |
| Net Income | - | 22.90 | 30.85 | 24.95 | 23.91 |
| Net Income Common Stockholders | - | 22.90 | 30.85 | 24.95 | 23.91 |
| Net Income Including Noncontrolling Interests | - | 22.90 | 30.85 | 24.95 | 23.91 |
| Normalized Income | - | 22.90 | 30.85 | 24.95 | 23.91 |
| Diluted NI Availto Com Stockholders | - | 22.90 | 30.85 | 24.95 | 23.91 |
| Basic Average Shares | - | 8.17 | 8.19 | 8.22 | 8.24 |
| Diluted Average Shares | - | 8.20 | 8.23 | 8.26 | 8.29 |
| Reconciled Depreciation | - | 1.15 | 1.10 | 1.09 | 1.14 |
| Total Unusual Items | 0 | - | - | - | - |
| Total Unusual Items Excluding Goodwill | 0 | - | - | - | - |
| Gain On Sale Of Security | - | 0 | 0.16 | 0.11 | 0 |
| General And Administrative Expense | - | 23.04 | 26.11 | 28.64 | 30.84 |
| Other Gand A | 2.77 | - | - | - | - |
| Salaries And Wages | - | 23.04 | 26.11 | 28.64 | 30.84 |
| Average Dilution Earnings | - | - | - | 0 | 0 |
| 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 | $283M | 11.84↓ discount | 1.36 | 11.5% | - |
| John Marshall Bancorp, Inc. | JMSB | $299M | 14.06 | 1.12 | 8.0% | - |
| FS Bancorp, Inc. | FSBW | $297M | 8.91 | 0.97 | 10.8% | - |
| Blue Ridge Bankshares, Inc. | BRBS | $295M | 27.54 | 0.91 | 3.3% | - |
| MBIA Inc. | MBI | $291M |
| - |
| - |
| - |
| - |
| -1.65 |
| -0.13 |
| 7.9% |
| - |
| First Community Corporation | FCCO | $289M | 15.07 | 1.73 | 11.5% | - |
| FVCBankcorp, Inc. | FVCB | $288M | 13.08 | 1.14 | 8.7% | - |
| First Western Financial, Inc. | MYFW | $281M | 21.28 | 1.06 | 5.0% | - |
| Fidelity D & D Bancorp, Inc. | FDBC | $273M | 9.67 | 1.14 | 11.8% | - |
| Peer Median | - | 13.57 | 1.09 | 8.3% | - | |
Historically, Dec has averaged the highest return (+6.2%); Mar the lowest (-4.7%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +6.3%Positive MonthJan 2026: +6.29% | +0.2%Neutral MonthFeb 2026: +0.16% | +1.3%Neutral MonthMar 2026: +1.34% | +2.0%Positive MonthApr 2026: +2.00% | -0.5%Neutral MonthMay 2026: -0.51% | +2.6%Positive MonthJun 2026: +2.55% | +0.4%Neutral MonthJul 2026: +0.36% | +0.5%*Neutral MonthAug 2026: +0.47% | — | — | — | — |
| 2025 | -11.6%Negative MonthJan 2025: -11.56% | +4.6%Positive MonthFeb 2025: +4.64% | -7.8%Negative MonthMar 2025: -7.79% | +5.0%Positive MonthApr 2025: +4.97% | -2.7%Negative MonthMay 2025: -2.71% | +6.9%Positive MonthJun 2025: +6.87% | -2.2%Negative MonthJul 2025: -2.17% | +6.9%Positive MonthAug 2025: +6.90% | -1.1%Neutral MonthSep 2025: -1.12% | -3.2%Negative MonthOct 2025: -3.16% | +3.0%Positive MonthNov 2025: +3.01% | +7.0%Positive MonthDec 2025: +6.98% |
| 2024 | -13.0%Negative MonthJan 2024: -13.02% | -4.3%Negative MonthFeb 2024: -4.30% | -0.6%Neutral MonthMar 2024: -0.60% | -2.5%Negative MonthApr 2024: -2.54% | -1.4%Neutral MonthMay 2024: -1.37% | +4.8%Positive MonthJun 2024: +4.83% | +14.0%Positive MonthJul 2024: +14.02% | -6.3%Negative MonthAug 2024: -6.32% | -0.4%Neutral MonthSep 2024: -0.37% | +1.6%Neutral MonthOct 2024: +1.62% | +15.4%Positive MonthNov 2024: +15.41% | -6.1%Negative MonthDec 2024: -6.13% |
| 2023 | +11.8%Positive MonthJan 2023: +11.79% | +8.0%Positive MonthFeb 2023: +8.02% | -13.5%Negative MonthMar 2023: -13.49% | +9.0%Positive MonthApr 2023: +9.00% | -10.5%Negative MonthMay 2023: -10.47% | +9.1%Positive MonthJun 2023: +9.09% | +8.7%Positive MonthJul 2023: +8.73% | -8.3%Negative MonthAug 2023: -8.32% | -0.1%Neutral MonthSep 2023: -0.12% | -0.5%Neutral MonthOct 2023: -0.52% | +4.6%Positive MonthNov 2023: +4.65% | +14.7%Positive MonthDec 2023: +14.71% |
| 2022 | +4.7%Positive MonthJan 2022: +4.71% | +4.3%Positive MonthFeb 2022: +4.28% | -2.9%Negative MonthMar 2022: -2.89% | -5.3%Negative MonthApr 2022: -5.26% | -2.7%Negative MonthMay 2022: -2.75% | +1.2%Neutral MonthJun 2022: +1.18% | +4.6%Positive MonthJul 2022: +4.59% | +0.6%Neutral MonthAug 2022: +0.56% | -1.2%Neutral MonthSep 2022: -1.22% | +10.4%Positive MonthOct 2022: +10.35% | -1.1%Neutral MonthNov 2022: -1.06% | +16.1%Positive MonthDec 2022: +16.09% |
| 2021 | — | — | — | — | +6.5%Positive MonthMay 2021: +6.54% | -3.9%Negative MonthJun 2021: -3.86% | -3.8%Negative MonthJul 2021: -3.80% | -0.2%Neutral MonthAug 2021: -0.17% | +0.5%Neutral MonthSep 2021: +0.52% | -1.7%Neutral MonthOct 2021: -1.65% | +1.4%Neutral MonthNov 2021: +1.39% | -0.5%Neutral MonthDec 2021: -0.51% |
| Avg±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation — the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position — all Januaries together, all Februaries together, and so on — to show whether a given month has leaned positive or negative historically. ‘Simple’ counts each month as +1 or −1. ‘Weighted’ gives larger moves more influence: +2 above +10%, −2 below −10%. With only 6 years of history for this asset, each month’s score reflects a small number of observations — read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen — at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in “Average from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
