Stock Scorecard
Stock Summary for Oak Valley Bancorp (OVLY) - $25.22 as of 5/8/2025 7:16:29 AM EST
Total Score
15 out of 30
Safety Score
49 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for OVLY
| Positive earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for OVLY
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for OVLY
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for OVLY
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for OVLY (49 out of 100)
| Stock Price Rating (Max of 10) | 7 |
| Historical Stock Price Rating (Max of 10) | 6 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 7 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 4 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 0 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for OVLY
Financial Details for OVLY
Company Overview |
|
|---|---|
| Ticker | OVLY |
| Company Name | Oak Valley Bancorp |
| Country | USA |
| Description | Oak Valley Bancorp is the banking holding company for Oak Valley Community Bank providing a range of commercial banking services to individuals and small and medium-sized businesses in Oakdale, California and surrounding areas. The company is headquartered in Oakdale, California. |
| Sector Name | FINANCE |
| Industry Name | STATE COMMERCIAL BANKS |
| Most Recent Quarter | 3/31/2025 |
| Next Earnings Date | 7/16/2025 |
Stock Price History |
|
| Last Day Price | 25.22 |
| Price 4 Years Ago | 16.43 |
| Last Day Price Updated | 5/8/2025 7:16:29 AM EST |
| Last Day Volume | 4,091 |
| Average Daily Volume | 9,750 |
| 52-Week High | 31.87 |
| 52-Week Low | 22.55 |
| Last Price to 52 Week Low | 11.84% |
Valuation Measures |
|
| Trailing PE | 8.36 |
| Industry PE | 16.15 |
| Sector PE | 18.79 |
| 5-Year Average PE | 6.68 |
| Free Cash Flow Ratio | 1.53 |
| Industry Free Cash Flow Ratio | 6.75 |
| Sector Free Cash Flow Ratio | 25.54 |
| Current Ratio Most Recent Quarter | 0.12 |
| Total Cash Per Share | 16.52 |
| Book Value Per Share Most Recent Quarter | 22.30 |
| Price to Book Ratio | 1.20 |
| Industry Price to Book Ratio | 1.05 |
| Sector Price to Book Ratio | 2.06 |
| Price to Sales Ratio Twelve Trailing Months | 2.78 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.02 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.16 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 8,382,100 |
| Market Capitalization | 211,396,562 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 2/3/2025 |
| Previous Dividend Amount | 0.2250 |
| Current Dividend Amount | 0.3000 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 0.53 |
| Trailing Annual Dividend Yield | 2.12% |
| Forward Annual Dividend Rate | 0.60 |
| Forward Annual Dividend Yield | 2.42% |
| 5-Year Dividend Payments Count | 10 |
| 3-Year Average Dividend Yield | 1.56% |
| 5-Year Average Dividend Yield | 1.45% |
| 1-Year Dividend Growth Rate Percentage | 33.33% |
| 3-Year Dividend Growth Rate Percentage | 15.47% |
| 5-Year Dividend Growth Rate Percentage | 19.93% |
| All-Time Dividend Growth Rate Percentage | 17.69% |
| Dividend Payout Ratio | 17.68% |
Income Statement |
|
| Quarterly Earnings Growth YOY | -7.20% |
| Annual Earnings Growth | -19.13% |
| Reported EPS 12 Trailing Months | 2.97 |
| Reported EPS Past Year | 0.00 |
| Reported EPS Prior Year | 3.02 |
| Net Income Twelve Trailing Months | 24,518,000 |
| Net Income Past Year | 24,948,000 |
| Net Income Prior Year | 30,848,000 |
| Quarterly Revenue Growth YOY | 3.50% |
| 5-Year Revenue Growth | 11.16% |
| Operating Margin Twelve Trailing Months | 35.00% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 138,481,000 |
| Total Cash Past Year | 138,481,000 |
| Total Cash Prior Year | 180,068,000 |
| Net Cash Position Most Recent Quarter | 138,481,000 |
| Net Cash Position Past Year | 138,481,000 |
| Long Term Debt Past Year | 0 |
| Long Term Debt Prior Year | 0 |
| Total Debt Most Recent Quarter | 0 |
| Equity to Debt Ratio Past Year | 1.00 |
| Equity to Debt Ratio Most Recent Quarter | 1.00 |
| Total Stockholder Equity Past Year | 183,436,000 |
| Total Stockholder Equity Prior Year | 166,092,000 |
| Total Stockholder Equity Most Recent Quarter | 185,393,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 23,857,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 2.85 |
| Free Cash Flow Past Year | 23,857,000 |
| Free Cash Flow Prior Year | 31,165,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.18 |
| MACD Signal | 0.07 |
| 20-Day Bollinger Lower Band | 22.89 |
| 20-Day Bollinger Middle Band | 25.75 |
| 20-Day Bollinger Upper Band | 28.61 |
| Beta | 0.46 |
| RSI | 50.15 |
| 50-Day SMA | 23.89 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 22.13 |
System |
|
| Modified | 5/8/2025 7:17:16 AM EST |