Stock Scorecard
Stock Summary for Oak Valley Bancorp (OVLY) - $32.90 as of 4/4/2026 5:30:31 AM EST
Total Score
14 out of 30
Safety Score
52 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for OVLY
| Positive Quarterly and Annual 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 Annual earnings 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 (52 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 7 |
| 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) | 1 |
| 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 | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 4/17/2026 |
Stock Price History |
|
| Last Day Price | 32.90 |
| Price 4 Years Ago | 21.27 |
| Last Day Price Updated | 4/4/2026 5:30:31 AM EST |
| Last Day Volume | 18,565 |
| Average Daily Volume | 22,180 |
| 52-Week High | 34.16 |
| 52-Week Low | 22.49 |
| Last Price to 52 Week Low | 46.29% |
Valuation Measures |
|
| Trailing PE | 10.29 |
| Industry PE | 14.44 |
| Sector PE | 39.28 |
| 5-Year Average PE | 8.60 |
| Free Cash Flow Ratio | 1.36 |
| Industry Free Cash Flow Ratio | 13.45 |
| Sector Free Cash Flow Ratio | 82.76 |
| Current Ratio Most Recent Quarter | 0.09 |
| Total Cash Per Share | 24.21 |
| Book Value Per Share Most Recent Quarter | 22.52 |
| Price to Book Ratio | 1.33 |
| Industry Price to Book Ratio | 1.20 |
| Sector Price to Book Ratio | 1.73 |
| Price to Sales Ratio Twelve Trailing Months | 3.42 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.38 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.90 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 8,390,600 |
| Market Capitalization | 276,050,740 |
| Institutional Ownership | 31.30% |
Dividends |
|
| Ex-Dividend Date | 2/2/2026 |
| Previous Dividend Amount | 0.3000 |
| Current Dividend Amount | 0.3750 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 0.68 |
| Trailing Annual Dividend Yield | 2.05% |
| Forward Annual Dividend Rate | 0.75 |
| Forward Annual Dividend Yield | 2.28% |
| 5-Year Dividend Payments Count | 10 |
| 3-Year Average Dividend Yield | 2.02% |
| 5-Year Average Dividend Yield | 1.54% |
| 1-Year Dividend Growth Rate Percentage | 25.00% |
| 3-Year Dividend Growth Rate Percentage | 11.80% |
| 5-Year Dividend Growth Rate Percentage | 25.74% |
| All-Time Dividend Growth Rate Percentage | 18.92% |
| Dividend Payout Ratio | 23.77% |
Income Statement |
|
| Quarterly Earnings Growth YOY | -9.00% |
| Annual Earnings Growth | -4.15% |
| Reported EPS 12 Trailing Months | 2.84 |
| Reported EPS Past Year | 2.88 |
| Reported EPS Prior Year | 3.02 |
| Net Income Twelve Trailing Months | 23,913,000 |
| Net Income Past Year | 23,913,000 |
| Net Income Prior Year | 24,948,000 |
| Quarterly Revenue Growth YOY | 0.50% |
| 5-Year Revenue Growth | 9.92% |
| Operating Margin Twelve Trailing Months | 40.20% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 203,099,000 |
| Total Cash Past Year | 203,099,000 |
| Total Cash Prior Year | 138,481,000 |
| Net Cash Position Most Recent Quarter | 203,099,000 |
| Net Cash Position Past Year | 203,099,000 |
| 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 | 207,975,000 |
| Total Stockholder Equity Prior Year | 183,436,000 |
| Total Stockholder Equity Most Recent Quarter | 207,975,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 19,199,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 2.29 |
| Free Cash Flow Past Year | 28,667,000 |
| Free Cash Flow Prior Year | 23,857,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 0.25 |
| RSI | 0.00 |
| 50-Day SMA | 26.04 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 24.50 |
System |
|
| Modified | 4/4/2026 5:30:32 AM EST |