NASDAQ : OVLY
Oak Valley Bancorp — Financial statements
Financials · Banks - Regional · United States
Last price 34.48 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 285.53M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 58.35M | 53.41M | 44.77M | 38.89M | 43.77M | |
| Interest Income on Investments | 29.58M | 29.49M | 35.89M | 22.31M | 6.04M | |
| Total Interest Income | 87.92M | 82.89M | 80.67M | 61.20M | 49.81M | |
| Interest Paid on Deposits | 13.31M | 12.86M | 4.86M | 1.12M | 971.00K | |
| Interest Paid on Borrowings | 1.00K | |||||
| Total Interest Expense | 13.31M | 12.86M | 4.86M | 1.12M | 971.00K | |
| Net Interest Income | 77.03M | 74.61M | 70.03M | 75.80M | 60.08M | 48.84M |
| Mortgage Banking Activities | 33.00K | 33.00K | 31.00K | 20.00K | 73.00K | 152.00K |
| Gain (Loss) on Sale of Investments | -4.00K | -4.00K | 114.00K | 156.00K | 154.00K | |
| Other Non-Interest Income | 5.48M | 5.30M | 4.73M | 4.64M | 3.90M | 3.83M |
| Total Non-Interest Income | 7.29M | 7.11M | 6.55M | 6.63M | 5.57M | 5.43M |
| Revenues Before Loan Losses | 84.32M | 81.73M | 76.59M | 82.43M | 65.65M | 54.26M |
| Provision for Loan Losses | 873.00K | 805.00K | -1.62M | 970.00K | -1.35M | -635.00K |
| Revenue | 83.45M | 80.92M | 78.21M | 81.46M | 67.00M | 54.90M |
| Salaries and Employee Benefits | 29.93M | 29.93M | 27.80M | 25.58M | 22.42M | 19.63M |
| Occupancy Expenses | 3.14M | 3.14M | 3.07M | 3.02M | 2.86M | 2.74M |
| Federal Deposit Insurance | 1.12M | 1.12M | 1.09M | 1.02M | 927.00K | 649.00K |
| Selling, General & Administrative | 6.59M | 6.59M | 6.12M | 5.16M | 4.26M | 3.93M |
| Other Non-Interest Expense | 13.09M | 9.49M | 7.94M | 6.39M | 6.84M | 6.27M |
| Total Non-Interest Expense | 53.86M | 50.27M | 46.02M | 41.16M | 37.31M | 33.22M |
| EBT Excluding Unusual Items | 29.58M | 30.65M | 32.19M | 40.31M | 29.69M | 21.68M |
| Pretax Income | 29.58M | 30.65M | 32.19M | 40.31M | 29.69M | 21.68M |
| Income Tax Expense | 6.38M | 6.74M | 7.24M | 9.46M | 6.79M | 5.34M |
| Net Income | 23.21M | 23.91M | 24.95M | 30.85M | 22.90M | 16.34M |
| Net Income to Common | 23.21M | 23.91M | 24.95M | 30.85M | 22.90M | 16.34M |
| Basic Shares Outstanding | 8.27M | 8.24M | 8.22M | 8.19M | 8.17M | 8.15M |
| Diluted Shares Outstanding | 8.33M | 8.29M | 8.26M | 8.23M | 8.20M | 8.18M |
| EPS (Basic) | 2.81 | 2.90 | 3.04 | 3.76 | 2.80 | 2.01 |
| EPS (Diluted) | 2.78 | 2.88 | 3.02 | 3.75 | 2.79 | 2.00 |
| Dividend Per Share | 0.75 | 0.68 | 0.53 | 0.39 | 0.31 | 0.29 |
| Effective Tax Rate | 21.55% | 21.98% | 22.50% | 23.46% | 22.86% | 24.63% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 56.19M | 66.27M | 69.19M | 204.27M | 87.86M | |
| Investment Securities | 528.20M | 513.58M | 526.23M | 540.40M | 269.74M | |
| Mortgage-Backed Securities | 34.79M | 28.50M | 8.66M | 4.61M | 899.00K | |
| Total Investments | 562.99M | 542.08M | 534.89M | 545.01M | 270.64M | |
| Gross Loans | 1.14B | 1.11B | 1.02B | 915.76M | 860.04M | |
| Allowance for Loan Losses | -12.38M | -11.46M | -10.90M | -9.47M | -10.74M | |
| Other Adjustments to Gross Loans | -1.94M | -1.56M | -1.41M | -1.25M | -1.45M | |
| Net Loans | 1.13B | 1.09B | 1.00B | 905.03M | 847.85M | |
| Property, Plant & Equipment | 26.29M | 22.98M | 22.72M | 23.05M | 21.96M | |
| Goodwill | 3.31M | 3.31M | 3.31M | 3.31M | 3.31M | |
| Other Intangible Assets | 77.00K | 160.00K | 245.00K | 334.00K | ||
| Accrued Interest Receivable | 8.88M | 8.56M | 8.39M | 7.93M | 4.06M | |
| Restricted Cash | 175.99M | 102.48M | 147.38M | 225.37M | 690.40M | |
| Other Current Assets | 2.33M | 1.98M | 1.40M | 1.54M | 972.00K | |
| Long-Term Deferred Tax Assets | 13.58M | 15.50M | 13.25M | 17.13M | 2.13M | |
| Other Long-Term Assets | 37.65M | 38.31M | 32.26M | 30.97M | 30.22M | |
| Total Assets | 2.02B | 1.90B | 1.84B | 1.97B | 1.96B | |
| Accrued Expenses | 135.00K | |||||
| Interest Bearing Deposits | 568.11M | 556.34M | 528.58M | 596.50M | 578.25M | |
| Institutional Deposits | 43.90M | 37.59M | 22.12M | 15.47M | 18.56M | |
| Non-Interest Bearing Deposits | 1.18B | 1.10B | 1.10B | 1.20B | 1.21B | |
| Total Deposits | 1.79B | 1.70B | 1.65B | 1.81B | 1.81B | |
| Current Portion of Leases | 1.63M | |||||
| Accrued Interest Payable | 268.00K | 241.00K | 128.00K | 22.00K | 20.00K | |
| Long-Term Leases | 5.99M | 7.01M | 7.16M | 8.01M | 6.82M | |
| Pension & Post-Retirement Benefits | 6.31M | 6.28M | 5.81M | 5.41M | 5.07M | |
| Other Long-Term Liabilities | 7.85M | 7.95M | 12.70M | 13.98M | 2.99M | |
| Total Liabilities | 1.82B | 1.72B | 1.68B | 1.84B | 1.82B | |
| Common Stock | 25.43M | 25.43M | 25.43M | 25.43M | 25.43M | |
| Additional Paid-In Capital | 6.82M | 6.20M | 5.51M | 5.19M | 4.69M | |
| Retained Earnings | 194.39M | 175.50M | 154.30M | 126.73M | 106.30M | |
| Comprehensive Income & Other | -18.67M | -23.70M | -19.16M | -30.73M | 6.19M | |
| Shareholders' Equity | 217.03M | 207.97M | 183.44M | 166.09M | 126.63M | 142.61M |
| Total Liabilities & Equity | 2.02B | 1.90B | 1.84B | 1.97B | 1.96B | |
| Total Debt | 7.85M | 7.62M | 7.01M | 7.16M | 8.01M | 6.82M |
| Net Cash (Debt) | 186.96M | 48.57M | 59.25M | 62.03M | 196.26M | 81.04M |
| Net Cash Per Share | 22.45 | 5.86 | 7.17 | 7.54 | 23.92 | 9.91 |
| Filing Date Shares Outstanding | 8.28M | 8.27M | 8.25M | 8.27M | 8.20M | 8.17M |
| Total Common Shares Outstanding | 8.28M | 8.25M | 8.22M | 8.20M | 8.18M | 8.15M |
| Book Value Per Share | 26.23 | 25.21 | 22.30 | 20.25 | 15.49 | 17.50 |
| Tangible Book Value | 213.72M | 204.66M | 180.05M | 162.62M | 123.07M | 138.97M |
| Tangible Book Value Per Share | 25.83 | 24.81 | 21.89 | 19.83 | 15.05 | 17.05 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 23.91M | 24.95M | 30.85M | 22.90M | 16.34M | |
| Depreciation & Amortization | 1.38M | 1.32M | 1.33M | 1.31M | 1.33M | |
| Gain (Loss) on Sale of Investments | 679.00K | 798.00K | 954.00K | 1.80M | 355.00K | |
| Provision for Credit Losses | 805.00K | -1.62M | 970.00K | -1.35M | -635.00K | |
| Accrued Interest Receivable | -320.00K | -173.00K | -456.00K | -3.87M | 1.63M | |
| Change in Other Net Operating Assets | 788.00K | 1.98M | 454.00K | 2.11M | -5.97M | |
| Other Operating Activities | -1.63M | -1.28M | -1.02M | -910.00K | -903.00K | |
| Operating Cash Flow | 28.67M | 25.64M | 33.06M | 22.81M | 11.19M | |
| Capital Expenditures | -4.11M | -1.78M | -1.89M | -1.19M | -978.00K | |
| Investment in Securities | -16.90M | -19.82M | 24.32M | -319.60M | -44.25M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -37.28M | -87.77M | -100.71M | -55.64M | 153.15M | |
| Other Investing Activities | 1.08M | -5.33M | -1.22M | 257.00K | -4.16M | |
| Investing Cash Flow | -57.20M | -114.70M | -79.50M | -376.18M | 103.76M | |
| Short-Term Debt Issued | 35.00K | 35.00K | 1.85M | |||
| Total Debt Issued | 35.00K | 35.00K | 1.85M | |||
| Short-Term Debt Repaid | -35.00K | -35.00K | -1.85M | |||
| Total Debt Repaid | -35.00K | -35.00K | -1.85M | |||
| Repurchase of Common Stock | -284.00K | -158.00K | -211.00K | -121.00K | -108.00K | |
| Common Dividends Paid | -5.02M | -3.75M | -2.65M | -2.47M | -2.39M | |
| Net Increase (Decrease) in Deposit Accounts | 97.27M | 45.16M | -163.76M | 7.33M | 439.16M | |
| Financing Cash Flow | 91.97M | 41.25M | -166.62M | 4.74M | 436.66M | |
| Net Cash Flow | 63.43M | -47.82M | -213.06M | -348.63M | 551.61M | |
| Free Cash Flow | 24.56M | 23.86M | 31.16M | 21.62M | 10.21M | |
| Free Cash Flow Margin | 30.35% | 30.50% | 38.26% | 32.26% | 18.59% | |
| Free Cash Flow Per Share | 2.96 | 2.89 | 3.79 | 2.63 | 1.25 | |
| Cash Interest Paid | 13.28M | 12.75M | 4.71M | 1.12M | 971.00K | |
| Cash Income Tax Paid | 5.08M | 6.38M | 10.45M | 3.91M | 5.72M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 288.84M | 248.16M | 241.77M | 245.92M | 185.07M | 141.80M |
| Last Close Price | 34.43 | 29.38 | 27.95 | 28.15 | 21.03 | 15.89 |
| PE Ratio | 12.55 | 10.38 | 9.69 | 7.97 | 8.08 | 8.68 |
| PS Ratio | 3.42 | 3.07 | 3.09 | 3.02 | 2.76 | 2.58 |
| PB Ratio | 1.31 | 1.19 | 1.32 | 1.48 | 1.46 | 0.99 |
| P/FCF Ratio | 11.65 | 10.11 | 10.13 | 7.89 | 8.56 | 13.89 |
| P/OCF Ratio | 10.85 | 8.66 | 9.43 | 7.44 | 8.12 | 12.68 |
| Debt / Equity Ratio | 0.04 | 0.04 | 0.04 | 0.04 | 0.06 | 0.05 |
| Debt / FCF Ratio | 0.31 | 0.29 | 0.23 | 0.37 | 0.67 | |
| Net Debt / Equity Ratio | -0.86 | -0.23 | -0.32 | -0.37 | -1.55 | -0.57 |
| Net Debt / FCF Ratio | -1.98 | -2.48 | -1.99 | -9.08 | -7.94 | |
| Return on Equity (ROE) | 12.22% | 14.27% | 21.08% | 17.01% | 12.00% | |
| Return on Assets (ROA) | 1.22% | 1.33% | 1.62% | 1.17% | 0.94% | |
| Earnings Yield | 7.97% | 9.64% | 10.32% | 12.54% | 12.38% | 11.52% |
| FCF Yield | 8.59% | 9.90% | 9.87% | 12.67% | 11.68% | 7.20% |
| Dividend Yield | 2.15% | 2.24% | 1.79% | 1.28% | 1.37% | 1.70% |
| Payout Ratio | 26.98% | 21.00% | 15.02% | 8.58% | 10.80% | 14.61% |
| Buyback Yield / Dilution | -0.50% | -0.40% | -0.34% | -0.32% | -0.32% | -0.49% |
| Total Shareholder Return | 1.68% | 1.84% | 1.45% | 0.97% | 1.05% | 1.20% |