Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
OVLY
HoldPremium GrowerOak Valley Bancorp · Financial Services · United States · $286M · Avg Vol: $868K/d
COMPANY DESCRIPTION
Oak Valley Bancorp operates Oak Valley Community Bank, providing traditional banking services to individuals and businesses in California's Central Valley and Sierra Foothills. It benefits from deep local market knowledge, strong customer relationships, and a focus on community banking, offering personalized service. The company is a community-focused bank operating in specific Californian regions, prioritizing personalized service and local economic development to maintain its niche market presence.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|---|
| Revenue | 54.3M | 65.6M | 82.4M | 76.6M | 81.7M | 10.8% | 83.1M |
| EPS | 2.01 | 2.80 | 3.76 | 3.04 | 2.90 | 9.6% | 2.82 |
| Shares | 8.2M | 8.3M | 8.3M | 8.4M | 8.4M | +1.8% | 8.4M |
| Debt | 1.8B | — | — | — | — | — | — |
| Equity | 142.6M | 126.6M | 166.1M | 183.4M | 208.0M | 9.9% | — |
| Op CF | 11.2M | 22.8M | 33.1M | 25.6M | 28.7M | 26.5% | 26.3M |
| Inv CF | 103.8M | -376.2M | -79.5M | -114.7M | -57.2M | — | — |
| Fin CF | 436.7M | 4.7M | -166.6M | 41.3M | 92.0M | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of OVLY are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| OVLY | Oak Valley Bancorp(you) | $286M | 58 | Hold |
| FXNC | First National Corporation | $278M | 55 | Hold |
| FSBW | FS Bancorp, Inc. | $302M | 61 | Hold |
| FNRN | First Northern Community Bancorp | $281M | 53 | Hold |
| JMSB | John Marshall Bancorp, Inc. | $324M | 61 | Hold |
| MRBK | Meridian Corporation | $230M | 57 | Hold |
| COSO | CoastalSouth Bancshares, Inc. | $329M | 63 | Hold |
| QNBC | QNB Corp. | $281M | 66 | Buy |
| RBKB | Rhinebeck Bancorp, Inc. | $197M | 60 | Hold |
| CFBK | CF Bankshares Inc. | $225M | 64 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%