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  2. SECTOR : BANKING & FINANCE
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  4. OAK VALLEY BANCORP
Oak Valley Bancorp
XNAS: OVLY
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Oak Valley Bancorp quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Oak Valley Bancorp quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue Oak Valley Bancorp Jun-2026 Quarterly Revenue is $21 Million which is growth of 3.8% YoY.

  • NEGATIVE

    Quarterly Net Profit Oak Valley Bancorp Jun-2026 Quarterly Net Profit is $5 Million which is growth of -8.5% YoY.

Oak Valley Bancorp, Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
20.620.821.321.219.919.419.319.519.118.819.720.521.1
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
-----------6.56.3
Operating Profit
-----------
⌄
-------------
Profit Before Tax
6.46.88.28.57.26.87.79.87.47.27.89.611
Tax
1.31.51.81.81.61.51.72.51.61.51.92.32.6
⌄
5.15.36.36.75.65.367.35.95.75.97.48.4
Diluted NI Avail to Com Stockholders Ann.
5.15.36.36.75.65.367.35.95.75.97.48.4
Basic EPS
0.60.60.80.80.70.60.70.90.70.70.70.91
Diluted EPS After ExtraOrdinary
0.60.60.80.80.70.60.70.90.70.70.70.91
Number Of Shares End
8.38.38.38.38.28.28.28.28.28.28.28.28.2
Net Income Continuing Discontinued Operations
5.15.36.36.75.65.367.35.95.75.97.48.4
Normalized Income
5.15.36.36.75.65.367.35.95.75.97.48.4
Interest Income
22.522.222.922.521.421.121.521.220.32020.220.420.1
Interest
3.53.43.43.33.33.33.73.532.82.31.40.7
Net Interest Income
18.918.819.519.218.217.817.917.717.317.217.918.919.4
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
0.30.30.30.30.30.30.30.30.30.30.30.30.3
Profit From Continuing Operations
5.15.36.36.75.65.367.35.95.75.97.48.4
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
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Oak Valley Bancorp competitor comparison and performance snapshot within industry

Oak Valley Bancorp annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • POSITIVE

    Annual Revenue Oak Valley Bancorp Dec-2025 Annual Revenue is $82 Million which is growth of 6.7% YoY.

  • NEGATIVE

    Annual Net Profit Oak Valley Bancorp Dec-2025 Annual Net Profit is $24 Million which is growth of -4.1% YoY.

Oak Valley Bancorp, Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
7.5%
10.4%
 81.776.682.465.754.349.846.143.340.235.929.5
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 ----1.1-1-1.2-1.6-1.6-1.1-0.8-0.6
Operating Profit Ann.
-
-
 ---66.855.250.947.744.941.236.730.1
⌄
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
1.1%
11.6%
29.930.732.240.329.721.717.716.715.415.211.17
Tax Ann.
-0.5%
10.3%
6.56.77.29.56.85.34.14.23.86.23.52.1
⌄
1.4%
11.8%
23.523.92530.922.916.313.712.511.59.17.74.9
Diluted NI Avail to Com Stockholders Ann.
1.4%
11.8%
23.523.92530.922.916.313.712.511.59.17.74.9
EPS Ann.
1.2%
11.3%
 2.933.82.821.71.51.41.110.6
Diluted EPS Ann.
1.2%
11.3%
 2.933.82.821.71.51.41.110.6
Number Of Shares End
0.4%
0.5%
 8.38.28.28.28.28.18.18.18.18.18
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
1.4%
11.8%
23.523.92530.922.916.313.712.511.59.17.74.9
Normalized Income Ann.
1.4%
11.8%
23.523.92530.922.916.313.712.511.49.17.74.9
Interest Income Ann.
12.8%
13.8%
90.187.982.980.761.249.846.142.640.235.232.326
Interest Ann.
129.5%
61.8%
13.713.312.94.91.111.21.61.61.10.80.6
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
-2.9%
-1.7%
1.31.11.11.11.21.31.21.11.21.11.31.2
Profit From Continuing Operations Ann.
1.4%
11.8%
23.523.92530.922.916.313.712.511.59.17.74.9
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
6.7%
2Y CAGR
-0.4%
3Y CAGR
7.5%
5Y CAGR
10.4%
7Y CAGR
9.5%
10Y CAGR
10.7%
Total Revenue Annual growth is lower than historical averages.
Net Profit Ann.
1Y CHG
-4.4%
2Y CAGR
-12.1%
3Y CAGR
1.4%
5Y CAGR
11.8%
7Y CAGR
11%
10Y CAGR
17.2%
Net Profit Annual is falling faster than historical averages.

Oak Valley Bancorp balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund Oak Valley Bancorp Dec-2025 Total Shareholders Fund is $208 Million which is growth of 13.4% YoY.

  • POSITIVE

    Total Assets Oak Valley Bancorp Dec-2025 Total Assets is $2,023 Million which is growth of 6.4% YoY.

Oak Valley Bancorp, Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
0.9%
6%
2,023.11,900.61,842.41,968.41,964.51,511.51,147.81,094.91,034.91,002.1897
⌄
-0.5%
5.6%
1,815.11,717.21,676.31,841.71,821.91,381.81,035.2995.9944.1919.7818.8
⌄
18%
9.9%
208183.4166.1126.6142.6129.7112.69990.882.578.3
Total Capitalization Ann.
-
-
-----------
Tangible Assets Ann.
18.5%
10.2%
204.7180.1162.6123.1139126108.795.186.778.376.6
Working Capital Ann.
-
-
---
Invested Capital Ann.
-
-
-----------
Tangible Book Value Ann.
18.5%
10.2%
204.7180.1162.6123.1139126108.795.186.778.376.6
Borrowings Ann.
-
-
-----------
Net Debt Ann.
-
-
-----------
Share Issued Ann.
0.4%
0.5%
8.48.48.38.38.28.28.28.28.18.18.1
Number Of Shares End
0.4%
0.5%
8.38.28.28.28.28.18.18.18.18.18
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
6.4%
2Y CAGR
4.8%
3Y CAGR
0.9%
5Y CAGR
6%
7Y CAGR
9.2%
10Y CAGR
8.5%
Total Assets Annual growth is stable compared to historical averages.
Total ShareHolders Funds Ann.
1Y CHG
13.4%
2Y CAGR
11.9%
3Y CAGR
18%
5Y CAGR
9.9%
7Y CAGR
11.2%
10Y CAGR
10.3%
Total ShareHolders Funds Annual growth is stable compared to historical averages.

Oak Valley Bancorp ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share Oak Valley Bancorp Book Value Per Share is $26 which is growth of 16.4% YoY.

  • NEUTRAL

    ROE Oak Valley Bancorp ROE is 0% which is growth of 0% YoY.

Oak Valley Bancorp, Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-1.33%1.62%1.16%0.94%1.03%1.11%1.08%0.89%0.81%0.60%
ROE Ann. %
-
-
-14.28%21.08%17.01%12.00%11.30%11.80%12.16%10.50%9.54%6.40%
ROIC %
-
-
-----------
OPM Ann. %
-
-
---101.70%101.79%102.32%103.40%103.71%102.65%102.13%102.08%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-0000000000
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-----------
*All financials are in USD Million and price data in USD
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Oak Valley Bancorp cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • POSITIVE

    Cash From Operating Activity Oak Valley Bancorp Dec-2025 Cash From Operating Activity is $29 Million which is growth of 11.8% YoY.

  • POSITIVE

    Net Cash Flow Oak Valley Bancorp Dec-2025 Net Cash Flow is $63 Million which is growth of 232.6% YoY.

Oak Valley Bancorp, Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
7.2%
8.4%
28.725.633.123.311.319.217.2139.49.94.3
⌄
-
-
-57.2-114.7-79.5-376.7103.7-285.7-26.9-81.6-73.9-107.2-30.3
⌄
169.5%
-23.3%
9241.3-166.64.7436.7345.531.145.522.997.572.3
Cash Plus Cash Eqv. End Of Year Ann.
-18.5%
0.5%
232.2168.8216.6429.6778.3226.7147.6126.1149.2190.8190.6
Net Increase In Cash Plus Cash Eqv.s Ann.
-
-4.3%
63.4-47.8-213.1-348.6551.679.121.5-23-41.60.246.3
Cash Plus Cash Eqv. Begin Of Year Ann.
-39.9%
2.7%
168.8216.6429.6778.3226.7147.6126.1149.2190.8190.6144.3
Income Tax Paid Supplemental Data Ann.
9.4%
3.5%
5.16.410.53.95.74.33.94.15.92.34.2
Interest Paid Supplemental Data Ann.
129.5%
61.8%
13.312.84.71.111.21.61.61.10.80.6
Capex Ann.
-
-
-4.1-1.8-1.9-1.2-1-1.7-1.4-1.7-2.2-0.7-1.4
Issuance Of Capital Stock Ann.
-
-
-------00.1-
Issuance Of Debt Ann.
-
-
001.9-50-----
Repayment Of Debt Ann.
-
-
-0-0-1.9--50-----
Repurchase Of Capital Stock Ann.
-
-
-----------
Free Cash Flow Ann.
3.6%
7%
24.623.931.222.110.317.515.811.47.29.22.9
*All financials are in USD Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
12.1%
2Y CAGR
-6.9%
3Y CAGR
7.2%
5Y CAGR
8.4%
7Y CAGR
12%
10Y CAGR
20.9%
Cash from Operating Activity Annual growth is stable compared to historical averages.
Cash from Financing Act. Ann.
1Y CHG
122.8%
3Y CAGR
169.5%
5Y CAGR
-23.3%
7Y CAGR
10.6%
10Y CAGR
2.4%
Cash from Financing Annual Activity growth is stable compared to historical averages.
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