NASDAQ: OVLYOak Valley Bancorp Stock
$24.07+0.88 (+3.79%)
Updated Apr 17, 2025
OVLY Price
$24.07
Fair Value Price
N/A
Market Cap
$201.16M
52 Week Low
$22.70
52 Week High
$32.24
P/E
7.92x
P/B
1.1x
P/S
3.13x
PEG
0.75x
Dividend Yield
2.18%
Revenue
$78.21M
Earnings
$24.95M
Gross Margin
100%
Operating Margin
41.16%
Profit Margin
31.9%
Debt to Equity
9.36
Operating Cash Flow
$26M
Beta
0.67
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A
OVLY Overview
Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank that provides a range of commercial banking services to individuals and small to medium-sized businesses in the Central Valley and the Eastern Sierras. The company's deposits products include checking and savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. It also offers commercial real estate loans, commercial business lending and trade finance, and small business administration lending, as well as consumer loans consisting of automobile loans, home mortgage loans, revolving lines of credit, and other personal loans. In addition, the company provides online banking, remote deposit capture, mobile banking, merchant, night depository, extended hours, wire transfer of funds, and note collection services, as well as automated teller machines. As of December 31, 2021, it operated through seventeen full-service branch offices in Oakdale, Sonora, Bridgeport, Bishop, Mammoth Lakes, Modesto, Manteca, Patterson, Turlock, Tracy, Ripon, Stockton, Escalon, California, and Sacramento. The company was incorporated in 1990 and is headquartered in Oakdale, California.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine OVLY's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
F
OVLY
Ranked#51 of 295
Ranked#51 of 295
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $12.64 | B | |
| $31.51 | B | |
| $23.63 | B |
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OVLY News
Overview
Due Diligence Score
–
Industry Average (32)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how OVLY scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
OVLY ($24.07) is trading below its intrinsic value of $27.70, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
OVLY is good value based on its earnings relative to its share price (7.92x), compared to the US market average (27.98x)
P/E vs Market Valuation
OVLY is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more OVLY due diligence checks available for Premium users.
Valuation
OVLY price to earnings (PE)
For valuing profitable companies with steady earnings
Company
7.92x
Industry
13x
Market
27.98x
OVLY is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
OVLY is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
OVLY price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.1x
Industry
1.08x
OVLY is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
OVLY price to earnings growth (PEG)
For valuing profitable companies with growth potential
OVLY is good value based... subscribe to Premium to read more.
PEG Value Valuation
OVLY's financial health
Profit margin
Revenue
$19.3M
Net Income
$6.0M
Profit Margin
31.2%
OVLY's Earnings (EBIT) of $32.19M... subscribe to Premium to read more.
Interest Coverage Financials
OVLY's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$1.9B
Liabilities
$1.7B
Debt to equity
9.36
OVLY's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
OVLY's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$4.3M
Investing
-$54.8M
Financing
$5.4M
OVLY's operating cash flow ($25.64M)... subscribe to Premium to read more.
Debt Coverage Financials
OVLY vs Bank Stocks
Oak Valley Bancorp Stock FAQ
Company
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