OVLYNasdaqState Commercial BanksFiscal year ends December 31
Oak Valley Bancorp
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 14, 2026
$33.66−0.29 (-0.85%)
Close on Oct 19, 2026
- Market cap
- $280.49M
- P/E (TTM)
- 11.9
- Dividend yield
- 1.78%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
29.3%+1.8 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +6.7% | +7.6% | +10.4% | +10.7% | |
| Net income | -4.1% | +1.5% | +11.8% | +17.2% | |
| EPS, diluted | -4.6% | +1.1% | +11.4% | +16.8% | |
| Free cash flow | +2.9% | +4.3% | +7.0% | +23.8% | |
| Dividend per share | +33.3% | +26.0% | +33.8% | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 9.5% | 11.3% | 12.2% | |
| Return on assets | 0.8% | 1.0% | 1.2% | |
| Capex to revenue | 1.8% | 3.5% | 5.0% | |
| Diluted shares | 8M | 8M | 8M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Oak Valley Bancorp generated $121.35M from operations and spent $26.22M on capital expenditure, dividends and share buybacks. 38% of that went back into the business.
Generated
$121.35M
Used
$26.22M
Capital expenditure$9.95M38%Dividends$16.28M62%Share buybacks$00%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin29.3%
×Asset turnover0.04×
×Equity multiplier10.02×
=Return on equity, FY202512.2%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 29.3% | 0.04× | 10.02× | 12.2% |
| FY2024 | 32.6% | 0.04× | 10.71× | 14.3% |
| FY2023 | 37.4% | 0.04× | 13.02× | 21.1% |
| FY2022 | 34.9% | 0.03× | 14.61× | 17.0% |
| FY2021 | 30.1% | 0.03× | 12.76× | 12.0% |
| FY2020 | 27.5% | 0.04× | 10.98× | 11.3% |
| FY2019 | 27.1% | 0.04× | 10.60× | 11.8% |
| FY2018 | 26.7% | 0.04× | 11.22× | 12.2% |
| FY2017 | 22.6% | 0.04× | 11.76× | 10.5% |
| FY2016 | 21.3% | 0.04× | 11.82× | 9.5% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$23.91M
- Cash generatingOperating cash flow above zero$28.67M
- Return on assets improvedROA up on the prior year1.4% → 1.3%
- Earnings backed by cashOperating cash flow above net income$28.67M vs $23.91M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise8M → 8M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.04 → 0.04