OVLY

MKT CAP:$286M

Oak Valley Bancorp

Market Cap

$286M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$33.99+$4.29 (+14.44%)

Apr 23, 2026

Company Details

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. Th...

CEO

Christopher Courtney

IPO Date

Oct 15, 2003

Website

www.ovcb.com

Key Metrics TTM

Revenue

$90M

-1.1% YoY

Net Income

$24M

EPS (Diluted)

$2.88

Free Cash Flow

$25M

Revenue / Share

$10.78

Gross Margin

91.2%

Operating Margin

34.2%

Net Margin

26.7%

FCF Margin

27.6%

P/S

3.2x

P/E

12.0x

Earnings Reports

Q1 2026

Mar 30, 2026

$21M-8.6%EPS $0.64

FY 2025

Mar 25, 2026

$82M-8.6%EPS $2.88

Q4 2025

Mar 25, 2026

$21M-7.2%EPS $0.76

Q3 2025

Nov 13, 2025

$24M+6.5%EPS $0.81

Q2 2025

Aug 13, 2025

$23M+5.1%EPS $0.67

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q2 22	$15M	$15M	$5M
Q3 22	$19M	$18M	$9M
Q4 22	$21M	$22M	$12M
Q1 23	$22M	$22M	$12M
Q2 23	$22M	$21M	$11M
Q3 23	$22M	$20M	$10M
Q4 23	$22M	$19M	$8M
Q1 24	$22M	$19M	$7M
Q2 24	$22M	$19M	$7M
Q3 24	$23M	$21M	$10M
Q4 24	$23M	$19M	$8M
Q1 25	$23M	$19M	$7M
Q2 25	$23M	$20M	$7M
Q3 25	$24M	$21M	$9M
Q4 25	$21M	$20M	$8M
Q1 26	$21M	$20M	$7M

Valuation

Quarter	P/S	P/E
Q2 22	2.7x	10.0x
Q3 22	2.5x	8.7x
Q4 22	3.0x	8.6x
Q1 23	2.6x	6.5x
Q2 23	2.5x	6.1x
Q3 23	2.4x	6.0x
Q4 23	2.6x	7.4x
Q1 24	2.3x	7.2x
Q2 24	2.3x	8.0x
Q3 24	2.5x	8.8x
Q4 24	2.7x	9.8x
Q1 25	2.3x	8.4x
Q2 25	2.4x	9.3x
Q3 25	2.5x	9.9x
Q4 25	2.7x	10.4x
Q1 26	2.9x	11.0x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$2M	$2M
Q2 22	$5M	$4M
Q3 22	$8M	$8M
Q4 22	$8M	$8M
Q1 23	$12M	$12M
Q2 23	$11M	$10M
Q3 23	$1M	$1M
Q4 23	-$1M	-$2M
Q1 24	$8M	$8M
Q2 24	$4M	$4M
Q3 24	$9M	$9M
Q4 24	$4M	$3M
Q1 25	$8M	$7M
Q2 25	$6M	$4M
Q3 25	$7M	$10M
Q4 25	$8M	$4M

Capital Expenditures

Quarter	CapEx
Q1 22	$135.0K
Q2 22	$358.0K
Q3 22	$264.0K
Q4 22	$433.0K
Q1 23	$162.0K
Q2 23	$1M
Q3 23	$34.0K
Q4 23	$253.0K
Q1 24	$138.0K
Q2 24	$590.0K
Q3 24	$183.0K
Q4 24	$868.0K
Q1 25	$1M
Q2 25	$2M
Q3 25	$3M
Q4 25	$4M

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q2 22	+8.8%	+11.5%
Q3 22	+25.8%	+13.9%
Q4 22	+59.6%	-0.8%
Q1 23	+75.0%	+4.1%
Q2 23	+46.5%	+13.9%
Q3 23	+17.4%	+24.6%
Q4 23	+5.3%	+68.9%
Q1 24	-0.6%	+46.5%
Q2 24	+1.1%	+35.4%
Q3 24	+4.9%	+7.4%
Q4 24	+4.4%	+7.2%
Q1 25	+5.7%	+11.6%
Q2 25	+5.1%	+9.5%
Q3 25	+6.5%	+21.0%
Q4 25	-7.2%	-13.7%
Q1 26	-8.6%	-12.3%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$158.0K	1.3%
Q2 22	$164.0K	1.1%
Q3 22	$154.0K	0.8%
Q4 22	$146.0K	0.7%
Q1 23	$145.0K	0.7%
Q2 23	$126.0K	0.6%
Q3 23	$131.0K	0.6%
Q4 23	$131.0K	0.6%
Q1 24	$242.0K	1.1%
Q2 24	$204.0K	0.9%
Q3 24	$201.0K	0.9%
Q4 24	$198.0K	0.9%
Q1 25	$201.0K	0.9%
Q2 25	$234.0K	1.0%
Q3 25	$231.0K	0.9%
Q4 25	$238.0K	1.1%

OpEx Breakdown

Quarter	G&A	S&M
Q2 22	$6M	—
Q3 22	$6M	—
Q4 22	$6M	—
Q1 23	$6M	—
Q2 23	$6M	—
Q3 23	$7M	—
Q4 23	$7M	—
Q1 24	$7M	—
Q2 24	$7M	—
Q3 24	$7M	—
Q4 24	$7M	—
Q1 25	$8M	—
Q2 25	$723.0K	$9M
Q3 25	$9M	—
Q4 25	$8M	$9M

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 22	$628M	$349M	$977M
Q2 22	$451M	$502M	$953M
Q3 22	$401M	$510M	$911M
Q4 22	$416M	$527M	$943M
Q1 23	$359M	$533M	$892M
Q2 23	$268M	$516M	$784M
Q3 23	$239M	$485M	$724M
Q4 23	$180M	$518M	$698M
Q1 24	$144M	$505M	$649M
Q2 24	$149M	$493M	$642M
Q3 24	$166M	$517M	$684M
Q4 24	$138M	$75M	$214M
Q1 25	$166M	$76M	$242M
Q2 25	$153M	$0	$153M
Q3 25	$225M	$0	$225M
Q4 25	$203M	$544M	$747M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q2 22	8M	+0.0%	+0.3%
Q3 22	8M	+0.1%	+0.3%
Q4 22	8M	+0.1%	-0.5%
Q1 23	8M	+0.2%	+0.4%
Q2 23	8M	0.0%	+0.3%
Q3 23	8M	+0.1%	+0.3%
Q4 23	8M	+0.1%	+0.3%
Q1 24	8M	+0.1%	+0.2%
Q2 24	8M	+0.0%	+0.3%
Q3 24	8M	+0.2%	+0.4%
Q4 24	8M	+0.2%	+0.5%
Q1 25	8M	0.0%	+0.4%
Q2 25	8M	+0.1%	+0.5%
Q3 25	8M	+0.2%	+0.4%
Q4 25	8M	+0.1%	+0.3%
Q1 26	8M	+0.2%	+0.5%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q2 22	$68.7K	216
Q3 22	$86.5K	216
Q4 22	$100.9K	207
Q1 23	$104.6K	207
Q2 23	$105.1K	207
Q3 23	$105.9K	207
Q4 23	$95.5K	230
Q1 24	$93.5K	230
Q2 24	$95.7K	230
Q3 24	$100.0K	230
Q4 24	$99.3K	231
Q1 25	$98.4K	231
Q2 25	$100.1K	231
Q3 25	$106.0K	231
Q4 25	$86.9K	245
Q1 26	$84.8K	245

Revenue / Employee