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Oak Valley Bancorp

OVLY

Oak Valley Bancorp is a bank holding company that operates through its wholly-owned subsidiary, Oak Valley Community Bank, providing commercial banking services in California's Central Valley and Eastern Sierra regions.

Market cap
$284.27M+19.0%
Net income$22.4M-8.4%
Free cash flow$24.5M+4.4%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 28, 2026 (in 2 months)

Financials

Q2 2026

Income statement

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Net income$5.1M-14.5%

Balance sheet

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Cash & equivalents$194.8M-2.0%
Total equity$217.0M+16.8%
Total assets$2.0B+4.2%

Cash flow

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Operating cash flow$3.6M-38.0%
CapEx$230.0K-85.5%
Free cash flow$3.4M-20.3%

Valuation & ratios

Valuation

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Market cap$284.27M+19.0%
P/E12.7×+2.9×

Returns & leverage

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Return on equity11.1%-2.6pp

Segments

By product

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Deposit Account$440.0K+3.0%
Debit Card$351.0K-19.5%

Competitors

Profile

Oak Valley Bancorp is a bank holding company that operates through its wholly-owned subsidiary, Oak Valley Community Bank, providing commercial banking services in California's Central Valley and Eastern Sierra regions. The company focuses on delivering personalized financial solutions, including lending and deposit products, to individuals and small to medium-sized businesses. Its core value proposition centers on local management and independent status to compete against larger financial institutions.

Competitive position

A community-focused independent bank with a significant local presence in the Central Valley, positioning itself as a flexible alternative to national money-center banks.

GeographiesCalifornia, United States
Customer segmentsSMEs, Retail, Commercial
Business modelInterest Spread, Fee-based Services
SuppliersFederal Reserve System, Federal Home Loan Bank (FHLB), Technology and Core Banking Software Providers, Independent Real Estate Appraisers
CustomersLocal business owners, Real estate investors, Retail depositors, Agricultural producers
Listed1996
Employees230.0
CEORichard A. McCarty
Websiteovcb.com
FilingsSEC EDGAR

FAQ

What is Oak Valley Bancorp's market cap?
Oak Valley Bancorp (OVLY) has a market capitalization of $284.3M and trades on NASDAQ.
Who are Oak Valley Bancorp's competitors?
Oak Valley Bancorp's key competitors include Wells Fargo Bank, Bank of America, JP Morgan Chase Bank, and others. These companies compete in similar markets and product categories.
What subsidiaries does Oak Valley Bancorp have?
Oak Valley Bancorp's subsidiaries include Oak Valley Community Bank, Eastern Sierra Community Bank.
Where is Oak Valley Bancorp headquartered?
Oak Valley Bancorp is headquartered in United States of America and employs approximately 230 people. It has been publicly traded since 1996.