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Oak Valley Bancorp OVLY Q3 2025 earnings

Reported October 22, 2025 · Before market open

Revenue$20.4M
EPS$0.81

Next report

Oct 28, 2026 (in 2 months)

Financials

Q3 2025

Income statement

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Revenue$20.4M+6.7%
Net income$6.0M-4.1%
EPS (diluted)$0.72-4.6%

Balance sheet

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Cash & equivalents$247.2M+15.5%
Total equity$198.3M+7.0%
Total assets$2.0B+5.0%

Cash flow

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Operating cash flow$6.6M-25.9%
CapEx$790.0K+332%
Free cash flow$5.8M-33.4%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$236.08M+8.1%
P/E9.8×+1.5×
P/S2.9×+0.1×

Profitability

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Net margin30%-3.8pp
FCF margin25.5%-11.3pp

Returns & leverage

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Return on equity12.6%-3.9pp

Segments

By product

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Deposit Account$457.0K+4.6%
Debit Card$415.0K-4.8%

FAQ

When did Oak Valley Bancorp report Q3 2025 earnings?
Oak Valley Bancorp (OVLY) reported Q3 2025 earnings on October 22, 2025 before market open.
What were Oak Valley Bancorp's Q3 2025 revenue and EPS?
Oak Valley Bancorp reported revenue of $20.4M and eps of $0.81 for Q3 2025.
How did Oak Valley Bancorp's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 4.8% from $19.5M a year earlier and eps declined 9.0% from $0.89.
Where can I find Oak Valley Bancorp's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001437749-25-031607) and the 10-Q periodic report (0001437749-25-034791) directly on SEC EDGAR. The filing index links above go to sec.gov.