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Oak Valley Bancorp OVLY Q4 2025 Annual earnings

Reported January 23, 2026 · After market close

Revenue$21.3M
EPS$0.76

Next report

Oct 28, 2026 (in 2 months)

Financials

Q4 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$232.2M+37.6%
Total debt$7.6M+8.6%
Total equity$208.0M+13.4%
Total assets$2.0B+6.4%

Cash flow

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Operating cash flow$8.0M+87.5%
CapEx$555.0K-36.1%
Free cash flow$7.4M+119%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$252.15M+3.1%
Enterprise value$27.59M-66.7%
P/E10.5×+0.7×
P/S3.1×-0.1×

Profitability

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Net margin29.3%-3.3pp
FCF margin30%-1.1pp

Returns & leverage

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Return on equity12.2%-2.1pp
Debt / equity0×0.0×

Segments

By product

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Deposit Account$455.0K+6.6%
Debit Card$426.0K-3.4%

FAQ

When did Oak Valley Bancorp report Q4 2025 earnings?
Oak Valley Bancorp (OVLY) reported Q4 2025 earnings on January 23, 2026 after market close.
What were Oak Valley Bancorp's Q4 2025 revenue and EPS?
Oak Valley Bancorp reported revenue of $21.3M and eps of $0.76 for Q4 2025.
How did Oak Valley Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 10.4% from $19.3M a year earlier and eps grew 4.1% from $0.73.
Where can I find Oak Valley Bancorp's Q4 2025 SEC filings?
You can read the 10-K periodic report (0001437749-26-009757) directly on SEC EDGAR. The filing index links above go to sec.gov.