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Oak Valley Bancorp OVLY Net margin

Net margin at other companies

JPMorgan ChaseJPM

31.5%-1.5pp

U.S. BancorpUSB

27%+2.8pp

Bank of AmericaBAC

27.3%+1.8pp

Wells Fargo & CompanyWFC

25.5%+1.0pp

CitigroupC

18.2%+1.7pp

Blue Ridge BanksharesBRBS

13.5%+8.8pp

Other financials

Income statement

Revenue$20.4M+6.7%

Net income$5.3M-11.2%

EPS (diluted)$0.72-4.6%

Balance sheet

Cash & equivalents$201.6M-3.7%

Total debt$7.6M+8.6%

Total equity$206.2M+12.3%

Total assets$2.0B+4.5%

Cash flow

Operating cash flow$8.1M-2.2%

CapEx$212.0K-82.0%

Free cash flow$7.8M+11.1%

Valuation

Market cap$283.91M+24.9%

P/E12.2×+2.9×

P/S3.5×-0.1×

Profitability

FCF margin30%-1.1pp

Returns & leverage

Return on equity11.9%-2.2pp

Debt / equity0×0.0×

Where this comes from

Calculated from Oak Valley Bancorp’s reported figures.

net income/total revenue=29.3%

Based on trailing twelve months.

The official record: Oak Valley Bancorp’s 10-Q, filed May 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Oak Valley Bancorp's net margin?: Oak Valley Bancorp (OVLY) reported net margin of 29.3% in Q4 2025.
How has Oak Valley Bancorp's net margin changed year-over-year?: Oak Valley Bancorp's net margin decreased by 10.2% year-over-year, from 32.6% to 29.3%.
What is the long-term trend for Oak Valley Bancorp's net margin?: Over 2 years (2023 to 2025), Oak Valley Bancorp's net margin has grown at a -11.6% compound annual growth rate (CAGR), from 37.4% to 29.3%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.