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Oak Valley

NAQ:OVLY · US6718071052
BanksSmall

360

57
Medium confidence — indicative
Profit price53
Cash yield1
Price/Sales50
EV / Gross Profit93
Price/Book22
Returns on capital76
Profit margins—
Cash Conversion56
Accruals40
Owner Earnings Margin53
Sales growth23
Profit Growth26
Owner Earnings Growth26
Reinvestment17
Price momentum50
Debt load96
Debt serviceability15
Liquidity91
Analyst ratings—
Expectations trend—
Market mood1
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Oak Valley clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQCM
Founded1990
Websiteinvestors.ovcb.com/corporate-profile/default.aspx
ISINUS6718071052
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)

Description

Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank that provides basic banking services to individuals and business enterprises in Oakdale, California, and the surrounding areas. The bank offers a complement of bus…

Analysis

Beloved champion

Oak Valley Bancorp is a beloved champion: its quality is genuine, and the market already prices it as exceptional.

The price is attractive. You pay 12.9× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is tepid and the balance sheet is sturdy. The company scores 10/20 on our value-creation score: creating some value.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
50
—
—
40
Price/Earnings
52
—
—
30
Price/Book
22
—
—
12
Dividend Yield
1
—
—
14
Value (overall)
21
—
—
11

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →