NASDAQ: OVLYOak Valley Bancorp Stock
$33.09+0.03 (+0.09%)
Updated May 5, 2026
OVLY Price
$33.09
Fair Value Price
$75.02
Market Cap
$278.40M
52 Week Low
$24.50
52 Week High
$35.47
P/E
11.41x
P/B
1.34x
P/S
3.12x
PEG
1.36x
Dividend Yield
2.04%
Revenue
$80.92M
Earnings
$23.91M
Gross Margin
100%
Operating Margin
37.88%
Profit Margin
29.5%
Debt to Equity
8.73
Operating Cash Flow
$29M
Beta
0.51
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A
OVLY Overview
Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank that provides a range of commercial banking services to individuals and small to medium-sized businesses in the Central Valley and the Eastern Sierras. The company's deposits products include checking and savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. It also offers commercial real estate loans, commercial business lending and trade finance, and small business administration lending, as well as consumer loans consisting of automobile loans, home mortgage loans, revolving lines of credit, and other personal loans. In addition, the company provides online banking, remote deposit capture, mobile banking, merchant, night depository, extended hours, wire transfer of funds, and note collection services, as well as automated teller machines. As of December 31, 2021, it operated through seventeen full-service branch offices in Oakdale, Sonora, Bridgeport, Bishop, Mammoth Lakes, Modesto, Manteca, Patterson, Turlock, Tracy, Ripon, Stockton, Escalon, California, and Sacramento. The company was incorporated in 1990 and is headquartered in Oakdale, California.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine OVLY's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
B
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
D
OVLY
Ranked#135 of 281
Ranked#135 of 281
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $57.49 | B | |
| $18.13 | B | |
| $23.99 | B |
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OVLY News
Overview
Due Diligence Score
–
Industry Average (39)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how OVLY scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
OVLY ($33.09) is undervalued by 55.89% relative to our estimate of its Fair Value price of $75.02 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
OVLY ($33.09) is significantly undervalued by 55.89% relative to our estimate of its Fair Value price of $75.02 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
OVLY ($33.09) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more OVLY due diligence checks available for Premium users.
Valuation
OVLY fair value
Fair Value of OVLY stock based on Discounted Cash Flow (DCF)
Price
$33.09
Fair Value
$75.02
Undervalued by
55.89%
OVLY ($33.09) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
OVLY ($33.09) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
OVLY ($33.09) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
OVLY price to earnings (PE)
For valuing profitable companies with steady earnings
Company
11.41x
Industry
13.98x
Market
16.69x
OVLY is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
OVLY is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
OVLY price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.34x
Industry
1.24x
OVLY is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
OVLY price to earnings growth (PEG)
For valuing profitable companies with growth potential
OVLY is poor value relative... subscribe to Premium to read more.
PEG Value Valuation
OVLY's financial health
Profit margin
Revenue
$20.4M
Net Income
$6.3M
Profit Margin
31%
OVLY's Earnings (EBIT) of $30.65M... subscribe to Premium to read more.
Interest Coverage Financials
OVLY's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$2.0B
Liabilities
$1.8B
Debt to equity
8.73
OVLY's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
OVLY's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$8.0M
Investing
-$41.0M
Financing
$18.1M
OVLY's operating cash flow ($28.67M)... subscribe to Premium to read more.
Debt Coverage Financials
OVLY vs Bank Stocks
Oak Valley Bancorp Stock FAQ
Company
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