NASDAQ: OVLY
Oak Valley Bancorp Stock

$34.03+0.39 (+1.16%)
Updated Jun 18, 2026
OVLY Price
$34.03
Fair Value Price
N/A
Market Cap
$286.31M
52 Week Low
$25.41
52 Week High
$35.97
P/E
11.73x
P/B
1.39x
P/S
3.34x
PEG
1.8x
Dividend Yield
1.98%
Revenue
$81.82M
Earnings
$23.93M
Gross Margin
100%
Operating Margin
37.47%
Profit Margin
29.2%
Debt to Equity
8.75
Operating Cash Flow
$29M
Beta
0.5
Next Earnings
Jul 17, 2026
Ex-Dividend
N/A
Next Dividend
N/A

OVLY Overview

Oak Valley Bancorp, functioning as the parent entity for Oak Valley Community Bank, offers a comprehensive range of commercial banking services. These services are provided to both individual clients and small to mid-sized businesses, primarily operating within California's Central Valley and Eastern Sierras regions. The institution's financial products encompass various deposit options, including checking, savings, money market, health savings accounts (HSAs), individual retirement accounts (IRAs), and certificates of deposit (CDs). For its lending activities, the bank extends financing for commercial real estate, general business operations, trade activities, and also facilitates Small Business Administration (SBA) loans. On the consumer side, loan offerings include vehicle financing, home mortgages, revolving lines of credit, and diverse personal loan solutions. Beyond these core services, the company provides a suite of conveniences such as online and mobile banking, remote deposit capture, merchant services, night depository facilities, extended operating hours, wire transfers, and note collection, complemented by automated teller machines. As of December 31, 2021, Oak Valley Bancorp's operational footprint included seventeen full-service branch offices across various Californian cities, specifically Oakdale, Sonora, Bridgeport, Bishop, Mammoth Lakes, Modesto, Manteca, Patterson, Turlock, Tracy, Ripon, Stockton, Escalon, and Sacramento. Founded in 1990, the company's corporate headquarters are situated 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
#199 of 283

Top Ranked Stocks in Industry

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OVLY News

Overview

Due Diligence Score

Industry Average (37)
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 ($34.03) is trading above its intrinsic value of $21.59, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
OVLY is poor value based on its earnings relative to its share price (11.73x), compared to the US market average (9.47x)
P/E vs Market Valuation
OVLY is good value based... subscribe to Premium to read more.
P/E vs Industry 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
$34.03
Fair Value
$75.02
Undervalued by
54.64%
OVLY ($34.03) 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
11.73x
Industry
14.14x
Market
9.47x
OVLY is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
OVLY is poor 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
1.39x
Industry
1.27x
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
$20.3M
Net Income
$5.3M
Profit Margin
26.1%
OVLY's Earnings (EBIT) of $30.66M... 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
8.75
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
$8.1M
Investing
-$23.2M
Financing
-$15.4M
OVLY's operating cash flow ($28.76M)... subscribe to Premium to read more.
Debt Coverage Financials

OVLY vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
OVLYC$286.31M+1.16%11.73x1.39x
FDBCC$288.34M+4.15%9.66x1.18x
ISBAC$295.58M+0.83%14.93x1.26x
FRAFC$276.10M+2.05%11.49x1.54x
FCCOC$296.60M+0.99%12.19x1.34x

Oak Valley Bancorp Stock FAQ

What is Oak Valley Bancorp's quote symbol?

(NASDAQ: OVLY) Oak Valley Bancorp trades on the NASDAQ under the ticker symbol OVLY. Oak Valley Bancorp stock quotes can also be displayed as NASDAQ: OVLY.

If you're new to stock investing, here's how to buy Oak Valley Bancorp stock.

What is the 52 week high and low for Oak Valley Bancorp (NASDAQ: OVLY)?

(NASDAQ: OVLY) Oak Valley Bancorp's 52-week high was $35.97, and its 52-week low was $25.41. It is currently -5.39% from its 52-week high and 33.92% from its 52-week low.

How much is Oak Valley Bancorp stock worth today?

(NASDAQ: OVLY) Oak Valley Bancorp currently has 8,413,458 outstanding shares. With Oak Valley Bancorp stock trading at $34.03 per share, the total value of Oak Valley Bancorp stock (market capitalization) is $286.31M.

Oak Valley Bancorp stock was originally listed at a price of $6.82 in Oct 15, 2003. If you had invested in Oak Valley Bancorp stock at $6.82, your return over the last 22 years would have been 398.83%, for an annualized return of 7.58% (not including any dividends or dividend reinvestments).

How much is Oak Valley Bancorp's stock price per share?

(NASDAQ: OVLY) Oak Valley Bancorp stock price per share is $34.03 today (as of Jun 18, 2026).

What is Oak Valley Bancorp's Market Cap?

(NASDAQ: OVLY) Oak Valley Bancorp's market cap is $286.31M, as of Jun 21, 2026.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Oak Valley Bancorp's market cap is calculated by multiplying OVLY's current stock price of $34.03 by OVLY's total outstanding shares of 8,413,458.
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