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Financials · OVLY

Oak Valley Bancorp (CA) (OVLY) financials

For the twelve months ended Jun 30, 2026, Oak Valley Bancorp (CA) reported $83.84M of revenue and $23.45M of net income.

Revenue, TTM
$83.84M
Revenue growth, YoY
+7.4%
Net income, TTM
$23.45M
Net income growth, YoY
-3.2%
Net margin
28.0%
Free cash flow, TTM
$24.48M
EPS, diluted, TTM
$2.82
EPS growth, YoY
-3.8%
Cash
$194.80M
P/E
12.44
P/S
3.48
Market cap
$291.8M
Annual revenue$81.73M
FY2016FY2025
Annual net income$23.91M
FY2016FY2025
Annual free cash flow$24.56M
FY2016FY2025

OVLY revenue and earnings growth

OVLY revenueQ2 2026$20.61M

Quarter YoY
+3.8%
QoQ
-0.8%
FY YoY
+6.7%
5Y CAGR
+10.4%
10Y CAGR
+10.7%

OVLY revenue was $20.61M in fiscal Q2 2026 (ended Jun 30, 2026), up 3.8% from a year earlier and down 0.8% from the prior quarter. For the full fiscal 2025 it was $81.73M, up 6.7% from fiscal 2024. Compound annual growth was +10.4% over 5 years and +10.7% over 10 years. It rose in 9 of the last 10 fiscal years.

OVLY net incomeQ2 2026$5.11M

Quarter YoY
-8.5%
QoQ
-3.7%
FY YoY
-4.1%
5Y CAGR
+11.8%
10Y CAGR
+17.2%

OVLY net income was $5.11M in fiscal Q2 2026 (ended Jun 30, 2026), down 8.5% from a year earlier and down 3.7% from the prior quarter. For the full fiscal 2025 it was $23.91M, down 4.1% from fiscal 2024. Compound annual growth was +11.8% over 5 years and +17.2% over 10 years. It rose in 8 of the last 10 fiscal years.

OVLY EPSQ2 2026$0.61

Quarter YoY
-9.0%
QoQ
-4.7%
FY YoY
-4.6%
5Y CAGR
+11.4%
10Y CAGR
+16.8%

OVLY diluted EPS was $0.61 in fiscal Q2 2026 (ended Jun 30, 2026), down 9.0% from a year earlier and down 4.7% from the prior quarter. For the full fiscal 2025 it was $2.88, down 4.6% from fiscal 2024. Compound annual growth was +11.4% over 5 years and +16.8% over 10 years.

OVLY free cash flowQ2 2026$3.38M

Quarter YoY
-20.3%
QoQ
-56.9%
FY YoY
+2.9%
5Y CAGR
+7.0%
10Y CAGR
+23.8%

OVLY free cash flow was $3.38M in fiscal Q2 2026 (ended Jun 30, 2026), down 20.3% from a year earlier and down 56.9% from the prior quarter. For the full fiscal 2025 it was $24.56M, up 2.9% from fiscal 2024. Compound annual growth was +7.0% over 5 years and +23.8% over 10 years. It rose in 7 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$81.73M$76.59M$82.43M$65.65M$54.26M$49.77M$46.08M$43.28M$40.16M$35.94M
Interest expense--$4.86M$1.12M$971.0K$1.15M$1.57M$1.61M$1.06M$764.0K
Pre-tax income$30.65M$32.19M$40.31M$29.69M$21.68M$17.74M$16.69M$15.35M$15.24M$11.14M
Income tax$6.74M$7.24M$9.46M$6.79M$5.34M$4.06M$4.20M$3.81M$6.15M$3.47M
Net income$23.91M$24.95M$30.85M$22.90M$16.34M$13.69M$12.49M$11.54M$9.09M$7.67M
EPS, basic$2.90$3.04$3.76$2.80$2.01$1.68$1.54$1.43$1.13$0.95
EPS, diluted$2.88$3.02$3.75$2.79$2.00$1.68$1.54$1.42$1.13$0.95
Diluted shares8.3M8.3M8.2M8.2M8.2M8.1M8.1M8.1M8.1M8.1M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$232.18M$168.75M$216.57M$429.63M$778.27M$226.66M$147.59M$126.14M$149.17M$190.81M
Goodwill$3.31M$3.31M$3.31M$3.31M$3.31M$3.31M$3.31M-$3.31M$3.31M
Total assets$2.02B$1.90B$1.84B$1.97B$1.96B$1.51B$1.15B$1.09B$1.03B$1.00B
Total liabilities$1.82B$1.72B$1.68B$1.84B$1.82B$1.38B$1.04B$995.85M$944.09M$919.66M
Shareholders' equity$207.97M$183.44M$166.09M$126.63M$142.61M$129.69M$112.57M$99.04M$90.77M$82.45M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$28.67M$25.64M$33.06M$22.81M$11.19M$19.24M$17.21M$14.44M$9.40M$9.91M
Capital expenditures$4.11M$1.78M$1.89M$1.19M$978.0K$1.74M$1.38M$1.65M$2.19M$663.0K
Free cash flow$24.56M$23.86M$31.16M$21.62M$10.21M$17.50M$15.83M$12.79M$7.21M$9.24M
Investing cash flow-$57.20M-$114.70M-$79.50M-$376.18M$103.76M-$285.65M-$26.86M-$82.97M-$73.89M-$107.16M
Financing cash flow$91.97M$41.25M-$166.62M$4.74M$436.66M$345.47M$31.10M$45.50M$22.86M$97.46M
Dividends paid$5.02M$3.75M$2.65M$2.47M$2.39M$2.30M$2.21M$2.12M$2.02M$1.94M
Stock-based compensation$904.0K$845.0K$533.0K$622.0K$581.0K$549.0K$549.0K$431.0K$103.0K$256.0K

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY6.7%-7.1%25.6%21.0%9.0%8.0%6.5%7.8%11.7%21.8%
Net income growth, YoY-4.1%-19.1%34.7%40.2%19.4%9.6%8.3%26.9%18.6%56.2%
EPS growth, YoY-4.6%-19.5%34.4%39.5%19.0%9.1%8.5%25.7%18.9%55.7%
Net margin29.3%32.6%37.4%34.9%30.1%27.5%27.1%26.7%22.6%21.3%
Free cash flow margin30.0%31.1%37.8%32.9%18.8%35.2%34.3%29.6%17.9%25.7%
Return on equity11.5%13.6%18.6%18.1%11.5%10.6%11.1%11.6%10.0%9.3%
Return on assets1.2%1.3%1.7%1.2%0.8%0.9%1.1%1.1%0.9%0.8%

Source: XBRL data Oak Valley Bancorp (CA) files with the SEC, latest filing dated Aug 14, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

OVLY peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
OVLY$83.84M+7.4%$23.45M28.0%$291.8M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

OVLY FAQ

8 questions
  • What is OVLY revenue?
    Oak Valley Bancorp (CA) (OVLY) reported $83.84M of revenue for the twelve months ended Jun 30, 2026. That is up 7.4% from the year before. Revenue for fiscal 2025 was $81.73M.
  • Is OVLY profitable?
    Yes. Oak Valley Bancorp (CA) earned $23.45M in net income for the twelve months ended Jun 30, 2026, a net margin of 28.0%.
  • How much cash and debt does OVLY have?
    Oak Valley Bancorp (CA) reported $194.80M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is OVLY revenue growing?
    Oak Valley Bancorp (CA)'s revenue changed +6.7% in fiscal 2025, to $81.73M. Its compound annual growth rate was +10.4% over 5 years and +10.7% over 10 years.
  • What is OVLY free cash flow?
    Oak Valley Bancorp (CA) generated $24.48M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $26.27M less capital expenditures.
  • What is OVLY earnings per share?
    Diluted earnings per share were $2.82 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did OVLY last report financial results?
    The latest statements here come from Oak Valley Bancorp (CA)'s 10-Q filed on Aug 14, 2026, covering the period ended Jun 30, 2026.
  • Where does this OVLY financial data come from?
    Quantisnow builds these statements from the structured XBRL data Oak Valley Bancorp (CA) files with the SEC. It is provided for information only and is not investment advice.