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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt No Debt
OVLY's Cash to Debt is ranked higher than
98% of the 1456 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. OVLY: No Debt )
Ranked among companies with meaningful Cash to Debt only.
OVLY' s Cash to Debt Range Over the Past 10 Years
Min: 0.13  Med: 1.17 Max: No Debt
Current: No Debt
Equity to Asset 0.09
OVLY's Equity to Asset is ranked lower than
64% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OVLY: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
OVLY' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.1 Max: 0.12
Current: 0.09
0.08
0.12
Interest Coverage 11.35
OVLY's Interest Coverage is ranked higher than
90% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.71 vs. OVLY: 11.35 )
Ranked among companies with meaningful Interest Coverage only.
OVLY' s Interest Coverage Range Over the Past 10 Years
Min: 0.34  Med: 3.94 Max: 16.53
Current: 11.35
0.34
16.53
F-Score: 4
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 23.22
OVLY's Operating margin (%) is ranked lower than
69% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.90 vs. OVLY: 23.22 )
Ranked among companies with meaningful Operating margin (%) only.
OVLY' s Operating margin (%) Range Over the Past 10 Years
Min: 8.38  Med: 30.24 Max: 36.82
Current: 23.22
8.38
36.82
Net-margin (%) 16.17
OVLY's Net-margin (%) is ranked lower than
70% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.30 vs. OVLY: 16.17 )
Ranked among companies with meaningful Net-margin (%) only.
OVLY' s Net-margin (%) Range Over the Past 10 Years
Min: 7.61  Med: 19.41 Max: 24.51
Current: 16.17
7.61
24.51
ROE (%) 6.73
OVLY's ROE (%) is ranked lower than
62% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 vs. OVLY: 6.73 )
Ranked among companies with meaningful ROE (%) only.
OVLY' s ROE (%) Range Over the Past 10 Years
Min: 1.95  Med: 7.28 Max: 11.7
Current: 6.73
1.95
11.7
ROA (%) 0.62
OVLY's ROA (%) is ranked lower than
67% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. OVLY: 0.62 )
Ranked among companies with meaningful ROA (%) only.
OVLY' s ROA (%) Range Over the Past 10 Years
Min: 0.39  Med: 0.87 Max: 1.01
Current: 0.62
0.39
1.01
Revenue Growth (3Y)(%) 0.60
OVLY's Revenue Growth (3Y)(%) is ranked lower than
63% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. OVLY: 0.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
OVLY' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -0.8  Med: 8.2 Max: 16
Current: 0.6
-0.8
16
EBITDA Growth (3Y)(%) -6.80
OVLY's EBITDA Growth (3Y)(%) is ranked lower than
81% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. OVLY: -6.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
OVLY' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -25.2  Med: 5.85 Max: 43.8
Current: -6.8
-25.2
43.8
EPS Growth (3Y)(%) -4.00
OVLY's EPS Growth (3Y)(%) is ranked lower than
77% of the 1206 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. OVLY: -4.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
OVLY' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -33.9  Med: 11.45 Max: 66.3
Current: -4
-33.9
66.3
» OVLY's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:EMYB, OTCPK:FOFN, OTCPK:OPBK, NAS:WBB, NAS:MPB, NAS:HWBK, NAS:CBAN, OTCPK:EFSI, OTCPK:FDBC, OTCPK:CABC, NAS:FSBW, NAS:SVBI, NAS:FSFG, OTCPK:TYCB, OTCPK:CPKF, NAS:SAL, NAS:SBCP, NAS:BKSC, OTCPK:FNRN, OTCBB:JUVF » details
Oak Valley Bancorp is a holding company. The Company, along with its subsidiary, is an insured bank under the Federal Deposit Insurance Act. It provides personal banking and commercial banking services.

Oak Valley Bancorp was incorporated in California on April 1, 2008 for the purpose of becoming Oak Valley Community Bank's parent bank holding Company. The Company, along with its subsidiary, the Bank, is an insured bank under the Federal Deposit Insurance Act and is a member of the Federal Reserve. Since its formation, the Bank has provided basic banking services to individuals and business enterprises in Oakdale, California and the surrounding areas. The Bank provides commercial banking services designed for both individuals and small to medium-sized businesses in the two main areas of service of the Bank: the Central Valley and the Eastern Sierras. The Bank also provides other services for both individuals and businesses including online banking, remote deposit capture, mobile banking, merchant services, night depository, extended hours, wire transfer of funds, note collection, and automated teller machines in a national network. The Bank operates in two business segments: Retail Banking and Commercial Banking. The Retail Banking segment provides checking and savings accounts, including NOW accounts, money market accounts, overdraft protection, health savings accounts, certificates of deposit and Individual Retirement Accounts. The Commercial Banking segment provides deposit and lending services to business customers. More specifically, the Bank provides commercial loans for virtually any business, professional, or agricultural need. These include short-term working capital, operating lines of credit, equipment purchases, leasehold improvements, construction, commercial real estate acquisitions or refinancing. It provides commercial real estate loans to finance the acquisition of new or the refinancing of existing commercial properties, such as shopping centers, office buildings, industrial buildings, warehouses, hotels, automotive industry facilities and multiple dwellings. These commercial loans include business lines of credit and commercial term loans to finance operations, to provide working capital or for specific purposes, such as to finance the purchase of assets, equipment or inventory. It also provides other banking services tailored to the small business market. It also provides ATMs located at branch offices as well as seven other ATMs at various off site locations, and customer access to an ATM network. Its competitors include savings institutions, credit unions, and numerous non-banking institutions, such as finance companies, leasing companies, insurance companies, brokerage firms, and investment banking firms.

Ratios

vs
industry
vs
history
P/E(ttm) 15.20
OVLY's P/E(ttm) is ranked lower than
60% of the 1491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.32 vs. OVLY: 15.20 )
Ranked among companies with meaningful P/E(ttm) only.
OVLY' s P/E(ttm) Range Over the Past 10 Years
Min: 7.75  Med: 14.73 Max: 54.67
Current: 15.2
7.75
54.67
PE(NRI) 15.20
OVLY's PE(NRI) is ranked lower than
60% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.36 vs. OVLY: 15.20 )
Ranked among companies with meaningful PE(NRI) only.
OVLY' s PE(NRI) Range Over the Past 10 Years
Min: 7.75  Med: 14.76 Max: 54.67
Current: 15.2
7.75
54.67
Price/Owner Earnings (ttm) 13.28
OVLY's Price/Owner Earnings (ttm) is ranked lower than
53% of the 838 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.83 vs. OVLY: 13.28 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
OVLY' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.58  Med: 11.87 Max: 250
Current: 13.28
6.58
250
P/B 0.99
OVLY's P/B is ranked higher than
55% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. OVLY: 0.99 )
Ranked among companies with meaningful P/B only.
OVLY' s P/B Range Over the Past 10 Years
Min: 0.58  Med: 1.01 Max: 3.83
Current: 0.99
0.58
3.83
P/S 2.47
OVLY's P/S is ranked higher than
61% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. OVLY: 2.47 )
Ranked among companies with meaningful P/S only.
OVLY' s P/S Range Over the Past 10 Years
Min: 1.13  Med: 2.39 Max: 7.2
Current: 2.47
1.13
7.2
POCF 10.58
OVLY's POCF is ranked lower than
60% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.12 vs. OVLY: 10.58 )
Ranked among companies with meaningful POCF only.
OVLY' s POCF Range Over the Past 10 Years
Min: 3.14  Med: 7.44 Max: 71.43
Current: 10.58
3.14
71.43
PEG 15.20
OVLY's PEG is ranked lower than
97% of the 736 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. OVLY: 15.20 )
Ranked among companies with meaningful PEG only.
OVLY' s PEG Range Over the Past 10 Years
Min: 0.33  Med: 0.79 Max: 62.38
Current: 15.2
0.33
62.38
Shiller P/E 16.56
OVLY's Shiller P/E is ranked higher than
55% of the 486 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.59 vs. OVLY: 16.56 )
Ranked among companies with meaningful Shiller P/E only.
OVLY' s Shiller P/E Range Over the Past 10 Years
Min: 13.53  Med: 16.29 Max: 20
Current: 16.56
13.53
20

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.39
OVLY's Dividend Yield is ranked lower than
61% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. OVLY: 2.39 )
Ranked among companies with meaningful Dividend Yield only.
OVLY' s Dividend Yield Range Over the Past 10 Years
Min: 0.55  Med: 1.71 Max: 2.86
Current: 2.39
0.55
2.86
Dividend Payout 0.35
OVLY's Dividend Payout is ranked lower than
53% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. OVLY: 0.35 )
Ranked among companies with meaningful Dividend Payout only.
OVLY' s Dividend Payout Range Over the Past 10 Years
Min: 0.34  Med: 0.68 Max: 1.36
Current: 0.35
0.34
1.36
Forward Dividend Yield 2.39
OVLY's Forward Dividend Yield is ranked lower than
65% of the 2090 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.14 vs. OVLY: 2.39 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.40
OVLY's Yield on cost (5-Year) is ranked lower than
66% of the 2524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.48 vs. OVLY: 2.40 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
OVLY' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.55  Med: 1.71 Max: 2.86
Current: 2.4
0.55
2.86
3-Year Average Share Buyback Ratio -0.70
OVLY's 3-Year Average Share Buyback Ratio is ranked higher than
61% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. OVLY: -0.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
OVLY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -9  Med: -1.45 Max: -0.3
Current: -0.7
-9
-0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.99
OVLY's Price/Tangible Book is ranked higher than
59% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. OVLY: 0.99 )
Ranked among companies with meaningful Price/Tangible Book only.
OVLY' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.62  Med: 1.07 Max: 3.71
Current: 0.99
0.62
3.71
Price/Projected FCF 0.79
OVLY's Price/Projected FCF is ranked lower than
64% of the 847 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. OVLY: 0.79 )
Ranked among companies with meaningful Price/Projected FCF only.
OVLY' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.43  Med: 0.61 Max: 106.13
Current: 0.79
0.43
106.13
Price/Median PS Value 1.04
OVLY's Price/Median PS Value is ranked lower than
51% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. OVLY: 1.04 )
Ranked among companies with meaningful Price/Median PS Value only.
OVLY' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.49  Med: 1.09 Max: 3.04
Current: 1.04
0.49
3.04
Price/Graham Number 0.81
OVLY's Price/Graham Number is ranked higher than
54% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. OVLY: 0.81 )
Ranked among companies with meaningful Price/Graham Number only.
OVLY' s Price/Graham Number Range Over the Past 10 Years
Min: 0.52  Med: 0.8 Max: 2.28
Current: 0.81
0.52
2.28
Earnings Yield (Greenblatt) (%) -9.30
OVLY's Earnings Yield (Greenblatt) (%) is ranked lower than
88% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. OVLY: -9.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
OVLY' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: -9.3  Med: 6.3 Max: 5495.5
Current: -9.3
-9.3
5495.5
Forward Rate of Return (Yacktman) (%) 3.00
OVLY's Forward Rate of Return (Yacktman) (%) is ranked lower than
72% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.00 vs. OVLY: 3.00 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
OVLY' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -11.3  Med: 11.8 Max: 42
Current: 3
-11.3
42

More Statistics

Revenue (TTM) (Mil) $32.67
EPS (TTM) $ 0.66
Beta-0.30
Short Percentage of Float0.04%
52-Week Range $9.22 - 11.35
Shares Outstanding (Mil)8.09
» More Articles for NAS:OVLY

Headlines

Articles On GuruFocus.com
Oak Valley Bancorp (OVLY) CEO Ronald C. Martin buys 8,630 Shares Jan 05 2011 

More From Other Websites
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Oak Valley Bancorp Reports 4th Quarter Results Jan 29 2016
Oak Valley Bancorp Reports 4th Quarter Results Jan 29 2016
Oak Valley Community Bank Announces Agricultural Loan Officer Hiring, Jim Nemmers Jan 27 2016
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Oak Valley Community Bank Announces Promotions of Rick McCarty and Jeff Gall Jan 21 2016
OAK VALLEY BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 20 2016
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Oak Valley Bancorp to Pay Cash Dividend Jan 20 2016
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Oak Valley Community Bank Announces Commercial Credit Officer Hiring, Edward Vassallo Dec 30 2015
Oak Valley Community Bank Announces Commercial Credit Officer Hiring Dec 28 2015
Oak Valley Bancorp Completes Acquisition of Mother Lode Bank Dec 23 2015
Oak Valley Community Bank Opens Downtown Sonora Branch Dec 17 2015
Oak Valley Bancorp posts 3Q profit Oct 21 2015
Oak Valley Bancorp Reports 3rd Quarter Results Oct 21 2015
Oak Valley Bancorp posts 2Q profit Jul 22 2015
Oak Valley Bancorp posts 1Q profit Apr 23 2015

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