Switch to:

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
97% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. OVLY: No Debt )
OVLY' s 10-Year Cash to Debt Range
Min: 0.13   Max: No Debt
Current: No Debt

Equity to Asset 0.10
OVLY's Equity to Asset is ranked higher than
75% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. OVLY: 0.10 )
OVLY' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.12
Current: 0.1

0.08
0.12
Interest Coverage 10.38
OVLY's Interest Coverage is ranked higher than
96% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. OVLY: 10.38 )
OVLY' s 10-Year Interest Coverage Range
Min: 0.34   Max: 10.38
Current: 10.38

0.34
10.38
F-Score: 4
Z-Score: 0.26
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 (%) 37.70
OVLY's Operating margin (%) is ranked higher than
85% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. OVLY: 37.70 )
OVLY' s 10-Year Operating margin (%) Range
Min: 8.38   Max: 39.03
Current: 37.7

8.38
39.03
Net-margin (%) 25.19
OVLY's Net-margin (%) is ranked higher than
82% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. OVLY: 25.19 )
OVLY' s 10-Year Net-margin (%) Range
Min: 7.61   Max: 23.88
Current: 25.19

7.61
23.88
ROE (%) 10.57
OVLY's ROE (%) is ranked higher than
83% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. OVLY: 10.57 )
OVLY' s 10-Year ROE (%) Range
Min: 3.37   Max: 14.06
Current: 10.57

3.37
14.06
ROA (%) 1.06
OVLY's ROA (%) is ranked higher than
84% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. OVLY: 1.06 )
OVLY' s 10-Year ROA (%) Range
Min: 0.39   Max: 1.17
Current: 1.06

0.39
1.17
ROC (Joel Greenblatt) (%) 79.56
OVLY's ROC (Joel Greenblatt) (%) is ranked higher than
76% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. OVLY: 79.56 )
OVLY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 9.32   Max: 157.71
Current: 79.56

9.32
157.71
Revenue Growth (%) -0.80
OVLY's Revenue Growth (%) is ranked higher than
70% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. OVLY: -0.80 )
OVLY' s 10-Year Revenue Growth (%) Range
Min: -0.8   Max: 15.8
Current: -0.8

-0.8
15.8
EBITDA Growth (%) 6.40
OVLY's EBITDA Growth (%) is ranked higher than
73% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. OVLY: 6.40 )
OVLY' s 10-Year EBITDA Growth (%) Range
Min: -25.1   Max: 43.8
Current: 6.4

-25.1
43.8
EPS Growth (%) 14.70
OVLY's EPS Growth (%) is ranked higher than
81% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. OVLY: 14.70 )
OVLY' s 10-Year EPS Growth (%) Range
Min: -33.9   Max: 66.3
Current: 14.7

-33.9
66.3
» OVLY's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with OVLY

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 11.10
OVLY's P/E(ttm) is ranked higher than
88% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. OVLY: 11.10 )
OVLY' s 10-Year P/E(ttm) Range
Min: 7.79   Max: 50.2
Current: 11.1

7.79
50.2
P/B 1.10
OVLY's P/B is ranked higher than
77% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. OVLY: 1.10 )
OVLY' s 10-Year P/B Range
Min: 0.58   Max: 4.08
Current: 1.1

0.58
4.08
P/S 2.80
OVLY's P/S is ranked higher than
79% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. OVLY: 2.80 )
OVLY' s 10-Year P/S Range
Min: 1.13   Max: 7.7
Current: 2.8

1.13
7.7
PFCF 14.20
OVLY's PFCF is ranked higher than
81% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. OVLY: 14.20 )
OVLY' s 10-Year PFCF Range
Min: 3.18   Max: 300
Current: 14.2

3.18
300
EV-to-EBIT -2.17
OVLY's EV-to-EBIT is ranked lower than
54% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. OVLY: -2.17 )
OVLY' s 10-Year EV-to-EBIT Range
Min: -8.2   Max: 79.3
Current: -2.17

-8.2
79.3
PEG 0.42
OVLY's PEG is ranked higher than
96% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. OVLY: 0.42 )
OVLY' s 10-Year PEG Range
Min: 0.31   Max: 6.38
Current: 0.42

0.31
6.38
Shiller P/E 17.10
OVLY's Shiller P/E is ranked higher than
87% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. OVLY: 17.10 )
OVLY' s 10-Year Shiller P/E Range
Min: 7.29   Max: 21.58
Current: 17.1

7.29
21.58

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.60
OVLY's Dividend Yield is ranked lower than
65% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. OVLY: 1.60 )
OVLY' s 10-Year Dividend Yield Range
Min: 0.55   Max: 2.86
Current: 1.6

0.55
2.86
Dividend Payout 0.18
OVLY's Dividend Payout is ranked higher than
88% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. OVLY: 0.18 )
OVLY' s 10-Year Dividend Payout Range
Min: 0.34   Max: 1.36
Current: 0.18

0.34
1.36
Yield on cost (5-Year) 1.70
OVLY's Yield on cost (5-Year) is ranked lower than
66% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. OVLY: 1.70 )
OVLY' s 10-Year Yield on cost (5-Year) Range
Min: 0.55   Max: 2.86
Current: 1.7

0.55
2.86
Share Buyback Rate -0.50
OVLY's Share Buyback Rate is ranked higher than
81% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. OVLY: -0.50 )
OVLY' s 10-Year Share Buyback Rate Range
Min: 0   Max: -9
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.12
OVLY's Price/Tangible Book is ranked higher than
81% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. OVLY: 1.12 )
OVLY' s 10-Year Price/Tangible Book Range
Min: 0.62   Max: 3.89
Current: 1.12

0.62
3.89
Price/DCF (Projected) 0.67
OVLY's Price/DCF (Projected) is ranked higher than
85% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. OVLY: 0.67 )
OVLY' s 10-Year Price/DCF (Projected) Range
Min: 0.36   Max: 5.34
Current: 0.67

0.36
5.34
Price/Median PS Value 1.15
OVLY's Price/Median PS Value is ranked higher than
75% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. OVLY: 1.15 )
OVLY' s 10-Year Price/Median PS Value Range
Min: 0.48   Max: 3.98
Current: 1.15

0.48
3.98
Price/Peter Lynch Fair Value 0.62
OVLY's Price/Peter Lynch Fair Value is ranked higher than
96% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. OVLY: 0.62 )
OVLY' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.34   Max: 5.58
Current: 0.62

0.34
5.58
Price/Graham Number 0.76
OVLY's Price/Graham Number is ranked higher than
86% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. OVLY: 0.76 )
OVLY' s 10-Year Price/Graham Number Range
Min: 0.41   Max: 2.42
Current: 0.76

0.41
2.42
Earnings Yield (Greenblatt) -46.60
OVLY's Earnings Yield (Greenblatt) is ranked lower than
53% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. OVLY: -46.60 )
OVLY' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 5495.5
Current: -46.6

1.3
5495.5
Forward Rate of Return (Yacktman) 26.51
OVLY's Forward Rate of Return (Yacktman) is ranked higher than
83% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. OVLY: 26.51 )
OVLY' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -9.7   Max: 47
Current: 26.51

-9.7
47

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Oak Valley Bancorp was incorporated on April 1, 2008 in California 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.
» More Articles for OVLY

Headlines

Articles On GuruFocus.com
Oak Valley Community Bank Opens Tracy Branch Dec 01 2014 
Oak Valley Community Bank Announces Approval to Open Second Branch in Sonora Nov 17 2014 
Oak Valley Community Bank Announces Promotion Oct 21 2014 
Oak Valley Bancorp (OVLY) CEO Ronald C. Martin buys 8,630 Shares Jan 05 2011 

More From Other Websites
Nasdaq stocks posting largest volume increases Dec 17 2014
Oak Valley Announces New Hires, Teddi Lowry and Brenda Rodrigues Dec 16 2014
Oak Valley Community Bank Announces New Hires Dec 05 2014
Oak Valley Community Bank Announces New Hires Dec 05 2014
Oak Valley Community Bank Opens Tracy Branch Dec 01 2014
OAK VALLEY BANCORP Financials Nov 21 2014
Oak Valley Community Bank Announces Approval To Open Second Branch In Sonora Nov 18 2014
Oak Valley Community Bank Announces Approval to Open Second Branch in Sonora Nov 17 2014
Oak Valley Community Bank Announces Approval to Open Second Branch in Sonora Nov 17 2014
10-Q for Oak Valley Bancorp Nov 15 2014
OAK VALLEY BANCORP Files SEC form 10-Q, Quarterly Report Nov 13 2014
OAK VALLEY BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Regulation FD... Oct 23 2014
Oak Valley Community Bank Announces Promotion of Adam Beckman Oct 23 2014
Oak Valley Bancorp Reports 3rd Quarter Results Oct 22 2014
Oak Valley Bancorp Reports 3rd Quarter Results Oct 22 2014
Oak Valley Community Bank Announces Promotion Oct 21 2014
Oak Valley Community Bank Announces Promotion Oct 21 2014
OAK VALLEY BANCORP Files SEC form 10-Q, Quarterly Report Aug 13 2014
OAK VALLEY BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Regulation FD... Jul 17 2014
Oak Valley Bancorp Reports 2nd Quarter Results Jul 16 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK