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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 983 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.38 vs. OVLY: No Debt )
Ranked among companies with meaningful Cash to Debt only.
OVLY' s 10-Year Cash to Debt Range
Min: 0.13  Med: 1.08 Max: No Debt
Current: No Debt
Equity to Asset 0.10
OVLY's Equity to Asset is ranked lower than
52% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OVLY: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
OVLY' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.10 Max: 0.12
Current: 0.1
0.08
0.12
Interest Coverage 16.53
OVLY's Interest Coverage is ranked higher than
93% of the 1269 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. OVLY: 16.53 )
Ranked among companies with meaningful Interest Coverage only.
OVLY' s 10-Year Interest Coverage Range
Min: 0.34  Med: 1.08 Max: 16.53
Current: 16.53
0.34
16.53
F-Score: 5
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 (%) 30.69
OVLY's Operating margin (%) is ranked higher than
51% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.31 vs. OVLY: 30.69 )
Ranked among companies with meaningful Operating margin (%) only.
OVLY' s 10-Year Operating margin (%) Range
Min: 8.38  Med: 32.59 Max: 39.03
Current: 30.69
8.38
39.03
Net-margin (%) 20.98
OVLY's Net-margin (%) is ranked lower than
53% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.02 vs. OVLY: 20.98 )
Ranked among companies with meaningful Net-margin (%) only.
OVLY' s 10-Year Net-margin (%) Range
Min: 7.61  Med: 20.82 Max: 24.51
Current: 20.98
7.61
24.51
ROE (%) 8.37
OVLY's ROE (%) is ranked lower than
51% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. OVLY: 8.37 )
Ranked among companies with meaningful ROE (%) only.
OVLY' s 10-Year ROE (%) Range
Min: 1.95  Med: 10.21 Max: 14.06
Current: 8.37
1.95
14.06
ROA (%) 0.85
OVLY's ROA (%) is ranked lower than
51% of the 1432 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. OVLY: 0.85 )
Ranked among companies with meaningful ROA (%) only.
OVLY' s 10-Year ROA (%) Range
Min: 0.39  Med: 0.92 Max: 1.17
Current: 0.85
0.39
1.17
Revenue Growth (3Y)(%) 0.20
OVLY's Revenue Growth (3Y)(%) is ranked lower than
61% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. OVLY: 0.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
OVLY' s 10-Year Revenue Growth (3Y)(%) Range
Min: -0.8  Med: 8.40 Max: 15.8
Current: 0.2
-0.8
15.8
EBITDA Growth (3Y)(%) 4.70
OVLY's EBITDA Growth (3Y)(%) is ranked lower than
60% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. OVLY: 4.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
OVLY' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -25.1  Med: 6.40 Max: 43.8
Current: 4.7
-25.1
43.8
EPS Growth (3Y)(%) 13.40
OVLY's EPS Growth (3Y)(%) is ranked higher than
59% of the 1065 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.70 vs. OVLY: 13.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
OVLY' s 10-Year EPS Growth (3Y)(%) Range
Min: -33.9  Med: 13.40 Max: 66.3
Current: 13.4
-33.9
66.3
» OVLY's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 12.81
OVLY's P/E(ttm) is ranked higher than
54% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. OVLY: 12.81 )
Ranked among companies with meaningful P/E(ttm) only.
OVLY' s 10-Year P/E(ttm) Range
Min: 7.79  Med: 15.42 Max: 50.2
Current: 12.81
7.79
50.2
Forward P/E 10.45
OVLY's Forward P/E is ranked higher than
63% of the 718 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.82 vs. OVLY: 10.45 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.50
OVLY's PE(NRI) is ranked higher than
54% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. OVLY: 12.50 )
Ranked among companies with meaningful PE(NRI) only.
OVLY' s 10-Year PE(NRI) Range
Min: 7.75  Med: 15.55 Max: 49.2
Current: 12.5
7.75
49.2
P/B 1.04
OVLY's P/B is ranked higher than
54% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. OVLY: 1.04 )
Ranked among companies with meaningful P/B only.
OVLY' s 10-Year P/B Range
Min: 0.58  Med: 1.03 Max: 4.08
Current: 1.04
0.58
4.08
P/S 2.68
OVLY's P/S is ranked higher than
56% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. OVLY: 2.68 )
Ranked among companies with meaningful P/S only.
OVLY' s 10-Year P/S Range
Min: 1.13  Med: 2.46 Max: 7.7
Current: 2.68
1.13
7.7
PFCF 14.98
OVLY's PFCF is ranked lower than
67% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.85 vs. OVLY: 14.98 )
Ranked among companies with meaningful PFCF only.
OVLY' s 10-Year PFCF Range
Min: 3.18  Med: 9.90 Max: 355
Current: 14.98
3.18
355
POCF 11.92
OVLY's POCF is ranked lower than
63% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.17 vs. OVLY: 11.92 )
Ranked among companies with meaningful POCF only.
OVLY' s 10-Year POCF Range
Min: 3.15  Med: 6.84 Max: 75
Current: 11.92
3.15
75
PEG 0.58
OVLY's PEG is ranked higher than
73% of the 612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. OVLY: 0.58 )
Ranked among companies with meaningful PEG only.
OVLY' s 10-Year PEG Range
Min: 0.31  Med: 0.60 Max: 6.38
Current: 0.58
0.31
6.38
Shiller P/E 14.37
OVLY's Shiller P/E is ranked higher than
60% of the 784 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.97 vs. OVLY: 14.37 )
Ranked among companies with meaningful Shiller P/E only.
OVLY' s 10-Year Shiller P/E Range
Min: 7.29  Med: 14.17 Max: 21.58
Current: 14.37
7.29
21.58
Days Sales Outstanding 294.19
OVLY's Days Sales Outstanding is ranked lower than
91% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. OVLY: 294.19 )
Ranked among companies with meaningful Days Sales Outstanding only.
OVLY' s 10-Year Days Sales Outstanding Range
Min: 9.46  Med: 263.13 Max: 340.71
Current: 294.19
9.46
340.71

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.12
OVLY's Dividend Yield is ranked lower than
62% of the 2262 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. OVLY: 2.12 )
Ranked among companies with meaningful Dividend Yield only.
OVLY' s 10-Year Dividend Yield Range
Min: 0.55  Med: 1.65 Max: 2.86
Current: 2.12
0.55
2.86
Dividend Payout 0.21
OVLY's Dividend Payout is ranked higher than
73% of the 1321 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. OVLY: 0.21 )
Ranked among companies with meaningful Dividend Payout only.
OVLY' s 10-Year Dividend Payout Range
Min: 0.34  Med: 0.77 Max: 1.36
Current: 0.21
0.34
1.36
Yield on cost (5-Year) 2.15
OVLY's Yield on cost (5-Year) is ranked lower than
67% of the 2265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. OVLY: 2.15 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
OVLY' s 10-Year Yield on cost (5-Year) Range
Min: 0.55  Med: 1.65 Max: 2.86
Current: 2.15
0.55
2.86
Share Buyback Rate -1.10
OVLY's Share Buyback Rate is ranked higher than
57% of the 1012 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. OVLY: -1.10 )
Ranked among companies with meaningful Share Buyback Rate only.
OVLY' s 10-Year Share Buyback Rate Range
Min: 0  Med: -1.70 Max: -9
Current: -1.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.03
OVLY's Price/Tangible Book is ranked higher than
59% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. OVLY: 1.03 )
Ranked among companies with meaningful Price/Tangible Book only.
OVLY' s 10-Year Price/Tangible Book Range
Min: 0.62  Med: 1.09 Max: 3.89
Current: 1.03
0.62
3.89
Price/Projected FCF 0.63
OVLY's Price/Projected FCF is ranked higher than
54% of the 806 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. OVLY: 0.63 )
Ranked among companies with meaningful Price/Projected FCF only.
OVLY' s 10-Year Price/Projected FCF Range
Min: 0.43  Med: 0.58 Max: 1.54
Current: 0.63
0.43
1.54
Price/Median PS Value 1.07
OVLY's Price/Median PS Value is ranked lower than
53% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. OVLY: 1.07 )
Ranked among companies with meaningful Price/Median PS Value only.
OVLY' s 10-Year Price/Median PS Value Range
Min: 0.48  Med: 1.10 Max: 3.98
Current: 1.07
0.48
3.98
Price/Peter Lynch Fair Value 1.92
OVLY's Price/Peter Lynch Fair Value is ranked lower than
86% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. OVLY: 1.92 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
OVLY' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.34  Med: 0.93 Max: 5.58
Current: 1.92
0.34
5.58
Price/Graham Number 0.76
OVLY's Price/Graham Number is ranked higher than
58% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. OVLY: 0.76 )
Ranked among companies with meaningful Price/Graham Number only.
OVLY' s 10-Year Price/Graham Number Range
Min: 0.41  Med: 0.78 Max: 2.42
Current: 0.76
0.41
2.42
Earnings Yield (Greenblatt) (%) -19.36
OVLY's Earnings Yield (Greenblatt) (%) is ranked lower than
97% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. OVLY: -19.36 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
OVLY' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: -18.91  Med: 5.80 Max: 5495.5
Current: -19.36
-18.91
5495.5
Forward Rate of Return (Yacktman) (%) 14.48
OVLY's Forward Rate of Return (Yacktman) (%) is ranked higher than
50% of the 785 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. OVLY: 14.48 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
OVLY' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -12.8  Med: 14.90 Max: 47
Current: 14.48
-12.8
47

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.
» More Articles for OVLY

Headlines

Articles On GuruFocus.com
Oak Valley Community Bank Announces Promotion Jul 31 2015 
Oak Valley Bancorp to Pay Cash Dividend Jul 08 2015 
Oak Valley Community Bank Announces Executive Management Promotion Jan 05 2015 
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 

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Oak Valley Community Bank Announces Promotion Oct 21 2014

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