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 : 6/10

vs
industry
vs
history
Cash-to-Debt No Debt
OVLY's Cash-to-Debt is ranked higher than
98% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 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: 2.02 Max: No Debt
Current: No Debt
Equity-to-Asset 0.09
OVLY's Equity-to-Asset is ranked lower than
63% of the 1610 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 14.90
OVLY's Interest Coverage is ranked higher than
91% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. OVLY: 14.90 )
Ranked among companies with meaningful Interest Coverage only.
OVLY' s Interest Coverage Range Over the Past 10 Years
Min: 0.34  Med: 6.52 Max: 16.53
Current: 14.9
0.34
16.53
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 : 5/10

vs
industry
vs
history
Operating Margin % 33.30
OVLY's Operating Margin % is ranked higher than
54% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. OVLY: 33.30 )
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: 33.3
8.38
36.82
Net Margin % 22.66
OVLY's Net Margin % is ranked lower than
51% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.93 vs. OVLY: 22.66 )
Ranked among companies with meaningful Net Margin % only.
OVLY' s Net Margin % Range Over the Past 10 Years
Min: 7.61  Med: 19.66 Max: 24.51
Current: 22.66
7.61
24.51
ROE % 10.19
OVLY's ROE % is ranked higher than
63% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.55 vs. OVLY: 10.19 )
Ranked among companies with meaningful ROE % only.
OVLY' s ROE % Range Over the Past 10 Years
Min: 1.95  Med: 7.28 Max: 10.22
Current: 10.19
1.95
10.22
ROA % 0.88
OVLY's ROA % is ranked lower than
52% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. OVLY: 0.88 )
Ranked among companies with meaningful ROA % only.
OVLY' s ROA % Range Over the Past 10 Years
Min: 0.39  Med: 0.86 Max: 1.01
Current: 0.88
0.39
1.01
3-Year Revenue Growth Rate 8.20
OVLY's 3-Year Revenue Growth Rate is ranked higher than
69% of the 1392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. OVLY: 8.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
OVLY' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -0.8  Med: 8.4 Max: 16
Current: 8.2
-0.8
16
3-Year EBITDA Growth Rate 7.20
OVLY's 3-Year EBITDA Growth Rate is ranked higher than
51% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. OVLY: 7.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
OVLY' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -25.2  Med: 6.5 Max: 43.8
Current: 7.2
-25.2
43.8
3-Year EPS without NRI Growth Rate 8.70
OVLY's 3-Year EPS without NRI Growth Rate is ranked higher than
54% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. OVLY: 8.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
OVLY' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -33.9  Med: 9.5 Max: 66.3
Current: 8.7
-33.9
66.3
GuruFocus has detected 5 Warning Signs with Oak Valley Bancorp $OVLY.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» OVLY's 30-Y Financials

Financials (Next Earnings Date: 2017-07-20 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» 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 Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:OTCPK:KTYB, NAS:HWBK, OTCPK:CABC, OTCPK:MNAT, NAS:CBAN, NAS:CIZN, NAS:SAL, NAS:MPB, NAS:ACFC, NAS:FSFG, OTCPK:LDKB, OTCPK:EMYB, OTCPK:HLAN, NAS:SBBX, NAS:RBPAA, NAS:AUBN, OTCPK:FNCB, NAS:CBFV, OTCPK:FDBC, OTCPK:CHBH » details
Headquarter Location:USA
Oak Valley Bancorp is a bank holding company of Oak Valley Community Bank. 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
PE Ratio 13.93
OVLY's PE Ratio is ranked higher than
52% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. OVLY: 13.93 )
Ranked among companies with meaningful PE Ratio only.
OVLY' s PE Ratio Range Over the Past 10 Years
Min: 7.75  Med: 13.75 Max: 54.67
Current: 13.93
7.75
54.67
PE Ratio without NRI 13.93
OVLY's PE Ratio without NRI is ranked higher than
53% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. OVLY: 13.93 )
Ranked among companies with meaningful PE Ratio without NRI only.
OVLY' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.75  Med: 13.75 Max: 54.67
Current: 13.93
7.75
54.67
Price-to-Owner-Earnings 11.46
OVLY's Price-to-Owner-Earnings is ranked higher than
60% of the 910 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.67 vs. OVLY: 11.46 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
OVLY' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.58  Med: 12.03 Max: 250
Current: 11.46
6.58
250
PB Ratio 1.38
OVLY's PB Ratio is ranked lower than
62% of the 1707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. OVLY: 1.38 )
Ranked among companies with meaningful PB Ratio only.
OVLY' s PB Ratio Range Over the Past 10 Years
Min: 0.58  Med: 1 Max: 3.54
Current: 1.38
0.58
3.54
PS Ratio 3.14
OVLY's PS Ratio is ranked higher than
55% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. OVLY: 3.14 )
Ranked among companies with meaningful PS Ratio only.
OVLY' s PS Ratio Range Over the Past 10 Years
Min: 1.13  Med: 2.4 Max: 6.43
Current: 3.14
1.13
6.43
Price-to-Free-Cash-Flow 11.12
OVLY's Price-to-Free-Cash-Flow is ranked higher than
50% of the 924 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.10 vs. OVLY: 11.12 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
OVLY' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.18  Med: 10.3 Max: 308.7
Current: 11.12
3.18
308.7
Price-to-Operating-Cash-Flow 10.51
OVLY's Price-to-Operating-Cash-Flow is ranked lower than
54% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.83 vs. OVLY: 10.51 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
OVLY' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.14  Med: 8.97 Max: 71.43
Current: 10.51
3.14
71.43
PEG Ratio 12.64
OVLY's PEG Ratio is ranked lower than
96% of the 848 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. OVLY: 12.64 )
Ranked among companies with meaningful PEG Ratio only.
OVLY' s PEG Ratio Range Over the Past 10 Years
Min: 0.33  Med: 0.82 Max: 56.25
Current: 12.64
0.33
56.25
Shiller PE Ratio 22.37
OVLY's Shiller PE Ratio is ranked lower than
55% of the 501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.95 vs. OVLY: 22.37 )
Ranked among companies with meaningful Shiller PE Ratio only.
OVLY' s Shiller PE Ratio Range Over the Past 10 Years
Min: 13.27  Med: 16.47 Max: 23.81
Current: 22.37
13.27
23.81

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.71
OVLY's Dividend Yield % is ranked lower than
72% of the 2351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. OVLY: 1.71 )
Ranked among companies with meaningful Dividend Yield % only.
OVLY' s Dividend Yield % Range Over the Past 10 Years
Min: 0.55  Med: 1.72 Max: 2.86
Current: 1.71
0.55
2.86
Dividend Payout Ratio 0.24
OVLY's Dividend Payout Ratio is ranked higher than
67% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. OVLY: 0.24 )
Ranked among companies with meaningful Dividend Payout Ratio only.
OVLY' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.07  Med: 0.25 Max: 0.37
Current: 0.24
0.07
0.37
3-Year Dividend Growth Rate 33.90
OVLY's 3-Year Dividend Growth Rate is ranked higher than
90% of the 801 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. OVLY: 33.90 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
OVLY' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: -49.1 Max: 33.9
Current: 33.9
0
33.9
Forward Dividend Yield % 1.74
OVLY's Forward Dividend Yield % is ranked lower than
76% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. OVLY: 1.74 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.71
OVLY's 5-Year Yield-on-Cost % is ranked lower than
78% of the 2673 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. OVLY: 1.71 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
OVLY' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.55  Med: 1.72 Max: 2.86
Current: 1.71
0.55
2.86
3-Year Average Share Buyback Ratio -0.70
OVLY's 3-Year Average Share Buyback Ratio is ranked higher than
62% of the 1073 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 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: -1.4 Max: -0.3
Current: -0.7
-9
-0.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.38
OVLY's Price-to-Tangible-Book is ranked lower than
55% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. OVLY: 1.38 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
OVLY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.62  Med: 1.08 Max: 3.89
Current: 1.38
0.62
3.89
Price-to-Intrinsic-Value-Projected-FCF 0.86
OVLY's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
57% of the 953 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. OVLY: 0.86 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
OVLY' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.43  Med: 0.6 Max: 106.13
Current: 0.86
0.43
106.13
Price-to-Intrinsic-Value-DCF (Earnings Based) 0.93
OVLY's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
54% of the 161 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. OVLY: 0.93 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.32
OVLY's Price-to-Median-PS-Value is ranked lower than
69% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. OVLY: 1.32 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
OVLY' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.49  Med: 1.11 Max: 3.07
Current: 1.32
0.49
3.07
Price-to-Graham-Number 0.92
OVLY's Price-to-Graham-Number is ranked higher than
52% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. OVLY: 0.92 )
Ranked among companies with meaningful Price-to-Graham-Number only.
OVLY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.52  Med: 0.8 Max: 2.34
Current: 0.92
0.52
2.34
Earnings Yield (Greenblatt) % -31.55
OVLY's Earnings Yield (Greenblatt) % is ranked lower than
92% of the 1832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.18 vs. OVLY: -31.55 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
OVLY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.3  Med: 6.5 Max: 5495.5
Current: -31.55
1.3
5495.5
Forward Rate of Return (Yacktman) % 6.86
OVLY's Forward Rate of Return (Yacktman) % is ranked lower than
64% of the 936 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.50 vs. OVLY: 6.86 )
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: -11.4  Med: 10.8 Max: 44.3
Current: 6.86
-11.4
44.3

More Statistics

Revenue (TTM) (Mil) $36.91
EPS (TTM) $ 1.03
Beta0.47
Short Percentage of Float0.02%
52-Week Range $9.35 - 15.28
Shares Outstanding (Mil)8.08
» More Articles for OVLY

Headlines

Articles On GuruFocus.com
Oak Valley Community Bank Announces Loan Officer Hiring May 25 2017 
Oak Valley Community Bank Reaches Students through Online Financial Education Program Apr 27 2017 
Oak Valley Community Bank Celebrates Innovative Investment in Schools During Financial Literacy Mont Apr 20 2016 
Oak Valley Community Bank Announces Agricultural Loan Officer Hiring Jan 25 2016 
Oak Valley Bancorp to Pay Cash Dividend Jan 20 2016 
Eastern Sierra Community Bank Announces Area Manager Hiring Jan 19 2016 
Oak Valley Community Bank Announces Senior Executive Promotion and New Chief Financial Officer Jan 04 2016 
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 

More From Other Websites
Oak Valley Community Bank Announces Loan Officer Hiring May 25 2017
Oak Valley Community Bank Reaches Students through Online Financial Education Program Apr 27 2017
Oak Valley Bancorp Reports 1st Quarter Results Apr 19 2017
Oak Valley Bancorp :OVLY-US: Earnings Analysis: 2016 By the Numbers : January 27, 2017 Jan 27 2017
Oak Valley Bancorp: Strong price momentum but will it sustain? Jan 23 2017
Oak Valley Bancorp :OVLY-US: Earnings Analysis: Q4, 2016 By the Numbers : January 23, 2017 Jan 23 2017
Oak Valley Bancorp posts 4Q profit Jan 20 2017
Oak Valley Bancorp Reports 4th Quarter Results Jan 19 2017
Oak Valley Bancorp to Pay Cash Dividend Jan 18 2017
Oak Valley Community Bank Announces Executive and Senior Vice President Promotions Jan 03 2017
Oak Valley Bancorp :OVLY-US: Earnings Analysis: Q3, 2016 By the Numbers : October 25, 2016 Oct 25 2016
Oak Valley Bancorp : OVLY-US: Dividend Analysis : August 01st, 2016 (record date) : By the numbers :... Oct 12 2016
Oak Valley Bancorp Reports 2nd Quarter Results and Announces Cash Dividend Jul 20 2016
Oak Valley Bancorp :OVLY-US: Earnings Analysis: Q1, 2016 By the Numbers : June 28, 2016 Jun 28 2016
One High-Flying Gold and Silver Producer and Two Other Companies Witness Insider Buying May 02 2016
Oak Valley Bancorp :OVLY-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 25 2016
Oak Valley Community Bank Celebrates Innovative Investment in Schools During Financial Literacy... Apr 20 2016

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)