OVLY (Oak Valley Bancorp) E10: $2.49 (As of Mar. 2026)


OVLY Oak Valley Bancorp OVLY
73 GF Score
Price $33.94
GF Value $28.42
Valuation Modestly Overvalued
! 3 Warning Signs
View Full Analysis

What is Oak Valley Bancorp E10?

Oak Valley Bancorp OVLY -0.21% 73 E10 is $2.49 as of Mar. 2026. GuruFocus rates OVLY with a GF Score™ of 73/100 and a GF Value™ of $28.42 (Modestly Overvalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Oak Valley Bancorp's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.640. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $2.49 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Oak Valley Bancorp's average E10 Growth Rate was 12.70% per year. During the past 3 years, the average E10 Growth Rate was 15.40% per year. During the past 5 years, the average E10 Growth Rate was 17.60% per year. During the past 10 years, the average E10 Growth Rate was 16.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Oak Valley Bancorp was 20.60% per year. The lowest was 4.40% per year. And the median was 15.50% per year.

As of today (2026-06-25), Oak Valley Bancorp's current stock price is $33.94. Oak Valley Bancorp's E10 for the quarter that ended in Mar. 2026 was $2.49. Oak Valley Bancorp's Shiller PE Ratio of today is 13.63.

During the past 13 years, the highest Shiller PE Ratio of Oak Valley Bancorp was 32.59. The lowest was 10.86. And the median was 14.65.


Oak Valley Bancorp  (NAS:OVLY) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Oak Valley Bancorp's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=33.94/2.49
=13.63

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of Oak Valley Bancorp was 32.59. The lowest was 10.86. And the median was 14.65.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Oak Valley Bancorp E10 Related Terms


Oak Valley Bancorp E10 Historical Data

* Premium members only.

The historical data trend for Oak Valley Bancorp's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Oak Valley Bancorp E10 Chart

Oak Valley Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.30 1.57 1.91 2.14 2.41

Oak Valley Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.21 2.27 2.35 2.41 2.49

OVLY vs EXSR, FNRN, FDBC: E10 Comparison

For the Banks - Regional subindustry, Oak Valley Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Oak Valley Bancorp Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Oak Valley Bancorp's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Oak Valley Bancorp's Shiller PE Ratio falls into.


OVLY
73GF Score
Oak Valley Bancorp OVLY
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Oak Valley Bancorp E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Oak Valley Bancorp's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.64/330.2130*330.2130
=0.640

Current CPI (Mar. 2026) = 330.2130.

Oak Valley Bancorp Quarterly Data

per share eps CPI Adj_EPS
201606 0.240 241.018 0.329
201609 0.240 241.428 0.328
201612 0.290 241.432 0.397
201703 0.270 243.801 0.366
201706 0.350 244.955 0.472
201709 0.310 246.819 0.415
201712 0.200 246.524 0.268
201803 0.350 249.554 0.463
201806 0.320 251.989 0.419
201809 0.390 252.439 0.510
201812 0.370 251.233 0.486
201903 0.380 254.202 0.494
201906 0.370 256.143 0.477
201909 0.400 256.759 0.514
201912 0.390 256.974 0.501
202003 0.330 258.115 0.422
202006 0.320 257.797 0.410
202009 0.460 260.280 0.584
202012 0.570 260.474 0.723
202103 0.530 264.877 0.661
202106 0.480 271.696 0.583
202109 0.560 274.310 0.674
202112 0.420 278.802 0.497
202203 0.290 287.504 0.333
202206 0.520 296.311 0.579
202209 0.830 296.808 0.923
202212 1.150 296.797 1.279
202303 1.120 301.836 1.225
202306 1.020 305.109 1.104
202309 0.890 307.789 0.955
202312 0.710 306.746 0.764
202403 0.690 312.332 0.730
202406 0.710 314.175 0.746
202409 0.890 315.301 0.932
202412 0.730 315.605 0.764
202503 0.640 319.799 0.661
202506 0.670 322.561 0.686
202509 0.810 324.800 0.823
202512 0.760 324.054 0.774
202603 0.640 330.213 0.640

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $2.49 mean?
Oak Valley Bancorp (OVLY) has a E10 of $2.49 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Oak Valley Bancorp and its competitors.
Is Oak Valley Bancorp's E10 too high?
Oak Valley Bancorp's current E10 is $2.49. Overall, Oak Valley Bancorp has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oak Valley Bancorp's E10 compare to EXSR and FNRN?
Oak Valley Bancorp's E10 of $2.49 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Oak Valley Bancorp and its competitors. Oak Valley Bancorp's current E10 is $2.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oak Valley Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Oak Valley Bancorp (OVLY) is currently considered Modestly Overvalued. The stock's GF Value™ is $28.42, compared to a current price of $33.94 — trading 19.4% above its estimated fair value. The current E10 is $2.49. Oak Valley Bancorp's overall GF Score™ is 73/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Oak Valley Bancorp (OVLY), the current E10 is $2.49 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Oak Valley Bancorp (OVLY) Overvalued in 2026?

Based on GuruFocus' analysis, Oak Valley Bancorp stock appears to be overvalued. The current stock price of $33.94 is trading 19.4% above its estimated GF Value™ of $28.42. GuruFocus considers Oak Valley Bancorp to be Modestly Overvalued.

Key valuation signals for OVLY:

  • E10: $2.49
  • GF Value™: $28.42 vs. price of $33.94 (19.4% above fair value)
  • GF Score™: 73/100 with 3 warning signs

No single metric tells the full story. See the OVLY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Oak Valley Bancorp Business Description

Address 125 North Third Avenue, Oakdale, CA, USA, 95361
Oak Valley Bancorp is a bank holding company that operates through Oak Valley Community Bank (the Bank). The Bank offers a complement of business checking and savings accounts for its business customers. The Bank also offers commercial and real estate loans, as well as lines of credit. In addition, the bank 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. Its primary source of revenue is net interest income.
73GF Score

Get the complete analysis for OVLY

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$33.94
Price
$28.42
GF Value