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Oak Valley BancorpOVLY -0.82%73 Equity-to-Asset is 0.11 as of Jun. 2026, which is 22% above its 10-year median of 0.09. GuruFocus rates OVLY with a GF Score™ of 73/100 and a GF Value™ of $28.94 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,518 Banks companies, Oak Valley Bancorp ranks better than 63.77% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Oak Valley Bancorp's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $217.03 Mil. Oak Valley Bancorp's Total Assets for the quarter that ended in Jun. 2026 was $2,001.58 Mil.
Therefore, Oak Valley Bancorp's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.11.
The historical rank and industry rank for Oak Valley Bancorp's Equity-to-Asset or its related term are showing as below:
OVLY'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.05 Med: 0.09 Max: 0.11
Current: 0.11
During the past 13 years, the highest Equity to Asset Ratio of Oak Valley Bancorp was 0.11. The lowest was 0.05. And the median was 0.09.
OVLY's Equity-to-Asset is ranked better than 63.77% of 1518
companies
in the Banks industry
Industry Median: 0.1
vs OVLY: 0.11
Oak Valley Bancorp (NAS:OVLY) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Oak Valley Bancorp Equity-to-Asset Related Terms
Oak Valley Bancorp Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Oak Valley Bancorp's Equity-to-Asset 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.
OVLY vs BPRN, FNRN, TRUX: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Oak Valley Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Oak Valley Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Oak Valley Bancorp's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Oak Valley Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (OVLY) has a Equity-to-Asset of 0.11 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Oak Valley Bancorp and its competitors. This is 22% above median its historical median of 0.09. Over the past decade, Oak Valley Bancorp's Equity-to-Asset has ranged from 0.05 to 0.11. According to the industry distribution chart, Oak Valley Bancorp ranks #550 out of 1518 companies in the Banks industry, placing it in the top 36.2%.
Is Oak Valley Bancorp's Equity-to-Asset too high?
Oak Valley Bancorp's current Equity-to-Asset of 0.11 is 22% above median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.11. The Banks industry median Equity-to-Asset is 0.10. Oak Valley Bancorp's value of 0.11 is 10% above this industry median. Based on the distribution chart, Oak Valley Bancorp ranks #550 out of 1518 companies in the Banks industry, which is above the industry midpoint. 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 Equity-to-Asset compare to BPRN and FNRN?
According to the Banks industry distribution chart, Oak Valley Bancorp ranks #550 out of 1518 companies for Equity-to-Asset. This puts Oak Valley Bancorp in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Oak Valley Bancorp's value of 0.11 is 10% above this benchmark. Historically, Oak Valley Bancorp's own Equity-to-Asset has ranged from 0.05 to 0.11 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, Oak Valley Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oak Valley Bancorp's current Equity-to-Asset of 0.11 is 10% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Oak Valley Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oak Valley Bancorp's current Equity-to-Asset is 0.11, which is 22% above median its own 10-year median of 0.09. 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 $28.94, compared to a current price of $34.37 — trading 18.8% above its estimated fair value. The current Equity-to-Asset is 0.11, which is 22% above median its 10-year median of 0.09 and 10% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Oak Valley Bancorp (OVLY), the current Equity-to-Asset is 0.11 as of Jun. 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 $34.37 is trading 18.8% above its estimated GF Value™ of $28.94.
GuruFocus considers Oak Valley Bancorp to be Modestly Overvalued.
Key valuation signals for OVLY:
Equity-to-Asset: 0.11 (22% above median its 10-year median of 0.09)
GF Value™: $28.94 vs. price of $34.37 (18.8% above fair value)
Industry Position: 10% above the Banks median (#550 of 1518)
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 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
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