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Oak Valley BancorpOVLY +0.09%73 EV-to-FCF is 4.85 as of Jul. 21, 2026, which is 670% above its 10-year median of 0.63. GuruFocus rates OVLY with a GF Score™ of 73/100 and a GF Value™ of $28.56 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,198 Banks companies, Oak Valley Bancorp ranks better than 57.76% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Oak Valley Bancorp's Enterprise Value is $123.02 Mil.
Oak Valley Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $25.34 Mil. Therefore, Oak Valley Bancorp's EV-to-FCF for today is 4.85.
The historical rank and industry rank for Oak Valley Bancorp's EV-to-FCF or its related term are showing as below:
OVLY'
s EV-to-FCF Range Over the Past 10 Years
Min: -89.57 Med: 0.63 Max: 6.34
Current: 4.85
During the past 13 years, the highest EV-to-FCF of Oak Valley Bancorp was 6.34. The lowest was -89.57. And the median was 0.63.
OVLY's EV-to-FCF is ranked better than 57.76% of 1198
companies
in the Banks industry
Industry Median: 6.68
vs OVLY: 4.85
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Oak Valley Bancorp (NAS:OVLY) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Oak Valley Bancorp's PE Ratio (TTM) for today is calculated as:
Oak Valley Bancorp's share price for today is $33.11.
Oak Valley Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.880.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Oak Valley Bancorp EV-to-FCF Related Terms
Oak Valley Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Oak Valley Bancorp's EV-to-FCF 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.
For the Banks - Regional subindustry, Oak Valley Bancorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Oak Valley Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Oak Valley Bancorp's EV-to-FCF falls into.
Oak Valley Bancorp's current Enterprise Value is $123.02 Mil.
Oak Valley Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $25.34 Mil.
* 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 EV-to-FCF of 4.85 as of Jul. 21, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Oak Valley Bancorp and its competitors. This is 670% above median its historical median of 0.63. According to the industry distribution chart, Oak Valley Bancorp ranks #506 out of 1198 companies in the Banks industry, placing it in the top 42.2%.
Is Oak Valley Bancorp's EV-to-FCF too high?
Oak Valley Bancorp's current EV-to-FCF of 4.85 is 670% above median its 10-year median of 0.63. The Banks industry median EV-to-FCF is 6.68. Oak Valley Bancorp's value of 4.85 is 27.4% below this industry median. Based on the distribution chart, Oak Valley Bancorp ranks #506 out of 1198 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 EV-to-FCF compare to FRAF and LRBI?
According to the Banks industry distribution chart, Oak Valley Bancorp ranks #506 out of 1198 companies for EV-to-FCF. This puts Oak Valley Bancorp in the upper half of its industry. The industry median EV-to-FCF is 6.68. Oak Valley Bancorp's value of 4.85 is 27.4% below this benchmark. While the company's 10-year median is 0.63 vs. the industry median of 6.68, Oak Valley Bancorp has consistently been below 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.68, based on 1,198 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oak Valley Bancorp's current EV-to-FCF of 4.85 is 27.4% below 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Oak Valley Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oak Valley Bancorp's current EV-to-FCF is 4.85, which is 670% above median its own 10-year median of 0.63. 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 $28.56, compared to a current price of $33.11 — trading 15.9% above its estimated fair value. The current EV-to-FCF is 4.85, which is 670% above median its 10-year median of 0.63 and 27.4% below the Banks industry median of 6.68. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Oak Valley Bancorp (OVLY), the current EV-to-FCF is 4.85 as of Jul. 21, 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 $33.11 is trading 15.9% above its estimated GF Value™ of $28.56.
GuruFocus considers Oak Valley Bancorp to be Modestly Overvalued.
Key valuation signals for OVLY:
EV-to-FCF: 4.85 (670% above median its 10-year median of 0.63)
GF Value™: $28.56 vs. price of $33.11 (15.9% above fair value)
Industry Position: 27.4% below the Banks median (#506 of 1198)
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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