Oak Valley BancorpOVLY -0.21%73 FCF Margin % is 37.76% as of Mar. 2026, which is 23% above its 10-year median of 30.60. 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. Among 1,505 Banks companies, Oak Valley Bancorp ranks better than 57.08% on this metric.
The historical rank and industry rank for Oak Valley Bancorp's FCF Margin % or its related term are showing as below:
OVLY'
s FCF Margin % Range Over the Past 10 Years
Min: 17.95 Med: 30.6 Max: 37.81
Current: 30.5
During the past 13 years, the highest FCF Margin % of Oak Valley Bancorp was 37.81%. The lowest was 17.95%. And the median was 30.60%.
OVLY's FCF Margin % is ranked better than 57.08% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs OVLY: 30.50
Oak Valley Bancorp FCF Margin % Related Terms
Oak Valley Bancorp FCF Margin % Historical Data
* Premium members only.
The historical data trend for Oak Valley Bancorp's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Oak Valley Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Oak Valley Bancorp's FCF Margin % falls into.
* 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 FCF Margin % of 37.76% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Oak Valley Bancorp and its competitors. This is 23% above median its historical median of 30.60. Over the past decade, Oak Valley Bancorp's FCF Margin % has ranged from 17.95 to 37.81. According to the industry distribution chart, Oak Valley Bancorp ranks #646 out of 1505 companies in the Banks industry, placing it in the top 42.9%.
Is Oak Valley Bancorp's FCF Margin % too high?
Oak Valley Bancorp's current FCF Margin % of 37.76% is 23% above median its 10-year median of 30.60. Over the past 10 years, this metric has ranged from a low of 17.95 to a high of 37.81. The Banks industry median FCF Margin % is 26.42. Oak Valley Bancorp's value of 37.76% is 42.9% above this industry median. Based on the distribution chart, Oak Valley Bancorp ranks #646 out of 1505 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 FCF Margin % compare to EXSR and FNRN?
According to the Banks industry distribution chart, Oak Valley Bancorp ranks #646 out of 1505 companies for FCF Margin %. This puts Oak Valley Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.42. Oak Valley Bancorp's value of 37.76% is 42.9% above this benchmark. Historically, Oak Valley Bancorp's own FCF Margin % has ranged from 17.95 to 37.81 over the past decade. While the company's 10-year median is 30.60 vs. the industry median of 26.42, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oak Valley Bancorp's current FCF Margin % of 37.76% is 42.9% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Oak Valley Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oak Valley Bancorp's current FCF Margin % is 37.76%, which is 23% above median its own 10-year median of 30.60. 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 FCF Margin % is 37.76%, which is 23% above median its 10-year median of 30.60 and 42.9% above the Banks industry median of 26.42. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Oak Valley Bancorp (OVLY), the current FCF Margin % is 37.76% 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:
FCF Margin %: 37.76% (23% above median its 10-year median of 30.60)
GF Value™: $28.42 vs. price of $33.94 (19.4% above fair value)
Industry Position: 42.9% above the Banks median (#646 of 1505)
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
Get the complete analysis for OVLY
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
OVLY has been successfully added to your 
