Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Oak Valley BancorpOVLY +0.51%73 FCF Yield % is 9.06 as of Jul. 21, 2026, which is 5% below its 10-year median of 9.56. 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 1,502 Banks companies, Oak Valley Bancorp ranks better than 55.33% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Oak Valley Bancorp FCF Yield % Related Terms
Oak Valley Bancorp FCF Yield % Historical Data
* Premium members only.
The historical data trend for Oak Valley Bancorp's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Oak Valley Bancorp's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Oak Valley Bancorp's FCF Yield % 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 Yield % of 9.06 as of Jul. 21, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Oak Valley Bancorp and its competitors. This is near median its historical median of 9.56. Over the past decade, Oak Valley Bancorp's FCF Yield % has ranged from 3.49 to 23.36. According to the industry distribution chart, Oak Valley Bancorp ranks #671 out of 1502 companies in the Banks industry, placing it in the top 44.7%.
Is Oak Valley Bancorp's FCF Yield % too high?
Oak Valley Bancorp's current FCF Yield % of 9.06 is near median its 10-year median of 9.56. Over the past 10 years, this metric has ranged from a low of 3.49 to a high of 23.36. The Banks industry median FCF Yield % is 8.14. Oak Valley Bancorp's value of 9.06 is 11.3% above this industry median. Based on the distribution chart, Oak Valley Bancorp ranks #671 out of 1502 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 Yield % compare to FRAF and LRBI?
According to the Banks industry distribution chart, Oak Valley Bancorp ranks #671 out of 1502 companies for FCF Yield %. This puts Oak Valley Bancorp in the upper half of its industry. The industry median FCF Yield % is 8.14. Oak Valley Bancorp's value of 9.06 is 11.3% above this benchmark. Historically, Oak Valley Bancorp's own FCF Yield % has ranged from 3.49 to 23.36 over the past decade. While the company's 10-year median is 9.56 vs. the industry median of 8.14, 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.14, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oak Valley Bancorp's current FCF Yield % of 9.06 is 11.3% 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Oak Valley Bancorp and its competitors. For the Banks industry, the median FCF Yield % is 8.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oak Valley Bancorp's current FCF Yield % is 9.06, which is near median its own 10-year median of 9.56. 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 $33.25 — trading 16.4% above its estimated fair value. The current FCF Yield % is 9.06, which is near median its 10-year median of 9.56 and 11.3% above the Banks industry median of 8.14. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Oak Valley Bancorp (OVLY), the current FCF Yield % is 9.06 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 $33.25 is trading 16.4% above its estimated GF Value™ of $28.56.
GuruFocus considers Oak Valley Bancorp to be Modestly Overvalued.
Key valuation signals for OVLY:
FCF Yield %: 9.06 (near median its 10-year median of 9.56)
GF Value™: $28.56 vs. price of $33.25 (16.4% above fair value)
Industry Position: 11.3% above the Banks median (#671 of 1502)
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 Yield % 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 
