Oak Valley BancorpOVLY +0.27%73 PB Ratio is 1.39 as of Jun. 25, 2026, which is 8% above its 10-year median of 1.29. 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 1,515 Banks companies, Oak Valley Bancorp ranks worse than 72.01% on this metric.
The historical rank and industry rank for Oak Valley Bancorp's PB Ratio or its related term are showing as below:
OVLY'
s PB Ratio Range Over the Past 10 Years
Min: 0.8 Med: 1.29 Max: 2.08
Current: 1.39
During the past 13 years, Oak Valley Bancorp's highest PB Ratio was 2.08. The lowest was 0.80. And the median was 1.29.
OVLY's PB Ratio is ranked worse than 72.01% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs OVLY: 1.39
During the past 12 months, Oak Valley Bancorp's average Book Value Per Share Growth Rate was 11.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 17.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 9.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 9.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Oak Valley Bancorp was 17.40% per year. The lowest was 3.80% per year. And the median was 8.50% per year.
Back to Basics: PB Ratio
Oak Valley Bancorp (NAS:OVLY) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Oak Valley Bancorp PB Ratio Related Terms
Oak Valley Bancorp PB Ratio Historical Data
* Premium members only.
The historical data trend for Oak Valley Bancorp's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Oak Valley Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where Oak Valley Bancorp's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Oak Valley Bancorp (OVLY) has a PB Ratio of 1.39 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Oak Valley Bancorp and its competitors. This is near median its historical median of 1.29. Over the past decade, Oak Valley Bancorp's PB Ratio has ranged from 0.80 to 2.08. According to the industry distribution chart, Oak Valley Bancorp ranks #1091 out of 1515 companies in the Banks industry, placing it in the top 72%.
Is Oak Valley Bancorp's PB Ratio too high?
Oak Valley Bancorp's current PB Ratio of 1.39 is near median its 10-year median of 1.29. Over the past 10 years, this metric has ranged from a low of 0.80 to a high of 2.08. The Banks industry median PB Ratio is 1.08. Oak Valley Bancorp's value of 1.39 is 28.7% above this industry median. Based on the distribution chart, Oak Valley Bancorp ranks #1091 out of 1515 companies in the Banks industry, which is below 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 PB Ratio compare to EXSR and FNRN?
According to the Banks industry distribution chart, Oak Valley Bancorp ranks #1091 out of 1515 companies for PB Ratio. This places Oak Valley Bancorp in the lower half of its industry. The industry median PB Ratio is 1.08. Oak Valley Bancorp's value of 1.39 is 28.7% above this benchmark. Historically, Oak Valley Bancorp's own PB Ratio has ranged from 0.80 to 2.08 over the past decade. While the company's 10-year median is 1.29 vs. the industry median of 1.08, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oak Valley Bancorp's current PB Ratio of 1.39 is 28.7% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Oak Valley Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oak Valley Bancorp's current PB Ratio is 1.39, which is near median its own 10-year median of 1.29. 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 $34.03 — trading 19.7% above its estimated fair value. The current PB Ratio is 1.39, which is near median its 10-year median of 1.29 and 28.7% above the Banks industry median of 1.08. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Oak Valley Bancorp (OVLY), the current PB Ratio is 1.39 as of Jun. 25, 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 $34.03 is trading 19.7% above its estimated GF Value™ of $28.42.
GuruFocus considers Oak Valley Bancorp to be Modestly Overvalued.
Key valuation signals for OVLY:
PB Ratio: 1.39 (near median its 10-year median of 1.29)
GF Value™: $28.42 vs. price of $34.03 (19.7% above fair value)
Industry Position: 28.7% above the Banks median (#1091 of 1515)
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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