OVLY (Oak Valley Bancorp) Tariff Resilience Score: 8/10 (As of Jul. 21, 2026)

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OVLY Oak Valley Bancorp OVLY
73 GF Score
Price $33.25
GF Value $28.56
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Oak Valley Bancorp Tariff Resilience Score?

Oak Valley Bancorp OVLY +0.51% 73 Tariff Resilience Score is 8 as of Jul. 21, 2026. 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 1,605 Banks companies, Oak Valley Bancorp ranks better than 78.75% on this metric.

Oak Valley Bancorp has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

Oak Valley Bancorp has Primarily a regional bank with limited exposure to international trade. Its operations are largely domestic, minimizing direct impact from tariffs. However, indirect effects on clients in trade-exposed sectors could pose some risk.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Oak Valley Bancorp might have Highly Resilient.

Oak Valley Bancorp  (NAS:OVLY) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Oak Valley Bancorp Tariff Resilience Score Related Terms

OVLY vs FRAF, LRBI, CFFI: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Oak Valley Bancorp's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, Oak Valley Bancorp's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Oak Valley Bancorp's Tariff Resilience Score falls into.


OVLY
73GF Score
Oak Valley Bancorp OVLY
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
Oak Valley Bancorp (OVLY) has a Tariff Resilience Score of 8 as of Jul. 21, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Oak Valley Bancorp ranks #341 out of 1605 companies in the Banks industry, placing it in the top 21.2%.
Is Oak Valley Bancorp's Tariff Resilience Score too high?
Oak Valley Bancorp's current Tariff Resilience Score is 8. Based on the distribution chart, Oak Valley Bancorp ranks #341 out of 1605 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Tariff Resilience Score compare to FRAF and LRBI?
According to the Banks industry distribution chart, Oak Valley Bancorp ranks #341 out of 1605 companies for Tariff Resilience Score. This places Oak Valley Bancorp in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Oak Valley Bancorp's current Tariff Resilience Score is 8. 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 Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Oak Valley Bancorp (OVLY), the current Tariff Resilience Score is 8 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:

  • Tariff Resilience Score: 8
  • GF Value™: $28.56 vs. price of $33.25 (16.4% above fair value)
  • GF Score™: 73/100 with 3 warning signs

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 Business Description

Address 125 North Third Avenue, Oakdale, CA, USA, 95361
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

Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$33.25
Price
$28.56
GF Value