OVLY (Oak Valley Bancorp) Altman Z-Score

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

OVLY Oak Valley Bancorp OVLY
73 GF Score
Price $33.33
GF Value $28.56
Valuation Modestly Overvalued
! 3 Warning Signs
View Full Analysis

What is Oak Valley Bancorp Altman Z-Score?

The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.

Altman Z-Score does not apply to banks and insurance companies.

OVLY
73GF Score
Oak Valley Bancorp OVLY
Altman Z-Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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 $33.33 is trading 16.7% above its estimated GF Value™ of $28.56. GuruFocus considers Oak Valley Bancorp to be Modestly Overvalued.

Key valuation signals for OVLY:

  • Altman Z-Score:
  • GF Value™: $28.56 vs. price of $33.33 (16.7% 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

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

$33.33
Price
$28.56
GF Value