Oak Valley Bancorp (OVLY) Stock

Oak Valley Bancorp (OVLY) is a Financials stock trading at $34.53 (as of 2026-08-21), with a market capitalization of $290.49M and a trailing P/E of 12.4. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Oak Valley Bancorp is the holding company for Oak Valley Community Bank, providing commercial banking services to individuals and small to medium-sized businesses. It offers deposit accounts and certificates of deposit, commercial and consumer lending, and digital and branch-based services such as online and mobile banking, remote deposit capture, ATM access, and funds transfer and note collection.

Understand Oak Valley Bancorp: how it makes money

Oak Valley Bancorp is the bank holding company for Oak Valley Community Bank, providing deposit products and commercial and consumer lending to individuals and small to medium-sized businesses in the Central Valley and the Eastern Sierras, earning money by taking deposits and originating loans and other lending services.

For a community bank, profitability is structurally driven by the difference between funding costs on deposits and the credit performance of the loan portfolio, as reflected in Cost of Funds, Non-Performing Assets, and Allowance for Credit Losses as a Percentage of Gross Loans.

Business quality (Solid): Clear business focus (community deposits and lending) with profitability (Operating margin_pct 30.6% for 2026-03-31) to monitor alongside funding cost and credit quality metrics, including Cost of Funds and Allowance for Credit Losses as a Percentage of Gross Loans.

Valuation: At 12× earnings, OVLY trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

Funding cost is explicitly tracked: The company reports Cost of Funds of 0.77 percent, a key lever that can influence how efficiently deposits support lending.
Defined credit loss coverage metric: Allowance for Credit Losses as a Percentage of Gross Loans is 1.13 percent, providing a measurable view into credit loss reserves versus the gross loan base.
Local branch footprint supports its deposit and lending model: It operates 19 banking offices (19 full-service branches) and has 238 full-time equivalent staff.

Bear case

Asset quality risk is a core exposure for lenders: Non-Performing Assets are 4,600,000 (as reported), indicating that some portion of loans is not performing as expected.
Credit stress could pressure earnings: Allowance for Credit Losses as a Percentage of Gross Loans is 1.13 percent, so changes in borrower performance could affect future provisions and profitability.
Concentration in a defined geography: Banking services are focused in the Central Valley and the Eastern Sierras, so local economic conditions can have an outsized impact.

Valuation — source: SEC EDGAR (first-party)
Price	$34.53
Market Cap	$290.49M
P/E Ratio	12.4
EV / EBITDA	3.0
Price / Book	1.34
Price / Sales	3.22
FCF Yield	8.6%
DCF Value (model)	$58.29
DCF Upside vs Price	68.8%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$87.92M
Net Margin	27.2%
Revenue Growth (YoY)	5.0%
EPS Growth (YoY)	-8.8%
FCF Growth (YoY)	-15.4%

Valuation vs Sector & Industry
Stock P/E	12.4
Sector P/E (Financials)	15.1
Industry P/E (Banking)	13.0
vs Sector	-18.0%
vs Industry	-4.5%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional Holder	BlackRock, Inc. ($13.86M)
Institutional Holders Tracked	10

Company
Sector	Financials
Industry	Banking
CEO	Christopher Courtney
Employees	225
Country	US
IPO Date	2003-10-15

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.