Oak Valley Bancorp (OVLY) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Oak Valley Bancorp reported revenue of $81.7M, up 6.7% from $76.6M the year before. Net income was $23.9M (a 29.3% net margin), or $2.88 per diluted share. Net interest income was $74.6M, and the efficiency ratio (noninterest expense / revenue) was 61.5%. Operating activities generated $28.7M of cash, leaving $24.6M of free cash flow. At fiscal year end, Oak Valley Bancorp held $2.02B in total assets against $1.82B in total liabilities, including $232.2M of cash and equivalents.
Open the full interactive Oak Valley Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Oak Valley Bancorp Key Stats
| Share Price | $33.96 |
|---|---|
| Market Cap | $283.0M |
| P/E Ratio | 11.8 |
| Revenue YoY Growth | +6.7% |
| 52-Week Range | $24.83 – $34.88 |
| Shares Outstanding | 8.3 million (basic, 2026 Q2) |
Oak Valley Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $45.0M | $48.8M | $60.1M | $75.8M | $70.0M | $74.6M |
| Provision for Credit Losses | $2.2M | -$635,000 | -$1.4M | $970,000 | -$1.6M | $805,000 |
| Noninterest Income | $4.8M | $5.4M | $5.6M | $6.6M | $6.6M | $7.1M |
| Noninterest Expense | $29.9M | $33.2M | $37.3M | $41.2M | $46.0M | $50.3M |
| Revenue | $49.8M | $54.3M | $65.6M | $82.4M | $76.6M | $81.7M |
| Pre-Tax Income | $17.7M | $21.7M | $29.7M | $40.3M | $32.2M | $30.6M |
| Income Tax | $4.1M | $5.3M | $6.8M | $9.5M | $7.2M | $6.7M |
| Net Income | $13.7M | $16.3M | $22.9M | $30.8M | $24.9M | $23.9M |
| Diluted EPS | $1.68 | $2.00 | $2.79 | $3.75 | $3.02 | $2.88 |
Oak Valley Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $21.2M | $21.3M | $20.8M | $20.6M |
| Net Income | $6.7M | $6.3M | $5.3M | $5.1M |
| Diluted EPS | $0.81 | $0.76 | $0.64 | $0.61 |
Oak Valley Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $226.7M | $778.3M | $429.6M | $216.6M | $168.8M | $232.2M |
| Loans (Net) | $997.2M | $847.8M | $905.0M | — | — | $1.13B |
| Total Assets | $1.51B | $1.96B | $1.97B | $1.84B | $1.90B | $2.02B |
| Deposits | $1.37B | $1.81B | $1.81B | $1.65B | $1.70B | $1.79B |
| Total Liabilities | $1.38B | $1.82B | $1.84B | $1.68B | $1.72B | $1.82B |
| Shareholders' Equity | $129.7M | $142.6M | $126.6M | $166.1M | $183.4M | $208.0M |
Oak Valley Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $19.2M | $11.3M | $23.3M | $33.1M | $25.6M | $28.7M |
| Cash From Investing | -$285.6M | $103.7M | -$376.7M | -$79.5M | -$114.7M | -$57.2M |
| Cash From Financing | $345.5M | $436.7M | $4.7M | -$166.6M | $41.3M | $92.0M |
| Free Cash Flow | $17.5M | $10.3M | $22.1M | $31.2M | $23.9M | $24.6M |
Figures from Oak Valley Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Oak Valley Bancorp financials page for every line item.
Oak Valley Bancorp Company Profile
| Ticker | OVLY |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Oakdale, California |
| Incorporated in | California |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company |
| SEC CIK | 0001431567 |
Frequently Asked Questions
What was Oak Valley Bancorp's revenue in fiscal 2025?
Oak Valley Bancorp (OVLY) reported revenue of $81.7M for fiscal 2025.
What is Oak Valley Bancorp's annual revenue history?
Oak Valley Bancorp's annual revenue by fiscal year: 2020: $49.8M; 2021: $54.3M; 2022: $65.6M; 2023: $82.4M; 2024: $76.6M; 2025: $81.7M.
What was Oak Valley Bancorp's net income in fiscal 2025?
Oak Valley Bancorp reported net income of $23.9M for fiscal 2025.
What was Oak Valley Bancorp's earnings per share (EPS) in fiscal 2025?
Oak Valley Bancorp's diluted EPS was $2.88 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Oak Valley Bancorp generate in fiscal 2025?
Oak Valley Bancorp generated $24.6M of free cash flow in fiscal 2025.
What was Oak Valley Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Oak Valley Bancorp reported revenue of $20.6M.
How many shares of Oak Valley Bancorp are outstanding?
Oak Valley Bancorp reported a weighted average of 8.3 million basic shares outstanding in 2026 Q2.
What is Oak Valley Bancorp's market cap?
Based on its latest closing price, Oak Valley Bancorp (OVLY) has a market capitalization of about $283.0M.
When does Oak Valley Bancorp's fiscal year end?
Oak Valley Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is Oak Valley Bancorp headquartered?
Oak Valley Bancorp lists its business address in Oakdale, California in its SEC filings.