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OVLY logo OVLY
Upturn stock ratingUpturn stock rating
OVLY logo

Oak Valley Bancorp (OVLY)

Upturn stock ratingUpturn stock rating
$27.24
Last Close (24-hour delay)
Profit since last BUY3.14%
upturn advisory
Consider higher Upturn Star rating
BUY since 33 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
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Upturn Advisory Summary

06/30/2025: OVLY (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $0

1 Year Target Price $0

Analysts Price Target For last 52 week
$0Target price
Low$
Current$27.24
high$

Analysis of Past Performance

Type Stock
Historic Profit -7.94%
Avg. Invested days 35
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 228.16M USD
Price to earnings Ratio 9.16
1Y Target Price -
Price to earnings Ratio 9.16
1Y Target Price -
Volume (30-day avg) -
Beta 0.44
52 Weeks Range 22.70 - 31.87
Updated Date 06/29/2025
52 Weeks Range 22.70 - 31.87
Updated Date 06/29/2025
Dividends yield (FY) 2.20%
Basic EPS (TTM) 2.97

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 31.09%
Operating Margin (TTM) 36.46%

Management Effectiveness

Return on Assets (TTM) 1.32%
Return on Equity (TTM) 13.99%

Valuation

Trailing PE 9.16
Forward PE -
Enterprise Value 23403444
Price to Sales(TTM) 2.89
Enterprise Value 23403444
Price to Sales(TTM) 2.89
Enterprise Value to Revenue 2.95
Enterprise Value to EBITDA -
Shares Outstanding 8382060
Shares Floating 6732711
Shares Outstanding 8382060
Shares Floating 6732711
Percent Insiders 18.68
Percent Institutions 32.34

Analyst Ratings

Rating -
Target Price -
Buy -
Strong Buy -
Buy -
Strong Buy -
Hold -
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Oak Valley Bancorp

stock logo

Company Overview

overview logo History and Background

Oak Valley Bancorp was founded in 1991 in Oakdale, California. It operates as the bank holding company for Oak Valley Community Bank, focusing on serving businesses and individuals in the Central Valley region of California. Over time, it has expanded its branch network and services.

business area logo Core Business Areas

  • Community Banking: Provides traditional banking services, including checking and savings accounts, loans, and other financial products to individuals and businesses.
  • Commercial Lending: Offers commercial loans, real estate loans, and agricultural loans to businesses in its service area.
  • Wealth Management: Provides wealth management and trust services to individuals and families.

leadership logo Leadership and Structure

The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure includes departments for lending, operations, finance, and marketing. The Board of Directors provides oversight and strategic direction.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Commercial loans for businesses. Market share is difficult to ascertain precisely but is localized to the Central Valley region, estimated less than 1%. Competitors include larger national and regional banks like Bank of America, Wells Fargo, and other local community banks.
  • Real Estate Loans: Real estate loans for businesses and individuals. Market share is difficult to ascertain precisely but is localized to the Central Valley region, estimated less than 1%. Competitors include larger national and regional banks like Bank of America, Wells Fargo, and other local community banks.
  • Agricultural Loans: Agricultural loans to support the farming community. Market share is difficult to ascertain precisely but is localized to the Central Valley region, estimated less than 1%. Competitors include larger national and regional banks like Bank of America, Wells Fargo, and other local community banks.

Market Dynamics

industry overview logo Industry Overview

The community banking industry is characterized by increasing regulatory burdens, technological advancements, and competition from larger financial institutions and fintech companies.

Positioning

Oak Valley Bancorp positions itself as a community-focused bank, emphasizing personalized service and local decision-making. Its competitive advantage lies in its knowledge of the local market and its ability to build strong relationships with customers.

Total Addressable Market (TAM)

The total addressable market for banking services in the Central Valley of California is estimated to be several billion dollars. Oak Valley Bancorp is positioned to capture a small but significant portion of this market by focusing on local businesses and individuals.

Upturn SWOT Analysis

Strengths

  • Strong local presence and customer relationships
  • Experienced management team
  • Solid asset quality
  • Community-focused approach

Weaknesses

  • Limited geographic diversification
  • Smaller size compared to larger competitors
  • Dependence on the Central Valley economy

Opportunities

  • Expanding into adjacent markets
  • Leveraging technology to improve efficiency and customer service
  • Increasing market share in existing markets
  • Offering new products and services

Threats

  • Economic downturn in the Central Valley
  • Increased competition from larger banks and fintech companies
  • Rising interest rates
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • BANC
  • CASH
  • FFWM

Competitive Landscape

Oak Valley Bancorp's competitive advantage lies in its local focus and customer service. However, it faces competition from larger banks with greater resources and broader service offerings. Fintech companies also pose a threat.

Growth Trajectory and Initiatives

Historical Growth: Historical growth has been steady, driven by organic growth and strategic initiatives.

Future Projections: Future projections require real-time data retrieval which is not possible here. Analysts' estimates would consider factors like economic outlook and industry trends.

Recent Initiatives: Recent initiatives include expanding into new markets and investing in technology to improve customer service.

Summary

Oak Valley Bancorp demonstrates a strong commitment to its local community through personalized banking services. The bank's solid asset quality and experienced management team contribute to its stability. However, its limited geographic diversification and dependence on the Central Valley economy pose challenges. To ensure continuous growth, Oak Valley Bancorp must leverage technology, expand into new markets, and adapt to evolving regulatory requirements.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Website
  • Public Financial Statements (Unavailable to Retrieve)
  • Industry Reports (Unavailable to Retrieve)

Disclaimers:

The information provided is for informational purposes only and should not be considered investment advice. Market share data is an estimate. Financial data requires real-time retrieval.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Oak Valley Bancorp

Exchange NASDAQ
Headquaters Oakdale, CA, United States
IPO Launch date 2003-10-15
CEO & Director Mr. Christopher M. Courtney
Sector Financial Services
Industry Banks - Regional
Full time employees 225
Full time employees 225

Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank that provides a range of commercial banking services to individuals and small to medium-sized businesses in the Central Valley and the Eastern Sierras. The company's deposits products include checking and savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. It also provides commercial real estate loans, commercial business lending and trade finance, and small business administration lending, as well as consumer loans, including automobile loans, home mortgages, credit lines, and other personal loans. In addition, the company offers Internet, online, and mobile banking services; automated teller machines; and remote deposit capture, merchant, night depository, extended hours, wire transfer of funds, and note collection services. Oak Valley Bancorp was incorporated in 1990 and is headquartered in Oakdale, California.