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OVLY 
Oak Valley Bancorp (OVLY)
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Upturn Advisory Summary
12/30/2025: OVLY (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -9.85% | Avg. Invested days 37 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/30/2025 |
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 |
Upturn AI SWOT
Oak Valley Bancorp
Company Overview
History and Background
Oak Valley Bancorp was founded in 1980. It is the holding company for Oak Valley Community Bank, which has grown from a single branch to multiple locations serving its communities. Key milestones include expansions into new geographic areas and the introduction of new banking services.
Core Business Areas
- Community Banking: Oak Valley Community Bank offers a full range of commercial and retail banking services, including checking and savings accounts, money market accounts, certificates of deposit, commercial and real estate loans, consumer loans, and small business administration (SBA) loans.
- Wealth Management: The company provides trust and investment services, including estate planning, trust administration, retirement planning, and investment advisory services.
Leadership and Structure
Oak Valley Bancorp operates as a holding company with Oak Valley Community Bank as its primary subsidiary. The leadership team consists of a Board of Directors and executive officers responsible for strategic direction and operational oversight.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides financing for businesses, including real estate, equipment, and working capital loans. Competitors include national banks, regional banks, and credit unions. Market share data is not publicly available at this granular level for a community bank.
- Retail Deposit Accounts: Offers a variety of checking, savings, and money market accounts designed for individual and small business customers. Competitors are widespread across the banking industry.
- Mortgage Lending: Facilitates home purchase and refinance mortgages for individuals. Competitors include national mortgage lenders, other community banks, and credit unions.
Market Dynamics
Industry Overview
The community banking sector operates within the broader financial services industry, characterized by increasing competition from larger banks, fintech companies, and evolving regulatory landscapes. Interest rate fluctuations and economic conditions significantly impact profitability.
Positioning
Oak Valley Bancorp is positioned as a community-focused bank, emphasizing personalized service, local decision-making, and strong customer relationships. Its competitive advantages lie in its deep understanding of its local markets and its ability to offer tailored solutions.
Total Addressable Market (TAM)
The TAM for community banking is substantial, encompassing the financial needs of individuals and businesses within its operating regions. Oak Valley Bancorp's positioning is focused on capturing a significant share of this localized TAM through its branch network and digital offerings.
Upturn SWOT Analysis
Strengths
- Strong community ties and local market knowledge
- Personalized customer service
- Experienced management team
- Stable deposit base
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Potentially slower adoption of cutting-edge technology
Opportunities
- Expansion into adjacent markets
- Growth in wealth management services
- Leveraging digital banking solutions
- Strategic partnerships
Threats
- Increased competition from larger financial institutions and fintechs
- Interest rate volatility
- Cybersecurity risks
- Economic downturns impacting loan demand and quality
Competitors and Market Share
Key Competitors
- Pacific Western Bank (PWB)
- TriCo Bancshares (TCBC) (Acquired by Banc of California)
- CVB Financial Corp. (CVBF)
Competitive Landscape
Oak Valley Bancorp faces competition from larger regional banks with greater resources and broader product suites, as well as from specialized fintech companies offering niche financial solutions. Its advantage lies in its agility and personalized service within its core markets.
Growth Trajectory and Initiatives
Historical Growth: The company has demonstrated historical growth through organic expansion and potentially through strategic acquisitions. Trends in loan and deposit growth, as well as revenue and net income, would illustrate this.
Future Projections: Future growth projections are typically based on analyst estimates, internal strategic plans, and market analysis. These projections would consider factors like economic outlook and industry trends.
Recent Initiatives: Recent initiatives might include investments in technology, expansion of product offerings, or efforts to enhance customer experience.
Summary
Oak Valley Bancorp is a community-focused bank with strong local roots and a commitment to personalized service. Its core strengths lie in its deep understanding of its markets and customer relationships. However, it faces significant competition from larger institutions and the evolving fintech landscape. To thrive, the company must continue to leverage its community advantage while strategically embracing digital advancements and exploring new growth avenues to diversify its revenue streams and expand its reach.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Financial News Websites
- Industry Analysis Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share data is illustrative and may not reflect precise current figures. Numerical financial data is not included in this JSON output due to the lack of real-time data access and the need for specific period reporting.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 | Website https://www.ovcb.com |
Full time employees 225 | Website https://www.ovcb.com | ||
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.
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