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Upturn AI SWOT - About
OVLY 
Oak Valley Bancorp (OVLY)
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Upturn Advisory Summary
10/15/2025: OVLY (1-star) is currently NOT-A-BUY. Pass it for now.
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 -13.04% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
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 1991 and is headquartered in Oakdale, California. It has grown organically and through acquisitions, focusing on community banking services in the Central Valley region of California.
Core Business Areas
- Commercial Banking: Offers loans, deposit accounts, and other financial services to businesses, including small businesses and agricultural operations.
- Retail Banking: Provides checking and savings accounts, loans, and other banking services to individuals and households.
- Wealth Management: Offers investment advisory and trust services to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure includes various departments such as lending, operations, and finance, reporting to the executive team and ultimately the Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for businesses to expand operations, purchase equipment, or manage working capital. OAKV's market share in the Central Valley commercial loan market is estimated at around 3-5%. Competitors include larger regional banks and credit unions. Revenue is a major component of the total interest income.
- Real Estate Loans: Finances residential and commercial real estate purchases and development. OAKV's market share in the Central Valley real estate loan market is estimated at around 2-4%. Competitors include national banks and mortgage companies. Revenue is a major component of the total interest income.
- Agricultural Loans: Offers financing to farmers and agricultural businesses. OAKV is estimated to have around 5-7% market share within their target market. Competitors include Farm Credit institutions and other agricultural lenders. Revenue is a major component of the total interest income.
Market Dynamics
Industry Overview
The community banking industry is competitive, with many small and regional banks vying for market share. The industry is influenced by interest rates, regulatory changes, and economic conditions.
Positioning
Oak Valley Bancorp positions itself as a community-focused bank with strong local ties and personalized customer service. Its competitive advantages include its knowledge of the local market and its ability to provide customized financial solutions.
Total Addressable Market (TAM)
The TAM for banking services in the Central Valley region of California is estimated at several billion dollars. Oak Valley Bancorp's position is a small but growing market share within this TAM.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Local market expertise
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Limited diversification of revenue streams
Opportunities
- Expand into new markets within California
- Increase market share through acquisitions
- Develop new products and services
- Leverage technology to improve efficiency
Threats
- Increased competition from larger banks
- Economic downturn in California
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- CVLY
- FNB
- CASH
Competitive Landscape
Oak Valley Bancorp benefits from strong community ties but faces competition from larger banks with greater resources.
Major Acquisitions
Mother Lode Bank
- Year: 2017
- Acquisition Price (USD millions): 33.3
- Strategic Rationale: Expanded Oak Valley Bancorp's footprint in the Central Valley and increased its asset base.
Growth Trajectory and Initiatives
Historical Growth: Oak Valley Bancorp's growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Projections for Oak Valley Bancorp's future growth would be based on analyst estimates and management guidance, which are unavailable without further research.
Recent Initiatives: Recent strategic initiatives may include branch expansions, technology investments, or new product launches. Specific recent initiatives require current data.
Summary
Oak Valley Bancorp is a community bank with strengths in local market expertise and relationships. It faces challenges from larger competitors and economic fluctuations. Strategic acquisitions and technology investments are key to its continued growth. Maintaining strong asset quality is crucial for future performance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- Analyst Estimates (where available)
Disclaimers:
This analysis is based on available information and general industry knowledge and is not financial advice. Actual financial data and market conditions may vary. Market share percentages are estimated.
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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