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Upturn AI SWOT - About
OVLY 
Oak Valley Bancorp (OVLY)
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Upturn Advisory Summary
08/28/2025: 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 -8.73% | Avg. Invested days 34 | 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 08/28/2025 |
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 with a focus on serving the needs of businesses and individuals in the Central Valley of California. It has grown organically through expansion of branches and a commitment to community banking principles.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products tailored to businesses, including commercial real estate loans, equipment financing, and lines of credit.
- Retail Banking: Offers deposit accounts, personal loans, and other financial services to individual customers.
- Agricultural Lending: Provides specialized lending products and services to farmers and agricultural businesses in the region.
Leadership and Structure
The leadership team consists of experienced banking professionals. The organizational structure is typical of a community bank, with regional divisions and centralized support functions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data specific to Oak Valley Bancorp is difficult to ascertain due to the fragmented nature of the commercial real estate lending market. Competitors include larger regional and national banks like Bank of America (BAC) and Wells Fargo (WFC), as well as other community banks.
- Agricultural Loans: Loans tailored to agricultural businesses. Market share is regional and variable. Competitors are Farm Credit institutions and other regional banks with agricultural lending divisions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased competition from fintech companies, and regulatory scrutiny.
Positioning
Oak Valley Bancorp is positioned as a community-focused bank, emphasizing relationship banking and local decision-making. Its competitive advantages include personalized service and local expertise.
Total Addressable Market (TAM)
The TAM includes the total loan and deposit market in their service area. Oak Valley Bancorp captures a portion of this market focusing on local businesses and agricultural clients.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Local market expertise
- Experienced management team
- High customer satisfaction
Weaknesses
- Limited geographic reach
- Lower brand recognition compared to larger banks
- Dependence on local economy
Opportunities
- Expansion into new markets within California
- Increased adoption of digital banking solutions
- Growing demand for community banking services
- Partnerships with fintech companies
Threats
- Increased competition from larger banks and credit unions
- Economic downturn in California
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- CVBF
- BANC
- FFWM
Competitive Landscape
Oak Valley Bancorp competes with larger regional banks and other community banks for deposits and loans. Its advantages include local knowledge and personalized service.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Future growth is expected to be driven by continued expansion in existing markets and new product offerings.
Recent Initiatives: Recent strategic initiatives include investments in technology and expansion of branch network.
Summary
Oak Valley Bancorp is a community-focused bank with a strong presence in the Central Valley of California. Its strengths include local market expertise and strong customer relationships. Challenges include competition from larger banks and sensitivity to the local economy. Future growth is expected to be driven by organic expansion and strategic initiatives.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Financial data may be outdated. Market share data may be estimated. Consult with a financial advisor before making any investment decisions.
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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