
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
- Analyst Ratings
Upturn AI SWOT
- About


Oak Valley Bancorp (OVLY)



- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)


(see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
06/30/2025: OVLY (1-star) has a low Upturn Star Rating. Not recommended to BUY.
1 Year Target Price $0
1 Year Target Price $0
0 | Strong Buy |
0 | Buy |
0 | Hold |
0 | Sell |
0 | Strong Sell |
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 Advisory Performance ![]() | Stock Returns Performance ![]() |
![]() ![]() | ![]() ![]() |
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 - |
Upturn AI SWOT
Oak Valley Bancorp

Company Overview
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.
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 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
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
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
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.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.