NASDAQ · Banks - Regional · USD

Oak Valley Bancorp (OVLY) Stock Analysis

Oak Valley Bancorp (OVLY) is a Banks - Regional stock listed on NASDAQ and quoted in US Dollar.

Last Updated: October 21, 2026

OVLY

$33.24

−$0.36 (−1.07%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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OVLY Key Statistics

As of Oct 21, 2026

Trading

Open: $33.33
Previous Close: $33.60
Day's Range: 33.13–33.43
52-Week Range: 26.47–35.97
Volume: 11.78K
Beta: 0.22

Valuation

Market Cap: $279.64M
P/E Ratio: 11.79
P/S ratio: 3.37
EPS (ttm): 2.82

Financials (FY)

Revenue (FY): $81.73M+6.71%
Net Income (FY): $23.91M−4.15%
Profit margin: 28.23%
Shares Outstanding: 8.41M
1-Year Return: +30.11%

Dividend and dates

Dividend: $0.75+2.23%
Ex-Dividend Date: August 3, 2026
Earnings Date: October 28, 2026estimated
Avg Volume: 22.22K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, OVLY closed at $33.24, +30.11% over 1 year.

Oak Valley Bancorp (OVLY) has a market capitalization of $279.64M.

In fiscal 2025, OVLY reported revenue of $81.73M.

OVLY Stock Return by Calendar Year

Oak Valley Bancorp (OVLY) 10-year return: what $10,000 became

1 year: $10,000 $13,011; +30.11%
5 years: $10,000 $20,769; +107.69%
10 years: $10,000 $37,588; +275.88%

If you had invested $10,000 in Oak Valley Bancorp (OVLY) 10 years ago, at the close on October 21, 2016, it would have been worth $37,588 at the close on October 21, 2026: +275.88% in total, +14.16% a year, with dividends reinvested. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

+58.34%−13.03%+13.14%

2016*2017201820192020202120222023202420252026*

Year	Return
2026 (partial year)	+13.14%
2025	+5.11%
2024	−0.71%
2023	+33.87%
2022	+32.37%
2021	+6.53%
2020	−13.03%
2019	+7.90%
2018	−5.24%
2017	+58.34%
2016 (partial year)	+25.50%

As of October 21, 2026.

OVLY Revenue and Earnings by Fiscal Year

FY ends December

RevenueNet income

2022202320242025

Fiscal year	Revenue	Net income	Net margin
2025	$81.73M	$23.91M	29.3%
2024	$76.59M	$24.95M	32.6%
2023	$82.43M	$30.85M	37.4%
2022	$65.65M	$22.90M	34.9%

Fiscal year	Revenue	Gross profit	Operating income	Net income	Net margin
2025	$81.73M	—	—	$23.91M	29.3%
2024	$76.59M	—	—	$24.95M	32.6%
2023	$82.43M	—	—	$30.85M	37.4%
2022	$65.65M	—	—	$22.90M	34.9%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

OVLY Dividend History

’17’18’19’20’21’22’23’24’25’26*

$0.60+33.3% vs 2024

Dividends per share, 2025 · 2 payments

Year	Dividends per share	Payments	Change
2026*	$0.75	2	—
2025	$0.60	2	+33.3%
2024	$0.45	2	+40.6%
2023	$0.32	2	+6.7%

Year	Dividends per share	Payments	Change
2026 (partial year)	$0.75	2	—
2025	$0.60	2	+33.3%
2024	$0.45	2	+40.6%
2023	$0.32	2	+6.7%
2022	$0.30	2	+3.4%
2021	$0.29	2	+3.6%
2020	$0.28	2	+3.7%
2019	$0.27	2	+3.8%
2018	$0.26	2	+4.0%
2017	$0.25	2	—

Most recent payment: $0.38 per share, ex-dividend August 3, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

OVLY Valuation vs Banks - Regional Median

Median of 326 stocks

Metric	OVLY	Banks - Regional median	vs median
P/E	11.79	12.03	2% below
P/S ratio	3.37	3.58	6% below
Profit margin	28.23%	29.44%	1.2 pts below

Medians across 326 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Analysis

Data-derived

Company Overview

Oak Valley Bancorp (OVLY) is capitalised at $279.64M on the latest close. It is classified in the Banks - Regional industry, within the Financial Services sector. Headcount on file is 246.

OVLY last closed at $33.24 on October 21, 2026. That is −$0.36 (−1.07%) against the previous close. The 52-week range on file runs from $26.47 to $35.97. The latest close sits 25.58% above that 52-week low.

Financial Health

The most recent full year on file, fiscal 2025, shows revenue of $81.73M. That is +6.71% against the prior fiscal year, when revenue was $76.59M. The same year closed with net income of $23.91M. That is −4.15% against the prior fiscal year. Profit margin runs at 28.23%. That is 1.2 percentage points below the Banks - Regional median of 29.44%. Earnings per share on a trailing basis come to 2.82.

Across the 4 fiscal years on file, revenue moves from $65.65M in 2022 to $81.73M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

OVLY trades at a trailing price-to-earnings ratio of 11.79. That is 2% below the Banks - Regional median of 12.03. Measured against sales, the shares trade at 3.37 times revenue. On price-to-sales that is 5.93% below the Banks - Regional median of 3.58. 326 Banks - Regional companies report these metrics, and the medians quoted come from that group.

The reported beta is 0.22. Daily returns over the trailing 10 years annualize to a volatility of 37.65%. Over the trailing twelve months the total return is +30.11%. Across 10 years the annualized return works out at +14.16%.

Growth & Income

The trailing dividend yield is 2.23%. That is 0.5 percentage points below the Banks - Regional median yield of 2.68%. At the indicated rate that is $0.75 a share a year. The ex-dividend date on file is August 3, 2026. Dividends are recorded for 10 calendar years; 2026 shows 2 payments totalling $0.75 a share. The year before, 2025, totalled $0.60 a share.

Across the complete calendar years on file, 2017 returned +58.34% and 2020 returned −13.03%. Of the 9 complete calendar years on file, 6 finished higher. 2026 is still running; the total return is +13.14% year to date.

Peer Comparison

Oak Valley Bancorp (OVLY) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company	Ticker	Market Cap	P/E Ratio
Oak Valley Bancorp	OVLY	$279.64M	11.8
Mizuho Financial Group, Inc.	MFG	$120.84B	13.7
HDFC Bank Limited	HDB	$116.51B	14.6
Itaú Unibanco Holding S.A.	ITUB	$106.91B	12.4

The Banks - Regional industry average P/E ratio is 12.0x. Oak Valley Bancorp trades at a P/E of 11.8.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About Oak Valley Bancorp

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 accepts deposits through 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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