OVLY
Oak Valley Bancorp
NASDAQ: OVLY · FINANCIAL SERVICES · BANKS - REGIONAL
$33.08
-0.24% today
Updated 2026-04-30
Market cap
$283.37M
P/E ratio
11.69
P/S ratio
3.46x
EPS (TTM)
$2.88
Dividend yield
2.00%
52W range
$24 – $35
Volume
0.0M
Oak Valley Bancorp (OVLY) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $30.38M | $21.03M | $31.77M | $31.92M | $30.70M | $29.58M | $29.13M | $28.38M | $29.70M | $30.13M | $36.70M | $41.22M | $44.89M | $47.65M | $50.92M | $55.23M | $66.77M | $87.30M | $89.45M | $81.73M |
| Revenue growth (YoY) | — | -30.8% | +51.1% | +0.5% | -3.8% | -3.6% | -1.5% | -2.6% | +4.6% | +1.4% | +21.8% | +12.3% | +8.9% | +6.2% | +6.9% | +8.5% | +20.9% | +30.8% | +2.5% | -8.6% |
| Cost of revenue | $11.96M | $13.56M | $10.92M | $11.50M | $6.94M | $3.15M | $2.29M | $1.13M | $-1.23M | $490000.00 | $1.25M | $1.42M | $2.16M | $2.11M | $3.32M | $336000.00 | $-231000.00 | $5.83M | $11.24M | $805000.00 |
| Gross profit | $18.43M | $21.03M | $20.85M | $20.42M | $23.76M | $26.43M | $26.84M | $27.26M | $30.93M | $29.64M | $35.45M | $39.81M | $42.73M | $45.54M | $47.61M | $54.90M | $67.00M | $81.46M | $78.21M | $80.92M |
| Gross margin | 60.6% | 100.0% | 65.6% | 64.0% | 77.4% | 89.4% | 92.1% | 96.0% | 104.1% | 98.4% | 96.6% | 96.6% | 95.2% | 95.6% | 93.5% | 99.4% | 100.3% | 93.3% | 87.4% | 99.0% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $7.58M | $8.59M | $10.41M | $8.68M | $9.40M | $9.33M | $10.01M | $9.98M | $11.12M | $11.72M | $13.56M | $14.11M | $16.29M | $17.40M | $17.97M | $20.21M | $23.05M | $26.11M | $28.64M | $30.84M |
| Operating income | $6.24M | $19.31M | $2.98M | $2.20M | $6.98M | $9.04M | $8.60M | $8.60M | $10.70M | $6.96M | $11.14M | $15.24M | $15.35M | $16.69M | $17.74M | $21.68M | $29.69M | $40.31M | $32.19M | $30.65M |
| Operating margin | 20.5% | 91.8% | 9.4% | 6.9% | 22.7% | 30.6% | 29.5% | 30.3% | 36.0% | 23.1% | 30.3% | 37.0% | 34.2% | 35.0% | 34.8% | 39.2% | 44.5% | 46.2% | 36.0% | 37.5% |
| EBITDA | $7.14M | $19.31M | $4.10M | $3.24M | $7.94M | $10.03M | $9.73M | $9.76M | $11.87M | $8.17M | $12.39M | $16.36M | $16.53M | $17.78M | $18.94M | $22.82M | $30.84M | $41.40M | $33.29M | $30.65M |
| EBITDA margin | 23.5% | 91.8% | 12.9% | 10.1% | 25.9% | 33.9% | 33.4% | 34.4% | 40.0% | 27.1% | 33.8% | 39.7% | 36.8% | 37.3% | 37.2% | 41.3% | 46.2% | 47.4% | 37.2% | 37.5% |
| EBIT | $6.24M | $19.31M | $2.98M | $2.20M | $6.98M | $9.04M | $8.60M | $8.60M | $10.70M | $6.96M | $11.14M | $15.24M | $15.35M | $16.69M | $17.74M | $21.68M | $29.69M | $40.31M | $32.19M | — |
| Interest expense | $11.36M | $13.01M | $8.73M | $5.64M | $2.92M | $1.65M | $1.14M | $827748.00 | $647000.00 | $615000.00 | $764000.00 | $1.06M | $1.61M | $1.57M | $1.15M | $971000.00 | $1.12M | $4.86M | $12.86M | $13.31M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $3.83M | $3.97M | $2.16M | $2.00M | $4.63M | $5.86M | $5.78M | $5.89M | $7.12M | $4.91M | $7.67M | $9.09M | $11.54M | $12.49M | $13.69M | $16.34M | $22.90M | $30.85M | $24.95M | $23.91M |
| Net income growth (YoY) | — | +3.6% | -45.5% | -7.5% | +131.4% | +26.6% | -1.4% | +1.8% | +21.0% | -31.1% | +56.2% | +18.6% | +26.9% | +8.3% | +9.6% | +19.4% | +40.2% | +34.7% | -19.1% | -4.1% |
| Profit margin | 12.6% | 18.9% | 6.8% | 6.3% | 15.1% | 19.8% | 19.8% | 20.7% | 24.0% | 16.3% | 20.9% | 22.1% | 25.7% | 26.2% | 26.9% | 29.6% | 34.3% | 35.3% | 27.9% | 29.3% |