OVLY
Oak Valley Bancorp
OVLY's fundamentals are mixed, but it looks expensive: trading at 12x earnings, above its usual 9.4x.
OVLY Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
OVLY's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like OVLY.
OVLY PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.7x | $21.46 | -38% |
| Fair | 9.3x | $25.93 | -25% |
| Expensive | 12x | $32.28 | -6.6% |
| Current | 12x | $34.57 | — |
Historical ranges are pointers, not guarantees.
OVLY's PE is in its expensive range at 12x.
OVLY Forward outlook
There aren't enough analyst estimates for OVLY to show an outlook.
OVLY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $2.78 | -2.5% |
| Q2 2026 | $2.82 | -3.8% |
| Q1 2026 | $2.88 | -3% |
| Q4 2025 | $2.88 | -4.6% |
| Q3 2025 | $2.85 | -5.3% |
| Q2 2025 | $2.93 | -2.7% |
| Q1 2025 | $2.97 | -11% |
| Q4 2024 | $3.02 | -19% |
OVLY's earnings per share have fallen from their peak: $2.78 over the past year, against $4.18 in late 2023.
OVLY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $21.7M | +2.3% |
| Q2 2026 | $20.6M | +3.8% |
| Q1 2026 | $20.8M | +7% |
| Q4 2025 | $21.3M | +10% |
| Q3 2025 | $21.2M | +8.6% |
| Q2 2025 | $19.9M | +4.2% |
| Q1 2025 | $19.4M | +3.5% |
| Q4 2024 | $19.3M | -2% |
OVLY's revenue has grown year over year for seven quarters in a row: $22M last quarter, up 2.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 38% | -2.5 points |
| Q2 2026 | 31% | -4.9 points |
| Q1 2026 | 33% | -2.2 points |
| Q4 2025 | 38% | -1.8 points |
| Q3 2025 | 40% | -10 points |
| Q2 2025 | 36% | -2.9 points |
| Q1 2025 | 35% | -3.5 points |
| Q4 2024 | 40% | +0.5 points |
OVLY's operating margin was 38% last quarter, down 2.5 points from the same quarter a year ago.
OVLY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $9.1M | +43% |
| Q2 2026 | $3.4M | -15% |
| Q1 2026 | $7.8M | +16% |
| Q4 2025 | $7.4M | +119% |
| Q3 2025 | $6.3M | -27% |
| Q2 2025 | $4M | +12% |
| Q1 2025 | $6.8M | -17% |
| Q4 2024 | $3.4M | +$4.9M |
OVLY's free cash flow was $28M over the past year, up 35% from the year before. Free cash flow isn't a meaningful measure for financial services companies like OVLY.
OVLY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +15K shares |
| 1 year | +0.6% | +49K shares |
| 3 years | +1.4% | +116K shares |
| 5 years | +2% | +165K shares |
| Available history | +2.9% | +231K shares |
OVLY has 8M diluted shares, up 0.6% from a year ago.
OVLY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.8x | Net Cash |
| Q2 2026 | -6.2x | Net Cash |
| Q1 2026 | -6.3x | Net Cash |
| Q4 2025 | -7.3x | Net Cash |
| Q3 2025 | -7.8x | Net Cash |
| Q2 2025 | -6.1x | Net Cash |
| Q1 2025 | -6.3x | Net Cash |
| Q4 2024 | -5.0x | Net Cash |
OVLY has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like OVLY.
OVLY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 56.3 | Neutral |
| Stochastic | 56.6 | Neutral |
OVLY's weekly RSI is 56 (neutral) and its Stochastic is 57 (neutral).
OVLY PE vs Financial Services Sector
| Metric | OVLY | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 4.5% below |
| PE % | 96 | 63 | 33 pts above |
OVLY is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
OVLY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $34.1 | 1.3% above |
| 20 week MA | $34.0 | 1.6% above |
| 50 week MA | $33.1 | 4.5% above |
| 100 week MA | $30.0 | 15% above |
| 200 week MA | $27.9 | 24% above |
OVLY is in an uptrend: it's above all five of its weekly moving averages, and 24% above its 200-week average.
OVLY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $19.6 | $17.4 | -11% |
| 2021 | $17.4 | $17.3 | -0.9% |
| 2022 | $17.3 | $21.7 | +26% |
| 2023 | $21.7 | $30.0 | +38% |
| 2024 | $30.0 | $29.7 | -0.8% |
| 2025 | $29.7 | $30.0 | +1.1% |
| 2026 YTD | $30.0 | $34.6 | +15% |
OVLY has finished lower in three of the last six years. It's up 15% so far in 2026.