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Oak Valley Bancorp

OVLY

$35.77 ▲ +0.32 (+0.90%) at close

17 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

Oak Valley Bancorp shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $294.9M

Dividend Yield 1.68%

Revenue Growth 6.7% ↗

Op. Margin 37.5% ↘

ROIC None

FCF / Share None

Trailing P/E 12.3x

Price / Book 1.4x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$81.73M

↑ +6.7% —

Net Income Profit after all expenses

$23.91M

↓ -4.1% —

Operating Margin Operating profit as % of sales

37.5%

↓ -10.8% 92th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns →

Dividend History

Dividend / share · sourced from SEC filings

$0.60 Latest / share

+33.3% YoY

+12.7% 8-yr CAGR

FY 2014

FY 2015

FY 2016

FY 2017

$0.26

FY 2018

$0.27

FY 2019

$0.14

FY 2020

$0.29

FY 2021

$0.30

FY 2022

$0.32

FY 2023

$0.45

FY 2024

$0.60

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue Growth YoY (%)	6.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+12%)	-7.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-218%)	25.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+326%)	21.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+250%)	9.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+50%)	8.0% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+33%)	6.5% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+8%)	7.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+30%)	11.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+96%)	21.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+263%)	1.6% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-74%)	5.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-9%)	-1.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-126%)	0.2% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-96%)	0.6% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-91%)	—	—
EPS Growth YoY (%)	-4.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-19.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	34.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	39.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	19.6% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	9.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	7.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	26.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	18.9% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	55.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-32.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	20.0% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	8.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	13.1% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	24.5% Good Good Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-4.1% Weak ↓ Weak Declining Year-over-year change in net income	-19.1% Weak ↓ Weak Declining Year-over-year change in net income	34.7% Excellent ↑ Excellent Improving Year-over-year change in net income	40.2% Excellent ↑ Excellent Improving Year-over-year change in net income	19.4% Good ↑ Good Improving Year-over-year change in net income	9.6% Fair ↓ Fair Declining Year-over-year change in net income	8.3% Fair ↓ Fair Declining Year-over-year change in net income	26.9% Excellent ↑ Excellent Improving Year-over-year change in net income	18.6% Good ↑ Good Improving Year-over-year change in net income	56.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-31.1% Weak ↓ Weak Declining Year-over-year change in net income	21.0% Good ↑ Good Improving Year-over-year change in net income	1.8% Caution ↓ Caution Declining Year-over-year change in net income	-1.4% Weak Weak Year-over-year change in net income	26.6% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	7.6% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	12.2% Good ↓ Good Declining Compound annual revenue growth over 3 years	18.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	12.5% Good ↑ Good Improving Compound annual revenue growth over 3 years	7.8% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	7.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	8.6% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	13.6% Good ↑ Good Improving Compound annual revenue growth over 3 years	11.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	9.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	1.8% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	1.3% Weak Weak Compound annual revenue growth over 3 years	-0.3% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	10.4% Good ↓ Good Declining Compound annual revenue growth over 5 years	10.7% Good → Good Stable Compound annual revenue growth over 5 years	13.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	10.3% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.6% Good ↓ Good Declining Compound annual revenue growth over 5 years	11.0% Good ↑ Good Improving Compound annual revenue growth over 5 years	9.7% Good ↑ Good Improving Compound annual revenue growth over 5 years	9.4% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.2% Fair Fair Compound annual revenue growth over 5 years	1.2% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	1.2% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	14.8% Good ↓ Good Declining Compound annual EPS growth over 3 years	30.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	22.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	12.0% Good ↓ Good Declining Compound annual EPS growth over 3 years	14.1% Good ↓ Good Declining Compound annual EPS growth over 3 years	17.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	32.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	7.9% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	8.2% Fair → Fair Stable Compound annual EPS growth over 3 years	-4.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	13.8% Good Good Compound annual EPS growth over 3 years	15.2% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Operating Margin (%) (%)	37.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	42.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+68%)	48.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+96%)	45.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+81%)	39.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+60%)	35.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	22.0% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.5% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.5% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.6% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.9% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	29.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	32.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	37.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+70%)	34.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	30.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	27.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	27.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	26.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	22.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	16.6% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	24.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	21.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	21.0% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	16.7% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	11.5% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	13.6% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+13%)	18.6% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+55%)	18.1% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+51%)	11.5% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.6% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	11.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	11.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	9.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	6.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	9.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	9.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	8.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	8.3% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	7.2% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue per Share (USD)	$9.91	$9.32	$10.06	$8.04	$6.66	$6.13	$5.69	$5.36	$4.98	$4.47	$3.69	$3.66	$3.53	$3.62	$3.62	—	—
Basic EPS, GAAP (USD)	$2.90	$3.04	$3.76	$2.80	$2.01	$1.68	$1.54	$1.43	$1.13	$0.95	$0.61	$0.90	$0.75	$0.69	$0.61	$0.49	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.60	$0.45	$0.32	$0.30	$0.29	$0.14	$0.27	$0.26	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$24.79	$21.95	$20.03	$15.33	$17.31	$15.78	$13.71	$12.09	$11.21	$10.19	$9.69	$9.29	$8.14	$8.85	$9.12	$8.39	—
Tangible Book Value per Share (USD)	$24.40	$21.55	$19.63	$14.93	$16.91	$15.38	$13.31	$12.09	$10.80	$9.78	$9.28	$9.29	$8.14	$8.85	$9.12	$8.39	—
Basic Weighted Avg Shares (shares)	8.24M	8.22M	8.19M	8.17M	8.15M	8.12M	8.10M	8.08M	8.06M	8.05M	7.99M	7.94M	7.80M	7.74M	7.71M	—	—
Dividend Payout Ratio (%)	20.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	14.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	8.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	10.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	14.4% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	8.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	17.5% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	18.2% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$207.97M	$183.44M	$166.09M	$126.63M	$142.61M	$129.69M	$112.57M	$99.04M	$90.77M	$82.45M	$78.26M	$75.04M	$64.52M	$69.97M	$70.40M	$64.66M	$60.69M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$81.73M	$76.59M	$82.43M	$65.65M	$54.26M	$49.77M	$46.08M	$43.28M	$40.16M	$35.94M	$29.51M	$29.05M	$27.56M	$27.99M	$27.93M	$27.78M	—
Depreciation Expense (USD)	$1.38M	$1.32M	$1.33M	$1.31M	$1.33M	$1.20M	$1.09M	$1.19M	$1.12M	$1.25M	$1.21M	$1.17M	$1.16M	$1.14M	$998.01K	—	—
Net Income, GAAP (USD)	$23.91M	$24.95M	$30.85M	$22.90M	$16.34M	$13.69M	$12.49M	$11.54M	$9.09M	$7.67M	$4.91M	$7.12M	$5.89M	$5.78M	$5.86M	$4.63M	—
Operating Cash Flow (USD)	$28.67M	$25.64M	$33.06M	$22.81M	$11.19M	$19.24M	$17.21M	$14.44M	$9.40M	$9.91M	—	—	—	—	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Net Interest Margin (approx.) (%)	3.7%	3.7%	4.1%	3.1%	2.5%	3.0%	3.6%	3.5%	3.3%	3.1%	2.8%	3.4%	3.6%	3.8%	4.1%	4.5%	—
Efficiency Ratio (%) (%)	61.5%	60.1%	49.9%	56.8%	61.2%	60.0%	62.6%	63.3%	61.2%	67.7%	76.8%	69.6%	67.7%	65.2%	62.3%	60.4%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 17 years · 67 quarters

Oak Valley Bancorp

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17-Year Financial Trajectory

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