profit from every $100 of sales.
$0$100
Oak Valley Bancorp
$34.57-0.14% today
+20.6% in 1 year
1-year low $27.541-year high $35.29
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $12.17 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Oak Valley Bancorp sold, what it kept, and what it did with the cash.
Sales went from $65.6 million in 2022 to $81.7 million in 2025, with $23.9 million of profit last year.
SalesProfit
Oak Valley Bancorp handed back 20% of the cash it generated last year.
$5M
Free cash flow 2025$25M
Bought back its own shares–
Paid as dividends$5M
Oak Valley Bancorp vs. similar companies
Oak Valley Bancorp grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Oak Valley Bancorp | 12.2× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Oak Valley Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 66 | 82 | 77 | 82 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 23 | 31 | 25 | 24 | |
| 2.79 | 3.75 | 3.02 | 2.88 | |
| – | – | – | – | |
| – | – | – | – | |
| 34.9% | 37.4% | 32.6% | 29.3% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,968 | 1,842 | 1,901 | 2,023 |
| Cash | 416 | 180 | 138 | 203 |
| Total debt | – | – | – | – |
| Total liabilities | 1,842 | 1,676 | 1,717 | 1,815 |
| 127 | 166 | 183 | 208 | |
| 8 | 8 | 8 | 8 | |
| – | – | – | – | |
| 18.1% | 18.6% | 13.6% | 11.5% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 23 | 33 | 26 | 29 | |
| 1 | 2 | 2 | 4 | |
| 22 | 31 | 24 | 25 | |
| Dividends paid | 2 | 3 | 4 | 5 |
| – | – | – | – | |
| 1 | 1 | 1 | 1 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 12.2×
- –
- 11.44
- 1.3×
- 3.6×
- 8.2%
- 2.0%
Profitability
- 29.3%
- 1.2%
- 14.6%
- 12.0%
- 1.2%
Growth
- +7.6%
- +1.1%
- +16.5%
- +0.3%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 30%of 827
Top 25%of 709
Top 39%of 876
Bottom 49%of 879
Top 34%of 926
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 22, 2026 | 0.64 | – | – |
| Jan 23, 2026 | 0.76 | – | – |
| Oct 22, 2025 | 0.81 | – | – |
| Jul 18, 2025 | 0.67 | – | – |
| Apr 18, 2025 | 0.64 | – | – |
| Jan 24, 2025 | 0.73 | – | – |
| Oct 18, 2024 | 0.89 | – | – |
| Jul 18, 2024 | 0.71 | – | – |
2.0%of the share price, paid each year
On $1,000 invested$20a year at today's yield, before tax
+16.5%2020 to 2025
Raised10 yearsin a row, in our data
Paid per share, each year
$0.21 in 2015 → $0.60 in 2025
How safe it looks
21.0% of its profit
Room to growStretchedMore than it earns: 20.4%
News
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Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
5/7Passes 5 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
70Pass
Benjamin Graham
74Pass
Philip Fisher
69Pass
Peter Lynch
28No pass
Joel Greenblatt
20No pass
Charlie Munger
69Pass
Terry Smith
63Pass
Questions about Oak Valley Bancorp
Is Oak Valley Bancorp a good stock to buy?
A strong, very profitable business, and the price looks low. 5 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Oak Valley Bancorp AI analysis
What does Oak Valley Bancorp do?
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. It is in Banks - Regional.
Does Oak Valley Bancorp pay a dividend?
Yes. At today's price the dividend is 2.0% a year, about 21% of its yearly profit. In 2025 it paid out $5.02 million in dividends.
Is Oak Valley Bancorp stock halal?
No. Oak Valley Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Oak Valley Bancorp stock done over the past year?
Up 20.6% over the past twelve months, to $34.57. It traded between $27.54 and $35.29 and is 2.0% below its high.
Who are Oak Valley Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Oak Valley Bancorp's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.