Is Oak Valley Bancorp (OVLY) Overvalued?
We dive into why Oak Valley Bancorp (OVLY) could be considered overvalued on 2026-08-18, based on AAII’s Value Score and Grade.Michael Rose
A+ Stock Grade Summary:
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COMPANY SUMMARY
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.
Commentary & Analysis
4 Undervalued Banks Stocks for Friday, May 15
Discover the top 4 undervalued Banks stocks for Friday, May 15 based on AAII’s Stock Grades.Michael Rose
Is Oak Valley Bancorp(OVLY) Building Momentum?
With data as of June 27, 2025, we examine if Oak Valley Bancorp(OVLY) is consistently building momentum based on AAII's A+ Investor Momentum and Value Scores and Grades.Omar Beirat
Why Oak Valley Bancorp’s (OVLY) Stock Is Up 5.95%
As of Tuesday, May 27, Oak Valley Bancorp’s OVLY share price has surged by 5.95%, which has investors questioning if this is right time to sell.Jenna Brashear
Why Oak Valley Bancorp’s (OVLY) Stock Is Down 5.11%
As of Monday, May 05, Oak Valley Bancorp’s OVLY share price has dipped by 5.11%, which has investors questioning if this is right time to buy.Jenna Brashear
Financial Summary
| Share Statistics | OVLY | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $286.2 | $745.4 | 30% |
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| Shares Out (Mil) | 8.3 | 15.3 | 18% |
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| Institutional Ownership | 72.1% | 83.2% | 43% |
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| Float (Mil) | 7.1 | 21.8 | 15% |
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| Beta | na | 0.42 | na |
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| Avg Daily Volume (000s) | 31 | 45 | 23% |
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| Price Change (52-week) |
24.2% | 94.6% | 64% |
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| Growth | OVLY | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 11.2% | 7.7% | 62% |
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| Net Income (5yr) | 11.8% | 11.1% | 58% |
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| EPS (5yr) | 11.4% | 10.1% | 49 |
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| Dividends (5yr) | 18.8% | 3.6% | 74% |
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| Cash Flow (5yr) | (4.6%) | (17.1%) | 61% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | OVLY | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $83 | $196 | 24% |
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| Net Income (TTM) (Mil) | $24 | $55 | 50% |
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| EPS (TTM) | $2.840 | $2.600 | 77% |
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| Operating Cash Flow (TTM) (Mil) | $26 | $35 | 43% |
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| Net Cash Flow (TTM) (Mil) | ($4) | $2 | 35% |
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| Long-Term Debt (Q1) (Mil) | $6 | $100 | 26% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | OVLY | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.32 | 1.25 | 33% |
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| P/E | 12.3 | 12.4 | 26% |
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| Dividend Yield | 2.2% | 2.2% | 78% |
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| PEG (5yr hist) | 1.1 | 1.1 | 47% |
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| Ratios | OVLY | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 28.2% | 29.1% | 87% |
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| ROA | 1.2% | 1.1% | 49% |
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| ROE | 11.6% | 11.3% | 62% |
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| Liabilities to Assets | 89.2% | 89.7% | 84% |
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| F-Score | 4 | 4 | 33% |
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Passing Stock Screens
As of 8/21/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
