Dashboard
1
High Profitability with a Net Interest Margin of 10.84%
2
Strong Long Term Fundamental Strength with a 15.64% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 15.64%
4
Flat results in Jun 25
5
With ROA of 0.69%, it has a fair valuation with a 1.22 Price to Book Value
Total Returns (Price + Dividend) 
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
9.47%
0%
9.47%
6 Months
21.1%
0%
21.1%
1 Year
11.41%
0%
11.41%
2 Years
6.99%
0%
6.99%
3 Years
50.05%
0%
50.05%
4 Years
77.29%
0%
77.29%
5 Years
76.28%
0%
76.28%
Oak Valley Bancorp for the last several years.
Risk Adjusted Returns v/s 
News
No Recent News for the Company
Announcements 
No announcement available
Corporate Actions 
No corporate action available
Quality key factors 
Factor
Value
Sales Growth (5y)
14.35%
EBIT Growth (5y)
13.95%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
14.90%
Pledged Shares
0
Institutional Holding
36.01%
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.22
EV to EBIT
0.49
EV to EBITDA
0.47
EV to Capital Employed
-0.58
EV to Sales
0.18
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
13.36%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Shareholding Snapshot : Mar 2025
Shareholding Compare (%holding) 
Majority shareholders
Domestic Funds
Domestic Funds
Held in 21 Schemes (14.74%)
Foreign Institutions
Held by 22 Foreign Institutions (1.68%)
Strategic Entities with highest holding
Highest Public shareholder
About Oak Valley Bancorp 
Oak Valley Bancorp
Regional Banks
Oak Valley Bancorp is a bank holding company. The Company operates through its subsidiary, Oak Valley Community Bank (the Bank). The Bank operates in two primary business segments: Retail Banking and Commercial Banking. The Retail Banking segment offers a range of checking and savings accounts, including Negotiable Order of Withdrawal accounts, money market accounts, overdraft protection, health savings accounts, certificates of deposit and Individual Retirement Accounts. The Retail Banking segment also offers real estate and home equity financing, as well as consumer, automobile and home improvement loans. The Commercial Banking segment offers a range of deposit and lending services to business customers. The Commercial Banking segment also offers various commercial loans for business, professional or agricultural needs. The commercial loans include loans for short-term working capital, operating lines of credit, equipment purchases and leasehold improvements, among others.






