Oak Valley Bancorp

  • Market Cap: Micro Cap
  • Industry: Regional Banks
  • ISIN: US6718071052
USD
28.05
0.39 (1.41%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

5.56 k

Shareholding (Mar 2025)

FII

1.68%

Held by 22 FIIs

DII

83.05%

Held by 15 DIIs

Promoter

0.52%

How big is Oak Valley Bancorp?

22-Jun-2025

As of Jun 18, Oak Valley Bancorp has a market capitalization of 211.81 million and reported total assets of 1,904.02 million, with shareholder's funds at 183.44 million.

As of Jun 18, Oak Valley Bancorp has a market capitalization of 211.81 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the company reported a sum of interest earned for the latest four quarters amounting to 84.03 million and a net profit of 24.52 million.<BR><BR>As of Dec 24, the reporting period shows shareholder's funds at 183.44 million and total assets at 1,904.02 million.

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What does Oak Valley Bancorp do?

22-Jun-2025

Oak Valley Bancorp is a micro-cap bank holding company in the Regional Banks industry, with a market capitalization of approximately $211.81 million, reporting net sales of $21 million and a net profit of $5 million for Q1 2025. Key metrics include a P/E ratio of 9.00 and a return on equity of 13.36%.

Overview:<BR>Oak Valley Bancorp is a bank holding company operating in the Regional Banks industry with a micro-cap market capitalization.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 21 Million (Quarterly Results - Mar 2025)<BR>Most recent Net Profit: 5 Million (Quarterly Results - Mar 2025)<BR>Market-cap: USD 211.81 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 9.00<BR>Dividend Yield: 0.00%<BR>Debt Equity: 0.00<BR>Return on Equity: 13.36%<BR>Price to Book: 1.15<BR><BR>Contact Details:<BR>Address: 125 N 3rd Ave, OAKDALE CA: 95361-3039<BR>Tel: ['1 209 8447500', '1 209 8447578']

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Should I buy, sell or hold Oak Valley Bancorp?

22-Jun-2025

Who are in the management team of Oak Valley Bancorp?

22-Jun-2025

As of March 2022, the management team of Oak Valley Bancorp includes Independent Chairman Mr. Terrance Withrow, President and CEO Mr. Christopher Courtney, and several directors, including Mr. Thomas Haidlen, Mr. Donald Barton, Ms. Lynn Dickerson, Mr. James Gilbert, and Mr. H. Randolph Holder. They oversee the company's operations and strategic direction.

As of March 2022, the management team of Oak Valley Bancorp includes the following individuals:<BR><BR>- Mr. Terrance Withrow, who serves as the Independent Chairman of the Board.<BR>- Mr. Christopher Courtney, who is the President, Chief Executive Officer, and Director.<BR>- Mr. Thomas Haidlen, who is a Director.<BR>- Mr. Donald Barton, who is an Independent Director.<BR>- Ms. Lynn Dickerson, who is an Independent Director.<BR>- Mr. James Gilbert, who is an Independent Director.<BR>- Mr. H. Randolph Holder, who is an Independent Director.<BR><BR>This team is responsible for overseeing the company's operations and strategic direction.

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Is Oak Valley Bancorp overvalued or undervalued?

20-Sep-2025

As of July 7, 2025, Oak Valley Bancorp is fairly valued with a P/E ratio of 9, underperformed the S&P 500 year-to-date with a return of -3.76%, but has outperformed it over the past five years with a return of 118.22%.

As of 7 July 2025, the valuation grade for Oak Valley Bancorp has moved from expensive to fair. The company appears to be fairly valued based on its current metrics, with a P/E ratio of 9, a Price to Book Value of 1.22, and an EV to EBITDA of 0.47. In comparison to its peers, Orrstown Financial Services has a P/E of 10.63, while Unity Bancorp stands out with a P/E of 11.21, indicating that Oak Valley is competitively priced within its industry.<BR><BR>Despite the fair valuation, Oak Valley Bancorp has underperformed relative to the S&P 500 in the short term, with a year-to-date return of -3.76% compared to the S&P 500's 12.22%. However, over the past five years, Oak Valley has delivered a substantial return of 118.22%, outperforming the S&P 500's 96.61%. This suggests potential resilience and value in the long term despite recent challenges.

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Is Oak Valley Bancorp technically bullish or bearish?

20-Sep-2025

As of September 3, 2025, Oak Valley Bancorp shows a bullish technical trend supported by weekly MACD and moving averages, despite mixed signals from longer-term indicators and underperforming the S&P 500 year-to-date.

As of 3 September 2025, the technical trend for Oak Valley Bancorp has changed from mildly bullish to bullish. The weekly MACD is bullish, supporting the bullish stance, while the daily moving averages also indicate bullish momentum. However, the monthly MACD and KST are mildly bearish, suggesting some caution. The Bollinger Bands are mildly bullish on both weekly and monthly time frames, which adds to the positive outlook. <BR><BR>In terms of performance, Oak Valley Bancorp has underperformed the S&P 500 year-to-date, with a return of -3.76% compared to the S&P 500's 12.22%. However, over the longer term, the stock has outperformed the S&P 500 over the 5-year period, returning 118.22% versus the S&P 500's 96.61%. Overall, the current technical stance is bullish, but with mixed signals from longer-term indicators.

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iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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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

6

High Institutional Holdings at 36.01%

7

Below par performance in long term as well as near term

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Regional Banks

stock-summary
Market cap

USD 244 Million (Micro Cap)

stock-summary
P/E

9.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

13.03%

stock-summary
Price to Book

1.31

Revenue and Profits:
Net Sales:
21 Million
(Quarterly Results - Jun 2025)
Net Profit:
6 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-2.37%
0%
-2.37%
6 Months
11.09%
0%
11.09%
1 Year
-9.4%
0%
-9.4%
2 Years
7.43%
0%
7.43%
3 Years
42.68%
0%
42.68%
4 Years
62.14%
0%
62.14%
5 Years
63.08%
0%
63.08%

Oak Valley Bancorp for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
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
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
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

stock-summaryFinancial
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stock-summaryCompany CV
About Oak Valley Bancorp stock-summary
stock-summary
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.
Company Coordinates stock-summary
Company Details
125 N 3rd Ave , OAKDALE CA : 95361-3039
stock-summary
Tel: 1 209 84475001 209 8447578
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stock-summary
Registrar Details