ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Oak Valley Bancorp ?
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
- INTEREST(9M) At USD 10.24 MM has Grown at 27.9%
5
With ROA of 0.69%, it has a fair valuation with a 1.22 Price to Book Value
- Over the past year, while the stock has generated a return of -9.71%, its profits have fallen by -10.4%
6
High Institutional Holdings at 36.01%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
7
Below par performance in long term as well as near term
- Along with generating -9.71% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Oak Valley Bancorp should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Oak Valley Bancorp for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Oak Valley Bancorp
-9.4%
0.65
32.95%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality 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
ValuationValuation 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%
TechnicalsTechnical 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
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at USD 0
NII(Q)
Highest at USD 18.15 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 44.48%
-2What is not working for the Company
INTEREST(9M)
At USD 10.24 MM has Grown at 27.9%
Here's what is working for Oak Valley Bancorp
NII
Highest at USD 18.15 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Dividend Payout Ratio
Highest at 44.48%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
CASA
Highest at 14.9%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Oak Valley Bancorp
Interest
At USD 10.24 MM has Grown at 27.9%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
