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Complete financial analysis of Oak Valley Bancorp (OVLY) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Oak Valley Bancorp, a leading company in the Banks – Regional industry within the Financial Services sector.
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Oak Valley Bancorp (OVLY)
About Oak Valley Bancorp
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's deposits products include checking and savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. It also offers commercial real estate loans, commercial business lending and trade finance, and small business administration lending, as well as consumer loans consisting of automobile loans, home mortgage loans, revolving lines of credit, and other personal loans. In addition, the company provides online banking, remote deposit capture, mobile banking, merchant, night depository, extended hours, wire transfer of funds, and note collection services, as well as automated teller machines. As of December 31, 2021, it operated through seventeen full-service branch offices in Oakdale, Sonora, Bridgeport, Bishop, Mammoth Lakes, Modesto, Manteca, Patterson, Turlock, Tracy, Ripon, Stockton, Escalon, California, and Sacramento. The company was incorporated in 1990 and is headquartered in Oakdale, California.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 80.67M | 65.65M | 54.26M | 49.77M | 46.08M | 43.28M | 40.16M | 35.94M | 29.51M | 29.05M | 27.56M | 27.99M | 27.93M | 27.78M | 26.28M | 23.04M | 21.03M | 19.02M | 16.48M | 14.19M | 11.27M | 8.46M | 7.11M |
| Cost of Revenue | 6.76M | 6.84M | 6.27M | 5.86M | 5.78M | 5.31M | 5.06M | 5.22M | 5.98M | 4.42M | 3.97B | 3.68B | 3.19B | 2.98B | 3.18B | 3.25B | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 73.91M | 58.81M | 47.99M | 43.91M | 40.30M | 37.97M | 35.10M | 30.72M | 23.54M | 24.64M | -3.94B | -3.65B | -3.16B | -2.95B | -3.15B | -3.23B | 21.03M | 19.02M | 16.48M | 14.19M | 11.27M | 8.46M | 7.11M |
| Gross Profit Ratio | 91.62% | 89.58% | 88.44% | 88.22% | 87.46% | 87.72% | 87.41% | 85.47% | 79.75% | 84.80% | -14,311.56% | -13,030.23% | -11,325.54% | -10,637.94% | -11,987.76% | -14,011.14% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 26.11M | 23.05M | 20.21M | 17.97M | 17.40M | 16.29M | 14.11M | 13.56M | 11.72M | 11.12M | 9.98M | 10.01M | 10.34M | 9.40M | 9.67M | 9.31M | 8.59M | 7.58M | 5.80M | 4.92M | 4.16M | 3.09M | 2.42M |
| Selling & Marketing | 7.27M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 198.00K | 166.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 33.38M | 23.05M | 20.21M | 17.97M | 17.40M | 16.29M | 14.11M | 13.56M | 11.72M | 11.12M | 9.98M | 10.01M | 10.34M | 9.40M | 9.67M | 9.31M | 8.59M | 7.58M | 5.80M | 4.92M | 4.16M | 3.09M | 2.42M |
| Other Expenses | 0.00 | 6.84M | -52.79M | -50.00M | -46.79M | -44.76M | -32.90M | -32.38M | -27.68M | -24.41M | 3.94B | 3.65B | 3.16B | 2.96B | 3.15B | 3.23B | -10.31M | -9.00M | -9.57M | -10.18M | -8.30M | -4.76M | -2.14M |
| Operating Expenses | 33.38M | 6.84M | -32.58M | -32.03M | -29.39M | -26.33M | -18.79M | -18.82M | -15.96M | -13.29M | 3.95B | 3.66B | 3.17B | 2.96B | 3.16B | 3.24B | -1.72M | -1.42M | -3.76M | -5.27M | -4.15M | -1.67M | 283.95K |
| Cost & Expenses | 33.38M | 6.84M | -32.58M | -32.03M | -29.39M | -26.33M | 5.06M | 5.22M | 5.98M | 4.42M | 3.97B | 3.68B | 3.19B | 2.98B | 3.18B | 3.25B | -1.72M | -1.42M | -3.76M | -5.27M | -4.15M | -1.67M | 283.95K |
| Interest Income | 80.67M | 60.08M | 48.84M | 44.96M | 41.03M | 38.57M | 34.18M | 31.53M | 25.40M | 25.29M | 24.28M | 24.85M | 26.83M | 27.93M | 23.64M | 29.25M | 31.84M | 28.70M | 21.44M | 16.35M | 12.88M | 11.38M | 10.91M |
| Interest Expense | 4.86M | 1.12M | 971.00K | 1.15M | 1.57M | 1.61M | 1.07M | 764.00K | 615.00K | 647.00K | 827.75K | 1.14M | 1.65M | 2.92M | 5.64M | 8.73M | 13.01M | 11.36M | 6.28M | 3.61M | 3.35M | 3.95M | 4.66M |
| Depreciation & Amortization | 0.00 | 1.31M | 1.33M | 1.20M | 1.09M | 1.19M | 1.12M | 1.25M | 1.21M | 1.17M | 1.16M | 1.14M | 998.01K | 957.36K | 1.03M | 1.12M | 0.00 | 893.47K | 870.97K | 616.70K | 605.85K | 65.51K | 143.08K |
| EBITDA | 0.00 | 30.84M | 22.82M | 18.94M | 17.78M | 16.53M | 16.37M | 12.39M | 8.17M | 11.87M | 9.76M | 9.73M | 10.10M | 7.94M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Ratio | 0.00% | 48.68% | 42.39% | 38.06% | 38.59% | 41.91% | 43.41% | 36.60% | 29.76% | 43.08% | 38.41% | 38.83% | 41.83% | 39.09% | 33.78% | 55.70% | 91.82% | 97.25% | 82.45% | 67.22% | 68.59% | 80.99% | 106.01% |
| Operating Income | 40.31M | 30.81M | 21.68M | 17.74M | 16.69M | 16.95M | 16.31M | 11.90M | 7.58M | 11.34M | 9.42M | 9.73M | 10.68M | 9.90M | 7.84M | 11.72M | 19.31M | 17.61M | 12.71M | 8.92M | 7.13M | 6.79M | 7.39M |
| Operating Income Ratio | 49.97% | 46.93% | 39.95% | 35.65% | 36.22% | 39.17% | 40.61% | 33.12% | 25.67% | 39.04% | 34.20% | 34.77% | 38.26% | 35.64% | 29.84% | 50.86% | 91.82% | 92.55% | 77.16% | 62.88% | 63.21% | 80.22% | 103.99% |
| Total Other Income/Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -5.86M | -6.48M | 0.00 | -4.25M | -461.00K | 0.00 | -959.55K | 78.00 | 0.00 | 42.02K | -11.36M | -6.28M | -3.61M | -3.35M | -3.95M | -4.66M |
| Income Before Tax | 40.31M | 29.69M | 21.68M | 17.74M | 16.69M | 15.35M | 15.24M | 11.14M | 6.96M | 10.70M | 8.60M | 8.59M | 9.04M | 6.98M | 2.20M | 2.98M | 6.30M | 6.24M | 6.43M | 5.31M | 3.78M | 2.84M | 2.73M |
| Income Before Tax Ratio | 49.97% | 45.23% | 39.95% | 35.65% | 36.22% | 35.46% | 37.95% | 31.00% | 23.59% | 36.81% | 31.19% | 30.70% | 32.35% | 25.13% | 8.38% | 12.95% | 29.97% | 32.82% | 39.02% | 37.43% | 33.53% | 33.50% | 38.45% |
| Income Tax Expense | 9.46M | 6.79M | 5.34M | 4.06M | 4.20M | 3.81M | 6.15M | 3.47M | 2.05M | 3.57M | 2.71M | 2.81M | 3.18M | 2.35M | 203.00K | 822.05K | 2.33M | 2.41M | 2.50M | 2.06M | 1.46M | 1.04M | 1.08M |
| Net Income | 30.85M | 22.90M | 16.34M | 13.69M | 12.49M | 11.54M | 9.09M | 7.67M | 4.91M | 7.12M | 5.89M | 5.78M | 5.86M | 4.63M | 2.00M | 2.16M | 3.97M | 3.83M | 3.93M | 3.25M | 2.32M | 1.80M | 1.66M |
| Net Income Ratio | 38.24% | 34.89% | 30.11% | 27.50% | 27.10% | 26.66% | 22.65% | 21.33% | 16.63% | 24.51% | 21.36% | 20.65% | 20.98% | 16.66% | 7.61% | 9.38% | 18.87% | 20.14% | 23.88% | 22.92% | 20.56% | 21.23% | 23.33% |
| EPS | 3.75 | 2.80 | 2.01 | 1.68 | 1.54 | 1.43 | 1.13 | 0.95 | 0.61 | 0.90 | 0.75 | 0.69 | 0.61 | 0.49 | 0.15 | 0.27 | 0.53 | 0.54 | 0.57 | 0.49 | 0.41 | 0.32 | 0.31 |
| EPS Diluted | 3.75 | 2.79 | 2.00 | 1.68 | 1.54 | 1.42 | 1.13 | 0.95 | 0.61 | 0.89 | 0.74 | 0.69 | 0.61 | 0.49 | 0.15 | 0.27 | 0.52 | 0.52 | 0.54 | 0.47 | 0.40 | 0.32 | 0.30 |
| Weighted Avg Shares Out | 8.23M | 8.17M | 8.15M | 8.12M | 8.10M | 8.08M | 8.05M | 8.05M | 7.99M | 7.94M | 7.80M | 7.74M | 7.71M | 7.69M | 7.72M | 7.64M | 7.36M | 7.10M | 6.95M | 6.65M | 5.62M | 5.55M | 5.39M |
| Weighted Avg Shares Out (Dil) | 8.23M | 8.20M | 8.18M | 8.14M | 8.12M | 8.10M | 8.05M | 8.08M | 8.04M | 7.99M | 7.85M | 7.77M | 7.74M | 7.72M | 7.72M | 7.74M | 7.55M | 7.10M | 7.34M | 7.01M | 5.88M | 5.67M | 5.49M |
Oak Valley Community Bank Announces Branch Manager Hiring
OAKDALE, Calif., Oct. 04, 2021 (GLOBE NEWSWIRE) -- Oak Valley Community Bank, a wholly owned subsidiary of Oak Valley Bancorp (NASDAQ: OVLY), announced Shaun Smith has joined the bank as Assistant Vice President, Branch Manager. He will be based out...
Oak Valley Community Bank Announces Commercial Loan Officer Hiring
OAKDALE, Calif., Aug. 23, 2021 (GLOBE NEWSWIRE) -- Oak Valley Community Bank, a wholly owned subsidiary of Oak Valley Bancorp (NASDAQ: OVLY), announced that Mona Dmitrenko joined the bank as Vice President, Commercial Loan Officer. She is currently based out...
Oak Valley Bancorp Reports 2nd Quarter Results and Announces Cash Dividend
OAKDALE, Calif., July 21, 2021 (GLOBE NEWSWIRE) -- Oak Valley Bancorp (NASDAQ: OVLY) (the “Company”), the bank holding company for Oak Valley Community Bank and their Eastern Sierra Community Bank division, recently reported unaudited consolidated financial results. For the three...
Oak Valley Community Bank Ranks in the Top 200 Publicly Traded Banks by American Banker Magazine
OAKDALE, Calif., June 28, 2021 (GLOBE NEWSWIRE) -- Oak Valley Community Bank, a wholly owned subsidiary of Oak Valley Bancorp (NASDAQ: OVLY), is pleased to announce that it placed 85th on American Banker magazine's list of the Top 200 Publicly...
Oak Valley Bancorp Reports 1st Quarter Results
OAKDALE, Calif., April 22, 2021 (GLOBE NEWSWIRE) -- Oak Valley Bancorp (NASDAQ: OVLY) (the “Company”), the bank holding company for Oak Valley Community Bank and their Eastern Sierra Community Bank division, recently reported unaudited consolidated financial results for the first...
Oak Valley Bancorp Reports 4th Quarter Results and Announces Cash Dividend
OAKDALE, Calif., Jan. 21, 2021 (GLOBE NEWSWIRE) -- Oak Valley Bancorp (NASDAQ: OVLY) (the “Company”), the bank holding company for Oak Valley Community Bank and their Eastern Sierra Community Bank division (the “Bank”), recently reported unaudited consolidated financial results. For...
Oak Valley Community Bank – Commercial Banking Group Announces Senior Vice President Promotions
OAKDALE, Calif., Jan. 11, 2021 (GLOBE NEWSWIRE) -- Oak Valley Bancorp (NASDAQ: OVLY) (the “Company”), the bank holding company for Oak Valley Community Bank and their Eastern Sierra Community Bank division recently announced the promotions of Mike Garcia and Jeff...
Oak Valley Community Bank Announces Executive Vice President Promotions
OAKDALE, Calif., Jan. 04, 2021 (GLOBE NEWSWIRE) -- Oak Valley Bancorp (NASDAQ: OVLY), the bank holding company for Oak Valley Community Bank and their Eastern Sierra Community Bank division, recently announced the promotions of Julie DeHart to Executive Vice President,...
Oak Valley Bancorp and Oak Valley Community Bank Appoint New Director
OAKDALE, Calif., Dec. 16, 2020 (GLOBE NEWSWIRE) -- On December 15, 2020, Lynn Reeves Dickerson accepted her appointment to the Board of Directors of Oak Valley Bancorp (the “Company”) [NASDAQ: OVLY] and its wholly-owned subsidiary Oak Valley Community Bank (the...
Oak Valley Community Bank Announces Commercial Loan Officer Hiring
OAKDALE, Calif., Dec. 01, 2020 (GLOBE NEWSWIRE) -- Oak Valley Community Bank, a wholly-owned subsidiary of Oak Valley Bancorp (NASDAQ: OVLY), announced that Kim Parco has joined the bank as Vice President, Commercial Loan Officer. She is based out of...
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