Oak Valley Bancorp - Understand $ovly stock

$OVLY Market Cap: $260.5 Million

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Financial Snapshot

Revenue

$61.38M

TTM

Gross Margin

Net Earnings

$24.81M

TTM

Current Assets

Current Liabilities

$24.76M

Q3 2024

Current Ratio

Total Assets

$1.900B

Q3 2024

Total Liabilities

$1.715B

Q3 2024

Book Value

$185.4M

Q3 2024

Cash

$213.9M

Q3 2024

P/E

10.50

Nov 29, 2024 EST

Free Cash Flow

$18.95M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Revenue	$80.67M	$61.20M	$49.81M	$46.11M	$42.60M	$40.17M	$35.25M	$32.29M	$26.02M			$25.98M	$26.83M	$27.93M
YoY Change	31.82%	22.87%	8.02%	8.23%	6.04%	13.98%	9.15%	24.09%				-3.15%	-3.93%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2012	2011	2010
Revenue	$80.67M	$61.20M	$49.81M	$46.11M	$42.60M	$40.17M	$35.25M	$32.29M	$26.02M	$25.98M	$26.83M	$27.93M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$1.329M	$1.312M	$1.326M	$1.199M	$1.091M	$1.187M	$1.124M	$1.252M	$1.207M	$1.170M	$1.160M	$1.138M	$998.0K	$960.0K	$1.060M	$1.120M	$990.0K	$890.0K
YoY Change	1.3%	-1.06%	10.59%	9.9%	-8.09%	5.6%	-10.22%	3.73%	3.16%	0.86%	1.92%	14.04%	3.96%	-9.43%	-5.36%	13.13%	11.24%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2012	2011	2010
Interest Expense	$4.864M	$1.119M	$971.0K	$1.153M	$1.568M	$1.606M	$1.065M	$764.0K	$615.0K	$1.137M	$1.648M	$2.919M
YoY Change	334.67%	15.24%	-15.78%	-26.47%	-2.37%	50.8%	39.4%	24.23%		-30.99%	-43.54%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Pretax Income	$40.31M	$29.69M	$21.68M	$17.74M	$16.69M	$15.35M	$15.24M	$11.14M	$6.962M	$10.70M	$8.600M	$8.595M	$9.037M	$6.981M	$2.200M	$2.980M	$6.260M	$6.210M
YoY Change	35.76%	36.96%	22.17%	6.32%	8.74%	0.7%	36.83%	60.0%	-34.93%	24.42%	0.06%	-4.89%	29.46%	217.3%	-26.17%	-52.4%	0.81%
Income Tax	$9.458M	$6.787M	$5.340M	$4.056M	$4.200M	$3.810M	$6.147M	$3.474M	$2.054M	$3.570M	$2.710M	$2.814M	$3.176M	$2.353M	$200.0K	$820.0K	$2.340M	$2.480M
% Of Pretax Income	23.47%	22.86%	24.63%	22.86%	25.17%	24.83%	40.33%	31.19%	29.5%	33.36%	31.51%	32.74%	35.15%	33.71%	9.09%	27.52%	37.38%	39.94%
Net Earnings	$30.85M	$22.90M	$16.34M	$13.69M	$12.49M	$11.54M	$9.094M	$7.665M	$4.908M	$7.120M	$5.890M	$5.781M	$5.861M	$4.627M	$2.000M	$2.160M	$3.930M	$3.730M
YoY Change	34.7%	40.18%	19.36%	9.59%	8.25%	26.86%	18.64%	56.17%	-31.07%	20.88%	1.89%	-1.36%	26.65%	131.37%	-7.41%	-45.04%	5.36%
Net Earnings / Revenue	38.24%	37.42%	32.8%	29.68%	29.32%	28.72%	25.8%	23.74%	18.86%			22.25%	21.85%	16.57%
Basic Earnings Per Share	$3.76	$2.80	$2.01	$1.68	$1.54	$1.43	$1.13	$0.95	$0.61			$0.69	$0.61	$0.49
Diluted Earnings Per Share	$3.75	$2.79	$2.00	$1.68	$1.54	$1.42	$1.13	$0.95	$0.61	$891.1K	$750.3K	$0.69	$0.61	$0.49	$259.7K	$279.1K	$522.6K	$511.0K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$22.72M	$23.06M	$22.00M	$20.40M	$19.50M	$14.90M	$14.50M	$13.70M	$14.30M	$14.10M	$13.70M	$13.20M	$13.50M	$10.20M	$10.20M	$11.10M	$10.10M	$5.500M
YoY Change	-1.46%	4.8%	7.84%	4.62%	30.87%	2.76%	5.84%	-4.2%	1.42%	2.92%	3.79%	-2.22%	32.35%	0.0%	-8.11%	9.9%	83.64%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$13.68M	$14.58M	$4.400M	$4.700M	$5.100M	$5.500M	$300.0K	$300.0K	$400.0K	$500.0K	$500.0K	$600.0K	$600.0K	$700.0K	$800.0K	$800.0K	$300.0K	$0.00
YoY Change	-6.16%	231.41%	-6.38%	-7.84%	-7.27%	1733.33%	0.0%	-25.0%	-20.0%	0.0%	-16.67%	0.0%	-14.29%	-12.5%	0.0%	166.67%
Other Assets	$13.25M	$17.13M	$2.100M	$1.400M	$3.100M	$4.100M	$2.600M	$4.700M	$5.400M	$2.600M	$4.300M	$1.700M	$2.000M	$3.000M	$3.400M	$2.600M	$2.200M	$2.400M
YoY Change	-22.69%	715.9%	50.0%	-54.84%	-24.39%	57.69%	-44.68%	-12.96%	107.69%	-39.53%	152.94%	-15.0%	-33.33%	-11.76%	30.77%	18.18%	-8.33%
Total Long-Term Assets
YoY Change
Total Assets	$1.842B	$1.968B	$1.965B	$1.512B	$1.148B	$1.095B	$1.035B	$1.002B	$897.0M	$749.7M	$671.9M	$660.6M	$612.2M	$552.4M	$524.7M	$508.2M	$454.3M	$455.1M
YoY Change
Accounts Payable	$18.64M	$27.42M	$14.90M	$8.700M	$10.00M	$9.400M	$5.200M	$5.600M	$4.100M	$5.000M	$4.700M	$3.600M	$2.600M	$3.000M	$2.600M	$3.000M	$3.500M	$8.800M
YoY Change	-32.04%	84.05%	71.26%	-13.0%	6.38%	80.77%	-7.14%	36.59%	-18.0%	6.38%	30.56%	38.46%	-13.33%	15.38%	-13.33%	-14.29%	-60.23%
Accrued Expenses	$7.159M	$8.007M		$5.200M	$5.200M
YoY Change	-10.59%			0.0%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$25.80M	$27.42M	$14.90M	$13.90M	$15.20M	$9.400M	$5.200M	$5.600M	$4.100M	$5.000M	$4.700M	$3.600M	$2.600M	$3.000M	$2.600M	$3.000M	$3.500M	$8.800M
YoY Change	-5.93%	84.05%	7.19%	-8.55%	61.7%	80.77%	-7.14%	36.59%	-18.0%	6.38%	30.56%	38.46%	-13.33%	15.38%	-13.33%	-14.29%	-60.23%
Long-Term Debt	$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
YoY Change
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities	$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
YoY Change
Total Liabilities	$1.676B	$1.842B	$1.822B	$1.382B	$1.035B	$995.8M	$944.1M	$919.7M	$818.8M	$674.6M	$607.3M	$590.6M	$541.8M	$487.7M	$464.0M	$450.2M	$411.9M	$420.9M
YoY Change	-8.98%	1.09%	31.85%	33.48%	3.96%	5.48%	2.65%	12.32%	21.38%	11.08%	2.83%	9.01%	11.09%	5.11%	3.07%	9.3%	-2.14%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2012	2011
Basic Shares Outstanding	8.194M	8.169M	8.145M	8.123M	8.102M	8.081M	8.061M	8.047M	7.989M	7.741M shares	7.709M shares
Diluted Shares Outstanding	8.231M	8.205M	8.179M	8.139M	8.117M	8.100M	8.081M	8.083M	8.037M	7.767M shares	7.739M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $260.46 Million

About Oak Valley Bancorp

Oak Valley Bancorp is a bank holding company, which engages in the business of operating its subsidiary, Oak Valley Community Bank. The company is headquartered in Oakdale, California and currently employs 198 full-time employees. is a bank holding company of Oak Valley Community Bank (the Bank). The Bank offers a range of commercial banking services designed for both individuals and small to medium-sized businesses in the two areas, such as the Central Valley and the Eastern Sierras. The Bank offers a complement of business checking and savings accounts for its business customers. The Bank also offers commercial and real estate loans, as well as lines of credit. The company offers other services for both individuals and businesses, including online banking, remote deposit capture, mobile banking, merchant services, night depository, extended hours, wire transfer of funds, note collection, and automated teller machines in a national network. The company offers a variety of accounts for depositors, which are designed to attract both short-term and long-term deposits. These accounts include certificates of deposit, regular savings accounts, money market accounts, checking accounts, and savings accounts.

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