Oak Valley Bancorp (OVLY) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Oak Valley Bancorp stock (OVLY) is currently trading at $32.03. Oak Valley Bancorp PE ratio is 10.29. Oak Valley Bancorp PS ratio (Price-to-Sales) is 3.28. WallStSmart rates OVLY as Underperform.
- OVLY PE ratio analysis and historical PE chart
- OVLY PS ratio (Price-to-Sales) history and trend
- OVLY intrinsic value — DCF, Graham Number, EPV models
- OVLY stock price prediction 2025 2026 2027 2028 2029 2030
- OVLY fair value vs current price
- OVLY insider transactions and insider buying
- Is OVLY undervalued or overvalued?
- Oak Valley Bancorp financial analysis — revenue, earnings, cash flow
- OVLY Piotroski F-Score and Altman Z-Score
- OVLY analyst price target and Smart Rating
Oak Valley Bancorp
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OVLY Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Oak Valley Bancorp (OVLY)
OVLY trades 72% above its Graham fair value of $19.31, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Oak Valley Bancorp (OVLY) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around market cap and revenue growth. Fundamentals are solid but monitor weak areas for improvement.
Oak Valley Bancorp (OVLY) Key Strengths (3)
Keeps $40 of every $100 in revenue after operating costs
Keeps $30 of every $100 in revenue as net profit
Trading at 1.24x book value, attractively priced
Supporting Valuation Data
Oak Valley Bancorp (OVLY) Areas to Watch (6)
Earnings declining -9.00%, profits shrinking
Revenue growing slowly at 0.50% annually
Micro-cap company with very limited liquidity and high volatility
Moderate profitability with room for improvement
Revenue is fairly priced at 3.28x sales
Moderate institutional interest at 31.30%
Oak Valley Bancorp (OVLY) Detailed Analysis Report
Overall Assessment
This company scores 51/100 in our Smart Analysis, earning a C- grade. Out of 9 metrics analyzed, 3 register as strengths (avg 9.3/10) while 6 fall into concern territory (avg 3.7/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.24) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 40.20%, Profit Margin at 29.60%.
The Bear Case
The primary concerns are EPS Growth, Revenue Growth, Market Cap. Some valuation metrics including Price/Sales (3.28) suggest expensive pricing. Growth concerns include Revenue Growth at 0.50%, EPS Growth at -9.00%, which may limit upside. Profitability pressure is visible in Return on Equity at 13.50%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 13.50% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 0.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (EPS Growth, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
OVLY Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
OVLY's Price-to-Sales ratio of 3.28x sits near its historical average of 3.31x (14th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 3% below its historical high of 3.37x set in Mar 2026, and 1% above its historical low of 3.24x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Oak Valley Bancorp (OVLY) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Oak Valley Bancorp is a strong growth company balancing expansion with improving profitability. Revenue reached 80M with 50% growth year-over-year. Profit margins are strong at 29.6%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 50% YoY, reaching 80M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 1350.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Oak Valley Bancorp maintain 50%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Oak Valley Bancorp.
Bottom Line
Oak Valley Bancorp offers an attractive blend of growth (50% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Oak Valley Bancorp(OVLY)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Oak Valley Bancorp is the banking holding company for Oak Valley Community Bank providing a range of commercial banking services to individuals and small and medium-sized businesses in Oakdale, California and surrounding areas. The company is headquartered in Oakdale, California.