US · OVLY
Oak Valley Bancorp
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Oakdale, CA 95361
- Website
- ovcb.com
Price · as of 2024-12-31
$33.52
Market cap 268.42M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $49.14 | +46.6% |
| Intrinsic Value(DCF) | $40.60 | +21.12% |
| Graham-Dodd Method(GD) | $30.25 | -9.74% |
| Graham Formula(GF) | $31.65 | -5.59% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $4.79 | $44.87 | $8.02 | $10.10 | $2.71 |
| 2011 | $5.41 | $40.00 | $7.28 | $11.45 | $3.56 |
| 2012 | $6.40 | $72.52 | $17.87 | $11.90 | $4.93 |
| 2013 | $7.74 | $76.19 | $23.85 | $11.92 | $4.26 |
| 2014 | $7.94 | $60.87 | $27.33 | $11.45 | $11.24 |
| 2015 | $8.10 | $106.64 | $28.59 | $9.27 | $5.82 |
| 2016 | $12.05 | $51.47 | $40.90 | $10.98 | $27.61 |
| 2017 | $18.44 | $71.95 | $86.09 | $12.75 | $22.59 |
| 2018 | $15.72 | $51.81 | $172.55 | $15.46 | $23.62 |
| 2019 | $14.14 | $56.09 | $69.36 | $17.50 | $21.67 |
| 2020 | $18.10 | $44.40 | $57.79 | $19.74 | $24.66 |
| 2021 | $17.44 | $67.01 | $65.53 | $22.74 | $32.42 |
| 2022 | $24.09 | $25.34 | $125.36 | $24.57 | $78.57 |
| 2023 | $23.31 | $39.41 | $486.62 | $33.84 | $141.52 |
| 2024 | $24.78 | $49.14 | $110.04 | $30.25 | $31.65 |
AI valuation
Our deep-learning model estimates Oak Valley Bancorp's (OVLY) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $49.14
- Current price
- $33.52
- AI upside
- +46.6%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$40.60
+21.12% upside
Graham-Dodd
$30.25
-9.74% upside
Graham Formula
$31.65
-5.59% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| OVLY | Oak Valley Bancorp | $33.52 | 268.42M | +47% | +21% | -10% | -6% | 8.16 | 1.11 | 2.28 | -0.30 | — | 1.13 | 87.43% | 35.99% | 27.89% | 14.28% | -8.88% | 1.33% | 0.00 | 2.50 | 0.13 | 0.13 | -4.16 | -1947.00% | 247.00% | -2345.00% | 11.71% | 0.02 | -8.49% | 1.84% | 15.00% | 1.92% | -0.31 | -0.41 | -0.11 | -0.63 |
| CFFI | C&F Financial Corporation | $72.82 | 235.81M | +359% | +82% | +68% | +121% | 8.96 | 0.92 | 1.30 | 10.74 | 23.62 | 0.92 | 69.46% | 17.77% | 14.42% | 11.05% | 9.11% | 1.01% | 0.43 | 0.73 | — | — | 3.43 | 3794.00% | 1178.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 10.74 | — | 1.91 | 0.16 |
| FDBC | Fidelity D & D Bancorp, I… | $43.85 | 252.9M | -29% | +30% | -38% | +122% | 11.68 | 1.19 | 1.94 | -5.25 | 90.87 | 1.32 | 63.50% | 19.10% | 16.63% | 10.57% | -12.75% | 0.82% | 0.08 | 0.53 | 0.19 | 0.19 | -2.25 | 1285.00% | 1962.00% | 951.00% | 10.25% | 0.01 | -15.26% | 3.64% | 42.60% | 40.13% | -6.49 | -6.22 | -1.24 | -0.66 |
| FSFG | First Savings Financial G… | $33.98 | 238.37M | -14% | -33% | -25% | -27% | 14.76 | 1.13 | 1.49 | 14.70 | 22.24 | 1.22 | 50.14% | 10.87% | 10.11% | 8.29% | 5.13% | 0.57% | 1.98 | 0.23 | 0.17 | 0.17 | 17.53 | 6639.00% | 458.00% | 20371.00% | 45.11% | 0.05 | 34.19% | 2.02% | 29.80% | 43.26% | 17.08 | 2.76 | 1.86 | -0.55 |
| FUNC | First United Corporation | $35.47 | 230.45M | +27% | -22% | -18% | +117% | 9.83 | 1.13 | 1.81 | 7.73 | 24.57 | 1.21 | 68.75% | 24.36% | 18.40% | 12.06% | 10.55% | 1.06% | 1.05 | 0.85 | 0.10 | 0.10 | 3.53 | 4000.00% | 1694.00% | -795.00% | 10.07% | 0.01 | 10.44% | 2.66% | 26.10% | 4.65% | 8.81 | 11.79 | 2.15 | -0.60 |
| FVCB | FVCBankcorp, Inc. | $15.44 | 279.08M | +354% | -1% | +30% | +35% | 12.68 | 1.10 | 2.29 | 4.94 | 26.67 | 1.14 | 53.93% | 23.15% | 18.07% | 9.02% | 24.85% | 0.98% | 0.07 | 0.52 | 0.14 | 0.14 | 0.46 | 4756.00% | 937.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 4.94 | — | 1.14 | -0.32 |
| HWBK | Hawthorn Bancshares, Inc. | $32.99 | 227.55M | +708% | +32% | +23% | +6% | 9.95 | 1.44 | 2.11 | 8.14 | 31.67 | 1.44 | 71.33% | 25.96% | 21.23% | 15.14% | 26.97% | 2.61% | 0.00 | 0.92 | — | — | 0.00 | 3142.00% | 220.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 34.07% | 8.14 | — | 2.11 | — |
| ISTR | Investar Holding Corporat… | $28.23 | 277.81M | +86% | -29% | -12% | +36% | 8.32 | 0.70 | 1.08 | 8.56 | 39.08 | 0.84 | 54.87% | 15.59% | 12.94% | 8.65% | 17.91% | 0.73% | 0.42 | 0.33 | 0.02 | 0.02 | 2.66 | 2130.00% | 1096.00% | -3874.00% | 9.15% | 0.01 | 13.64% | 2.36% | 19.60% | 2.54% | 9.65 | 15.27 | 1.50 | -0.82 |
| LCNB | LCNB Corp. | $16.99 | 241.03M | +415% | -14% | +25% | -31% | 10.55 | 0.89 | 1.96 | 3.96 | 15.50 | 1.40 | 72.26% | 22.66% | 18.61% | 8.77% | 10.99% | 1.02% | 0.43 | 0.87 | 0.55 | 0.55 | 3.55 | 6804.00% | -94.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 10.44% | 3.96 | — | 0.90 | 0.16 |
| TSBK | Timberland Bancorp, Inc. | $38.08 | 300.24M | -25% | -9% | -10% | +60% | 9.33 | 1.04 | 2.46 | 0.34 | 42.56 | 1.10 | 70.10% | 32.79% | 26.39% | 11.48% | 247.17% | 1.48% | 0.09 | 1.13 | 0.17 | 0.17 | -5.88 | 2193.00% | 881.00% | 3092.00% | 10.44% | 0.02 | 240.91% | 2.97% | 27.70% | 32.35% | 0.37 | 0.47 | 0.12 | -0.48 |
| WNEB | Western New England Banco… | $12.85 | 263.32M | +177% | -25% | -28% | -25% | 16.26 | 0.80 | 1.55 | 5.40 | — | 0.85 | 59.79% | 12.19% | 9.50% | 4.93% | 6.27% | 0.45% | 0.52 | 0.30 | 0.10 | 0.10 | 3.76 | -2000.00% | 957.00% | -756.00% | 5.79% | 0.01 | 5.90% | 3.12% | 50.70% | 41.22% | 6.34 | 8.65 | 0.77 | -0.74 |
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.
- CEO
- Christopher Courtney
- Employees
- 225
- Beta
- 0.24
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($40.60 ÷ $33.52) − 1 = +21.12% (DCF, example).