Oak Valley Bancorp (OVLY) Stock Score, Valuation & Financial Research
Oak Valley Bancorp is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 70/100.
Quick answer for OVLY
Oak Valley Bancorp currently has a Wall Street Score of 70/100. The stored market price is $34.44. Its financial score is 64/100. Its valuation score is 97/100. These figures are a research snapshot, not a buy or sell recommendation.
What Oak Valley Bancorp does
Oak Valley Bancorp, functioning as the parent entity for Oak Valley Community Bank, offers a comprehensive range of commercial banking services. These services are provided to both individual clients and small to mid-sized businesses, primarily operating within California's Central Valley and Eastern Sierras regions. The institution's financial products encompass various deposit options, including checking, savings, money market, health savings accounts (HSAs), individual retirement accounts (IRAs), and certificates of deposit (CDs). For its lending activities, the bank extends financing for commercial real estate, general business operations, trade activities, and also facilitates Small Business Administration (SBA) loans. On the consumer side, loan offerings include vehicle financing, home mortgages, revolving lines of credit, and diverse personal loan solutions. Beyond these core serv
OVLY financial snapshot
- Wall Street Score:
- 70/100
- Current price:
- $34.44
- Market capitalization:
- $289.8M
- Revenue:
- $87.2M
- Net income:
- $23.5M
- Free cash flow:
- $24.6M
- Cash:
- $155.6M
- Total debt:
- $0
- EPS:
- 2.90
- P/E ratio:
- 11.9x
- Financial score:
- 64/100
- Valuation score:
- 97/100
- Revenue score:
- 29/100
What stands out
- Reported year-over-year revenue growth is +0.1%.
- Free cash flow is $24.6M, showing positive cash generation.
- The balance sheet shows $155.6M of cash versus $0 of total debt, leaving more cash than debt.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 64/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research OVLY
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.