7Baggers

Oak Valley Bancorp
(NASDAQ:OVLY) 

OVLY stock logo

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 Oakdale, California and surrounding areas. The company's deposits products include checking and savings, m...

Founded: 1990
Full Time Employees: 188
Sector: Financial Services
Industry: Banks-Regional
Financial Services
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At a glance:
Bull Thesis:
Bear Thesis:
Main Competitors:
Moat:
Income Statements:
Quarterly
Annual
    Unit: USD 
    Balance Sheets:
    Quarterly
    Annual
      Unit: USD 
      Cashflow Statements:
      Quarterly
      Annual
        Unit: USD2026-03-31 2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2009-06-30 
                     
          cash flows from operating activities:
        		             
          net income
        		5,309,000 6,335,000 6,693,000 5,588,000 5,297,000 6,008,000 7,324,000 9,225,000 9,475,000 6,800,000 4,258,000 2,369,000 385,247 
          adjustments to reconcile net income to net cash from operating activities:
        		             
          provision for credit losses
        		464,000             
          increase in deferred fees/costs
        		-114,000 109,000 -44,000 519,000 -204,000      78,000 -329,000  
          depreciation
        		391,000 387,000 334,000 328,000 331,000 341,000 324,000 340,000 324,000 321,000 334,000 333,000  
          amortization of investment securities
        		211,000 183,000 226,000 204,000 195,000 232,000 237,000 288,000 354,000 396,000 357,000 221,000  
          unrealized loss on equity securities
        		22,000   -5,000 -59,000 134,000 -141,000 -51,000      
          amortization of operating lease right-of-use asset
        		-59,000 -60,000 -63,000 -59,000 -59,000 -61,000 -59,000 -59,000      
          stock based compensation
        		252,000 238,000 231,000 234,000 201,000 198,000 201,000 145,000 146,000 154,000 164,000 158,000  
          loss on calls of available-for-sale securities
        		5,000             
          earnings on cash surrender value of life insurance
        		-304,000 -311,000 -299,000 -299,000 -288,000 -288,000 -287,000 -189,000 -190,000 -189,000 -188,000 -182,000  
          increase in deferred tax asset
        		-1,649,000   -1,485,000 -1,120,000         
          increase in interest payable and other liabilities
        		949,000 -404,000   1,315,000 -1,782,000 4,508,000 1,614,000 -365,000 821,000 254,000 165,000  
          decrease in interest receivable
        		406,000  -297,000 -441,000 352,000  265,000 702,000 -1,127,000 -284,000 -2,294,000 -167,000  
          decrease in other assets
        		2,174,000 -551,000 -2,992,000 2,324,000 2,007,000   636,000 1,153,000 125,000    
          net cash from operating activities
        		8,057,000 7,977,000 7,138,000 5,584,000 7,968,000 4,255,000 8,930,000 12,022,000 8,002,000 8,441,000 4,515,000 2,362,000 3,975,493 
          capital expenditures
        		0 0 0 0 0 0 0 0 0 0 0 0 0 
          free cash flows
        		8,057,000 7,977,000 7,138,000 5,584,000 7,968,000 4,255,000 8,930,000 12,022,000 8,002,000 8,441,000 4,515,000 2,362,000 3,975,493 
          cash flows from investing activities:
        		             
          purchases of available-for-sale securities
        		-29,671,000 -23,823,000     -31,247,000       
          purchases of equity securities
        		-32,000 -33,000 -30,000 -30,000 -29,000 -29,000 -28,000 -24,000 -22,000 -20,000 -16,000 -16,000  
          proceeds from maturities, calls, and principal paydowns of available-for-sale-securities
        		12,364,000      17,800,000       
          investment in lihtc
        		-204,000 -793,000 -2,032,000 -2,068,000 -1,174,000 -1,501,000 -2,162,000  -1,000 -956,000    
          net decrease in loans
        		-3,457,000    15,978,000   -10,981,000  -4,595,000 -48,841,000 1,298,000  
          purchase of boli policies
        		-2,000,000     0 0       
          purchases of premises and equipment
        		-212,000 -555,000 -790,000 -1,584,000 -1,179,000 -868,000 -183,000 -162,000 -433,000 -264,000 -358,000 -135,000  
          net cash from investing activities
        		-23,212,000 -41,033,000 -19,925,000 -13,672,000 17,425,000 -54,800,000 -18,944,000 -5,634,000    -102,412,000  
          cash flows from financing activities:
        		             
          shareholder cash dividends paid
        		-3,146,000 0 -2,515,000 0 -2,507,000 0 -1,881,000 -1,321,000 0 -1,238,000 0 -1,236,000  
          net increase in demand deposits and savings accounts
        		-19,919,000 8,387,000 61,444,000 -5,613,000 11,379,000 143,000   -18,126,000 -20,664,000 53,351,000 -6,906,000 29,076,007 
          net increase in time deposits
        		7,953,000 9,693,000 2,197,000 3,262,000 6,523,000 5,246,000 9,341,000  1,541,000 -956,000 -154,000 -755,000 12,616,284 
          tax withholding payments on vested restricted shares surrendered
        		-309,000 0 -44,000 0 -240,000 0 -51,000 -176,000 0 -13,000 -13,000 -95,000  
          net cash from financing activities
        		-15,421,000       -46,618,000 -16,585,000 -22,871,000   16,300,748 
          net increase in cash and cash equivalents
        		-30,576,000 -14,976,000 48,295,000 -10,439,000 40,548,000    -15,427,000 -54,845,000 -169,320,000 -109,042,000 7,248,686 
          cash and cash equivalents, beginning of period
        		232,179,000 0 0 0 168,751,000 0 0 429,633,000 0 0 0 778,267,000 9,837,860 
          cash and cash equivalents, end of period
        		201,603,000 -14,976,000 48,295,000 -10,439,000 209,299,000 -45,156,000 33,607,000 389,403,000 -15,427,000 -54,845,000 -169,320,000 669,225,000 17,086,546 
          supplemental disclosures of cash flow information:
        		             
          cash paid during the period for:
        		             
          interest
        		3,365,000 3,385,000 3,320,000 3,274,000 3,301,000 3,613,000 3,501,000 448,000 345,000 291,000 242,000 241,000 1,637,974 
          operating leases
        		410,000 404,000 401,000 394,000 379,000 376,000 390,000 386,000      
          non-cash investing activities:
        		             
          change in unrealized loss on securities
        		-5,576,000   -5,022,000 -3,787,000         
          change in contributions payable to lihtc limited partner investment
        		 0 0 0 5,000,000    0 5,500,000    
          right-of-use asset obtained in exchange for new operating lease liability
        		-225,000 -1,122,000 -171,000 0 -634,000 0 -1,559,000 -444,000      
          provision for (reversal of) credit losses
        		             
          loss on sales and calls of available-for-sale securities
        		             
          decrease in deferred tax asset
        		 1,124,000    -3,773,000        
          gain on boli death benefit
        		 18,000            
          increase in interest receivable
        		             
          proceeds from the sale of available-for-sale securities
        		     0 0 42,934,000      
          net increase in loans
        		 -31,004,000 -2,923,000   -31,417,000 -3,124,000       
          purchase of fhlb stock
        		 0 0   0 0  0 0    
          proceeds from redemption of boli policies
        		 -22,000            
          federal funds advances
        		            7,655,000 
          federal funds payments
        		             
          net cash from in financing activities
        		 18,080,000 61,082,000 -2,351,000 15,155,000 5,389,000        
          income taxes
        		 1,570,000 805,000   2,550,000 0  2,500,000 559,000   1,014,000 
          change in unrealized gain on securities
        		 4,433,000    -11,589,000 11,360,000 10,790,000 15,357,000 -25,858,000 -24,646,000 -17,263,000  
          reversal of provision for credit losses
        		             
          unrealized gain on equity securities
        		             
          gain on sales and calls of available-for-sale securities
        		             
          proceeds from maturities, calls, and principal paydowns of available-for-sale securities
        		       3,259,000      
          decrease in interest payable and other liabilities
        		             
          gain on sales and calls of available for sale securities
        		             
          purchases of available for sale securities
        		       -40,660,000 -23,881,000 -46,714,000 -180,471,000 -107,779,000  
          proceeds from maturities, calls, and principal paydowns of securities available for sale
        		    3,829,000    20,996,000 12,134,000 3,208,000 4,220,000 3,971,251 
          (reversal of) provision for credit losses
        		       -460,000      
          net decrease in cash and cash equivalents
        		     -45,156,000 33,607,000 -40,230,000      
          decrease in deferred fees/costs
        		      112,000 -26,000 -43,000     
          increase in other assets
        		           -206,000  
          gain on sales and calls of available- for- sale securities
        		             
          net decrease in demand deposits and savings accounts
        		       -41,154,000      
          redemption of fhlb stock
        		             
          gain on sales of available for sale securities
        		       -143,000      
          net decrease in time deposits
        		       -3,967,000      
          (reversal of) provision for loan losses
        		             
          gain on calls and sale of available for sale securities
        		             
          net cash (used in) from investing activities
        		        -6,844,000 -40,415,000    
          provision for loan losses
        		            4,037,012 
          gain on calls of available for sale securities
        		             
          lease right-of-use assets
        		         290,000 288,000 287,000  
          non-cash financing activities:
        		             
          present value of lease obligations
        		         -307,000 -303,000 -297,000  
          net cash (used in) from financing activities
        		           -8,992,000  
          adjustments to reconcile net earnings to net cash from operating activities:
        		             
          amortization and accretion
        		             
          stock-based compensation expense
        		            40,200 
          oreo write downs and losses on sale
        		            909,189 
          gain on called available for sale securities
        		             
          earnings from boli cash surrender value
        		             
          decrease (increase) in accrued interest payable and other liabilities
        		             
          decrease in accrued interest receivable
        		            69,392 
          decrease (increase) in other assets
        		             
          proceeds from sale of oreo
        		            209,467 
          net purchases of premises and equipment
        		             
          fhlb advanced funds
        		            43,700,000 
          fhlb payments
        		             
          preferred stock dividend payment
        		             
          proceeds from sale of common stock and exercise of stock options
        		             
          cash paid during the year for:
        		             
          real estate acquired through foreclosure
        		            1,186,263 
          change in unrealized gain/loss on available-for-sale securities
        		             
          accretion of preferred stock
        		            83,324 
          depreciation, amortization and accretion
        		            520,294 
          excess tax benefits from stock-based payment arrangements
        		             
          loss on sale of premises and equipment
        		             
          decrease in accrued interest payable and other liabilities
        		             
          net change in unrealized gain/loss on available-for-sale securities
        		            1,171,751 
          tax benefit from stock options exercised
        		             
          cumulative effect of adopting eitf 06-04
        		             
          net earnings
        		             
          (increase) decrease in accrued interest receivable
        		             
          purchases of securities available for sale
        		             
          proceeds from sales of premises and equipment
        		             
          proceeds from sale of preferred stock
        		             
          dividends paid
        		             
          net change in unrealized gain on available-for-sale securities