OVLY
ACHAT TOTAL: 2 365 titres (~77 483,75 $ US) VENTE TOTALE: 750 titres (~25 046,25 $ US)
- Insiders
- Leonard Daniel J, Barton Don, HOLDER H RANDOLPH JR, Strong Gary
- Total bought
- $77,484
- Total sold
- $25,046
- Last activity
- 2026-08-28
- Last synced
-
2026-09-03 09:53:14
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Bearish signal Scored 2026-08-02
OVLY presents a structurally compromised liquidity profile (current/quick ratio of 0.23, negative working capital) that critically undermines its otherwise healthy profitability margins, yielding a blended financial…
The first sentence of the analysis written for OVLY on 2026-08-02 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 99.0% | 87.4% | 93.3% | 100.3% | 99.4% | |
| Ebit Margin | 37.5% | 36.0% | 46.2% | 44.5% | 39.2% | |
| Ebitda Margin | 38.9% | 37.2% | 47.4% | 46.2% | 41.3% | |
| Operating Profit Margin | 37.5% | 36.0% | 46.2% | 44.5% | 39.2% | |
| Pretax Profit Margin | 37.5% | 36.0% | 46.2% | 44.5% | 39.2% | |
| Continuous Operations Profit Margin | 29.3% | 27.9% | 35.3% | 34.3% | 29.6% | |
| Net Profit Margin | 29.3% | 27.9% | 35.3% | 34.3% | 29.6% | |
| Bottom Line Profit Margin | 29.3% | 27.9% | 35.3% | 34.3% | 29.6% | |
| Current Ratio | 0.232 | 0.131 | 0.428 | 0.517 | 0.551 | |
| Quick Ratio | 0.232 | 0.131 | 0.428 | 0.517 | 0.551 | |
| Solvency Ratio | 0.014 | 0.015 | 0.019 | 0.013 | 0.010 | |
| Cash Ratio | 0.113 | 0.082 | 0.109 | 0.226 | 0.404 | |
| Price To Earnings Ratio | 10.366 | 9.622 | 7.965 | 8.089 | 8.657 | |
| Price To Earnings Growth Ratio | -2.251 | -0.502 | 0.232 | 0.206 | 0.441 | |
| Forward Price To Earnings Growth Ratio | -2.251 | -0.502 | 0.232 | 0.206 | 0.441 | |
| Price To Earnings Diluted Ratio | 10.438 | 9.685 | 7.987 | 8.118 | 8.700 | |
| Price To Earnings Diluted Growth Ratio | -2.252 | -0.498 | 0.232 | 0.206 | 0.457 | |
| Price To Book Ratio | 1.191 | 1.311 | 1.478 | 1.461 | 0.994 | |
| Price To Sales Ratio | 3.032 | 2.688 | 2.811 | 2.771 | 2.566 | |
| Price To Free Cash Flow Ratio | 10.090 | 10.077 | 7.875 | 8.560 | 13.884 | |
| Price To Operating Cash Flow Ratio | 8.644 | 9.378 | 7.423 | 8.113 | 12.670 | |
| Debt To Assets Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Debt To Equity Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Debt To Capital Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Long Term Debt To Capital Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Financial Leverage Ratio | 9.728 | 10.361 | 11.093 | 15.545 | 13.775 | |
| Working Capital Turnover Ratio | -0.057 | -0.074 | -0.095 | -0.078 | -0.062 | |
| Operating Cash Flow Ratio | 0.016 | 0.015 | 0.020 | 0.012 | 0.006 | |
| Operating Cash Flow Sales Ratio | 0.351 | 0.287 | 0.379 | 0.342 | 0.203 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.857 | 0.931 | 0.943 | 0.948 | 0.913 | |
| Debt Service Coverage Ratio | 1.883 | 2.025 | 6.568 | 21.495 | 18.001 | |
| Interest Coverage Ratio | 2.303 | 2.503 | 8.287 | 26.532 | 22.324 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Capital Expenditure Coverage Ratio | 6.978 | 14.410 | 17.455 | 19.165 | 11.438 | |
| Dividend Paid And Capex Coverage Ratio | 3.140 | 4.639 | 7.282 | 6.224 | 3.325 | |
| Dividend Payout Ratio | 0.210 | 0.150 | 0.086 | 0.108 | 0.146 | |
| Enterprise Value Multiple | 1.406 | 3.062 | 1.578 | -7.483 | -26.014 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 99.0% | ▲11.6% | ▲3.1% |
| Ebit Margin | 37.5% | ▲1.5% | ▼-3.2% |
| Ebitda Margin | 38.9% | ▲1.7% | ▼-3.3% |
| Operating Profit Margin | 37.5% | ▲1.5% | ▼-3.2% |
| Pretax Profit Margin | 37.5% | ▲1.5% | ▼-3.2% |
| Continuous Operations Profit Margin | 29.3% | ▲1.4% | ▼-2.0% |
| Net Profit Margin | 29.3% | ▲1.4% | ▼-2.0% |
| Bottom Line Profit Margin | 29.3% | ▲1.4% | ▼-2.0% |
| Current Ratio | 0.232 | ▲0.101 | ▼-0.140 |
| Quick Ratio | 0.232 | ▲0.101 | ▼-0.140 |
| Solvency Ratio | 0.014 | ▼-0.001 | ▼-0.000 |
| Cash Ratio | 0.113 | ▲0.032 | ▼-0.073 |
| Price To Earnings Ratio | 10.366 | ▲0.744 | ▲1.426 |
| Price To Earnings Growth Ratio | -2.251 | ▼-1.748 | ▼-1.876 |
| Forward Price To Earnings Growth Ratio | -2.251 | ▼-1.748 | ▼-1.876 |
| Price To Earnings Diluted Ratio | 10.438 | ▲0.752 | ▲1.452 |
| Price To Earnings Diluted Growth Ratio | -2.252 | ▼-1.754 | ▼-1.881 |
| Price To Book Ratio | 1.192 | ▼-0.119 | ▼-0.096 |
| Price To Sales Ratio | 3.032 | ▲0.344 | ▲0.258 |
| Price To Free Cash Flow Ratio | 10.090 | ▲0.013 | ▼-0.007 |
| Price To Operating Cash Flow Ratio | 8.644 | ▼-0.734 | ▼-0.602 |
| Debt To Assets Ratio | 0.000 | 0.000 | 0.000 |
| Debt To Equity Ratio | 0.000 | 0.000 | 0.000 |
| Debt To Capital Ratio | 0.000 | 0.000 | 0.000 |
| Long Term Debt To Capital Ratio | 0.000 | 0.000 | 0.000 |
| Financial Leverage Ratio | 9.728 | ▼-0.633 | ▼-2.373 |
| Working Capital Turnover Ratio | -0.057 | ▲0.017 | ▲0.016 |
| Operating Cash Flow Ratio | 0.016 | ▲0.001 | ▲0.002 |
| Operating Cash Flow Sales Ratio | 0.351 | ▲0.064 | ▲0.039 |
| Free Cash Flow Operating Cash Flow Ratio | 0.857 | ▼-0.074 | ▼-0.061 |
| Debt Service Coverage Ratio | 1.883 | ▼-0.142 | ▼-8.112 |
| Interest Coverage Ratio | 2.303 | ▼-0.200 | ▼-10.087 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Capital Expenditure Coverage Ratio | 6.978 | ▼-7.432 | ▼-6.911 |
| Dividend Paid And Capex Coverage Ratio | 3.140 | ▼-1.499 | ▼-1.782 |
| Dividend Payout Ratio | 0.210 | ▲0.060 | ▲0.070 |
| Enterprise Value Multiple | 1.406 | ▼-1.656 | ▲6.896 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $247.8M | $240.4M | $245.4M | $185.0M | $141.7M | |
| Enterprise value | $44.7M | $101.9M | $65.3M | -$230.8M | -$593.6M | |
| EV / Sales | 0.55x | 1.14x | 0.75x | -3.46x | -10.75x | |
| EV / Op. cash flow | 1.56x | 3.98x | 1.98x | -10.12x | -53.07x | |
| EV / Free cash flow | 1.82x | 4.27x | 2.10x | -10.68x | -58.15x | |
| EV / EBITDA | 1.41x | 3.06x | 1.58x | -7.48x | -26.01x | |
| Net debt / EBITDA | -6.39x | -4.16x | -4.35x | -13.48x | -32.23x | |
| Current ratio | 0.23x | 0.13x | 0.43x | 0.52x | 0.55x | |
| Income quality | 1.20x | 1.03x | 1.07x | 1.00x | 0.69x | |
| Graham number | $41 | $39 | $41 | $31 | $28 | |
| Graham net-net | -$170 | -$182 | -$119 | -$109 | -$101 | |
| Tax burden | 78.0% | 77.5% | 76.5% | 77.1% | 75.4% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$1.38B | -$1.47B | -$944.0M | -$889.0M | -$818.6M | |
| Invested capital | -$1.35B | -$1.45B | -$917.8M | -$862.4M | -$793.0M | |
| Return on assets | 1.2% | 1.3% | 1.7% | 1.2% | 0.8% | |
| Operating ROA | 1.6% | 1.7% | 2.1% | 1.5% | 1.2% | |
| Return on tangible assets | 1.2% | 1.3% | 1.7% | 1.2% | 0.8% | |
| Return on equity | 11.5% | 13.6% | 18.6% | 18.1% | 11.5% | |
| Return on invested capital | 10.4% | 12.2% | 16.1% | 18.1% | 11.5% | |
| Return on capital employed | 13.3% | 15.7% | 21.0% | 23.4% | 15.2% | |
| Earnings yield | 9.7% | 10.4% | 12.6% | 12.4% | 11.5% | |
| Free cash flow yield | 9.9% | 9.9% | 12.7% | 11.7% | 7.2% | |
| Capex / Op. cash flow | 14.3% | 6.9% | 5.7% | 5.2% | 8.7% | |
| Capex / Depreciation | 360.7% | 162.6% | 172.5% | 103.4% | 85.6% | |
| Capex / Sales | 5.0% | 2.0% | 2.2% | 1.8% | 1.8% | |
| SG&A / Sales | 37.7% | 32.0% | 29.9% | 34.5% | 36.6% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.1% | 0.9% | 0.6% | 0.9% | 1.1% | |
| Intangibles / Total assets | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | |
| Days sales outstanding | 16d | 35d | 35d | 43d | 27d | |
| Days payables outstanding | 0d | 0d | 0d | -43331d | 16186d | |
| Operating cycle | 16d | 35d | 35d | 43d | 27d | |
| Cash conversion cycle | 16d | 35d | 35d | 43374d | -16159d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+3.1%EV / Sales ▼-52.0%EV / EBITDA ▼-54.1%EV / Op. cash flow ▼-2.417Earnings yield ▼-0.007Graham number ▲+1.538
Profitability
Return on equity ▼-0.021Return on assets ▼-0.001Return on invested capital ▼-0.018Return on capital employed ▼-0.024Operating ROA ▼-0.002Income quality ▲+0.171Tax burden ▲+0.005
Efficiency
Days sales outstanding ▼-19.250Days payables outstanding n/aOperating cycle ▼-19.250Cash conversion cycle ▼-19.250Capex / Sales ▲+0.030R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.101Net debt / EBITDA ▼-2.229Working capital ▲+97080000.000Invested capital ▲+100307000.000Intangibles / Total assets -0.000
Change over 5 years
Valuation
Market cap ▲+74.8%EV / Sales ▲+105.1%EV / EBITDA ▲+105.4%EV / Op. cash flow ▲+54.626Earnings yield ▼-0.019Graham number ▲+12.470
Profitability
Return on equity +0.000Return on assets ▲+0.004Return on invested capital ▼-0.011Return on capital employed ▼-0.019Operating ROA ▲+0.003Income quality ▲+0.514Tax burden ▲+0.027
Efficiency
Days sales outstanding ▼-11.142Days payables outstanding ▼-16186.012Operating cycle ▼-11.142Cash conversion cycle ▲+16174.870Capex / Sales ▲+0.033R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.318Net debt / EBITDA ▲+25.836Working capital ▼-557884000.000Invested capital ▼-553888000.000Intangibles / Total assets -0.000
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
Recent news
- 2026-08-11 Contrasting Oak Valley Bancorp (NASDAQ:OVLY) and First Financial Bankshares (NASDAQ:FFIN) First Financial Bankshares (NASDAQ: FFIN - Get Free Report) and Oak Valley Bancorp (NASDAQ: OVLY - Get Free Report) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their dividends, risk, profitability, institutional ownership, analyst recommendations, earnings and valuation. Analyst Ratings This is a breakdown
- 2026-07-28 OVLY''s Q2 Earnings Decline Y/Y Due to Higher Operating Costs Oak Valley Bancorp posts a year-over-year decline in Q2 earnings per share as higher operating expenses and weaker non-interest income offset loan growth and a wider net interest margin.
- 2026-07-22 Oak Valley Bancorp Reports 2nd Quarter Results and Announces Cash Dividend OAKDALE, Calif., July 22, 2026 (GLOBE NEWSWIRE) -- Oak Valley Bancorp (NASDAQ: OVLY) (the "Company"), the bank holding company for Oak Valley Community Bank and their Eastern Sierra Community Bank division, recently reported unaudited consolidated financial results.
- 2026-07-13 Oak Valley Community Bank Announces Commercial Banking Officer Hiring OAKDALE, Calif., July 13, 2026 (GLOBE NEWSWIRE) -- Oak Valley Community Bank, a wholly-owned subsidiary of Oak Valley Bancorp (NASDAQ: OVLY), is pleased to announce that Joel Burns has joined the Bank as Vice President, Commercial Banking Officer. Based at the Bank''s Lodi Branch, located at 31 South School Street, Burns will serve commercial and agricultural clients throughout the Lodi market.
- 2026-06-05 Oak Valley Bancorp Gains 26% in a Year: Should You Buy the Stock? OVLY is aided by strong loan growth, expanding net interest income, solid credit quality, diversified revenue streams, and a robust capital position, supporting sustainable earnings growth.