OVLY

Oak Valley Bancorp

Financial Services · $285M market cap

Verdict

Share price

$34.09

close of Oct 3, 2026

Fair value

$73.69

Sticker Price

Payback Price

$29.48

buy price

Undervalued

OVLY is Undervalued: at $34.09 it trades 54% below its fair value of $73.69. Its buy price (Payback Price) is $29.48, 14% below today's price. Business quality is mixed: 2 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

2 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth13.6% a year✓
Equity per share growth7.6% a year✗
Sales growth6.3% a year✗
Free cash flow growth9.0% a year✗
Return on invested capital12.9%✓

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Insider activity

Since May 20, 2026: 9 open-market purchases worth $122K, 3 sales worth $38K and 2 other filings (stock awards, tax withholding and similar). Why purchases matter

Purchases

Sales

Other filings

About Oak Valley Bancorp

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…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works