Oak Valley Bancorp (OVLY) Financial Statements & Analysis

Oak Valley Bancorp (OVLY) Income Statement

Oak Valley Bancorp reported revenue of $81.73M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 4.5% from $78.21M a year earlier. Net income was $23.91M, down 4.1% year over year, a net margin of 29.3%. Gross margin was 99.0% and operating margin 37.5%. In the most recent quarter, Q3 fiscal 2026 (ended Sep 30, 2026), revenue was $21.61M, up 2.1% from the same quarter a year earlier.

Oak Valley Bancorp Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

Scale:

Scroll to see more

Oak Valley Bancorp income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	81.73	78.21	82.43	65.65	54.90	50.93	47.65	44.89	41.22
Cost of Revenue	0.81	11.24	5.83	-0.23	0.34	3.32	2.11	2.16	1.42
Gross Profit	80.92	78.21	81.46	67.00	54.90	47.61	45.54	42.73	39.81
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	30.84	8.51	26.11	23.05	6.74	17.97	17.40	16.29	14.11
Operating Expenses	50.27	46.02	41.16	37.31	33.22	29.86	28.85	27.38	24.57
Operating Income	30.65	32.19	40.31	29.69	21.68	17.74	16.69	15.35	15.24
Other Income/Expense
Interest Income	87.92	82.89	80.67	61.20	49.81	46.11	42.60	40.17	35.25
Interest Expense	13.31	12.86	4.86	1.12	0.97	1.15	1.57	1.61	1.07
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	30.65	32.19	40.31	29.69	21.68	17.74	16.69	15.35	15.24
Income Tax Expense	6.74	7.24	9.46	6.79	5.34	4.06	4.20	3.81	6.15
Net Income	23.91	24.95	30.85	22.90	16.34	13.69	12.49	11.54	9.09
Net Income - Continuous Operations	23.91	24.95	30.85	22.90	16.34	13.69	12.49	11.54	9.09
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	31.79	2.16	2.48	2.64	1.74	18.94	17.78	16.53	16.37
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	1.14	1.09	1.10	1.15	1.14	1.20	1.09	1.19	1.12
Earnings Per Share
Basic EPS	3.00	3.00	4.00	3.00	2.00	2.00	2.00	1.00	1.00
Diluted EPS	3.00	3.00	4.00	3.00	2.00	2.00	2.00	1.00	1.00
Basic Shares Outstanding	8.24	8.22	8.19	8.17	8.15	8.12	8.10	8.08	8.05
Diluted Shares Outstanding	8.29	8.26	8.23	8.20	8.18	8.14	8.12	8.10	8.05

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About Oak Valley Bancorp Financial Statements

What was Oak Valley Bancorp's revenue in fiscal 2025?

Oak Valley Bancorp reported revenue of $81.73M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 4.5% from $78.21M a year earlier.

Is Oak Valley Bancorp profitable?

Yes. Oak Valley Bancorp earned net income of $23.91M in fiscal 2025, a net margin of 29.3%. In fiscal 2024 it earned $24.95M.

What is Oak Valley Bancorp's operating margin?

Oak Valley Bancorp's operating income was $30.65M on revenue of $81.73M in fiscal 2025, an operating margin of 37.5%, compared with 41.2% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition