Oak Valley Bancorp (OVLY)

Oak Valley Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	74.62	70.03	75.8	60.08	48.84
Net Interest Income Growth	6.54%	-7.61%	26.18%	23.02%	8.63%
Non-Interest Income	7.11	6.56	6.63	5.57	5.43
Non-Interest Income Growth	8.53%	-1.15%	19.03%	2.67%	12.69%
Revenues Before Loan Losses	81.73	76.59	82.43	65.65	54.26
Provision for Credit Losses	0.81	-1.62	0.97	-1.35	-0.64
Revenue	80.92	78.21	81.46	67	54.9
Revenue Growth (YoY)	3.47%	-3.99%	21.59%	22.04%	15.31%
Compensation Expenses	-	28.64	26.11	23.05	20.21
Selling, General & Admin	-	8.51	8.29	7.42	6.74
Other Non-Interest Expenses	-	8.86	6.76	6.84	6.27
Total Non-Interest Expense	50.27	46.02	41.16	37.31	33.22
Pretax Income	30.65	32.19	40.31	29.69	21.68
Provision for Income Taxes	6.74	7.24	9.46	6.79	5.34
Net Income	23.91	24.95	30.85	22.9	16.34
Net Income to Common	23.91	24.95	30.85	22.9	16.34
Net Income Growth	-4.15%	-19.13%	34.70%	40.18%	19.36%
Shares Outstanding (Basic)	8	8	8	8	8
Shares Outstanding (Diluted)	8	8	8	8	8
Shares Change (YoY)	0.40%	0.34%	0.32%	0.32%	0.49%
EPS (Basic)	2.90	3.04	3.76	2.80	2.01
EPS (Diluted)	2.88	3.02	3.75	2.79	2.00
EPS Growth	-4.64%	-19.47%	34.41%	39.50%	19.05%
Free Cash Flow	0.81	23.86	31.17	21.62	10.21
Free Cash Flow Growth	-96.63%	-23.45%	44.18%	111.76%	-41.67%
Free Cash Flow Per Share	0.10	2.89	3.79	2.63	1.25
Dividends Per Share	0.675	0.525	0.385	0.310	0.295
Dividend Growth	28.57%	36.36%	24.19%	5.08%	3.51%
Profit Margin	29.55%	31.90%	37.87%	34.18%	29.76%
FCF Margin	0.99%	30.50%	38.26%	32.26%	18.60%
EBITDA	0	2.16	2.48	2.64	1.74
EBITDA Margin	0.00%	2.77%	3.04%	3.94%	3.16%
Effective Tax Rate	21.98%	22.50%	23.47%	22.86%	24.63%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q