Oak Valley Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	75.63	74.62	70.03	75.8	60.08	48.84
Net Interest Income Growth	7.13%	6.54%	-7.61%	26.18%	23.02%	8.63%
Non-Interest Income	7.45	7.11	6.56	6.63	5.57	5.43
Non-Interest Income Growth	12.09%	8.53%	-1.15%	19.03%	2.67%	12.69%
Revenues Before Loan Losses	83.09	81.73	76.59	82.43	65.65	54.26
Provision for Credit Losses	1.27	0.81	-1.62	0.97	-1.35	-0.64
Revenue	81.82	80.92	78.21	81.46	67	54.9
Revenue Growth (YoY)	4.10%	3.47%	-3.99%	21.59%	22.04%	15.31%
Compensation Expenses	31.65	30.84	28.64	26.11	23.05	20.21
Selling, General & Admin	9.27	8.89	8.51	8.29	7.42	6.74
Other Non-Interest Expenses	10.24	10.54	8.86	6.76	6.84	6.27
Total Non-Interest Expense	51.16	50.27	46.02	41.16	37.31	33.22
Pretax Income	30.66	30.65	32.19	40.31	29.69	21.68
Provision for Income Taxes	6.74	6.74	7.24	9.46	6.79	5.34
Net Income	23.93	23.91	24.95	30.85	22.9	16.34
Net Income to Common	23.93	23.91	24.95	30.85	22.9	16.34
Net Income Growth	-2.42%	-4.15%	-19.13%	34.70%	40.18%	19.36%
Shares Outstanding (Basic)	8	8	8	8	8	8
Shares Outstanding (Diluted)	8	8	8	8	8	8
Shares Change (YoY)	0.43%	0.40%	0.34%	0.32%	0.32%	0.49%
EPS (Basic)	2.90	2.90	3.04	3.76	2.80	2.01
EPS (Diluted)	2.88	2.88	3.02	3.75	2.79	2.00
EPS Growth	-3.03%	-4.64%	-19.47%	34.41%	39.50%	19.05%
Shares Outstanding	8.41	8.39	8.36	8.29	8.26	8.24
Free Cash Flow	25.62	24.56	23.86	31.17	21.62	10.21
Free Cash Flow Growth	4.30%	2.94%	-23.45%	44.18%	111.76%	-41.67%
Free Cash Flow Per Share	3.09	2.96	2.89	3.79	2.63	1.25
Dividends Per Share	0.675	0.675	0.525	0.385	0.310	0.295
Dividend Growth	-	28.57%	36.36%	24.19%	5.08%	3.51%
Profit Margin	29.24%	29.55%	31.90%	37.87%	34.18%	29.76%
FCF Margin	31.31%	30.35%	30.50%	38.26%	32.26%	18.60%
EBITDA	2.26	2.19	2.16	2.48	2.64	1.74
EBITDA Margin	2.77%	2.70%	2.77%	3.04%	3.94%	3.16%
Effective Tax Rate	21.97%	21.98%	22.50%	23.47%	22.86%	24.63%

Updated May 12, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q