Oak Valley Bancorp (OVLY)

Oak Valley Bancorp Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	-	58.35	53.41	44.77	38.89	43.77
Interest Income on Investments	-	29.58	29.49	35.89	22.31	6.04
Total Interest Income	-	87.92	82.89	80.67	61.2	49.81
Interest Paid on Deposits	-	13.31	12.86	4.86	1.12	0.97
Interest Paid on Borrowings	-	-	-	0	-	-
Total Interest Expense	-	13.31	12.86	4.86	1.12	0.97
Net Interest Income	77.03	74.62	70.03	75.8	60.08	48.84
Net Interest Income Growth	5.51%	6.54%	-7.61%	26.18%	23.02%	8.63%
Mortgage Banking Activities	0.03	0.03	0.03	0.02	0.07	0.15
Gain (Loss) on Sale of Investments	-0	-0	0.11	0.16	-	0.15
Other Non-Interest Income	5.48	5.3	4.73	4.64	3.9	3.83
Total Non-Interest Income	7.29	7.11	6.56	6.63	5.57	5.43
Non-Interest Income Growth	8.54%	8.53%	-1.15%	19.03%	2.67%	12.69%
Revenues Before Loan Losses	84.32	81.73	76.59	82.43	65.65	54.26
Provision for Loan Losses	0.87	0.81	-1.62	0.97	-1.35	-0.64
Revenue	83.45	80.92	78.21	81.46	67	54.9
Revenue Growth	5.28%	3.47%	-3.99%	21.59%	22.04%	15.31%
Salaries and Employee Benefits	29.94	29.94	27.8	25.58	22.42	19.63
Occupancy Expenses	3.14	3.14	3.07	3.02	2.86	2.74
Federal Deposit Insurance	1.12	1.12	1.09	1.02	0.93	0.65
Selling, General & Administrative	6.59	6.59	6.12	5.16	4.26	3.93
Other Non-Interest Expense	13.09	9.5	7.94	6.39	6.84	6.27
Total Non-Interest Expense	53.86	50.27	46.02	41.16	37.31	33.22
EBT Excluding Unusual Items	29.58	30.65	32.19	40.31	29.69	21.68
Pretax Income	29.58	30.65	32.19	40.31	29.69	21.68
Income Tax Expense	6.38	6.74	7.24	9.46	6.79	5.34
Net Income	23.21	23.91	24.95	30.85	22.9	16.34
Net Income to Common	23.21	23.91	24.95	30.85	22.9	16.34
Net Income Growth	-1.60%	-4.15%	-19.13%	34.70%	40.18%	19.36%
Basic Shares Outstanding	8	8	8	8	8	8
Diluted Shares Outstanding	8	8	8	8	8	8
Shares Change	0.50%	0.40%	0.34%	0.32%	0.32%	0.49%
EPS (Basic)	2.81	2.90	3.04	3.76	2.80	2.01
EPS (Diluted)	2.78	2.88	3.02	3.75	2.79	2.00
EPS Growth	-2.14%	-4.64%	-19.47%	34.41%	39.50%	19.05%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	0.750	0.675	0.525	0.385	0.310	0.295
Dividend Growth	25.00%	28.57%	36.36%	24.19%	5.08%	3.51%
Effective Tax Rate	21.55%	21.98%	22.50%	23.46%	22.86%	24.63%

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 27, 2026

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