Oak Valley Bancorp (CA)
Description
Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank that provides a range of commercial banking services to individuals and small to medium-sized businesses in the Central Valley and the Eastern Sierras. The company's deposits products include checking and savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. It also offers commercial real estate loans, commercial business lending and trade finance, and small business administration lending, as well as consumer loans, including automobile loans, home mortgages, credit lines, and other personal loans. In addition, the company provides online and mobile banking, remote deposit capture, merchant, night depository, extended hours, wire transfer of funds, note collection services, and automated teller machines. The company was incorporated in 1990 and is headquartered in Oakdale, California.
About
CEO
Mr. Christopher M. Courtney
Employees
222
Instrument type
Common Stock
Sector
Financial Services
Industry
Banks - Regional
MIC code
XNCM
Address
125 North Third Avenue, Oakdale, CA 95361, United States
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Oscillators
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Summary
No data available
Moving Averages
No data available
Earnings
| Date | Estimate EPS | Actual EPS | Difference | % Surprise |
|---|---|---|---|---|
| Jan 23, 2026 | — | — | — | — |
| Oct 16, 2025 | — | — | — | — |
| Jul 17, 2025 | — | — | — | — |
| Apr 18, 2025 | — | — | — | — |
| Apr 20, 2023 | — | 1.12 | — | — |
Earnings estimate
| Number of analysts | — | — | — | — |
|---|---|---|---|---|
| Average estimate | — | — | — | — |
| Low estimate | — | — | — | — |
| High estimate | — | — | — | — |
| Last year EPS | — | — | — | — |
[stock_revenue_estimate]
Growth estimates
Current qtr
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Next qtr.
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Current year
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Next year
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Next 5 years (per annum)
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Past 5 years (per annum)
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Income statement
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total reported revenue | 82.43M | 65.65M | 54.26M | 49.77M | 46.08M |
| Cost of revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating expense | |||||
| Research & development | — | — | — | — | — |
| Selling general and admin | 26.11M | 23.05M | 20.21M | 17.97M | 17.40M |
| Other operating expenses | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Non operating interest income | |||||
| Income | — | — | — | — | — |
| Expense | — | — | — | — | — |
| Other income expense | — | — | — | — | — |
| Pretax income | 40.31M | 29.69M | 21.68M | 17.74M | 16.69M |
| Tax provision | 9.46M | 6.79M | 5.34M | 4.06M | 4.20M |
| Net income | 30.85M | 22.90M | 16.34M | 13.69M | 12.49M |
| Basic EPS | 3.76 | 2.80 | 2.01 | 1.68 | 1.54 |
| Diluted EPS | 3.75 | 2.79 | 2.00 | 1.68 | 1.54 |
| Basic average shares | 8.19M | 8.17M | 8.13M | 8.12M | 8.10M |
| Diluted average shares | 8.19M | 8.17M | 8.13M | 8.12M | 8.10M |
| EBITDA | — | — | — | — | — |
| Net income from continuing op. | 30.85M | 22.90M | 16.34M | 13.69M | 12.49M |
| Minority interests | — | — | — | — | — |
| Preferred stock dividends | — | — | — | — | — |
Balance sheet
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | — | — | — | — | — |
| Current assets | |||||
| Cash | — | 415.80M | 735.33M | — | 133.81M |
| Cash equivalents | — | — | — | — | — |
| Cash and cash equivalents | 180.07M | 415.80M | 735.33M | 193.57M | 133.81M |
| Other short term investments | 518.08M | 527.44M | 262.89M | 217.16M | 190.09M |
| Accounts receivable | 2.87M | 2.47M | 2.33M | 4.31M | 2.09M |
| Other receivables | 5.52M | 5.47M | 1.73M | 1.38M | 1.37M |
| Inventory | — | — | — | — | — |
| Prepaid assets | — | 1.54M | 973,000 | 1.07M | 1.31M |
| Restricted cash | — | — | — | — | — |
| Assets held for sale | — | — | — | — | — |
| Hedging assets | — | — | — | — | — |
| Other current assets | — | — | — | — | — |
| Non current assets | |||||
| Properties | 6.85M | 7.76M | 6.53M | 4.59M | 4.31M |
| Land and improvements | 5.20M | 5.20M | 5.20M | 5.20M | 5.20M |
| Machinery furniture equipment | 5.09M | 4.74M | 3.95M | 9.01M | 8.71M |
| Construction in progress | 1.49M | 239,000 | 209,000 | 518,000 | 928,000 |
| Leases | 5.42M | 5.36M | 5.22M | 5.19M | 5.06M |
| Accumulated depreciation | -12.20M | -11.02M | -9.71M | -14.74M | -14.68M |
| Goodwill | 3.47M | 3.56M | 3.65M | 3.74M | 3.84M |
| Investment properties | — | — | — | — | — |
| Financial assets | — | — | — | — | — |
| Intangible assets | — | — | — | — | — |
| Investments and advances | 534.89M | 545.01M | 270.64M | 225.28M | 198.51M |
| Other non current assets | — | — | — | — | — |
| Total liabilities | — | — | — | — | — |
| Current liabilities | |||||
| Accounts payable | — | 27.42M | 14.90M | 13.98M | 15.29M |
| Accrued expenses | — | — | — | — | — |
| Short term debt | — | — | — | — | — |
| Deferred revenue | — | — | — | — | — |
| Tax payable | — | — | — | — | — |
| Pensions | — | — | — | — | — |
| Other current liabilities | — | — | — | — | — |
| Non current liabilities | |||||
| Long term debt | — | — | — | — | — |
| Provision for risks and charges | — | — | — | — | — |
| Deferred liabilities | — | — | — | — | — |
| Derivative product liabilities | — | — | — | — | — |
| Other non current liabilities | — | — | — | — | — |
| Shareholders equity | |||||
| Common stock | 25.44M | 25.44M | 25.44M | 25.44M | 25.44M |
| Retained earnings | 154.30M | 126.73M | 106.30M | 92.35M | 80.96M |
| Other shareholders equity | -19.16M | -30.73M | 6.19M | 7.69M | 2.40M |
| Total shareholders equity | 166.09M | 126.63M | 142.61M | 129.69M | 112.57M |
| Additional paid in capital | 5.51M | 5.19M | 4.69M | 4.22M | 3.78M |
| Treasury stock | — | — | — | — | — |
| Minority interest | — | — | — | — | — |
Cash flow statement
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||||||||||
| Net Income | 30.85M | 22.90M | 16.34M | 13.69M | 12.49M | 11.54M | 9.09M | 7.67M | 4.91M | 7.12M | 5.89M | 5.78M | 5.86M | 4.63M | 2.00M | 2.16M | 3.93M | 3.83M | 3.93M | 3.25M | 2.32M | 1.80M | 1.66M |
| Depreciation | 1.10M | 1.15M | 1.14M | 1.20M | 1.09M | 1.19M | 1.12M | 1.25M | 1.21M | 1.17M | 1.16M | 1.14M | 998,014 | 959,547 | 1.03M | 1.12M | 986,559 | 893,467 | 870,969 | 616,698 | 605,851 | 65,507 | 143,078 |
| Deferred Taxes | — | — | — | — | — | — | — | — | 35,000 | -187,000 | — | — | 205,224 | 497,243 | — | — | — | — | — | — | — | — | — |
| Stock-Based Compensation | 533,000 | 622,000 | 581,000 | 549,000 | 549,000 | 431,000 | 103,000 | 256,000 | 261,000 | 271,000 | 195,000 | 175,896 | 48,482 | 82,471 | 72,523 | 122,649 | 130,073 | — | — | — | — | — | — |
| Other Non-Cash Items | -788,000 | -749,000 | -719,000 | -728,000 | -602,000 | -704,000 | -725,000 | -347,000 | -445,000 | -433,000 | -404,000 | -427,305 | -432,234 | 353,466 | 2.35M | 1.55M | -6.73M | 567,982 | 705,000 | 937,500 | 655,000 | 425,000 | 211,000 |
| Accounts Receivable | -456,000 | -3.87M | 1.63M | 494,000 | 298,000 | -584,000 | -340,000 | -411,000 | -33,000 | -13,000 | -357,000 | 48,983 | -61,595 | 92,470 | 152,027 | -7,744 | 7,062 | — | — | — | — | — | — |
| Accounts Payable | -1.41M | 875,000 | 1.46M | 262,000 | 6.53M | 558,000 | -364,000 | 1.48M | -1.21M | 1.13M | 290,000 | 1.05M | -434,187 | 877,901 | -349,287 | -701,001 | -5.09M | — | — | — | — | — | — |
| Other Assets & Liabilities | 454,000 | 2.11M | -5.98M | -2.23M | -4.02M | 1.64M | -1.69M | -123,000 | -90,000 | 529,000 | 23,000 | 165,015 | 2.28M | -5.14M | 746,820 | -4.05M | -2.58M | — | — | — | — | — | — |
| Operating Cash Flow | 30.28M | 23.04M | 14.45M | 13.23M | 16.34M | 14.07M | 7.20M | 9.78M | 4.63M | 9.60M | 6.79M | 7.94M | 8.47M | 2.35M | 6.01M | 191,336 | -9.35M | 5.29M | 5.51M | 4.81M | 3.58M | 2.29M | 2.01M |
| Investing Activities | |||||||||||||||||||||||
| Capital Expenditures | -1.89M | -1.19M | -978,000 | -1.74M | -1.38M | -1.64M | -1.81M | -659,000 | -1.41M | -1.55M | -442,000 | -798,853 | -4.32M | 926,233 | 73,310 | -2.12M | -4.83M | -422,013 | -1.29M | -695,118 | -856,313 | -250,267 | -659,673 |
| Net Intangibles | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Acquisitions | — | — | — | — | — | — | — | — | 23.47M | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Purchase of Investments | -41.13M | -360.16M | -80.46M | -70.33M | -26.87M | -53.19M | -50.88M | -53.96M | -42.69M | -17.88M | -36.08M | -43.74M | -54.57M | -12.11M | -16.95M | -15.61M | -19.19M | -11.44M | -11.26M | -12.82M | -40.72M | -36.18M | -21.88M |
| Sale of Investments | 65.45M | 40.56M | 36.21M | 48.53M | 45.97M | 21.03M | 30.20M | 21.76M | 31.94M | 18.88M | 15.22M | 30.77M | 20.14M | 9.57M | 10.21M | 7.95M | 22.52M | 8.39M | 10.41M | 7.62M | 44.48M | 31.41M | 25.55M |
| Investing Cash Flow | 21.21M | -320.54M | -49.39M | -23.37M | 12.31M | -33.58M | -21.66M | -35.73M | 11.45M | -1.69M | -20.37M | -13.07M | -37.97M | -1.19M | -6.66M | -14.52M | 21.01M | -64.10M | -61.60M | -75.54M | -40.27M | -37.70M | -21.33M |
| Financing Activities | |||||||||||||||||||||||
| Long-Term Debt Issuance | 1.86M | — | — | 50.00M | — | — | — | — | — | — | — | — | — | 7.10M | 55.90M | 269.86M | 62.87M | 82.60M | 33.60M | 41.50M | — | — | — |
| Long-Term Debt Payments | -1.86M | — | — | -50.00M | — | — | — | — | — | — | — | -3.00M | -5.00M | -31.78M | -101.84M | -295.04M | — | -68.00M | -49.10M | -29.00M | — | — | — |
| Other Financing Charges | -211,000 | -121,000 | -108,000 | -110,000 | -130,000 | — | — | — | 46,000 | 102,000 | — | 37,218 | -560,000 | — | — | 54,195 | 106,355 | 156,100 | — | — | — | — | — |
| Financing Cash Flow | -2.86M | -2.60M | -2.49M | -2.41M | -2.34M | -2.11M | -1.93M | -1.94M | -1.65M | -292,000 | -6.73M | -9.94M | -6.31M | -25.28M | -46.69M | -12.01M | 66.73M | 13.41M | -16.67M | 11.61M | 9.81M | -3.62M | 4.93M |
| Other Cash Details | |||||||||||||||||||||||
| End Cash Position | 216.57M | 429.63M | 778.27M | 226.66M | 147.59M | 126.15M | 149.17M | 190.81M | 190.60M | 144.29M | 105.19M | 141.33M | 101.08M | 68.94M | 21.65M | 9.84M | 14.20M | 27.82M | 20.50M | 12.30M | 15.63M | 8.44M | 12.71M |
| Income Tax Paid | 10.45M | 3.91M | 5.72M | 4.34M | 3.87M | 4.15M | 5.92M | 2.33M | 4.15M | 3.01M | 2.35M | 1.75M | 3.96M | 1.98M | 1.26M | — | 2.46M | — | — | — | — | — | — |
| Interest Paid | 4.72M | 1.12M | 971,000 | 1.15M | 1.56M | 1.61M | 1.07M | 756,000 | 618,000 | 668,000 | 835,000 | 1.20M | 1.69M | 3.15M | 6.00M | — | 13.34M | — | — | — | — | — | — |
| Free Cash Flow | 31.17M | 21.62M | 10.21M | 17.50M | 15.83M | 12.79M | 7.21M | 9.24M | 2.89M | 5.85M | 7.07M | 8.22M | 5.79M | 7.10M | 9.91M | 208,894 | -7.03M | 7.69M | 4.81M | 2.44M | 1.76M | 110,680 | -2.31M |
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