OAK Valley Bancorp (OVLY) Fundamental Analysis: Revenue, Earnings & Valuation

3.86 / 10

Netural

Fundamental analysis rates OVLY at 3.9/10 (Neutral). Strengths include rising cash and a 41.8% gross margin, but PB‑ROE is negative and cash‑to‑market value lags, indicating limited financial robustness and heightened risk.

Analysis Checks(6/10)

Gross profit margin (%)

Value41.83

Score3/3

Weight7.67%

1M Return3.70%

Current liabilities / Total liabilities (%)

Value48.71

Score3/3

Weight7.67%

1M Return3.70%

Profit-MV

Value1.23

Score1/3

Weight9.09%

1M Return3.90%

Net income-Revenue

Value0.47

Score3/3

Weight16.67%

1M Return6.99%

PB-ROE

Value-0.94

Score1/3

Weight9.88%

1M Return4.22%

Non-current liabilities / Total liabilities (%)

Value53.45

Score3/3

Weight7.67%

1M Return3.70%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight7.67%

1M Return3.70%

Cash-UP

Value-0.31

Score3/3

Weight10.62%

1M Return5.00%

Asset-MV

Value-0.55

Score1/3

Weight15.53%

1M Return6.12%

Cash-MV

Value-0.27

Score0/3

Weight7.52%

1M Return3.50%

Is OVLY undervalued or overvalued?

OVLY scores 3.86/10 on fundamentals and holds a Fair valuation at present. Backed by its 12.22% ROE, 29.26% net margin, 11.58 P/E ratio, 1.33 P/B ratio, and -4.61% earnings growth, these metrics solidify its Netural investment rating.