Oak Valley Bancorp (OVLY) - Net Assets
Based on the latest financial reports, Oak Valley Bancorp (OVLY) has net assets worth $211.56 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.03 Billion) and total liabilities ($1.82 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check OVLY asset liquidity ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $211.56 Million |
| % of Total Assets | 10.44% |
| Annual Growth Rate | 11.79% |
| 5-Year Change | 48.35% |
| 10-Year Change | 156.6% |
| Growth Volatility | 13.66 |
Oak Valley Bancorp - Net Assets Trend (2001–2025)
This chart illustrates how Oak Valley Bancorp's net assets have evolved over time, based on quarterly financial data. Also explore Oak Valley Bancorp balance sheet assets for the complete picture of this company's asset base.
Annual Net Assets for Oak Valley Bancorp (2001–2025)
The table below shows the annual net assets of Oak Valley Bancorp from 2001 to 2025. For live valuation and market cap data, see OVLY company net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $211.56 Million | +15.33% |
| 2024-12-31 | $183.44 Million | +10.44% |
| 2023-12-31 | $166.09 Million | +31.17% |
| 2022-12-31 | $126.63 Million | -11.21% |
| 2021-12-31 | $142.61 Million | +9.96% |
| 2020-12-31 | $129.69 Million | +15.21% |
| 2019-12-31 | $112.57 Million | +13.62% |
| 2018-12-31 | $99.08 Million | +9.16% |
| 2017-12-31 | $90.77 Million | +10.09% |
| 2016-12-31 | $82.45 Million | +5.35% |
| 2015-12-31 | $78.26 Million | +4.29% |
| 2014-12-31 | $75.04 Million | +16.31% |
| 2013-12-31 | $64.52 Million | -7.66% |
| 2012-12-31 | $69.87 Million | -0.76% |
| 2011-12-31 | $70.40 Million | +8.89% |
| 2010-12-31 | $64.66 Million | +6.53% |
| 2009-12-31 | $60.69 Million | +4.67% |
| 2008-12-31 | $57.99 Million | +36.88% |
| 2007-12-31 | $42.36 Million | +23.06% |
| 2006-12-31 | $34.42 Million | +10.91% |
| 2005-12-31 | $31.04 Million | +9.89% |
| 2004-12-31 | $28.25 Million | +56.93% |
| 2003-12-31 | $18.00 Million | +9.91% |
| 2002-12-31 | $16.38 Million | +12.42% |
| 2001-12-31 | $14.57 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Oak Valley Bancorp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 3742.6% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $194.39 Million | 93.47% |
| Common Stock | $25.43 Million | 12.23% |
| Other Comprehensive Income | $-18.67 Million | -8.98% |
| Other Components | $6.82 Million | 3.28% |
| Total Equity | $207.97 Million | 100.00% |
Oak Valley Bancorp Competitors by Market Cap
The table below lists competitors of Oak Valley Bancorp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Sonda S.A
SN:SONDA
|
$282.02 Million |
|
Idun Industrier AB Series B
ST:IDUN-B
|
$282.11 Million |
|
FVCBankcorp Inc
NASDAQ:FVCB
|
$282.15 Million |
|
Cellectis
PA:ALCLS
|
$282.27 Million |
|
TSC Auto ID Technology Co Ltd
TWO:3611
|
$282.00 Million |
|
Jiangsu Dongzhu Landscape Co
SHG:603359
|
$282.00 Million |
|
Kaplamin Ambalaj Sanayi ve Ticaret AS
IS:KAPLM
|
$281.98 Million |
|
DocMorris AG
SW:DOCM
|
$281.88 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Oak Valley Bancorp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 183,436,000 to 207,975,000, a change of 24,539,000 (13.4%).
- Net income of 23,913,000 contributed positively to equity growth.
- Dividend payments of 5,022,000 reduced retained earnings.
- Other comprehensive income increased equity by 5,028,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $23.91 Million | +11.5% |
| Dividends Paid | $5.02 Million | -2.41% |
| Other Comprehensive Income | $5.03 Million | +2.42% |
| Other Changes | $620.00K | +0.3% |
| Total Change | $- | 13.38% |
Book Value vs Market Value Analysis
This analysis compares Oak Valley Bancorp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.34x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 12.63x to 1.34x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2001-12-31 | $2.65 | $33.52 | x |
| 2002-12-31 | $2.89 | $33.52 | x |
| 2003-12-31 | $3.06 | $33.52 | x |
| 2004-12-31 | $4.03 | $33.52 | x |
| 2005-12-31 | $4.23 | $33.52 | x |
| 2006-12-31 | $4.85 | $33.52 | x |
| 2007-12-31 | $5.61 | $33.52 | x |
| 2008-12-31 | $7.49 | $33.52 | x |
| 2009-12-31 | $7.86 | $33.52 | x |
| 2010-12-31 | $8.37 | $33.52 | x |
| 2011-12-31 | $9.10 | $33.52 | x |
| 2012-12-31 | $9.01 | $33.52 | x |
| 2013-12-31 | $8.22 | $33.52 | x |
| 2014-12-31 | $9.39 | $33.52 | x |
| 2015-12-31 | $9.74 | $33.52 | x |
| 2016-12-31 | $10.20 | $33.52 | x |
| 2017-12-31 | $11.28 | $33.52 | x |
| 2018-12-31 | $12.23 | $33.52 | x |
| 2019-12-31 | $13.87 | $33.52 | x |
| 2020-12-31 | $15.93 | $33.52 | x |
| 2021-12-31 | $17.44 | $33.52 | x |
| 2022-12-31 | $15.43 | $33.52 | x |
| 2023-12-31 | $20.18 | $33.52 | x |
| 2024-12-31 | $22.21 | $33.52 | x |
| 2025-12-31 | $25.08 | $33.52 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Oak Valley Bancorp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 11.50%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 29.26%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 9.74x
- Recent ROE (11.50%) is above the historical average (10.46%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2001 | 11.39% | 14.09% | 0.07x | 10.84x | $201.97K |
| 2002 | 10.97% | 14.47% | 0.06x | 11.81x | $159.10K |
| 2003 | 12.88% | 15.86% | 0.06x | 13.36x | $517.90K |
| 2004 | 11.51% | 18.27% | 0.06x | 11.08x | $426.81K |
| 2005 | 12.68% | 17.29% | 0.06x | 12.31x | $830.71K |
| 2006 | 11.13% | 12.61% | 0.07x | 13.22x | $388.48K |
| 2007 | 9.37% | 18.87% | 0.05x | 10.72x | $-267.73K |
| 2008 | 3.73% | 6.81% | 0.06x | 8.76x | $-3.64 Million |
| 2009 | 3.30% | 6.26% | 0.06x | 8.65x | $-4.07 Million |
| 2010 | 7.16% | 15.08% | 0.06x | 8.54x | $-1.84 Million |
| 2011 | 8.32% | 19.81% | 0.05x | 8.70x | $-1.18 Million |
| 2012 | 8.26% | 19.84% | 0.04x | 9.44x | $-1.22 Million |
| 2013 | 9.12% | 20.74% | 0.04x | 10.41x | $-565.70K |
| 2014 | 9.49% | 23.98% | 0.04x | 9.99x | $-382.10K |
| 2015 | 6.27% | 16.29% | 0.03x | 11.46x | $-2.92 Million |
| 2016 | 9.30% | 20.88% | 0.04x | 12.15x | $-580.00K |
| 2017 | 10.02% | 22.06% | 0.04x | 11.40x | $17.30K |
| 2018 | 11.65% | 25.70% | 0.04x | 11.06x | $1.63 Million |
| 2019 | 11.09% | 26.21% | 0.04x | 10.20x | $1.23 Million |
| 2020 | 10.55% | 26.88% | 0.03x | 11.65x | $717.60K |
| 2021 | 11.46% | 29.58% | 0.03x | 13.77x | $2.08 Million |
| 2022 | 18.09% | 34.30% | 0.03x | 15.54x | $10.24 Million |
| 2023 | 18.57% | 35.34% | 0.05x | 11.09x | $14.24 Million |
| 2024 | 13.60% | 27.89% | 0.05x | 10.36x | $6.60 Million |
| 2025 | 11.50% | 29.26% | 0.04x | 9.74x | $3.12 Million |
Industry Comparison
This section compares Oak Valley Bancorp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $519,829,600
- Average return on equity (ROE) among peers: 6.05%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Oak Valley Bancorp (OVLY) | $211.56 Million | 11.39% | 8.58x | $282.02 Million |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $148.70 Million | 9.23% | 10.41x | $5.70 Billion |
| ACNB Corporation (ACNB) | $93.75 Million | 8.98% | 9.33x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $96.99 Million | 6.06% | 10.54x | $647.19 Million |
| Amalgamated Bank (AMAL) | $585.36 Million | 15.03% | 12.62x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $577.58 Million | -0.30% | 12.45x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $249.60 Million | 11.75% | 10.06x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.74 Billion | -4.81% | 7.35x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $116.55 Million | 6.07% | 10.46x | $62.60 Million |
About Oak Valley Bancorp
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 accepts deposits through checking and savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. … Read more