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Upturn AI SWOT - About
OVLY 
Oak Valley Bancorp (OVLY)
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Upturn Advisory Summary
03/27/2025: OVLY (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -2.3% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 243.07M USD | Price to earnings Ratio 9.66 | 1Y Target Price - |
Price to earnings Ratio 9.66 | 1Y Target Price - | ||
Volume (30-day avg) 8537 | Beta 0.31 | 52 Weeks Range 22.55 - 31.87 | Updated Date 03/30/2025 |
52 Weeks Range 22.55 - 31.87 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 1.53% | Basic EPS (TTM) 3.01 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 32.02% | Operating Margin (TTM) 46.39% |
Management Effectiveness
Return on Assets (TTM) 1.34% | Return on Equity (TTM) 15.57% |
Valuation
Trailing PE 9.66 | Forward PE - | Enterprise Value 67886136 | Price to Sales(TTM) 2.68 |
Enterprise Value 67886136 | Price to Sales(TTM) 2.68 | ||
Enterprise Value to Revenue 2.74 | Enterprise Value to EBITDA - | Shares Outstanding 8358710 | Shares Floating 6814260 |
Shares Outstanding 8358710 | Shares Floating 6814260 | ||
Percent Insiders 18.03 | Percent Institutions 32.81 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Oak Valley Bancorp
Company Overview
History and Background
Oak Valley Bancorp was founded in 1991 and is headquartered in Oakdale, California. The bank has focused on serving the Central Valley region of California, growing organically and through strategic acquisitions.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking services, including loans, lines of credit, and deposit accounts to businesses of all sizes.
- Retail Banking: Provides personal banking services such as checking and savings accounts, mortgages, and personal loans to individuals.
- Agricultural Lending: Offers specialized lending products and services tailored to the needs of farmers and agribusinesses in the Central Valley.
Leadership and Structure
The leadership team consists of experienced banking professionals. The organizational structure includes departments for lending, operations, finance, and compliance, all overseen by a board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is not readily available. Competitors include larger national banks and regional banks with a presence in California.
- Agricultural Loans: Offers specialized loans to farmers and agribusinesses. Market share data is not readily available. Competitors include Farm Credit institutions and other banks with agricultural lending expertise.
- Real Estate Loans: Provides loans for commercial and residential real estate. Market share data is not readily available. Competitors include mortgage companies and larger banks.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, rising interest rates, and evolving regulatory landscape, and increased need for digital transformation. Community banks, like Oak Valley Bancorp, play a key role in lending to small and medium-sized businesses. The industry is undergoing rapid technological advancements
Positioning
Oak Valley Bancorp positions itself as a community-focused bank with strong relationships in the Central Valley of California. Its competitive advantage lies in its local expertise and personalized service.
Total Addressable Market (TAM)
The TAM is the total banking market in the Central Valley of California, valued at billions of dollars. Oak Valley Bancorp is positioned to capture a portion of this market by focusing on community relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence in the Central Valley
- Experienced management team
- Strong customer relationships
- Focus on community banking
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Reliance on the Central Valley economy
- Limited Technology infrastructure
Opportunities
- Expansion into adjacent markets
- Increased lending to small businesses
- Adoption of new technologies to improve efficiency
- Growing demand for agricultural lending
- Consolidation in the community banking sector.
Threats
- Competition from larger banks and credit unions
- Economic downturn in the Central Valley
- Rising interest rates
- Increasing regulatory burden
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- CASH
- FFWM
- CVLY
Competitive Landscape
Oak Valley Bancorp faces competition from larger regional and national banks, as well as other community banks and credit unions. Its advantage lies in its local focus and customer service.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Oak Valley Bancorp has grown organically and through acquisitions. The specific growth rate needs to be computed based on past financial statements.
Future Projections: Future growth projections depend on analyst estimates and the bank's strategic plans.
Recent Initiatives: Recent initiatives may include branch expansions, new product launches, and technology investments.
Summary
Oak Valley Bancorp is a well-established community bank with a strong presence in the Central Valley. It benefits from its customer relationships and local expertise, but faces challenges from larger competitors and economic fluctuations in its region. The bank's growth depends on its ability to expand its market reach, adopt new technologies, and manage its expenses.
Similar Companies
CASH
Meta Financial Group Inc
CASH
Meta Financial Group Inc
CVLY
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CVLY
Codorus Valley Bancorp Inc
FFWM
First Foundation Inc.
FFWM
First Foundation Inc.
Sources and Disclaimers
Data Sources:
- Company filings, financial news sources, industry reports.
Disclaimers:
This analysis is based on publicly available information and does not constitute financial advice. Market share and financial data may not be precise due to reporting limitations.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Oak Valley Bancorp
Exchange NASDAQ | Headquaters Oakdale, CA, United States | ||
IPO Launch date 2003-10-15 | CEO & Director Mr. Christopher M. Courtney | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 223 | Website https://www.ovcb.com |
Full time employees 223 | Website https://www.ovcb.com | ||
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.
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