Oak Valley Bancorp carries no debt; cash flow comfortably covers obligations.

Oak Valley Bancorp's free cash flow has increased 2.94% from $23.86M last year to $24.56M, signaling increasing performance

Oak Valley Bancorp's debt to equity ratio is 0.00, which means that the company's assets are healthy financed, signaling financial stability.

Oak Valley Bancorp has insufficient data to evaluate this check.

Oak Valley Bancorp has a net cash position, so leverage is healthy.

Oak Valley Bancorp earns at least as much interest as it pays. Interest obligations are fully covered.

Oak Valley Bancorp's profit margin has decreased (3.53%) in the last year from 27.89% to 26.91%, signaling decreasing performance

Oak Valley Bancorp's short-term liabilities of $1.79B exceed its short-term assets of $416.46M, signaling financial risk

Oak Valley Bancorp's return on assets of 1.17% is lower than the 5.00% threshold, indicating inefficient asset utilization

Oak Valley Bancorp's return on equity of 11.46%, is lower than 15.00%, indicating bad performance

Oak Valley Bancorp's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Oak Valley Bancorp had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Oak Valley Bancorp has positive free cash flow, indicating the company generates cash after capital expenditures

Oak Valley Bancorp has a free cash flow yield of 8.79%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Oak Valley Bancorp's yearly earnings has decreased 4.15% since last year from $24.95M to $23.91M, signaling decreasing performance

Oak Valley Bancorp's yearly revenue has decreased 8.63% since last year from $89.45M to $81.73M, signaling decreasing performance

ROIC 1.17% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Oak Valley Bancorp's 3-year revenue CAGR of 6.97% is positive, indicating growing revenue over the past 3 years

Oak Valley Bancorp had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Oak Valley Bancorp had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Oak Valley Bancorp is undervalued relative to its fair value price of 69.12 based on Discounted Cash Flow model

Oak Valley Bancorp has an earnings yield of 8.54%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Oak Valley Bancorp is undervalued relative to its fair value price of 48.74 based on EBITDA multiple model

Oak Valley Bancorp has insufficient data to compute enterprise value.

Oak Valley Bancorp is undervalued relative to its fair value price of 73.11 based on Earnings Fair Value model

Oak Valley Bancorp has a PEG-ratio over 1 which is considered overvalued

Oak Valley Bancorp has a price-to-book ratio of 0.12x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Oak Valley Bancorp has a price-to-sales ratio of 3.15x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue