Oak Valley Bancorp (OVLY)

Nasdaq: OVLY · State Commercial Banks · Oakdale, CA · filing with the SEC since 2008

Grade5.2

◀ Past 4.7● Present 5.3▶ Future 5.8

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Mar 25, 2026	Mar 31, 2025	Apr 1, 2024	Mar 29, 2023	Mar 31, 2022	Mar 31, 2021	Mar 13, 2020	Mar 11, 2019	Mar 15, 2018	Mar 27, 2017
For lenders
Interest and dividend income	87,922	82,894	80,666	61,195	49,806	46,110	42,602	40,174	35,245	32,289
Interest expense on deposits and borrowings	13,307	12,860	4,864	·	·	·	·	·	·	·
Net interest income	74,615	70,034	75,802	60,076	48,835	44,957	41,034	38,568	34,180	31,525
Provision for credit losses	805	-1,620	970	-1,350	-635	2,165	545	555	350	484
Net interest income after provision	73,810	71,654	74,832	61,426	49,470	42,792	40,489	38,013	33,830	31,041
Noninterest income	7,114	6,555	6,631	5,571	5,426	4,815	5,047	4,712	5,976	4,413
Noninterest expense	50,274	46,017	41,157	37,308	33,219	29,864	28,847	27,378	24,565	24,315
Interest expense	·	·	4,864	1,119	971	1,153	1,568	1,606	1,065	764
Income before income taxes	30,650	32,192	40,306	29,689	21,677	17,743	16,689	15,347	15,241	11,139
Income tax expense	6,737	7,244	9,458	6,787	5,340	4,056	4,200	3,810	6,147	3,474
Net income	23,913	24,948	30,848	22,902	16,337	13,687	12,489	11,537	9,094	7,665
Earnings per share, basic	2.90	3.04	3.76	2.80	2.01	1.68	1.54	1.43	1.13	0.95
Earnings per share, diluted	2.88	3.02	3.75	2.79	2.00	1.68	1.54	1.42	1.13	0.95
Earnings per share, basic and diluted	·	·	·	·	2.01	1.68	1.54	1.43	1.13	0.95
Weighted average shares, basic	8,243,285	8,218,846	8,193,874	8,169,078	8,145,028	8,123,386	8,102,442	8,081,482	8,060,686	8,047,046
Weighted average shares, diluted	8,291,901	8,258,857	8,230,892	8,204,769	8,178,740	8,138,528	8,116,627	8,100,098	8,081,497	8,082,657

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaid

us-gaap:ProvisionForLoanLeaseAndOtherLosses
us-gaap:ProvisionForLoanLossesExpensed

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before tax

us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Earnings per share, basic and diluted net income per share, where both counts are the sameus-gaap:EarningsPerShareBasicAndDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton OVLY · research, not advice