All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2018-03-26.
From the record
Oak Valley Bancorp's filings since 2017 show 1 warning event: an auditor change (8-K item 4.01, the latest 2018-03-26) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+11.8% a year over 10 filed years; profitable in 10 of 10.
From the record
Oak Valley Bancorp's 10 filed years say what it did: revenue went from $32 million in fiscal 2016 to $88 million in fiscal 2025, up 11.8% a year; it rose in 9 of 9 years; it never fell from a peak; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 0.4% a year. 13% of cash flow returned. Insiders: 9 sales, 26 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Oak Valley Bancorp's diluted share count grew about 0.4% a year, and dividends and buybacks returned about 13% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 9 sales (8 under scheduled 10b5-1 plans) and 26 purchases of their own stock on the open market in the year to 2026-10-29, buying about $207 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 11%: 11¢ of profit per shareholder dollar. Leverage 90%: owes 90¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Oak Valley Bancorp earned about 11 cents of profit for every dollar of shareholders' money. Leverage: it owed about 90 cents per dollar of assets, and net share issuance: its share count grew 0.4% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 37% of 155 in its family; net margin 27.2%.
From the record
Oak Valley Bancorp's standing among 155 graded names in its industry family: revenue of $88 million in fiscal 2025 ranks in the bottom 10% by size; a net margin of 27.2% ranks in the top 23%; revenue growth of 12.8% a year over the last 3 filed years ranks in the bottom 25% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 21% of 150 in its family for leadership; chief executive since 2014.
From the record
Oak Valley Bancorp's leadership, from its insiders' filings and its current reports: the chief executive on the record is Courtney, Christopher M. (CEO, as filed), filing under that title since 2014-02-19, 12.7 years (top 21% of its family); the 19 officers and directors filing in the last fifteen months have been on the record a median of 9.7 years (top 20%); 3 officer or director changes were reported on Form 8-K since 2023-11-13, against the 19 people in charge now (top 22%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 20% of 142 in its family for room to expand.
From the record
Oak Valley Bancorp's room to grow, from the newest filed statements (fiscal 2025): cash of $232 million against no long-term debt tagged leaves 11.5% of its assets as net cash, top 7% of its family; cash from operations less capital spending is 27.9% of revenue (top 33%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 42% of 152 in its family for growth drivers.
From the record
Oak Valley Bancorp's growth drivers, from the filed years to fiscal 2025: revenue grew 12.8% a year over the last three filed years against 11.8% over all 10, speeding up (bottom 33% of its family); the newest year grew 6.1% (top 44%); capital spending grew 51.1% a year (top 16%) (its annual reports). Oak Valley Bancorp tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 36% of 150 in its family for expectations against reality.
From the record
Oak Valley Bancorp's newest year against its own record: revenue of $88 million in fiscal 2025 came in 8.9% below the $96 million its prior three years' pace pointed to (top 28% of its family); net income of $24 million against a prior three-year average of $26 million (bottom 17%); a net margin of 27.2% against 35.3% before (bottom 18%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made