Oak Valley Bancorp (OVLY)
State Commercial Banks · Financial Services · $284M
Intrinsic Value (Consensus)
$40.65
Current Price
$33.73
Margin of Safety
+20.5%
20.5% Below Intrinsic Value
Value: $41
Price: $34
Valuation Model Estimates
Current Price: $33.73
DCF (Discounted Cash Flow)
$37.01
Graham Number
$40.02
Earnings Power Value
$27.96
Relative Value (P/E)
$57.60
Dividend Discount Model
$4.52
Consensus Value
$40.65
Model Assumptions
Discount Rate
10.3%
Growth Rate
2.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
58
Profitability
18/25
Strength
17/25
Valuation
19/25
Growth
4/25
Financial Health Signals
High free cash flow yield (8.7%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $2.88
- EPS (Forward)
- $2.94
- Book Value
- $24.72
- P/E Ratio
- 20.0
- Forward P/E
- 19.6
- PEG Ratio
- —
- ROE
- 11.5%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 2.0%
- Dividend Yield
- 0.7%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance