Oak Valley Bancorp (OVLY) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	87.2M	81.7M	89.4M	87.3M	66.8M
Cost of Revenue	4.6M	805.0K	11.2M	5.8M	(231.0K)
Gross Profit	82.5M	80.9M	78.2M	81.5M	67.0M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	44.7M	30.8M	28.6M	26.1M	23.0M
General & Admin Expense	35.9M	30.8M	28.6M	26.1M	23.0M
Selling & Marketing Expense	8.8M	—	—	—	—
Other Expenses	7.9M	19.4M	17.4M	15.0M	14.3M
Total Operating Expenses	52.6M	50.3M	46.0M	41.2M	37.3M
Cost and Expenses	57.2M	51.1M	57.3M	47.0M	37.1M
Operating Income (EBIT)	29.9M	30.6M	32.2M	40.3M	29.7M
Non-Operating
Interest Income	88.7M	87.9M	82.9M	80.7M	61.2M
Interest Expense	12.2M	13.3M	12.9M	4.9M	1.1M
Net Interest Income	76.4M	74.6M	70.0M	75.8M	60.1M
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	29.9M	30.6M	32.2M	40.3M	29.7M
Income Tax Expense	6.5M	6.7M	7.2M	9.5M	6.8M
Bottom Line
Net Income	23.5M	23.9M	24.9M	30.8M	22.9M
Earnings from Cont. Ops	23.5M	23.9M	24.9M	30.8M	22.9M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	23.5M	23.9M	24.9M	30.8M	22.9M
Per Share
Basic EPS	$2.84	$2.90	$3.04	$3.76	$2.80
Diluted EPS	$2.82	$2.88	$3.02	$3.75	$2.79
Revenue Per Share	$10.54	$9.91	$10.88	$10.65	$8.17
Shares
Basic Shares Outstanding	8.3M	8.2M	8.2M	8.2M	8.2M
Diluted Shares Outstanding	8.3M	8.3M	8.3M	8.2M	8.2M
Profitability Metrics
EBITDA	30.9M	31.8M	33.3M	41.4M	30.8M
D&A	930.0K	1.1M	1.1M	1.1M	1.2M
EBIT	29.9M	30.6M	32.2M	40.3M	29.7M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026