Oak Valley Bancorp (OVLY) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	84.3M	81.7M	89.4M	87.3M	66.8M
Cost of Revenue	1.4M	805.0K	11.2M	5.8M	(231.0K)
Gross Profit	82.9M	80.9M	78.2M	81.5M	67.0M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	35.9M	30.8M	28.6M	26.1M	23.0M
General & Admin Expense	27.1M	30.8M	28.6M	26.1M	23.0M
Selling & Marketing Expense	8.8M	—	—	—	—
Other Expenses	17.4M	19.4M	17.4M	15.0M	14.3M
Total Operating Expenses	53.3M	50.3M	46.0M	41.2M	37.3M
Cost and Expenses	54.7M	51.1M	57.3M	47.0M	37.1M
Operating Income (EBIT)	29.6M	30.6M	32.2M	40.3M	29.7M
Non-Operating
Interest Income	66.1M	87.9M	82.9M	80.7M	61.2M
Interest Expense	8.9M	13.3M	12.9M	4.9M	1.1M
Net Interest Income	57.2M	74.6M	70.0M	75.8M	60.1M
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	29.6M	30.6M	32.2M	40.3M	29.7M
Income Tax Expense	6.4M	6.7M	7.2M	9.5M	6.8M
Bottom Line
Net Income	23.2M	23.9M	24.9M	30.8M	22.9M
Earnings from Cont. Ops	23.2M	23.9M	24.9M	30.8M	22.9M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	23.2M	23.9M	24.9M	30.8M	22.9M
Per Share
Basic EPS	$2.81	$2.90	$3.04	$3.76	$2.80
Diluted EPS	$2.78	$2.88	$3.02	$3.75	$2.79
Revenue Per Share	$10.19	$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	30.2M	31.8M	33.3M	41.4M	30.8M
D&A	659.0K	1.1M	1.1M	1.1M	1.2M
EBIT	29.6M	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 Sep 1, 2026