Oak Valley Bancorp (OVLY) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 18.82M | 19.46M | 19.2M | 18.15M | 17.81M | 17.85M | 17.66M | 17.29M | 17.24M | 17.91M | 18.94M | 19.41M | 19.54M | 19.11M | 16.77M | 13.23M | 10.96M | 11.31M | 13.3M | 11.99M |
| NII Growth % | 5.71% | 9.03% | 8.73% | 4.98% | 3.28% | -0.37% | -6.77% | -10.9% | -11.78% | -6.28% | 12.91% | 46.66% | 78.34% | 69.01% | 26.14% | 10.39% | -10.49% | -6.75% | 16.07% | 7.55% |
| Net Interest Margin % | 0.94% | 0.96% | 0.96% | 0.95% | 0.93% | 0.94% | 0.93% | 0.94% | 0.95% | 0.97% | 1.03% | 1.04% | 1.01% | 0.97% | 0.85% | 0.66% | 0.56% | 0.58% | 0.72% | 0.68% |
| Interest Income | 20.78M | 22.87M | 22.52M | 21.42M | 21.12M | 21.51M | 21.15M | 20.25M | 19.99M | 20.22M | 20.35M | 20.1M | 20M | 19.45M | 17.06M | 13.48M | 11.2M | 11.54M | 13.54M | 12.25M |
| Interest Expense | 1.95M | 3.41M | 3.32M | 3.27M | 3.31M | 3.67M | 3.49M | 2.95M | 2.75M | 2.31M | 1.41M | 696K | 453K | 342K | 291K | 244K | 243K | 229K | 247K | 259K |
| Loan Loss Provision | -1.49M | -2.55M | -60K | 0 | 0 | 0 | -1.62M | 0 | 0 | 1.13M | 300K | 0 | -460K | -1.55M | 200K | 0 | 0 | -635K | 0 | 0 |
| Non-Interest Income | 0 | -1.59M | 1.97M | 1.7M | 1.61M | 1.43M | 1.85M | 1.76M | 1.52M | 1.75M | 1.57M | 1.66M | 1.66M | 1.42M | 1.61M | 1.37M | 1.17M | 1.54M | 1.3M | 1.41M |
| Non-Interest Income % | 0% | -7.45% | 8.06% | 7.36% | 7.1% | 6.23% | 8.03% | 8% | 7.06% | 7.99% | 7.15% | 7.61% | 7.64% | 6.81% | 8.63% | 9.23% | 9.44% | 11.8% | 8.78% | 10.29% |
| Total Revenue | 20.78M | 21.28M | 24.49M | 23.12M | 22.73M | 22.94M | 22.99M | 22M | 21.51M | 21.97M | 21.91M | 21.76M | 21.65M | 20.88M | 18.67M | 14.85M | 12.37M | 13.08M | 14.85M | 13.65M |
| Revenue Growth % | -8.59% | -7.24% | 6.52% | 5.09% | 5.66% | 4.41% | 4.91% | 1.14% | -0.65% | 5.25% | 17.36% | 46.54% | 75.04% | 59.59% | 25.78% | 8.76% | -9.4% | -4.17% | 14.58% | 9.43% |
| Non-Interest Expense | 13.51M | 12.26M | 12.7M | 12.69M | 12.62M | 11.55M | 11.32M | 11.62M | 11.53M | 10.76M | 10.58M | 10.06M | 9.76M | 9.61M | 9.37M | 9.21M | 9.12M | 8.88M | 8.41M | 8.21M |
| Efficiency Ratio | 65.01% | 57.62% | 51.86% | 54.87% | 55.54% | 50.34% | 49.25% | 52.79% | 53.6% | 48.96% | 48.27% | 46.25% | 45.06% | 46.04% | 50.18% | 61.99% | 73.75% | 67.86% | 56.63% | 60.17% |
| Operating Income | 6.81M | 8.15M | 8.53M | 7.17M | 6.8M | 7.73M | 9.8M | 7.44M | 7.23M | 7.78M | 9.63M | 11M | 11.9M | 12.47M | 8.81M | 5.4M | 3M | 4.61M | 6.19M | 5.18M |
| Operating Margin % | 32.76% | 38.32% | 34.83% | 31% | 29.9% | 33.68% | 42.61% | 33.79% | 33.62% | 35.4% | 43.92% | 50.56% | 54.97% | 59.74% | 47.19% | 36.36% | 24.29% | 35.24% | 41.71% | 37.93% |
| Operating Income Growth % | 0.15% | 5.53% | -12.93% | -3.59% | -6.02% | -0.66% | 1.78% | -32.4% | -39.24% | -37.63% | 9.22% | 103.74% | 296.17% | 170.54% | 42.33% | 4.27% | -47.28% | -19.21% | 24.11% | 50.74% |
| Pretax Income | 6.81M | 8.15M | 8.53M | 7.17M | 6.8M | 7.73M | 9.8M | 7.44M | 7.23M | 7.78M | 9.63M | 11M | 11.9M | 12.47M | 8.81M | 5.4M | 3M | 4.61M | 6.19M | 5.18M |
| Pretax Margin % | 32.76% | 38.32% | 34.83% | 31% | 29.9% | 33.68% | 42.61% | 33.79% | 33.62% | 35.4% | 43.92% | 50.56% | 54.97% | 59.74% | 47.19% | 36.36% | 24.29% | 35.24% | 41.71% | 37.93% |
| Income Tax | 1.5M | 1.82M | 1.84M | 1.58M | 1.5M | 1.72M | 2.47M | 1.55M | 1.5M | 1.91M | 2.27M | 2.6M | 2.68M | 3M | 2.01M | 1.14M | 635K | 1.14M | 1.64M | 1.22M |
| Effective Tax Rate % | 22% | 22.32% | 21.54% | 22.05% | 22.06% | 22.26% | 25.24% | 20.8% | 20.8% | 24.6% | 23.6% | 23.6% | 22.49% | 24.03% | 22.84% | 21.13% | 21.14% | 24.79% | 26.45% | 23.52% |
| Net Income | 5.31M | 6.33M | 6.69M | 5.59M | 5.3M | 6.01M | 7.32M | 5.89M | 5.73M | 5.87M | 7.35M | 8.4M | 9.22M | 9.47M | 6.8M | 4.26M | 2.37M | 3.47M | 4.55M | 3.96M |
| Net Margin % | 25.55% | 29.77% | 27.33% | 24.17% | 23.31% | 26.19% | 31.85% | 26.76% | 26.62% | 26.69% | 33.56% | 38.62% | 42.61% | 45.39% | 36.41% | 28.68% | 19.15% | 26.5% | 30.67% | 29.01% |
| Net Income Growth % | 0.23% | 5.44% | -8.62% | -5.11% | -7.51% | 2.44% | -0.41% | -29.93% | -37.92% | -38.1% | 8.15% | 97.37% | 289.4% | 173.29% | 49.32% | 7.53% | -45.63% | -25.42% | 21.5% | 53.43% |
| Net Income (Continuing) | 5.31M | 6.33M | 6.69M | 5.59M | 5.3M | 6.01M | 7.32M | 5.89M | 5.73M | 5.87M | 7.35M | 8.4M | 9.22M | 9.47M | 6.8M | 4.26M | 2.37M | 3.47M | 4.55M | 3.96M |
| EPS (Diluted) | 0.64 | 0.76 | 0.81 | 0.67 | 0.64 | 0.73 | 0.89 | 0.71 | 0.69 | 0.71 | 0.89 | 1.02 | 1.12 | 1.15 | 0.83 | 0.52 | 0.29 | 0.42 | 0.56 | 0.48 |
| EPS Growth % | 0% | 4.11% | -8.99% | -5.63% | -7.25% | 2.82% | 0% | -30.39% | -38.39% | -38.26% | 7.23% | 96.15% | 286.21% | 173.81% | 48.21% | 8.33% | -45.28% | -26.32% | 21.74% | 50% |
| EPS (Basic) | 0.64 | 0.77 | 0.81 | 0.68 | 0.64 | 0.73 | 0.89 | 0.72 | 0.70 | 0.72 | 0.90 | 1.03 | 1.13 | 1.16 | 0.83 | 0.52 | 0.29 | 0.43 | 0.56 | 0.49 |
| Diluted Shares Outstanding | 8.32M | 8.3M | 8.3M | 8.29M | 8.28M | 8.28M | 8.26M | 8.25M | 8.24M | 8.24M | 8.23M | 8.23M | 8.23M | 8.21M | 8.21M | 8.2M | 8.2M | 8.25M | 8.18M | 8.18M |