OVLY – Dividend Returns, History & Calculator

Dividend Contender 12 Years

Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank that provides a range of commercial banking services to individuals and small to medium-sized businesses in the Central Valley and the Eastern Sierras. The company's deposits

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Company Info

Symbol OVLY

Company Oak Valley Bancorp (CA)

Sector Financial Services

Industry Banks - Regional

Website Visit

Market Cap $237.6M

Price Data

Price $28.32

Price Change +0.20

Price Change % +0.71%

Next Earnings Report Jan 23, 2026

Low (52W) $22.70

High (52W) $32.24

Dividend Data

Div Yield 2.12%

5Y Avg Yield 1.78%

Current Div $0.300

Payouts/Year 2

Annualized $0.600

Previous Div $0.300

Ex-date Jul 28, 2025

Dividend Pay Date Aug 8, 2025

Growth Rates

Chowder Number 18.6

DGR 1Y 33.3%

DGR 3Y 26.0%

DGR 5Y 16.5%

DGR 10Y 11.1%

Total Returns

TTR 1Y - With Specials 2.5%

TTR 3Y - With Specials 15.1%

TTR 1Y - No Specials 2.5%

TTR 3Y - No Specials 15.1%

Fair Value

Fair Value (P/E 10) $19.35

FV (P/E 10) % 46.0%

Fair Value (Peter Lynch) $14.20

FV (Peter Lynch) % 99.0%

Financial Metrics

NPM 29.6%

P/E 10.0x

P/BV 1.3x

📊 Financial data last updated: November 10, 2025 1:29 pm (Data may be stale)

Calculate your OVLY Dividend Returns

Quickly and easily calculate OVLY dividend yield using our OVLY calculator. Adjust the fields below to see how your OVLY investments snowball over time.

Initial Investment: The lump sum you’re investing on day 1. Share Price: The current market price of one share. Dividend Amount (per payout): Enter the dividend paid per share each payout (e.g., quarterly for many ETFs). Annual yield is computed from this and the selected frequency. Dividend Frequency: How often you receive dividends (e.g. quarterly). Dividend Growth Rate: The yearly increase in dividend payouts (as a percentage). Share Price Growth: Expected annual increase in share price over time. Extra Investment: The amount you invest regularly (e.g. each month). Extra Invest Frequency: How often your extra investment is made (e.g. monthly). Length of Investment: How long you plan to keep investing and compounding.

Show Idealized Scenario (Assumes all future extra investments and dividends are made on Day 1 and reinvested instantly — this creates a best-case scenario for compounding growth.)

Portfolio Growth Over Time

Data last updated: November 27, 2025 2:30 am

Year-by-Year Portfolio Growth (Realistic DRIP Scenario)

Year	Start Balance	Start Shares	Share Price	Dividend / Share	Dividend Yield	Yield on Cost	Annual Dividend	Total Dividends	End Shares	End Balance
1	$10,000	355	$28.16	$0.30	2.13%	2.13%	$233	$233	406	$11,433
2	$12,701	406	$31.28	$0.33	2.10%	2.34%	$287	$521	454	$14,188
3	$15,761	454	$34.75	$0.36	2.07%	2.56%	$347	$868	498	$17,308
4	$19,227	498	$38.60	$0.39	2.05%	2.80%	$414	$1,282	540	$20,841
5	$23,151	540	$42.88	$0.43	2.02%	3.07%	$488	$1,770	579	$24,839
6	$27,592	579	$47.63	$0.47	1.99%	3.37%	$570	$2,340	616	$29,362
7	$32,617	616	$52.91	$0.52	1.96%	3.69%	$662	$3,002	652	$34,479
8	$38,301	652	$58.78	$0.57	1.94%	4.05%	$764	$3,766	685	$40,265
9	$44,728	685	$65.29	$0.62	1.91%	4.43%	$877	$4,642	717	$46,805
10	$51,993	717	$72.53	$0.68	1.89%	4.86%	$1,003	$5,645	747	$54,196

OVLY Dividend History

Ex-Date	Payment Date	Amount	TTM Yield	Forward Yield	Price on Ex-Date
07/28/2025	07/28/2025	$0.300	3.81%	2.18%	$27.57
02/03/2025	02/03/2025	$0.300	3.57%	2.35%	$25.49
07/29/2024	07/29/2024	$0.225	2.85%	1.66%	$27.05
01/26/2024	01/26/2024	$0.225	2.53%	1.64%	$27.42
07/28/2023	07/28/2023	$0.160	2.27%	1.17%	$27.33
01/27/2023	01/27/2023	$0.160	2.44%	1.29%	$24.80
07/29/2022	07/29/2022	$0.150	3.28%	1.67%	$17.99
01/28/2022	01/28/2022	$0.150	3.25%	1.68%	$17.85
07/30/2021	07/30/2021	$0.145	3.26%	1.66%	$17.48
01/29/2021	01/29/2021	$0.145	3.60%	1.87%	$15.55
07/31/2020	07/31/2020	$0.140	4.30%	2.19%	$12.80
01/31/2020	01/31/2020	$0.140	2.92%	1.51%	$18.50
07/26/2019	07/26/2019	$0.135	2.78%	1.41%	$19.09
01/25/2019	01/25/2019	$0.135	2.89%	1.50%	$18.00
07/27/2018	07/27/2018	$0.130	2.30%	1.17%	$22.15
01/26/2018	01/26/2018	$0.130	2.31%	1.20%	$21.60
07/27/2017	07/27/2017	$0.125	3.20%	1.63%	$15.30
01/26/2017	01/26/2017	$0.125	3.31%	1.74%	$14.35
07/28/2016	07/28/2016	$0.120	4.50%	2.40%	$10.00
01/28/2016	01/28/2016	$0.120	4.14%	2.52%	$9.54

Page 1 of 1

OVLY 10-yr Total Return ($10,000 invested)

This analysis of OVLY demonstrates the power of dividend reinvestment over a 10-year period with a $10,000 initial investment. The dividend reinvestment strategy delivered a 13.9% CAGR, representing strong long-term performance. Recent 5-year performance has been particularly strong at 18.9% annually, outpacing the 10-year average. The DRIP strategy provided 19% more total return compared to collecting dividends as cash, highlighting the compounding effect of reinvestment.

With DRIP No DRIP

Date	With DRIP	No DRIP	DRIP Advantage	Dividend
2016-01-28	$10,126	$10,126	$0	$0.120
2016-07-28	$10,741	$10,734	$8	$0.120
2017-01-26	$15,548	$15,425	$124	$0.125
2017-07-27	$16,713	$16,551	$162	$0.125
2018-01-26	$23,737	$23,291	$445	$0.130
2018-07-27	$24,484	$24,004	$480	$0.130
2019-01-25	$20,046	$19,796	$250	$0.135
2019-07-26	$21,410	$21,080	$331	$0.135
2020-01-31	$20,905	$20,608	$298	$0.140
2020-07-31	$14,623	$14,780	$-157	$0.140
2021-01-29	$17,930	$17,814	$115	$0.145
2021-07-30	$20,322	$19,990	$333	$0.145
2022-01-28	$20,927	$20,535	$392	$0.150
2022-07-29	$21,267	$20,839	$428	$0.150
2023-01-27	$29,506	$28,145	$1,362	$0.160
2023-07-28	$32,707	$30,964	$1,743	$0.160
2024-01-26	$33,084	$31,295	$1,789	$0.225
2024-07-29	$32,909	$31,143	$1,766	$0.225
2025-02-03	$31,376	$29,822	$1,554	$0.300
2025-07-28	$34,306	$32,317	$1,989	$0.300

Total Return with and without DRIP (OVLY)

Over the selected period, investing $10,000 in OVLY would grow to $40,818 with DRIP (308.2%), and $37,891 without DRIP (278.9%).

OVLY Dividend Reinvestment Snowball

Investing $10,000 + $100/mo in OVLY with historic price growth (11.08%) and dividend growth (9.60%) produces dramatically different outcomes depending on whether you reinvest dividends.

After 20 Years

Your Investment: $34,000

With DRIP

Portfolio: $220,079

Annual Dividend: $3,580

Yield on Cost: 10.53%

Total Dividends: $25,724

No DRIP

Portfolio: $185,297

Total Dividends: $21,037

After 30 Years

Your Investment: $46,000

With DRIP

Portfolio: $749,295

Annual Dividend: $10,650

Yield on Cost: 23.15%

Total Dividends: $87,753

No DRIP

Portfolio: $555,417

Total Dividends: $64,096

Milestones on the way

By year 13, the compounding really starts to show. Your total dividends collected reach $9,306 against a total investment of $25,600. At this point, your portfolio is throwing off $1,584 per year in dividends alone.

By year 17, the annual dividend climbs to around your initial contribution. For a starting investment of $10,000, the yearly dividend now sits at approximately $2,544, a powerful “income on autopilot” milestone.

After two decades, cumulative dividends total $25,724 versus $34,000 invested, nearly a 76% recovery of capital purely from income. Yield on cost reaches 10.53%.

At year 25, the income engine takes over. The portfolio’s annual dividend of $6,218 is greater than total contributions to date ($40,000), and cumulative dividends exceed $48,508.

By year 30, the DRIP snowball is in full force. Yearly income reaches $10,650, cumulative dividends total $87,753, and the DRIP portfolio value stands at $749,295, compared with $555,417 if dividends weren’t reinvested.

How we estimate these numbers

We use the latest calculator inputs for OVLY, price $28.16, dividend per period $0.30 (2x/year), along with historic growth assumptions: price growth 11.08% and dividend growth 9.60% annually.

We simulate month by month for 30 years. Every month, a $100 contribution is added and converted to shares at that month’s price. Dividends are paid roughly evenly across the year based on the dividend frequency; in the DRIP path, each payout immediately buys additional shares at the then-current price. In the No-DRIP path, dividends accrue as cash. Prices grow using a monthly rate derived from the annual price growth. Dividends per share increase once per year at the annual dividend growth rate.

This model isn’t investment advice; it’s a simple, transparent framework that illustrates how reinvesting dividends can accelerate both income and total return over time.

Projected Future Returns & Dividends for OVLY

Dividend History: Payments & Yield

Shows quarterly dividend payments with trailing yield and a 5-year rolling average overlay. Use the range pills to switch the visible period.

Yield Dividend

Date	Dividend	Share Price	Yield %	TTM Dividend	TTM Yield %
2016-01-28	$0.1200	$9.54	1.26%	$0.3300	3.46%
2016-07-28	$0.1200	$10.00	1.20%	$0.4500	4.50%
2017-01-26	$0.1250	$14.35	0.87%	$0.4750	3.31%
2017-07-27	$0.1250	$15.30	0.82%	$0.4900	3.20%
2018-01-26	$0.1300	$21.60	0.60%	$0.5000	2.31%
2018-07-27	$0.1300	$22.15	0.59%	$0.5100	2.30%
2019-01-25	$0.1350	$18.00	0.75%	$0.5200	2.89%
2019-07-26	$0.1350	$19.09	0.71%	$0.5300	2.78%
2020-01-31	$0.1400	$18.50	0.76%	$0.5400	2.92%
2020-07-31	$0.1400	$12.80	1.09%	$0.5500	4.30%
2021-01-29	$0.1450	$15.55	0.93%	$0.5600	3.60%
2021-07-30	$0.1450	$17.48	0.83%	$0.5700	3.26%
2022-01-28	$0.1500	$17.85	0.84%	$0.5800	3.25%
2022-07-29	$0.1500	$17.99	0.83%	$0.5900	3.28%
2023-01-27	$0.1600	$24.80	0.65%	$0.6050	2.44%
2023-07-28	$0.1600	$27.33	0.59%	$0.6200	2.27%
2024-01-26	$0.2250	$27.42	0.82%	$0.6950	2.53%
2024-07-29	$0.2250	$27.05	0.83%	$0.7700	2.85%
2025-02-03	$0.3000	$25.49	1.18%	$0.9100	3.57%
2025-07-28	$0.3000	$27.57	1.09%	$1.0500	3.81%

Dividend Growth

Lifetime quarterly dividend amounts, with range controls for 1Y/2Y/5Y/10Y. Useful to visualize the cadence and pace of dividend increases over time.

Dividend

Date	Dividend	Share Price	Yield %	QoQ Change
2016-01-28	$0.1200	$9.54	1.26%	N/A
2016-07-28	$0.1200	$10.00	1.20%	+0.0%
2017-01-26	$0.1250	$14.35	0.87%	+4.2%
2017-07-27	$0.1250	$15.30	0.82%	+0.0%
2018-01-26	$0.1300	$21.60	0.60%	+4.0%
2018-07-27	$0.1300	$22.15	0.59%	+0.0%
2019-01-25	$0.1350	$18.00	0.75%	+3.8%
2019-07-26	$0.1350	$19.09	0.71%	+0.0%
2020-01-31	$0.1400	$18.50	0.76%	+3.7%
2020-07-31	$0.1400	$12.80	1.09%	+0.0%
2021-01-29	$0.1450	$15.55	0.93%	+3.6%
2021-07-30	$0.1450	$17.48	0.83%	+0.0%
2022-01-28	$0.1500	$17.85	0.84%	+3.4%
2022-07-29	$0.1500	$17.99	0.83%	+0.0%
2023-01-27	$0.1600	$24.80	0.65%	+6.7%
2023-07-28	$0.1600	$27.33	0.59%	+0.0%
2024-01-26	$0.2250	$27.42	0.82%	+40.6%
2024-07-29	$0.2250	$27.05	0.83%	+0.0%
2025-02-03	$0.3000	$25.49	1.18%	+33.3%
2025-07-28	$0.3000	$27.57	1.09%	+0.0%

Dividend Payments & Yield

Quarterly dividends with TTM yield and a 5âyear rolling average overlay. Helps compare current yield versus recent history across different ranges.

Dividend 5-yr Rolling AVG Yield

Date	Dividend	TTM Yield	5-yr Avg Yield	YoY Change
2016-01-28	$0.1200	3.46%	3.46%	N/A
2016-07-28	$0.1200	4.50%	3.98%	N/A
2017-01-26	$0.1250	3.31%	3.76%	43.9%
2017-07-27	$0.1250	3.20%	3.62%	8.9%
2018-01-26	$0.1300	2.31%	3.36%	5.3%
2018-07-27	$0.1300	2.30%	3.18%	4.1%
2019-01-25	$0.1350	2.89%	3.14%	4.0%
2019-07-26	$0.1350	2.78%	3.09%	3.9%
2020-01-31	$0.1400	2.92%	3.07%	3.9%
2020-07-31	$0.1400	4.30%	3.20%	3.8%
2021-01-29	$0.1450	3.60%	3.23%	3.7%
2021-07-30	$0.1450	3.26%	3.24%	3.6%
2022-01-28	$0.1500	3.25%	3.24%	3.6%
2022-07-29	$0.1500	3.28%	3.24%	3.5%
2023-01-27	$0.1600	2.44%	3.19%	4.3%
2023-07-28	$0.1600	2.27%	3.13%	5.1%
2024-01-26	$0.2250	2.53%	3.09%	14.9%
2024-07-29	$0.2250	2.85%	3.08%	24.2%
2025-02-03	$0.3000	3.57%	3.11%	30.9%
2025-07-28	$0.3000	3.81%	3.14%	36.4%

OVLY Dividend History

Ex-Date	Payment Date	Amount	TTM Yield	Forward Yield	Price on Ex-Date
07/28/2025	07/28/2025	$0.300	3.81%	2.18%	$27.57
02/03/2025	02/03/2025	$0.300	3.57%	2.35%	$25.49
07/29/2024	07/29/2024	$0.225	2.85%	1.66%	$27.05
01/26/2024	01/26/2024	$0.225	2.53%	1.64%	$27.42
07/28/2023	07/28/2023	$0.160	2.27%	1.17%	$27.33
01/27/2023	01/27/2023	$0.160	2.44%	1.29%	$24.80
07/29/2022	07/29/2022	$0.150	3.28%	1.67%	$17.99
01/28/2022	01/28/2022	$0.150	3.25%	1.68%	$17.85
07/30/2021	07/30/2021	$0.145	3.26%	1.66%	$17.48
01/29/2021	01/29/2021	$0.145	3.60%	1.87%	$15.55
07/31/2020	07/31/2020	$0.140	4.30%	2.19%	$12.80
01/31/2020	01/31/2020	$0.140	2.92%	1.51%	$18.50
07/26/2019	07/26/2019	$0.135	2.78%	1.41%	$19.09
01/25/2019	01/25/2019	$0.135	2.89%	1.50%	$18.00
07/27/2018	07/27/2018	$0.130	2.30%	1.17%	$22.15
01/26/2018	01/26/2018	$0.130	2.31%	1.20%	$21.60
07/27/2017	07/27/2017	$0.125	3.20%	1.63%	$15.30
01/26/2017	01/26/2017	$0.125	3.31%	1.74%	$14.35
07/28/2016	07/28/2016	$0.120	4.50%	2.40%	$10.00
01/28/2016	01/28/2016	$0.120	4.14%	2.52%	$9.54
07/16/2015	07/16/2015	$0.110	3.78%	2.22%	$9.92
01/15/2015	01/15/2015	$0.100	2.93%	2.02%	$9.90
07/10/2014	07/10/2014	$0.065	2.17%	1.31%	$9.90
01/02/2014	01/02/2014	$0.100	2.32%	2.32%	$8.62
02/13/2009	02/13/2009	$0.025	5.80%	1.00%	$5.00
11/17/2008	11/17/2008	$0.025	8.27%	0.91%	$5.50
08/27/2008	08/27/2008	$0.050	7.96%	1.33%	$7.50
08/24/2007	08/24/2007	$0.190	5.21%	3.62%	$10.50
08/02/2006	08/02/2006	$0.190	2.38%	2.53%	$15.00
08/01/2005	08/01/2005	$0.167	1.27%	2.53%	$13.17

Page 1 of 1

Dividend Payout Ratio

Tracks the percentage of earnings paid out as dividends each quarter. Lower and stable ratios often indicate safer, more sustainable payouts.

Payout Ratio

Dividend to Free Cash Flow Ratio

Shows dividends as a percentage of free cash flow. Consistently high values may signal limited reinvestment capacity or potential dividend risk.

Dividend/FCF Ratio

Date	Dividend/FCF Ratio	QoQ Change	YoY Change
2025-11-27	23.7%	N/A	N/A

Share Price

Historical closing price with range controls. Table view includes quarterâoverâquarter and yearâoverâyear changes for additional context.

OVLY Price

Date	Share Price	Price Change	QoQ Change	YoY Change
2016-01-28	$9.54	N/A	N/A	N/A
2016-07-28	$10.00	+$0.46	0.0%	N/A
2017-01-26	$14.35	+$4.35	4.2%	4.2%
2017-07-27	$15.30	+$0.95	0.0%	4.2%
2018-01-26	$21.60	+$6.30	4.0%	4.0%
2018-07-27	$22.15	+$0.55	0.0%	4.0%
2019-01-25	$18.00	$-4.15	3.9%	3.9%
2019-07-26	$19.09	+$1.09	0.0%	3.9%
2020-01-31	$18.50	$-0.59	3.7%	3.7%
2020-07-31	$12.80	$-5.70	0.0%	3.7%
2021-01-29	$15.55	+$2.75	3.6%	3.6%
2021-07-30	$17.48	+$1.93	0.0%	3.6%
2022-01-28	$17.85	+$0.37	3.5%	3.5%
2022-07-29	$17.99	+$0.14	0.0%	3.5%
2023-01-27	$24.80	+$6.81	6.7%	6.7%
2023-07-28	$27.33	+$2.53	0.0%	6.7%
2024-01-26	$27.42	+$0.09	40.6%	40.6%
2024-07-29	$27.05	$-0.37	0.0%	40.6%
2025-02-03	$25.49	$-1.56	33.3%	33.3%
2025-07-28	$27.57	+$2.08	0.0%	33.3%

Price to Earnings

Price to Sales

Revenue

Net Income

Revenue vs Net Income

Gross Profit

Operating Income

EBITDA

Operating Cash Flow

Free Cash Flow

Free Cash Flow / Share

Earnings Per Share (EPS)

Return on Equity (ROE)

Return on Assets (ROA)

Net Profit Margin

Gross Profit Margin

Cash & Debt

Shares Outstanding

Stock-Based Comp

FCF vs Stock Based Comp

FCF vs FCF / Share

Revenue: Actual + Estimates

This chart tracks OVLY revenue: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EPS: Actual + Estimates

This chart tracks OVLY eps: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Net Income: Actual + Estimates

This chart tracks OVLY net income: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EBITDA: Actual + Estimates

This chart tracks OVLY ebitda: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Disclaimer: The information on this page is for educational and entertainment purposes only and does not constitute financial advice. Do your own research and consult a qualified financial advisor before making investment decisions. Data sources include Yahoo Finance and other third-party providers and may contain errors or delays.

OVLY – Dividend Returns, History & Calculator

Company Info

Price Data

Dividend Data

Growth Rates

Total Returns

Fair Value

Financial Metrics

Calculate your OVLY Dividend Returns

Portfolio Growth Over Time

Year-by-Year Portfolio Growth (Realistic DRIP Scenario)

OVLY Dividend History

OVLY 10-yr Total Return ($10,000 invested)

Total Return with and without DRIP (OVLY)

OVLY Dividend Reinvestment Snowball

After 20 Years

After 30 Years

Milestones on the way

How we estimate these numbers

Projected Future Returns & Dividends for OVLY

Dividend History: Payments & Yield

Dividend Growth

Dividend Payments & Yield

OVLY Dividend History

Dividend Payout Ratio

Dividend to Free Cash Flow Ratio

Share Price

Price to Earnings

Price to Sales

Revenue

Net Income

Revenue vs Net Income

Gross Profit

Operating Income

EBITDA

Operating Cash Flow

Free Cash Flow

Free Cash Flow / Share

Earnings Per Share (EPS)

Return on Equity (ROE)

Return on Assets (ROA)

Net Profit Margin

Gross Profit Margin

Cash & Debt

Shares Outstanding

Stock-Based Comp

FCF vs Stock Based Comp

FCF vs FCF / Share

Revenue: Actual + Estimates

EPS: Actual + Estimates

Net Income: Actual + Estimates

EBITDA: Actual + Estimates

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