OAKV Stock Overview

Operates as the bank holding company for Oak View National Bank that provides banking services for individual and corporate customers in the counties of Marshall, Warrenton, Culpeper, and Rappahannock, and Virginia. More details

OAKV fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	4/6
Financial Health	4/6
Dividends	1/6

Rewards

Trading at 14.4% below our estimate of its fair value

Earnings grew by 26.4% over the past year

Risk Analysis

Does not have a meaningful market cap ($43M)

My Notes

Capture your thoughts, links and company narrative

Oak View Bankshares, Inc. Competitors

Solera National Bancorp

OTCPK:SLRK

US$40.0m

Chino Commercial Bancorp

OTCPK:CCBC

US$43.4m

RBAZ Bancorp

OTCPK:RBAZ

US$36.3m

Brunswick Bancorp

OTCPK:BRBW

US$45.5m

Price History & Performance

Summary of share price highs, lows and changes for Oak View Bankshares
Historical stock prices
Current Share Price	US$14.63
52 Week High	US$16.00
52 Week Low	US$8.60
Beta	0.22
1 Month Change	0.91%
3 Month Change	6.42%
1 Year Change	67.23%
3 Year Change	66.28%
5 Year Change	54.84%
Change since IPO	265.81%

Recent updates

Shareholder Returns

	OAKV	US Banks	US Market
7D	1.5%	-1.1%	-0.4%
1Y	67.2%	29.5%	24.8%

Return vs Industry: OAKV exceeded the US Banks industry which returned 29.3% over the past year.

Return vs Market: OAKV exceeded the US Market which returned 23.9% over the past year.

Price Volatility

Is OAKV's price volatile compared to industry and market?
OAKV volatility
OAKV Average Weekly Movement	4.6%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	3.1%

Stable Share Price: OAKV has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine OAKV's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2009	n/a	Mike Ewing	www.oakviewbank.com

Oak View Bankshares, Inc. operates as the bank holding company for Oak View National Bank that provides banking services for individual and corporate customers in the counties of Marshall, Warrenton, Culpeper, and Rappahannock, and Virginia. It offers checking, savings, money market, and retirement accounts; certificates of deposit; and certificate of deposit account registry services. The company also provides commercial lending services, including commercial lines of credit, commercial term loans, commercial real estate loans, and long-term loan programs; consumer loans; home equity loans; home equity lines of credit; home mortgages and refinances; church loans; and municipal leasing programs.

Oak View Bankshares, Inc. Fundamentals Summary

How do Oak View Bankshares's earnings and revenue compare to its market cap?
OAKV fundamental statistics
Market cap	US$43.03m
Earnings (TTM)	US$5.61m
Revenue (TTM)	US$19.07m

7.6x

P/E Ratio

1.1x

P/B Ratio

Is OAKV overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
OAKV income statement (TTM)
Revenue	US$19.07m
Cost of Revenue	US$0
Gross Profit	US$19.07m
Other Expenses	US$13.46m
Earnings	US$5.61m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.92
Gross Margin	100.00%
Net Profit Margin	29.40%
Debt/Equity Ratio	169.7%

How did OAKV perform over the long term?

See historical performance and comparison

Dividends

1.4%

Current Dividend Yield

14%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/24 11:00
End of Day Share Price	2024/12/24 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Oak View Bankshares, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution

Oak View Bankshares OTCPK:OAKV Stock Report