OAKV Stock Overview
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 Fauquier, Culpeper, and Rappahannock, Virginia.
Oak View Bankshares Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$9.05|
|52 Week High||US$10.05|
|52 Week Low||US$8.51|
|1 Month Change||-4.74%|
|3 Month Change||n/a|
|1 Year Change||3.43%|
|3 Year Change||-4.74%|
|5 Year Change||23.97%|
|Change since IPO||126.25%|
Recent News & Updates
|OAKV||US Banks||US Market|
Return vs Industry: OAKV exceeded the US Banks industry which returned -24.9% over the past year.
Return vs Market: OAKV exceeded the US Market which returned -23.7% over the past year.
|OAKV Average Weekly Movement||n/a|
|Banks Industry Average Movement||3.4%|
|Market Average Movement||6.9%|
|10% most volatile stocks in US Market||15.7%|
|10% least volatile stocks in US Market||2.8%|
Stable Share Price: Insufficient data to determine OAKV's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine OAKV's volatility change over the past year.
About the Company
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 Fauquier, Culpeper, and Rappahannock, Virginia. It offers checking, savings, money market, and retirement accounts; certificates of deposit; and CDARs. The company also provides commercial lending services, including small business administration loan programs, 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 Fundamentals Summary
|OAKV fundamental statistics|
Is OAKV overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|OAKV income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
|Earnings per share (EPS)||0.84|
|Net Profit Margin||20.93%|
How did OAKV perform over the long term?See historical performance and comparison
0.6%Current Dividend Yield
Is OAKV undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 3/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for OAKV?
Other financial metrics that can be useful for relative valuation.
|What is OAKV's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does OAKV's PE Ratio compare to its peers?
|OAKV PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
MNBP Mars Bancorp
HCBN HCB Financial
FRFC First Robinson Financial
OAKV Oak View Bankshares
Price-To-Earnings vs Peers: OAKV is good value based on its Price-To-Earnings Ratio (10.8x) compared to the peer average (11.4x).
Price to Earnings Ratio vs Industry
How does OAKV's PE Ratio compare vs other companies in the US Banks Industry?
Price-To-Earnings vs Industry: OAKV is expensive based on its Price-To-Earnings Ratio (10.8x) compared to the US Banks industry average (9.6x)
Price to Earnings Ratio vs Fair Ratio
What is OAKV's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||10.8x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate OAKV's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of OAKV when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: OAKV ($9.05) is trading below our estimate of fair value ($11.47)
Significantly Below Fair Value: OAKV is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Insufficient data to show price forecast.
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How is Oak View Bankshares forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Oak View Bankshares has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
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- Examine whether Oak View Bankshares is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Oak View Bankshares's filings and announcements here.
How has Oak View Bankshares performed over the past 5 years?
Past Performance Score2/6
Past Performance Score 2/6
Growing Profit Margin
Earnings vs Industry
Last years earnings growth
Earnings and Revenue History
Quality Earnings: OAKV has high quality earnings.
Growing Profit Margin: OAKV's current net profit margins (20.9%) are lower than last year (22.7%).
Past Earnings Growth Analysis
Earnings Trend: Unable to establish if OAKV's year-on-year earnings growth rate was positive over the past 5 years as it has been trading publicly for less than 3 years.
Accelerating Growth: Unable to compare OAKV's past year earnings growth to its 5-year average as it has been trading publicly for less than 3 years.
Earnings vs Industry: OAKV earnings growth over the past year (22.5%) exceeded the Banks industry 8.5%.
Return on Equity
High ROE: OAKV's Return on Equity (8.6%) is considered low.
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How is Oak View Bankshares's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: OAKV's Assets to Equity ratio (12.1x) is moderate.
Allowance for Bad Loans: OAKV has a sufficient allowance for bad loans (89126%).
Low Risk Liabilities: 95% of OAKV's liabilities are made up of primarily low risk sources of funding.
Loan Level: OAKV has an appropriate level of Loans to Assets ratio (72%).
Low Risk Deposits: OAKV's Loans to Deposits ratio (83%) is appropriate.
Level of Bad Loans: OAKV has an appropriate level of bad loans (0%).
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What is Oak View Bankshares's current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
|Oak View Bankshares Dividend Yield vs Market|
|Company (Oak View Bankshares)||0.6%|
|Market Bottom 25% (US)||1.7%|
|Market Top 25% (US)||4.7%|
|Industry Average (Banks)||3.4%|
|Analyst forecast in 3 Years (Oak View Bankshares)||n/a|
Notable Dividend: OAKV's dividend (0.55%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.67%).
High Dividend: OAKV's dividend (0.55%) is low compared to the top 25% of dividend payers in the US market (4.68%).
Stability and Growth of Payments
Stable Dividend: OAKV is not paying a notable dividend for the US market, therefore no need to check if payments are stable.
Growing Dividend: OAKV is not paying a notable dividend for the US market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Earnings Coverage: OAKV is not paying a notable dividend for the US market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of OAKV's dividend in 3 years as they are not forecast to pay a notable one for the US market.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mike Ewing (63 yo)
Mr. Michael A. Ewing, also known as Mike, serves as the Chief Executive Officer of Oak View Bankshares, Inc. (also known as "Oak View National Bank") and serves as its Vice Chairman since May 2022 and serv...
Experienced Management: OAKV's management team is seasoned and experienced (5.2 years average tenure).
Experienced Board: OAKV's board of directors are seasoned and experienced ( 13.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
|Owner Type||Number of Shares||Ownership Percentage|
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Oak View Bankshares, Inc.'s employee growth, exchange listings and data sources
- Name: Oak View Bankshares, Inc.
- Ticker: OAKV
- Exchange: OTCPK
- Founded: 2009
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$26.760m
- Shares outstanding: 2.96m
- Website: https://www.oakviewbank.com
- Oak View Bankshares, Inc.
- 128 Broadview Avenue
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|OAKV||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Jul 2012|
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/09/27 00:00|
|End of Day Share Price||2022/09/27 00:00|
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.