Is Oak Valley Bancorp (OVLY) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2024
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 41.3% | |
| Net Margin | 29.5% | |
| Return on Equity (ROE) | 12.2% | |
| Return on Assets (ROA) | 1.2% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $26M |
| Free Cash Flow | $24M |
| Total Assets | $1.9B |
Price & Trading
| Last Close | $32.05 |
| 50-Day MA | $32.39 |
| 200-Day MA | $29.17 |
| Avg Volume | 17K |
| Beta | 0.2 |
|
52-Week Range
$22.70
| |
About Oak Valley Bancorp (OVLY)
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 accepts deposits through checking and savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. It also provides commercial real estate loans, commercial business lending and trade finance, and small business administration lending, as well as consumer loans, including automobile loans, home mortgages, credit lines, and other personal loans. In addition, the company offers Internet, online, and mobile banking services; automated teller machines; and remote deposit capture, merchant, night depository, extended hours, wire transfer of funds, and note collection services. Oak Valley Bancorp was incorporated in 1990 and is headquartered in Oakdale, California.
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Frequently Asked Questions
Is Oak Valley Bancorp (OVLY) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Oak Valley Bancorp is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Oak Valley Bancorp's debt ratio?
Oak Valley Bancorp's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Oak Valley Bancorp's key financial metrics?
Oak Valley Bancorp has a market capitalization of $268M, trailing P/E ratio of 11.0, and revenue of $77M. Return on equity stands at 12.2%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.