Financial insights of OVLY

MyFinsight

For the quarter ending 2025-09-30, OVLY made $40,452K in revenue. $6,693K in net income. Net profit margin of 16.55%.

Income Overview

Revenue
$40,452K
Net Income
$6,693K
Net Profit Margin
16.55%
EPS
$0.81
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on securities
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Interest and fees on loans	14,881	14,316	13,989	13,739
Interest on securities	5,395	5,279	5,374	5,098
Interest on federal funds sold	346	290	350	392
Interest on deposits with banks	1,895	1,536	1,403	1,917
Total interest income	22,517	21,421	21,116	21,146
Deposits	3,320	3,267	3,309	3,491
Total interest expense	3,320	3,267	3,309	3,491
Net interest income	19,197	18,154	17,807	17,655
Other income-Debit Card	-	436	-	-
Reversal of provision for credit losses	-60	0	-	-1,620
Other income-Mortgage Banking	-	7	-	-
Net interest income after provision for credit losses	19,257	18,154	17,807	19,275
Other income-Deposit Account	457	427	-	-
Other income	-	-	851	873
Other income-Debit Card	415	-	-	-
Earnings on cash surrender value of life insurance	299	300	288	287
Other income-Mortgage Banking	17	-	-	-
(loss) gain on sales and calls of available-for-sale securities	-2	2	-	-
Other	787	531	474	679
Total non-interest income	1,973	1,703	1,613	1,846
Salaries and employee benefits	7,857	7,693	7,750	7,177
Occupancy expenses	1,263	1,122	1,127	1,137
Data processing fees	745	723	742	659
Regulatory assessments	270	280	285	240
Other operating expenses	2,565	2,870	2,720	2,111
Total non-interest expense	12,700	12,688	12,624	11,324
Net income before provision for income taxes	8,530	7,169	6,796	9,797
Total provision for income taxes	1,837	1,581	1,499	2,473
Net income	6,693	5,588	5,297	7,324

Net income per diluted share (in dollars per share)	0.81	0.67	0.64	0.89
Net income per share (in dollars per share)	0.81	0.68	0.64	0.89
Us-gaap_weightedaveragenumberofdilutedsharesoutstanding	8,299,000	8,285,000	8,278,000	8,264,000
Us-gaap_weightedaveragenumberofsharesoutstandingbasic	8,247,000	8,245,000	8,232,000	8,221,000

MyFinsight

Income Overview

Revenue
$40,452K
Net Income
$6,693K
Net Profit Margin
16.55%
EPS
$0.81
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on securities
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Revenue
$40,452K
Net Income
$6,693K
Net Profit Margin
16.55%
EPS
$0.81
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on securities
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$40,452KNet Income$6,693KNet Profit Margin16.55%EPS$0.81Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansSalaries and employee benefitsInterest on securitiesOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$40,452KNet Income$6,693KNet Profit Margin16.55%EPS$0.81Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansSalaries and employee benefitsInterest on securitiesOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$40,452K
Net Income
$6,693K
Net Profit Margin
16.55%
EPS
$0.81
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on securities
Others

Revenue
$40,452K
Net Income
$6,693K
Net Profit Margin
16.55%
EPS
$0.81
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on securities
Others