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Oak View National Bank (OAKV) fair value: what the stock is really worth

As of Nov 2, 2026: fair value (intrinsic value) of Oak View National Bank stock $16.41, price $19.20, that is 14.5% below the price, quality 30 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

OV Oak View National Bank logo Broad data Nov 9, 2026

Oak View National Bank

OAKV · US
Expensive, weak quality

Our calculation puts a fair price 15% below what the stock costs today.

Highly profitable · 31.2% net margin (TTM)
Broad data
Mixed Growth (revenue 5y +30.9 %/yr in USD)
Wide moat 66/100 · thin data
Fair value $16.41 · Overvalued
Quality 30/100
Trails peers (5/14)
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$20.00 $4.18 Fair Value $16.41 Jul 2015 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.

How to read this chart

60‑month range $4.18 – $20.00 · fair‑value band $14.46 – $22.27 · the $19.20 price screens above the $16.41 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.

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Company profile

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.

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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.

In addition, it offers treasury management services, such as ACH, remote deposit capture, and merchant services; credit cards; and online and mobile banking services. The company was founded in 2009 and is headquartered in Warrenton, Virginia.

Stock analysis

Oak View National Bank (OAKV) currently trades at $19.20, while our model-based Fair Value estimate is $16.41, 15% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $21.52 per share, and 1 of the 6 models we run sit above the $19.20 price.

Bear case: the Dividend Discount group reads lowest at $2.96, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $14.46 (bear) to $22.27 (bull), the price of $19.20 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 30/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Oak View National Bank reported revenue of $44.2M in FY2025 versus $12.9M in FY2021, a compound +36.1%/yr. Reported net income was $7.2M in FY2025, compounding +30.8%/yr from FY2021.

Key figures

Market cap $67.0M Micro · P/E ratio 13.0 · P/S ratio 2.12 · EPS (TTM) $1.48 · Dividend yield 1.2% · Net margin 16.4% · Return on equity 13.7% · Return on assets (EBIT) 1.0% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (low confidence).

What moves the price

The share trades about 4% below its 52-week high and 51% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −15%, OAKV screens cheaper than that median.

Fair Value models

Bear $14.46 Fair Value $16.41 Bull $22.27
Price $19.20 · Downside -14.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.27 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $14.46 $16.41 $22.27 76
Gordon GGM $1.73 $3.08 $4.20 68
DDM Multi-Stage $1.73 $2.83 $3.30 67
All 6 models by family
Dividend Discount
Gordon GGM $1.73 $3.08 $4.20 68
DDM Multi-Stage $1.73 $2.83 $3.30 67
Multiples
P/E Multiple $20.20 $26.94 $33.67 63
P/B Multiple $12.08 $16.10 $20.13 55
Asset-Based
NCAV (Graham) $8.01 $10.73 $16.01 54
Economic Profit
Residual Income $14.46 $16.41 $22.27 76

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Quality Score breakdown

Overall quality 30/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 30
How much profit the company makes from its sales and capital
Quality Growth 53
Are margins and returns getting better?
Cashflow 28
Do the profits arrive as real cash?
Financial strength 1
Debt, balance sheet and risk of trouble
Investment 27
Does it invest with discipline instead of growing at any price?
Low Volatility 97
How calm the share price moves, does not count
Price momentum 76
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 86
Distance to the 52-week high, does not count
New shares 32
Buys back shares or issues new ones?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 78/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+15.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+40.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+30.9%
Start year 2020 (pandemic). Over 10 years: +19.6% a year
Revenue growth 15 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+24.4%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+28.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+27.4%
Dividend (yield on the price)1.2%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.25.2% vs 22.3%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.21% → 20%
2025 sits 50% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Pace: the 5-year rate starts in 2020 (pandemic)

OAKV screens overvalued: fair value 15% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 5/14 measures
Overall it trails its industry peers.
Valuation
Quality Score 30 · Bottom 25%
Fair Value upside −14.5% · Above median
Profitability
Return on equity (12 months) 13.7% · Above median
Return on assets 0.8% · Below median
Net margin (12 months) 31.2% · Above median
Operating margin (12 months) 31.5% · Below median
Growth and dividend
Revenue growth (quarter YoY) −4.1% · Bottom 25%
Dividend yield (12 months) 1.2% · Bottom 25%
Balance sheet
Debt / equity 0.52× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 13.0× · Pricier than median
P/B 1.16× · Cheaper than median
P/S (12 months) 2.79× · Cheaper than median
Price / free cash flow (fiscal year) 29.5× · Priciest 25%
EV/EBITDA 10.8× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)14 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)55 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)23 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs OAKV
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs OAKV
BNP Paribas SA BNP €91.93 €106.01 +15% vs OAKV
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs OAKV
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs OAKV
UniCredit S.p.A UCG €76.80 €50.44 −34% vs OAKV
Mizuho Financial Group MFG $9.40 $5.89 −37% vs OAKV
DBS Group D05 69.72 SGD 40.39 SGD −42% vs OAKV
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs OAKV
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs OAKV

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Oak View National Bank: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Oak View National Bank Fair Value". https://www.fairvalue-calculator.com/stock/OAKV

Frequently asked questions

Is Oak View National Bank (OAKV) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of $16.41 versus the last price from Nov 2, 2026 of $19.20, about 15% lower (overvalued).
What is the fair value of OAKV?
Our model-based fair value for Oak View National Bank is $16.41 (as of Nov 9, 2026), built from audited fundamentals. Last price (from Nov 2, 2026): $19.20.
What is the quality score of OAKV?
Oak View National Bank has a Quality Score of 30/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Oak View National Bank (OAKV)?
Our model-based price target is the fair value of $16.41 (as of Nov 9, 2026) from 6 valuation models. Cautious scenario $14.46, optimistic scenario $22.27. It is a calculation from audited fundamentals, not an analyst target.
What is the Oak View National Bank stock forecast for 2026?
Our models put fair value at $16.41, about 15% lower versus the last price from Nov 2, 2026 of $19.20 (overvalued). Cautious scenario $14.46, optimistic scenario $22.27. The calculation is refreshed regularly with new filings.
What is the revenue of Oak View National Bank (OAKV)?
Oak View National Bank reported trailing-twelve-month revenue of about $24.0M (latest available figure, as of Nov 9, 2026).
Does Oak View National Bank pay a dividend?
Oak View National Bank currently shows a dividend yield of 1.17% relative to its recent price (as of Nov 9, 2026).
How much is the dividend of Oak View National Bank (OAKV)?
Oak View National Bank has a dividend yield of 1.2%.
What is the intrinsic value of Oak View National Bank (OAKV)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Oak View National Bank it is $16.41 per share (as of Nov 9, 2026), against a price of $19.20. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Oak View National Bank stock overvalued or undervalued in 2026?
As of Nov 9, 2026, OAKV trades above its calculated fair value: price $19.20, fair value $16.41, a gap of about −15% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of OAKV?
No. The price is what the market pays today ($19.20); the fair value is what the company's own numbers justify ($16.41). For Oak View National Bank the two are $2.79 per share apart. That gap is exactly why we show both numbers side by side.
How much is Oak View National Bank worth?
The market values Oak View National Bank at about $67.0M (market capitalisation, as of Nov 9, 2026). Per share that is $19.20; our models calculate a fair value of $16.41 per share.
What do the bullish and bearish scenarios say about OAKV?
Our models span a range for Oak View National Bank: cautious scenario $14.46, base $16.41, optimistic $22.27 per share (as of Nov 9, 2026, price $19.20). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of OAKV?
Oak View National Bank trades at a price-to-earnings ratio of 13.0 (as of Nov 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $16.41 is built from several models across several years. Median P/E at fiscal year-end, 5 fiscal years (2021 to 2025), reported earnings: 7.2. Other multiples: P/B 1.2, P/S 2.8, EV/EBITDA 10.8.
How solid is the balance sheet of Oak View National Bank (OAKV)?
Balance-sheet figures for Oak View National Bank (as of Nov 9, 2026): return on equity 13.7%, debt of 0.52 per unit of equity. They feed the Quality Score of 30/100, which measures business quality independently of the share price.
How far is OAKV from its 52-week high?
Oak View National Bank trades at $19.20, about 4% below its 52-week high of $20.00 and 51% above the low of $12.74 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $16.41 is for.
Which stocks are comparable to Oak View National Bank?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Oak View National Bank stock attractive at the current price?
The data as of Nov 9, 2026: price $19.20, calculated fair value $16.41 (−15%), Quality Score 30/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of OAKV calculated?
We run Oak View National Bank through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $16.41 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Oak View National Bank itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Oak View National Bank (OAKV)?
The latest price we hold is from Nov 2, 2026 and stands at $19.20. Our model-based fair value is $16.41, about 15% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Oak View National Bank right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the upper half of our model range, so the margin of safety is thin. The data supports the verdict: every model runs on fully documented inputs.

Key figures of Oak View National Bank

How large is the market capitalisation of Oak View National Bank (OAKV)?
The market capitalisation of Oak View National Bank is $67.0M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Oak View National Bank (OAKV)?
The price-to-sales ratio of Oak View National Bank is 2.12 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Oak View National Bank (OAKV)?
Earnings per share at Oak View National Bank are $1.48 (price ÷ EPS = P/E 13.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Oak View National Bank (OAKV)?
The dividend yield of Oak View National Bank is 1.2% (payout 15.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Oak View National Bank (OAKV)?
The net margin of Oak View National Bank is 16.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Oak View National Bank (OAKV)?
The return on equity (ROE) of Oak View National Bank is 13.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Oak View National Bank (OAKV)?
On an EBIT basis the return on assets of Oak View National Bank is 1.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Oak View National Bank (OAKV)?
The operating margin of Oak View National Bank is 31.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Oak View National Bank (OAKV)?
Revenue at Oak View National Bank is growing −4.1% versus a year earlier (3y avg +40.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Oak View National Bank (OAKV)?
Earnings per share at Oak View National Bank are growing −10.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Oak View National Bank (OAKV) generate?
The free cash flow of Oak View National Bank is $2.3M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Oak View National Bank (OAKV) carry?
The net debt of Oak View National Bank is $99.2M (fiscal year 2025, ≈ 43.7 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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