Revenue: As of FY2025 Q3, the actual value is USD 24.49 M.EPS: As of FY2025 Q3, the actual value is USD 0.81.EBIT: As of FY2025 Q3, the actual value is USD -10.73 M.<h3>Financial Metrics by Segment</h3><h4>Segment Revenue</h4><ul><li>Interest Income: $22,517,000 for Q3 2025, $65,054,000 for the nine months ended September 30, 2025.</li><li>Interest Expense: $3,320,000 for Q3 2025, $9,896,000 for the nine months ended September 30, 2025.</li><li>Net Interest Income: $19,197,000 for Q3 2025, $55,158,000 for the nine months ended September 30, 2025.</li><li>Non-Interest Income: $1,973,000 for Q3 2025, $5,289,000 for the nine months ended September 30, 2025.</li><li>Non-Interest Expense: $12,700,000 for Q3 2025, $38,012,000 for the nine months ended September 30, 2025.</li></ul><h4>Operational Metrics</h4><ul><li>Net Income: $6,693,000 for Q3 2025, $17,578,000 for the nine months ended September 30, 2025.</li><li>Net Income per Share: $0.81 for Q3 2025, $2.13 for the nine months ended September 30, 2025.</li><li>Net Income per Diluted Share: $0.81 for Q3 2025, $2.12 for the nine months ended September 30, 2025.</li></ul><h4>Cash Flow</h4><ul><li>Net Cash Provided by Operating Activities: $20,690,000 for the nine months ended September 30, 2025.</li><li>Net Cash Used in Investing Activities: -$16,172,000 for the nine months ended September 30, 2025.</li><li>Net Cash Provided by Financing Activities: $73,886,000 for the nine months ended September 30, 2025.</li></ul><h4>Unique Metrics</h4><ul><li>Allowance for Credit Losses: $11,420,000 as of September 30, 2025.</li><li>Total Loans: $1,112,829,000 as of September 30, 2025.</li><li>Total Deposits: $1,774,882,000 as of September 30, 2025.</li><li>Total Assets: $1,995,416,000 as of September 30, 2025.</li></ul><h4>Future Outlook and Strategy</h4><ul><li>Core Business Focus: The Company aims to enhance shareholder value, make its retail banking franchise more valuable, and efficiently utilize its capital. The focus remains on operating as a well-capitalized, profitable, and independent community-oriented bank.</li><li>Non-Core Business: No specific plans related to divestitures or emerging segments were mentioned in the report.</li></ul>

Oak Valley Bancorp | 10-Q: FY2025 Q3 Revenue: USD 24.49 M