Oak Valley Bancorp
- Open
- 34.29
- Day high
- 34.43
- Day low
- 33.38
- Prev close
- 34.39
- Volume
- 21K
- Mkt cap
- $282M
- P/E (TTM)
- 11.5
- EPS (TTM)
- $2.90
- P/B
- 1.4
- P/S
- 3.1
- Yield
- 2.02%
- Per share
- $0.68
- ▲Insiders net buying $3K over the last 3 months (4 open-market buys, 2 sales)
- ◆Cluster buying — multiple insiders bought within days
- 🏛Institutions accumulating (13F)
Oak Valley Bancorp (OVLY) is a Financial Services company listed on NASDAQ. The stock is up 21% over the past year. Over the trailing 3 months, insiders filed 4 open-market buys and 2 sales (SEC Form 4).
Oak Valley Bancorp (OVLY) financials & analyst ratings
Fundamentals (TTM)
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
OVLY earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 22, 2026 | — | $0.64 | — | $21M | — |
| Mar 25, 2026 | — | $0.76 | — | $21M | — |
| Oct 22, 2025 | — | $0.81 | — | — | — |
| Jul 18, 2025 | — | $0.67 | — | $23M | — |
| Apr 18, 2025 | — | $0.64 | — | $23M | — |
| Jan 24, 2025 | — | $0.73 | — | $19M | — |
| Oct 18, 2024 | — | $0.89 | — | $20M | — |
| Jul 18, 2024 | — | $0.71 | — | $22M | — |
| Apr 19, 2024 | — | $0.69 | — | $19M | — |
| Jan 19, 2024 | — | $0.71 | — | $20M | — |
| Oct 19, 2023 | — | $0.89 | — | $21M | — |
| Jul 21, 2023 | — | $1.02 | — | $21M | — |
OVLY insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 26, 2026 | Barton Dondirector | Sell | 375 | $33.26 |
| May 29, 2026 | LAFFERTY ALLISONdirector | Buy | 87 | $33.44 |
| May 26, 2026 | Barton Dondirector | Sell | 375 | $33.77 |
| May 12, 2026 | HOLDER H RANDOLPH JRdirector | Buy | 200 | $32.50 |
| May 6, 2026 | LAFFERTY ALLISONdirector | Buy | 180 | $33.19 |
| Apr 30, 2026 | Leonard Daniel Jdirector | Buy | 375 | $33.00 |
| Mar 3, 2026 | Ghan Cathyofficer: EVP Commercial Real Estate | Tax | 89 | — |
| Mar 3, 2026 | Ghan Cathyofficer: EVP Commercial Real Estate | Tax | 401 | — |
| Mar 3, 2026 | Ghan Cathyofficer: EVP Commercial Real Estate | Tax | 101 | — |
| Mar 3, 2026 | Ghan Cathyofficer: EVP Commercial Real Estate | Tax | 87 | — |
| Mar 3, 2026 | Ghan Cathyofficer: EVP Commercial Real Estate | Grant | 784 | — |
| Mar 3, 2026 | Ghan Cathyofficer: EVP Commercial Real Estate | Tax | 105 | — |
| Mar 3, 2026 | Courtney Christopher M.director, officer: CEO | Grant | 5,267 | — |
| Feb 27, 2026 | LAFFERTY ALLISONdirector | Buy | 322 | $32.51 |
| Feb 27, 2026 | LAFFERTY ALLISONdirector | Buy | 184 | $32.75 |
Source: OVLY SEC Form 4 filings, latest Jun 26, 2026. For informational purposes only — not investment advice.
See the full OVLY insider & 13F page →Oak Valley Bancorp company profile
Overview
Oak Valley Bancorp (NASDAQ:OVLY) is a regional bank holding company incorporated in 1990 and headquartered in Oakdale, California. The company operates through its wholly-owned subsidiary, Oak Valley Community Bank, which has served the Central Valley and Eastern Sierras regions of California for over three decades. With seventeen full-service branch offices spanning from Sacramento to Mammoth Lakes, Oak Valley has established itself as a community-focused financial institution serving individuals and small to medium-sized businesses in predominantly rural and semi-rural markets across Northern and Central California.
Business
Oak Valley Bancorp operates in the regional banking industry, providing traditional commercial banking services through its subsidiary Oak Valley Community Bank. Regional banks like Oak Valley serve as financial intermediaries in their local markets, collecting deposits from individuals and businesses and then lending those funds to borrowers in the same geographic area. The company's core business revolves around two primary activities: deposit gathering and loan origination. On the deposit side, Oak Valley offers a comprehensive suite of deposit products including checking and savings accounts, money market accounts, health savings accounts, individual retirement accounts, and certificates of deposit. These products allow customers to safely store their money while earning interest, and they provide the bank with the capital needed for lending operations. On the lending side, the bank focuses heavily on commercial real estate loans, which typically involve financing for office buildings, retail centers, warehouses, and other commercial properties. The bank also provides commercial business lending and trade finance to help local businesses with working capital needs, equipment purchases, and expansion projects. Additionally, Oak Valley participates in Small Business Administration (SBA) lending programs, which are government-backed loans designed to help small businesses access capital with favorable terms. The consumer lending portfolio includes automobile loans, home mortgage loans, revolving lines of credit, and other personal loans. Beyond traditional banking services, Oak Valley provides modern banking conveniences such as online banking platforms, mobile banking applications, remote deposit capture for business customers, merchant services for payment processing, automated teller machines, wire transfer services, and night depository facilities for after-hours banking needs.
Revenue model
Oak Valley Bancorp generates revenue primarily through the traditional banking model of net interest income, which is the difference between the interest earned on loans and investments and the interest paid on deposits and borrowed funds. This spread represents the bank's primary profit driver, as it borrows money from depositors at relatively low interest rates and lends it out at higher rates to borrowers. The bank's customers fall into two main categories: retail customers who use the bank for personal banking needs, and commercial customers including small to medium-sized businesses that require more sophisticated banking services. Commercial customers typically generate higher margins through larger loan balances and additional fee-based services. Secondary revenue streams include various fees and service charges such as account maintenance fees, overdraft fees, loan origination fees, and charges for specialized services like wire transfers and merchant processing. SBA lending provides additional income through government-guaranteed loan premiums and servicing fees. Several factors influence Oak Valley's profitability margins. Interest rate environments significantly impact the bank's net interest margin - rising rates generally benefit banks by allowing them to charge higher rates on new loans while deposit costs may rise more slowly. However, rapid rate increases can also lead to credit quality concerns and reduced loan demand. The bank's geographic concentration in California's Central Valley exposes it to regional economic conditions, particularly agricultural cycles and real estate market fluctuations. Competition from larger national banks, credit unions, and fintech companies can pressure both deposit pricing and loan rates. Credit losses from loan defaults directly impact profitability, making the bank's underwriting standards and local economic conditions crucial factors. Regulatory compliance costs and capital requirements also affect operational efficiency and return on equity.
Competitive moat
Oak Valley Bancorp's competitive moat is relatively modest, typical of smaller regional banks. The company's primary defensive characteristics stem from its established local market presence and relationship-based banking model. Having operated in the Central Valley and Eastern Sierras for over three decades, Oak Valley has built deep community ties and local market knowledge that can be difficult for larger, out-of-state competitors to replicate. The bank's focus on small to medium-sized businesses creates switching costs, as these customers often value personalized service and local decision-making that larger banks may not provide. However, this moat faces significant challenges. The banking industry is highly commoditized, with limited ability to differentiate core products like checking accounts and basic loans. Oak Valley competes against much larger institutions with superior technology platforms, broader product offerings, and greater marketing resources. Credit unions in the region often offer more attractive rates due to their tax-advantaged status. The rise of digital banking and fintech companies threatens traditional relationship-based advantages, particularly among younger customers who prioritize convenience over personal relationships. The bank's geographic concentration, while providing local expertise, also creates vulnerability to regional economic downturns. Unlike diversified national banks, Oak Valley cannot easily offset weakness in one market with strength in another. The company's small size limits its ability to invest in cutting-edge technology or offer sophisticated products that larger competitors can provide. Regulatory compliance costs represent a disproportionately higher burden for smaller banks, potentially eroding competitive positioning over time.
Risks & safety
Oak Valley Bancorp demonstrates a solid financial position with moderate risk characteristics typical of well-managed community banks. • **Solvency and Capital**: The bank maintains zero debt-to-equity ratio, indicating a conservative capital structure. With total assets of $1.9 billion and shareholders' equity of approximately $187 million, the bank appears adequately capitalized for its size and risk profile. • **Liquidity Position**: The bank holds substantial liquid assets, with cash and short-term investments varying between $144-180 million across recent quarters, providing flexibility for deposit outflows or lending opportunities. • **Profitability Metrics**: Return on equity of 13.6% for fiscal 2024 indicates reasonable profitability, though this declined from 18.6% in 2023. Net income of $24.9 million in 2024 compared to $30.8 million in 2023 shows some earnings pressure. • **Valuation**: Trading at a price-to-earnings ratio of approximately 9.6x and price-to-book ratio of 1.31x, the stock appears reasonably valued relative to earnings and book value. • **Cash Generation**: Positive operating cash flow of $25.6 million and free cash flow of $23.9 million in 2024 demonstrate the bank's ability to generate cash from operations. • **Risk Considerations**: The bank's concentration in California real estate and agricultural markets creates geographic risk, while rising interest rates and potential credit cycle concerns warrant monitoring.
Recent development
Based on the available financial data, Oak Valley Bancorp has navigated a challenging interest rate environment over the past few years. The bank experienced revenue volatility, with total revenue declining from $80.7 million in 2023 to $78.2 million in 2024, reflecting the pressures of higher interest rates on both loan demand and funding costs. The company has maintained its focus on commercial real estate and SBA lending while adapting to changing market conditions. Net income decreased from $30.8 million in 2023 to $24.9 million in 2024, indicating margin compression typical of regional banks during periods of rapid interest rate changes. However, the bank has maintained positive cash flow generation and preserved its capital position. Oak Valley has continued to invest in digital banking capabilities and technology infrastructure to remain competitive with larger institutions, though specific details about new product launches or strategic initiatives are not available from the financial data provided. The bank's branch network has remained stable, suggesting a commitment to its community banking model while likely incorporating more digital service delivery options. The institution has maintained its conservative approach to credit risk management, as evidenced by its stable asset quality metrics and continued focus on relationship-based lending in familiar geographic markets.
OVLY company profile · for informational purposes only — not investment advice.
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