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Oak Valley Bancorp(OVLY)Earnings, Financials & Key Ratios
OVLY•NASDAQ•Banking & Credit
$33.49
11.6× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutOak 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's deposits products include checking and savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. It also offers commercial real estate loans, commercial business lending and trade finance, and small business administration lending, as well as consumer loans consisting of automobile loans, home mortgage loans, revolving lines of credit, and other personal loans. In addition, the company provides online banking, remote deposit capture, mobile banking, merchant, night depository, extended hours, wire transfer of funds, and note collection services, as well as automated teller machines. As of December 31, 2021, it operated through seventeen full-service branch offices in Oakdale, Sonora, Bridgeport, Bishop, Mammoth Lakes, Modesto, Manteca, Patterson, Turlock, Tracy, Ripon, Stockton, Escalon, California, and Sacramento. The company was incorporated in 1990 and is headquartered in Oakdale, California.Show more
- Net Interest Income$75M+6.5%
- Total Revenue$82M-8.6%
- Net Income$24M-4.1%
- Return on Equity12.22%-14.4%
- Net Interest Margin3.69%
- Efficiency Ratio61.51%+19.6%
- ROA1.22%-8.6%
- Equity / Assets10.28%+6.5%
- Book Value per Share25.08+12.9%
OVLY Price & Volume
Oak Valley Bancorp (OVLY) stock price & volume — 10-year historical chart
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Stagnant Margin Growth Amidst Persistent Credit Caution
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Geographic concentration credit exposure
Key Thesis Takeaways
- Oak Valley Bancorp faces a challenging environment characterized by stagnant net interest margins hovering between 0.9% and 1.0% and a recent shift toward increased loan loss provisioning.
- While the bank maintains a stable capital position with an equity-to-assets ratio of 0.10, the heavy concentration of investment securities representing 85% of total assets creates significant interest rate sensitivity.
- Investors should monitor the bank's ability to improve its efficiency ratio, which deteriorated to 65.0% in 2026Q1, as it navigates localized economic pressures in its core California markets.
Verdict Logic
while the bank maintains a consistent equity-to-assets ratio of 0.10, the recent $1.5 million provision for loan losses and a 65.0% efficiency ratio suggest limited near-term upside for profitability.
OVLY Growth Metrics
Oak Valley Bancorp (OVLY) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years10.49%
5 Years9.92%
3 Years6.97%
TTM-
Profit CAGR
10 Years17.16%
5 Years11.81%
3 Years1.45%
TTM-2.42%
EPS CAGR
10 Years16.79%
5 Years11.38%
3 Years1.06%
TTM-3.03%
Return on Capital
10 Years17.16%
5 Years18.72%
3 Years18.54%
Last Year14.09%
OVLY Recent Earnings
Oak Valley Bancorp (OVLY) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 22, 2026Metric
Actual
Est
EPS
$0.64
—
Rev
$21M
—
Q1 2026
Jan 23, 2026Metric
Actual
Est
EPS
$0.76
—
Rev
$21M
—
Q4 2025
Oct 22, 2025Metric
Actual
Est
EPS
$0.81
—
Rev
—
—
Q3 2025
Jul 18, 2025Metric
Actual
Est
EPS
$0.67
—
Rev
$23M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.64 | $21M |
| Q1 2026 | Jan 23, 2026 | $0.76 | $21M |
| Q4 2025 | Oct 22, 2025 | $0.81 | — |
| Q3 2025 | Jul 18, 2025 | $0.67 | $23M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Oak Valley Bancorp (OVLY)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $33.49 | $281.77M | 11.63 | -8.63% | 29.26% | 12.22% | 1.81% | |
| $22.58 | $3.06B | 14.86 | -2.33% | 32.4% | 9.16% | — | |
| $37.65 | $2.78B | 14.32 | -1.58% | 18.26% | 8.36% | — | |
| $67.33 | $2.29B | 11.94 | -0.95% | 24.82% | 10.66% | — | |
| $81.71 | $1.99B | 12.65 | 5.2% | 27.72% | 12.39% | — | |
| $32.17 | $957.59M | 12.82 | 3.55% | 18.42% | 10.31% | — |
Compare OVLY vs Peers
Oak Valley Bancorp (OVLY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
OVLY SEC Filings & Documents
Oak Valley Bancorp (OVLY) SEC filings — annual & quarterly reports (10-K, 10-Q)
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OVLY Frequently Asked Questions
Oak Valley Bancorp (OVLY) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Oak Valley Bancorp growing?
Oak Valley Bancorp (OVLY) saw revenue decline by 8.6% over the past year.
Is OVLY profitable?
Yes, Oak Valley Bancorp (OVLY) is profitable, generating $23.9M in net income for fiscal year 2025 (29.3% net margin).
Dividend & Returns
Does OVLY pay dividends?
Yes, Oak Valley Bancorp (OVLY) pays a dividend with a yield of 1.81%. This makes it attractive for income-focused investors.
What is OVLY's return on equity?
Oak Valley Bancorp (OVLY) has a return on equity (ROE) of 12.2%. This is reasonable for most industries.
Industry Metrics
What is Oak Valley Bancorp's net interest margin?
Oak Valley Bancorp (OVLY) has a net interest margin (NIM) of 3.7%. This indicates healthy earnings from lending activities.
What is Oak Valley Bancorp's efficiency ratio?
Oak Valley Bancorp (OVLY) has an efficiency ratio of 61.5%. This is reasonable for a bank.