Oak Valley Bancorp (OVLY)

FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

$33.55

+0.12 (+0.36%)

Market Cap: $281.24M

Last updated: Oct 16, 2026 at 1:55 PM ET

Earnings

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Jun 30, 2026Jun 26 Reported Jul 22, 2026Reported Jul 22	$0.61	N/A	-	N/A	Beat	-	-	-9.0%
Mar 31, 2026Mar 26 Reported Apr 22, 2026Reported Apr 22	$0.64	N/A	-	N/A	Beat	-	-	-0.3%
Dec 31, 2025Dec 25 Reported Jan 23, 2026Reported Jan 23	$0.76	N/A	-	N/A	Beat	-	-	+4.7%
Sep 30, 2025Sep 25 Reported Oct 22, 2025Reported Oct 22	$0.81	N/A	-	N/A	Beat	-	-	-9.4%
Jun 30, 2025Jun 25 Reported Jul 18, 2025Reported Jul 18	$0.67	N/A	-	N/A	Beat	-	-	-6.2%
Mar 31, 2025Mar 25 Reported Apr 18, 2025Reported Apr 18	$0.64	N/A	-	N/A	Beat	-	-	-7.9%
Dec 31, 2024Dec 24 Reported Jan 24, 2025Reported Jan 24	$0.73	N/A	-	N/A	Beat	-	-	+2.2%
Sep 30, 2024Sep 24 Reported Oct 18, 2024Reported Oct 18	$0.89	N/A	-	N/A	Beat	-	-	+0.0%
Jun 30, 2024Jun 24 Reported Jul 18, 2024Reported Jul 18	$0.71	N/A	-	N/A	Beat	-	-	-30.0%
Mar 31, 2024Mar 24 Reported Apr 19, 2024Reported Apr 19	$0.69	N/A	-	N/A	Beat	-	-	-38.0%
Dec 31, 2023Dec 23 Reported Jan 19, 2024Reported Jan 19	$0.71	N/A	-	N/A	Beat	-	-	-38.3%
Sep 30, 2023Sep 23 Reported Oct 19, 2023Reported Oct 19	$0.89	N/A	-	N/A	Beat	-	-	+7.2%
Jun 30, 2023Jun 23 Reported Jul 21, 2023Reported Jul 21	$1.02	N/A	-	N/A	Beat	-	-	+96.2%
Mar 31, 2023Mar 23 Reported Apr 20, 2023Reported Apr 20	$1.12	N/A	-	N/A	Beat	-	-	+286.2%
Dec 31, 2022Dec 22 Reported Jan 20, 2023Reported Jan 20	$1.15	N/A	-	N/A	Beat	-	-	+173.8%
Sep 30, 2022Sep 22 Reported Oct 20, 2022Reported Oct 20	$0.83	N/A	-	N/A	Beat	-	-	+48.2%
Jun 30, 2022Jun 22 Reported Jul 21, 2022Reported Jul 21	$0.52	N/A	-	N/A	Beat	-	-	+8.3%
Mar 31, 2022Mar 22 Reported Apr 21, 2022Reported Apr 21	$0.29	N/A	-	N/A	Beat	-	-	-45.3%
Dec 31, 2021Dec 21 Reported Jan 21, 2022Reported Jan 21	$0.42	N/A	-	N/A	Beat	-	-	-26.3%
Sep 30, 2021Sep 21 Reported Oct 21, 2021Reported Oct 21	$0.56	N/A	-	N/A	Beat	-	-	+21.7%
Jun 30, 2021Jun 21 Reported Jul 21, 2021Reported Jul 21	$0.48	N/A	-	N/A	Beat	-	-	+50.0%
Mar 31, 2021Mar 21 Reported Apr 22, 2021Reported Apr 22	$0.53	N/A	-	N/A	Beat	-	-	+60.6%
Dec 31, 2020Dec 20 Reported Jan 21, 2021Reported Jan 21	$0.57	N/A	-	N/A	Beat	-	-	+46.2%
Sep 30, 2020Sep 20 Reported Oct 21, 2020Reported Oct 21	$0.46	N/A	-	N/A	Beat	-	-	+15.0%
Jun 30, 2020Jun 20 Reported Jul 22, 2020Reported Jul 22	$0.32	N/A	-	N/A	Beat	-	-	-13.5%
Mar 31, 2020Mar 20 Reported Apr 22, 2020Reported Apr 22	$0.33	N/A	-	N/A	Beat	-	-	-13.2%
Dec 31, 2019Dec 19 Reported Jan 23, 2020Reported Jan 23	$0.39	N/A	-	N/A	Beat	-	-	+5.4%
Sep 30, 2019Sep 19 Reported Oct 18, 2019Reported Oct 18	$0.40	N/A	-	N/A	Beat	-	-	+2.6%
Jun 30, 2019Jun 19 Reported Jul 17, 2019Reported Jul 17	$0.37	N/A	-	N/A	Beat	-	-	+15.6%
Mar 31, 2019Mar 19 Reported Apr 18, 2019Reported Apr 18	$0.38	N/A	-	N/A	Beat	-	-	+8.6%
Dec 31, 2018Dec 18 Reported Jan 24, 2019Reported Jan 24	$0.37	N/A	-	N/A	Beat	-	-	+15.6%
Sep 30, 2018Sep 18 Reported Oct 18, 2018Reported Oct 18	$0.39	N/A	-	N/A	Beat	-	-	+25.8%
Jun 30, 2018Jun 18 Reported Jul 19, 2018Reported Jul 19	$0.32	N/A	-	N/A	Beat	-	-	-8.6%
Mar 31, 2018Mar 18 Reported Apr 18, 2018Reported Apr 18	$0.35	N/A	-	N/A	Beat	-	-	+29.6%
Dec 31, 2017Dec 17 Reported Jan 18, 2018Reported Jan 18	$0.32	N/A	-	N/A	Beat	-	-	+18.5%
Sep 30, 2017Sep 17 Reported Oct 18, 2017Reported Oct 18	$0.31	N/A	-	N/A	Beat	-	-	-
Jun 30, 2017Jun 17 Reported Jul 19, 2017Reported Jul 19	$0.35	N/A	-	N/A	Beat	-	-	-
Mar 31, 2017Mar 17 Reported Apr 19, 2017Reported Apr 19	$0.27	N/A	-	N/A	Beat	-	-	-
Dec 31, 2016Dec 16 Reported Jan 19, 2017Reported Jan 19	$0.27	N/A	-	N/A	Beat	-	-	-

Dividends

Dividend Metrics

Forward Yield2.24%

Forward Annual Dividend$0.75

Payout Ratio26.91%

FrequencySemi-Annual

Pay MonthsFeb, Aug

Growth

3Y CAGR+25.99%

5Y CAGR+16.47%

OVLY dividend history and ex-dividend dates Run OVLY in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	11.92	EV/EBITDA	4.28x
Price/FCF	11.29x	FCF Yield	8.86%
Profitability
Profit Margin	28.20%	Operating Margin	32.70%
ROE	11.60%	ROIC	N/A
Financial Health
Debt/Equity	0.00x	Interest Coverage	2.19x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	0.21	Avg Volume	16.56K
52-Week High	$35.57	52-Week Low	$24.86

Technical Indicators Dashboard

Moving Averages

SMA 10$33.97

SMA 20$34.03

SMA 50$34.09

SMA 200$32.93

EMA 10$33.85

EMA 20$33.98

EMA 50$33.96

EMA 200$32.48

MACD

Line: -0.12Signal: -0.05Hist: -0.07

ADX

ADX: 11.1+DI: 17.7-DI: 13.7

Aroon & PSAR

Aroon Up20.0

Aroon Down96.0

PSAR$34.89

Bollinger Bands

Upper Band$34.74

Lower Band$33.31

%B Position419%(Upper)

Band Width0.16

RSI (14-Day)

Neutral

44.8

Momentum Oscillators

Stoch %K25.4

Stoch %D30.0

Williams %R-78.5

ROC (10d)-1.1%

Momentum-0.37

CCI (20d)-54.4

MFI (14d)43.2

Volatility Measures

ATR (14d)$0.88(2.6%)

StdDev (20d)0.36

Hist Vol19.5%(Low)

Volume Flow

VWAP$33.87

OBV1.5M

AD Line-52163316482.8B

CMF (20d)0.108

Volume Metrics

Avg Vol (20d)16.5K

Vol Ratio1.0x

VWMA (20d)$34.09

Pivot Points

R3$34.62

R2$34.28

R1$33.85

Pivot Point$33.51

S1$33.08

S2$32.74

S3$32.31

Advanced Oscillators

TSI-5.16

Ultimate Osc44.7

KST-9.19

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$20.61M	$20.78M	$21.28M	$21.17M	$19.86M	$19.42M	$19.28M	$19.50M	$19.05M	$18.76M	$19.67M	$20.50M
Cost of Revenue	N/A	$464,000	$865,000	$3.26M	$3.27M	$3.31M	$3.67M	$1.87M	$2.95M	$2.75M	N/A	$1.71M
Gross Profit	N/A	$20.31M	$20.42M	$21.23M	$19.86M	$19.42M	$19.28M	$21.12M	$19.05M	$18.76M	$19.67M	$20.20M

Operating Expenses	$14.16M	$13.51M	$12.26M	$12.70M	$12.44M	$12.35M	$11.55M	$11.32M	$11.62M	$11.53M	$10.76M	$10.58M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Operating Income	N/A	$6.81M	$8.15M	$8.53M	$7.17M	$6.80M	$7.73M	$9.80M	$7.44M	$7.23M	$19.67M	$9.63M

Interest Income	$22.49M	$22.23M	$22.87M	$22.52M	$21.42M	$21.12M	$21.51M	$21.15M	$20.25M	$19.99M	$20.22M	$20.35M
Interest Expense	$3.54M	$3.40M	$3.41M	$3.32M	$3.27M	$3.31M	$3.67M	$3.49M	$2.95M	$2.75M	$2.30M	$1.41M
Income Before Tax	$6.43M	$6.81M	$8.15M	$8.53M	$7.17M	$6.80M	$7.73M	$9.80M	$7.44M	$7.23M	$7.78M	$9.63M
Income Tax Expense	$1.32M	$1.50M	$1.82M	$1.84M	$1.58M	$1.50M	$1.72M	$2.47M	$1.55M	$1.50M	$1.91M	$2.27M

Net Income	$5.11M	$5.31M	$6.33M	$6.69M	$5.59M	$5.30M	$6.01M	$7.32M	$5.89M	$5.73M	$5.87M	$7.35M

EBITDA	$7.09M	$7.35M	$8.66M	$9.03M	$7.64M	$7.26M	$8.24M	$10.30M	$7.85M	$7.73M	$8.34M	$10.07M
EBIT	$6.43M	$6.81M	$8.15M	$8.53M	$7.17M	$6.80M	$7.73M	$9.80M	$7.44M	$7.23M	$7.78M	$9.63M

* Some calculated fields are derived from available data when not provided by source

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News

Director buys 125 Oak Valley Bancorp stock shares under a plan

Director Daniel J. Leonard purchased 125 shares of Oak Valley Bancorp (OVLY) stock on September 28, 2026, under a 10b5-1 plan. This transaction brings his direct holdings to 62,787 shares...

ad-hoc-news.de•Oct 15, 2026 9:30 PM ET10/15/26•Somewhat-Bullish

Oak Valley Bancorp (NASDAQ:OVLY) Share Price Breaks Above Fifty Day Moving Average - What's Next?

Oak Valley Bancorp (OVLY) stock surpassed its 50-day moving average, closing at $34.28. The company reported a quarterly EPS of $0.61 on $20.61 million in revenue and maintains an average analyst rating of "Buy," despite...

MarketBeat•Oct 6, 2026 4:26 AM ET10/6/26•Neutral

Director buys Oak Valley Bancorp stock as quarterly net income totals USD 5.11 million

Oak Valley Bancorp director Daniel J. Leonard purchased 125 shares on September 28, 2026. This insider purchase follows the bank's report of a second-quarter net income of USD 5.11 million...

AD HOC NEWS•Oct 5, 2026 8:43 PM ET10/5/26•Neutral

Donald Barton reports 375-share sale for Oak Valley Bancorp stock

Donald L. Barton, a director at Oak Valley Bancorp (OVLY), reported a proposed sale of 375 common shares valued at USD 12,761.25. This insider transaction comes as the regional bank faces mixed financial results...

AD HOC NEWS•Oct 5, 2026 9:56 AM ET10/5/26•Somewhat-Bearish

Oak Valley Bancp CA (OVLY-Q) Stock Price and News

This article provides stock information and recent news for Oak Valley Bancorp (OVLY-Q), a California-based holding company for Oak Valley Community Bank. It details the company's financial products...

The Globe and Mail•Oct 1, 2026 10:46 PM ET10/1/26•Neutral

OVLY Valuation and Fair Value

P/E: 11.9x
Forward P/E: 10.4x
EV/EBITDA: 4.3x
P/FCF: 11.3x
PEG: 0.0x
P/B: 1.3x

See GNG's fair value

OVLY Profitability: Margins, ROIC and FCF

Operating margin: 32.7%
Net margin: 28.2%
ROE: 11.6%
FCF margin: 29.8%
FCF yield: 8.9%

OVLY Competitors

Company	Ticker
Franklin Financial Services Corp	FRAF
First United Corporation	FUNC
First Western Financial Inc	MYFW
Bold Eagle Acquisition Corp. Units	BEAGU
Sprott Focus Trust	FUND
First Guaranty Bancshares, Inc.	FGBIP
SilverBox Corp IV	SBXD
Hawthorn Bancshares Inc	HWBK

Sector: Financial Services

OVLY Bull Case vs Bear Case

Bull case

OVLY converts 29.8% of revenue into free cash flow.
OVLY has a 28.2% net profit margin.

OVLY Dividend

Forward yield: 2.2%
Payout ratio: 26.9%
3Y DPS growth: 26.0%
5Y DPS growth: 16.5%
Pay months: Feb, Aug

OVLY dividend history

Frequently Asked Questions About OVLY

What is OVLY's current dividend yield?

Oak Valley Bancorp (OVLY) has a forward dividend yield of 2.24%.

Does OVLY pay dividends?

Yes, Oak Valley Bancorp pays dividends with a forward dividend yield of 2.24%.

What is OVLY's P/E ratio?

Oak Valley Bancorp has a price-to-earnings (P/E) ratio of 11.92.

What is OVLY's market cap?

Oak Valley Bancorp (OVLY) has a market capitalization of $281.24M with a current stock price of $33.55.

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