Oak Valley Bancorp (OVLY) Stock Price & Analysis
Oak Valley Bancorp (OVLY) closed at USD 34.11 on Friday, October 23, 2026, down 0.41% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 34.25; the Oct 23, 2026 session ranged USD 33.79–34.56 on volume of 14,942 shares. Market capitalization is $286.96M, with a 52-week range of USD 26.47–35.97 (NCM). Source: Nexqual, retrieved October 24, 2026 at 04:26 UTC.
Also available as compact Markdown for AI agents: nexqual.com/OVLY.md
Key facts (OVLY)
- Last four reported quarters (through Jun 30, 2026): revenue $83.8M, net income $23.5M (28.0% margin) (SEC filings).
- Valuation: P/E 12.2x (avg 9.4x at the last 3 fiscal year-ends).
- Insider open-market sales, last ~7 months: 5 Form 4 filings, $63K; 1 not under a Rule 10b5-1 plan ($13K); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Insider open-market purchases, last ~7 months: 10 Form 4 filings, $154K; 1 by opportunistic insiders, 6 by routine insiders.
- Analysts: None.
- Total return with dividends: 1Y +25.8% vs S&P 500 +13.4%; 5Y +116.6% vs S&P 500 +76.9%.
- Next earnings: 2026-10-28, EPS estimate USD —, revenue estimate $0K.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (OVLY)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $54.3M | $65.6M | $82.4M | $76.6M | $81.7M | $83.8M |
| Net income | $16.3M | $22.9M | $30.8M | $24.9M | $23.9M | $23.5M |
| EPS (diluted) | $2.00 | $2.79 | $3.75 | $3.02 | $2.88 | — |
| Free cash flow | $10.2M | $21.6M | $31.2M | $23.9M | $24.6M | $24.5M |
| Net margin | 30.1% | 34.9% | 37.4% | 32.6% | 29.3% | 28.0% |
| Revenue growth | +9.0% | +21.0% | +25.6% | -7.1% | +6.7% | — |
| Cash + short-term investments | $778M | $430M | $217M | $169M | $232M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (OVLY)
P/E 12.2x · P/S 3.4x · P/FCF 11.7x · P/B 1.3x · FCF yield 8.53% · Earnings yield 8.17% · Dividend yield (paid, TTM) 1.97%
P/E at fiscal year-ends: Dec 2025 10.4x, Dec 2024 9.7x, Dec 2023 8.0x.
Insider sales (SEC Form 4, open-market, last ~7 months) (OVLY)
4 of 5 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-09-28 | Barton Don | Director | 375 | $13K | 1.3% | Yes | Too little history (no open-market trades in 2024) |
| 2026-08-26 | Barton Don | Director | 375 | $13K | 1.3% | Yes | Too little history (no open-market trades in 2024) |
| 2026-07-27 | Barton Don | Director | 375 | $12K | 1.2% | Yes | Too little history (no open-market trades in 2024) |
| 2026-06-26 | Barton Don | Director | 375 | $12K | 1.2% | Yes | Too little history (no open-market trades in 2024) |
| 2026-05-26 | Barton Don | Director | 375 | $13K | 1.2% | No | Too little history (no open-market trades in 2024) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Insider purchases (SEC Form 4, open-market, last ~7 months) (OVLY)
10 purchases, $154K. Private placements, offerings, dividend reinvestment and employee stock purchase plan buys are excluded.
| Trade date | Insider | Role | Shares | Value | Avg price | Insider type |
|---|---|---|---|---|---|---|
| 2026-09-28 | Leonard Daniel J | Director | 125 | $4K | 34.03 | Routine (bought in Aug each year 2023–2025; this trade is outside those months) |
| 2026-08-28 | Leonard Daniel J | Director | 125 | $4K | 34.23 | Routine (bought in Aug each year 2023–2025) |
| 2026-08-26 | Lafferty Allison | Director | 1,307 | $44K | 33.93 | Too little history (no open-market trades in 2023) |
| 2026-08-19 | Leonard Daniel J | Director | 125 | $4K | 34.59 | Routine (bought in Aug each year 2023–2025) |
| 2026-08-17 | Holder H Randolph Jr | Director | 115 | $4K | 33.75 | Routine (bought in Feb each year 2023–2025; this trade is outside those months) |
| 2026-07-27 | Strong Gary | Director | 2,000 | $65K | 32.5 | Opportunistic (traded every year 2023–2025, no repeating month) |
| 2026-05-28 | Lafferty Allison | Director | 87 | $3K | 33.44 | Too little history (no open-market trades in 2023) |
| 2026-05-12 | Holder H Randolph Jr | Director | 200 | $7K | 32.5 | Routine (bought in Feb each year 2023–2025; this trade is outside those months) |
| 2026-05-05 | Lafferty Allison | Director | 180 | $6K | 33.19 | Too little history (no open-market trades in 2023) |
| 2026-04-29 | Leonard Daniel J | Director | 375 | $12K | 33 | Routine (bought in Aug each year 2023–2025; this trade is outside those months) |
Analysts (OVLY)
Consensus None.
Total return (dividends reinvested) (OVLY)
| 1Y (from 2025-10-24) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | +25.8% | +116.6% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | +25.9% | +16.7% |
| Volatility (annualized) | 21.1% | 24.7% |
| Max drawdown | -9.0% (Feb 2026→Mar 2026) | -22.8% (Dec 2024→Apr 2025) |
OVLY revenue by product line (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Deposit Account | $440,000 | — | +3.0% |
| Debit Card | $351,000 | — | -19.5% |
| Total revenue | — | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
OVLY company outlook (results filed Oct 23, 2026)
- “The Company recorded a provision for credit losses of $42,000 during the third quarter related to off-balance-sheet-items as determined by macro-economic conditions and other credit-related factors within our current expected credit loss ("CECL") risk model.”
Quoted word-for-word from the SEC 8-K results press release.
OVLY analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter | — | — | — | $0 | — |
| Next quarter | — | — | — | $0 | — |
| Current fiscal year | — | — | — | $0 | — |
| Next fiscal year | — | — | — | $0 | — |
Key Statistics (as of October 24, 2026 at 04:26 UTC)
| Price | USD 34.11 |
|---|---|
| Change | ▼ 0.41% (down) |
| Previous Close | USD 34.25 |
| Open | USD 33.79 |
| Day Range | USD 33.79 – 34.56 |
| 52-Week Range | USD 26.47 – 35.97 |
| Volume | 14,942 shares |
| Market Cap | $286.96M |
| Exchange | NCM |
Technical Analysis (OVLY)
Nexqual's technical model rates OVLY "NEUTRAL" based on 3 bullish and 2 bearish signals across 127 daily candles, as of October 24, 2026 at 04:26 UTC.
| Overall Signal | NEUTRAL |
|---|---|
| RSI (14) | 51.59 (neutral) |
| vs SMA50 | Below (USD 34.13) |
| MACD | -0.08 (negative) |
Analyst Ratings (OVLY)
Wall Street analysts rate OVLY "None", per Nexqual as of October 24, 2026 at 04:26 UTC.
| Consensus Rating | None |
|---|
Earnings (OVLY)
| Next Earnings Date | 2026-10-28 |
|---|
Source: Nexqual, October 24, 2026 at 04:26 UTC.
Financials & Fundamentals (OVLY)
| Total Revenue | $83.45M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +1.80% |
| Gross Margin | +0.00% |
| Operating Margin | +37.90% |
| Profit Margin | +27.81% |
Source: Nexqual, October 24, 2026 at 04:26 UTC.
Financial Health Score (OVLY)
Nexqual rates Oak Valley Bancorp's overall financial health "Mixed" across five dimensions, as of October 24, 2026 at 04:26 UTC.
| Growth | Mixed — Revenue +1.8% YoY (latest Q), slow |
|---|---|
| Profitability | Strong — Net margin 28% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: State Commercial Banks) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: State Commercial Banks) |
| Efficiency | Mixed — No data |
Ownership (OVLY)
| Insider Ownership | +15.18% |
|---|---|
| Institutional Ownership | +37.62% |
| Shares Outstanding | 8.41M |
| Float | 7.10M |
| Short % of Float | +1.10% |
Source: Nexqual, October 24, 2026 at 04:26 UTC.
Leadership (OVLY)
Oak Valley Bancorp is led by Richard A. McCarty, President, CEO & Director, per Nexqual as of October 24, 2026 at 04:26 UTC.
| President, CEO & Director | Richard A. McCarty |
|---|---|
| Executive VP, CFO & Corporate Secretary | Jeffrey A. Gall |
| EVP & Chief Marketing Officer | Bill D. Nunes |
| Executive Vice President of Commercial Banking Group | Gary W. Stephens |
| Senior Vice President of Commercial Banking | Peter Brown |
Major Backers & Investors (OVLY)
Notable institutional backers of Oak Valley Bancorp include Siena Capital Partners GP, LLC, Cresset Asset Management, LLC, Southland Equity Partners LLC , according to Nexqual as of October 24, 2026 at 04:26 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Siena Capital Partners GP, LLC | 3.14% |
| Cresset Asset Management, LLC | 1.67% |
| Southland Equity Partners LLC | 1.53% |
| Fidelity | 1.29% |
| American Century Companies Inc | 1.18% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 6.08% |
| Vanguard Group | 3.52% |
| Dimensional Fund Advisors | 2.25% |
| Geode Capital | 2.09% |
| State Street | 1.55% |
Source: Nexqual, October 24, 2026 at 04:26 UTC.
From Oak Valley Bancorp's Latest SEC 10-K Filing (filed 2026-03-25)
Legal & Regulatory Risks (Item 1A, quoted)
- We are required by federal regulatory authorities to maintain adequate levels of capital to support our operations. At some point, we may need to raise additional capital to support continued growth.
- We operate in a highly regulated environment and our operations and income may be affected adversely by changes in laws, rules and regulations governing our operations.
- The Dodd-Frank Act and supporting regulations could have a material adverse effect on us.
- We are subject to federal and state fair lending laws, and failure to comply with these laws could lead to material penalties.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| BBD | Banco Bradesco Sa | USD 4.07 | ▲ 3.04% |
| FITB | Fifth Third Bancorp | USD 52.98 | ▼ 0.47% |
| DB | Deutsche Bank AG | USD 31.2 | ▼ 0.89% |
| TFC | Truist Financial Corporation | USD 48.44 | ▲ 0.04% |
| NWG | NatWest Group plc | USD 16.8 | ▼ 1.12% |
| NU | Nu Holdings Ltd. | USD 15.16 | ▲ 2.92% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 24, 2026 at 04:26 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt