# Oak Valley Bancorp (OVLY)

> Source: Nexqual · https://nexqual.com/OVLY · data as of 2026-10-23 20:00 UTC · cite as "Nexqual, Oak Valley Bancorp (OVLY), nexqual.com/OVLY" · informational, not investment advice.

**Price:** USD 34.11 (-0.41% on the day) · last close of Oct 23, 2026; US market closed, not a live price. Prev close 34.25 · day 33.79–34.56 · 52w 26.47–35.97 · market cap $287M · NCM

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $83.8M, net income $23.5M (28.0% margin) (SEC filings).
- 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.
- 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)
| 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)

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)
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)
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) |

## Total return (dividends reinvested)
|  | 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) |

## Peers (Banks - Regional)
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%

## More
Full page: https://nexqual.com/OVLY · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Revenue by product line (quarter ended 2026-06-30)

| Line | Revenue | Share | YoY |
|---|---|---|---|
| Deposit Account | $440,000 | — | +3.0% |
| Debit Card | $351,000 | — | -19.5% |
| Total revenue | — | 100% | — |

## Company outlook (8-K filed 2026-10-23)

- "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."

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter | — | — | — | $0 | — |
| Next quarter | — | — | — | $0 | — |
| Current fiscal year | — | — | — | $0 | — |
| Next fiscal year | — | — | — | $0 | — |