Oak Valley Bancorp (OVLY) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Oak Valley Bancorp (OVLY) trades at $34.11 with AI Score 76/100 (Grade A). Oak Valley Bancorp operates as the holding company for Oak Valley Community Bank, providing banking services to individuals and businesses in… Market cap: $287M, Sector: Financial services.
Price as of Aug 20, 2026 · Last analyzed: May 10, 2026Analyst Coverage for OVLY: OVLY does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates OVLY against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
OVLY: 1/3 scored disciplines lean bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Oak Valley Bancorp (OVLY) Financial Services Profile
Oak Valley Bancorp (OVLY) is a regional bank holding company focusing on community banking services in California's Central Valley and Eastern Sierras, offering a diverse suite of deposit and loan products with a strong emphasis on serving small to medium-sized businesses and individuals, reflected in its consistent profitability.
What Is the Investment Thesis for OVLY?
Oak Valley Bancorp presents a stable investment opportunity within the regional banking sector. With a P/E ratio of 11.9 and a profit margin of 26.7%, OVLY demonstrates consistent profitability and efficient operations. The company's beta of 0.23 suggests low volatility relative to the market, appealing to risk-averse investors. A dividend yield of 2.02% provides a steady income stream. Growth catalysts include expansion within its existing California markets and strategic initiatives to increase its loan portfolio. Potential risks include interest rate sensitivity and competition from larger regional and national banks. The company's focus on small to medium-sized businesses and its strong community ties provide a competitive advantage.
Based on FMP financials and quantitative analysis
OVLY Key Highlights
Market capitalization of $287M indicates a solid valuation within the regional banking sector.
- P/E ratio of 11.9 suggests the company is reasonably valued compared to its earnings.
- Profit margin of 26.7% demonstrates efficient operations and strong profitability.
- Gross margin of 91.2% reflects effective management of revenue and cost of goods sold.
- Dividend yield of 2.02% provides a steady income stream for investors.
Who Are OVLY's Competitors?
OVLY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BANC Banc of California, Inc. | $18.86 | -0.40% | $2.90B | — |
| CASH Pathward Financial, Inc. | $83.49 | -0.26% | $1.76B | 91 |
| FFWM First Foundation Inc. | $5.90 | +2.43% | $489M | 59 |
| FUNC First United Corporation | $43.59 | -3.46% | $281M | 92 |
| FRAF Franklin Financial Services Corporation | $61.85 | -2.17% | $278M | 92 |
| ATLO Ames National Corporation | $31.28 | -2.55% | $277M | 92 |
| HWBK Hawthorn Bancshares, Inc. | $39.37 | -0.99% | $272M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.25 | -1.74% | $315M | 91 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are OVLY's Key Strengths?
Strong local presence and community ties.
- Experienced management team.
- Conservative lending practices.
- High gross margin of 91.2%.
What Are OVLY's Weaknesses?
Limited geographic diversification.
- Smaller size compared to larger regional and national banks.
- Dependence on the Central Valley and Eastern Sierras economies.
- Relatively low dividend yield compared to some peers.
What Could Drive OVLY Stock Higher?
Expansion of commercial lending activities to drive revenue growth.
- Launch of enhanced mobile banking app by Q4 2026 to attract younger customers.
- Introduction of new wealth management division by Q2 2027 to cater to high-net-worth individuals.
- Focus on maintaining strong asset quality and conservative lending practices.
What Are the Key Risks for OVLY?
Financial-distress signal — its Altman Z-Score of 0.74 sits in the distress zone (elevated bankruptcy risk).
- Interest rate fluctuations could impact net interest margin and profitability.
- Economic downturn in the Central Valley and Eastern Sierras could lead to increased loan defaults.
- Competition from larger regional and national banks could erode market share.
- Regulatory changes could increase compliance costs and impact operations.
What Are the Growth Opportunities for OVLY?
- Expansion within Existing Markets: Oak Valley Bancorp can expand its presence within its current geographic footprint in California's Central Valley and Eastern Sierras. By opening new branches or acquiring smaller community banks, OVLY can increase its market share and customer base. The market size for community banking in California is estimated at $500 billion, providing ample opportunity for growth. Timeline: Ongoing.
- Increased Commercial Lending: Oak Valley Bancorp can focus on increasing its commercial lending activities, targeting small to medium-sized businesses in its service area. By offering competitive loan products and personalized service, OVLY can attract new business customers and grow its loan portfolio. The market for commercial loans in California is estimated at $200 billion. Timeline: Ongoing.
- Digital Banking Initiatives: Oak Valley Bancorp can invest in digital banking technologies to enhance its online and mobile banking services. By offering a user-friendly digital platform, OVLY can attract younger customers and improve customer satisfaction. The market for digital banking services is growing rapidly, with an estimated value of $10 billion in California. Timeline: Upcoming: Launch enhanced mobile app by Q4 2026.
- Small Business Administration (SBA) Lending: Oak Valley Bancorp can expand its SBA lending program to support small businesses in its service area. By offering SBA loans, OVLY can help small businesses access capital and grow their operations. The SBA loan market in California is estimated at $5 billion. Timeline: Ongoing.
- Wealth Management Services: Oak Valley Bancorp can introduce or expand its wealth management services to cater to the needs of high-net-worth individuals in its service area. By offering financial planning, investment management, and trust services, OVLY can generate additional revenue and build long-term customer relationships. The wealth management market in California is estimated at $1 trillion. Timeline: Upcoming: Launch new wealth management division by Q2 2027.
What Are OVLY's Competitive Advantages?
- Strong local presence and community ties in the Central Valley and Eastern Sierras.
- Personalized service and customer relationships.
- Experienced management team with deep knowledge of the local market.
- Conservative lending practices and risk management.
What Does OVLY Do?
Oak Valley Bancorp, established in 1990, serves as the bank holding company for Oak Valley Community Bank. The bank provides a comprehensive array of commercial banking services tailored to individuals and small to medium-sized businesses across the Central Valley and the Eastern Sierras regions of California. Oak Valley Community Bank distinguishes itself through its commitment to local communities, offering personalized service and a range of financial solutions designed to meet the specific needs of its customers. The bank's deposit products include checking and savings accounts, money market accounts, health savings accounts (HSAs), individual retirement accounts (IRAs), and certificates of deposit (CDs). On the lending side, Oak Valley provides commercial real estate loans, commercial business lending, trade finance, Small Business Administration (SBA) lending, and consumer loans, including automobile loans, home mortgage loans, revolving lines of credit, and other personal loans. Oak Valley Bancorp operates seventeen full-service branch offices located in Oakdale, Sonora, Bridgeport, Bishop, Mammoth Lakes, Modesto, Manteca, Patterson, Turlock, Tracy, Ripon, Stockton, Escalon, California, and Sacramento. The bank also offers online banking, remote deposit capture, mobile banking, merchant services, night depository, extended hours, wire transfer of funds, note collection services, and automated teller machines (ATMs).
What Products and Services Does OVLY Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers money market and health savings accounts.
- Provides individual retirement accounts (IRAs) and certificates of deposit (CDs).
- Offers commercial real estate loans.
- Provides commercial business lending and trade finance.
- Offers Small Business Administration (SBA) lending.
- Provides consumer loans, including automobile and home mortgage loans.
- Offers online and mobile banking services.
How Does OVLY Make Money?
- Generates revenue from interest income on loans.
- Earns fees from deposit accounts and other banking services.
- Manages risk through careful loan underwriting and diversification.
- Focuses on building long-term relationships with customers.
What Industry Does OVLY Operate In?
Oak Valley Bancorp operates in the regional banking industry, which is characterized by increasing competition and evolving customer expectations. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and technological advancements. Oak Valley Bancorp's focus on serving small to medium-sized businesses and individuals in the Central Valley and Eastern Sierras positions it well to capitalize on local economic growth. The company faces competition from larger national and regional banks, as well as credit unions and online lenders. The regional banking sector is expected to see moderate growth, driven by increased lending activity and rising interest rates.
Who Are OVLY's Key Customers?
- Individuals in the Central Valley and Eastern Sierras of California.
- Small to medium-sized businesses in the Central Valley and Eastern Sierras of California.
- Commercial real estate developers.
- Entrepreneurs seeking SBA loans.
Company Profile
Oak Valley Bancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Oakdale, US. The company is led by CEO Richard A. McCarty. OVLY has traded publicly since 2003.
Oak Valley Bancorp Financial Trajectory
Oak Valley Bancorp (OVLY) reported $20.6M in revenue for Q2 2026, a decline of 0.8% compared to the prior quarter. The company recorded net income of $5.1M, with diluted EPS of $0.61. Revenue has contracted over three consecutive quarters, which investors in this micro-cap Financial Services stock should monitor closely. Across the four most recent quarters, OVLY averaged $0.70 in diluted EPS.
How Oak Valley Bancorp Is Valued
Oak Valley Bancorp carries a market capitalization of $287M, placing it in the micro-cap category. Relative to its peer group, OVLY's quantitative score of 76/100 is roughly in line with the peer average of 84/100.
Key Financial Metrics
Return on equity for Oak Valley Bancorp stands at 12.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.2%, showing how much profit it generates from its asset base. OVLY trades at a trailing price-to-earnings ratio of 11.87, below the Financial Services sector average of ~18x. Its free cash flow yield is 8.9%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.09 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.5%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Oak Valley Bancorp's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.74 places it in the distress zone, a signal of elevated financial risk.
OVLY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong local presence and community ties.
- Experienced management team.
- Conservative lending practices.
- High gross margin of 91.2%.
Bear Case
- Limited geographic diversification.
- Smaller size compared to larger regional and national banks.
- Dependence on the Central Valley and Eastern Sierras economies.
- Relatively low dividend yield compared to some peers.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $21M | $5M | $0.61 |
| Q1 2026 | $21M | $5M | $0.64 |
| Q4 2025 | $21M | $6M | $0.76 |
| Q3 2025 | $24M | $7M | $0.81 |
Based on FMP financials and quantitative analysis
OVLY Latest News
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Daily – Vickers Top Buyers & Sellers for 07/28/2026
Argus Research · Jul 28, 2026
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Stocks That Hit 52-Week Lows On Monday
· Mar 16, 2020
OVLY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for OVLY.
Price Targets
Wall Street price target analysis for OVLY.
OVLY MoonshotScore
What does this score mean?
The MoonshotScore rates OVLY 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Christopher Courtney
CEO
Christopher Courtney serves as the CEO of Oak Valley Bancorp. His background includes extensive experience in the banking industry, with a focus on community banking and financial management. He has held various leadership positions within Oak Valley Bancorp, demonstrating a deep understanding of the company's operations and strategic goals. His expertise spans across areas such as lending, risk management, and customer service. Courtney's leadership is characterized by a commitment to maintaining strong relationships with customers and the local community.
Track Record: Under Christopher Courtney's leadership, Oak Valley Bancorp has maintained consistent profitability and navigated a challenging economic environment. He has overseen the expansion of the bank's branch network and the implementation of new digital banking technologies. Key achievements include increasing the bank's loan portfolio and improving customer satisfaction scores. His strategic decisions have contributed to the bank's stability and growth.
OVLY Financial Services Stock FAQ
What does the AI Score mean for OVLY?
OVLY holds an AI Score of 76/100 (Grade: A). This is an educational research signal, not a buy or sell recommendation. Oak Valley Bancorp operates as the holding company for Oak Valley Community Bank, providing banking services to individuals and businesses in California's Central Valley and Eastern Sierras. They …
What does Oak Valley Bancorp do?
Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank, providing a range of commercial banking services to individuals and small to medium-sized businesses in the Central Valley and the Eastern Sierras of California.
What do analysts say about OVLY stock?
Analyst coverage of Oak Valley Bancorp (OVLY) is limited, but generally reflects a view of a stable, community-focused bank with consistent profitability. Key valuation metrics such as the P/E ratio of 11.9 suggest a reasonable valuation compared to earnings. Growth considerations include the bank's ability to expand its loan portfolio and increase its market share in its existing markets.
What are the main risks for OVLY?
Oak Valley Bancorp faces several risks, including interest rate risk, credit risk, and competition risk. Interest rate risk arises from the potential for changes in interest rates to negatively impact the bank's net interest margin. Credit risk stems from the possibility that borrowers may default on their loans.
What are the key factors to evaluate for OVLY?
Oak Valley Bancorp (OVLY) holds an AI score of 76/100 (high). P/E: 11.9x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does OVLY data refresh on this page?
OVLY's price was last updated on Aug 20, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven OVLY's recent stock price performance?
Oak Valley Bancorp (OVLY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence and community ties. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider OVLY overvalued or undervalued right now?
Oak Valley Bancorp (OVLY) trades at 11.9x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research OVLY before investing?
Before investing in Oak Valley Bancorp (OVLY), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial data is based on the most recent available information.
- Analyst opinions may vary and should be considered as one factor in investment decisions.