Oak Valley Bancorp (OVLY) Stock Price, News & Analysis

Company Overview

Oak Valley Bancorp is the bank holding company for Oak Valley Community Bank, a California-chartered commercial bank headquartered in Lodi, California. Through its subsidiary, the company offers a full suite of banking services tailored to individuals, businesses, agricultural enterprises and nonprofit organizations. Its product portfolio includes checking and savings accounts, money market instruments, certificates of deposit and individual retirement accounts, alongside digital banking tools such as mobile and online banking platforms.

On the lending side, Oak Valley Bancorp provides commercial real estate and construction loans, agricultural and farm real estate financing, equipment leases, SBA-initiated programs and lines of credit. The bank also originates residential mortgage loans and offers consumer-focused lending options, including home equity lines of credit and installment loans. Specialized underwriting and relationship-driven lending serve small businesses, family farms and community organizations within its service area.

With a network of branches and loan production offices across San Joaquin, Stanislaus, Sacramen­to, Calaveras and Amador counties, Oak Valley Bancorp focuses on building local relationships and supporting economic growth in California’s Central Valley. The company’s leadership team is composed of banking veterans with deep ties to the communities it serves, guiding the institution’s emphasis on personalized service, prudent risk management and community reinvestment initiatives.

Key Stats

• Today's Range: $27.39 to $28.40
• 50-Day Range: $26.20 to $29.52
• 52-Week Range: $22.70 to $32.24
• Volume: 2,695 shs
• Average Volume: 13,170 shs
• Market Capitalization: $230.52 million
• P/E Ratio: 9.39
• Dividend Yield: 2.18%
• Price Target: N/A
• Consensus Rating: Buy

Oak Valley Bancorp Stock Analysis - MarketRank™

Oak Valley Bancorp scored higher than 49% of companies evaluated by MarketBeat, and ranked 695th out of 920 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Oak Valley Bancorp.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Oak Valley Bancorp is 9.39, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 234.48.

Price to Earnings Ratio vs. Sector

The P/E ratio of Oak Valley Bancorp is 9.39, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 30.34.

Price to Book Value per Share Ratio

Oak Valley Bancorp has a P/B Ratio of 1.25. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.55% of the float of Oak Valley Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Oak Valley Bancorp has a short interest ratio ("days to cover") of 2.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Oak Valley Bancorp has recently increased by 26.71%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

Oak Valley Bancorp pays a meaningful dividend of 2.18%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Oak Valley Bancorp has been increasing its dividend for 11 years.

Dividend Coverage

The dividend payout ratio of Oak Valley Bancorp is 20.48%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.55% of the float of Oak Valley Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Oak Valley Bancorp has a short interest ratio ("days to cover") of 2.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Oak Valley Bancorp has recently increased by 26.71%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 1.4 / 5
• News Sentiment: N/A

News Sentiment

Oak Valley Bancorp has a news sentiment score of 0.50. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.69 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Oak Valley Bancorp this week, compared to 2 articles on an average week.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Oak Valley Bancorp insiders have bought 222.36% more of their company's stock than they have sold. Specifically, they have bought $68,385.00 in company stock and sold $21,214.00 in company stock.

Percentage Held by Insiders

18.08% of the stock of Oak Valley Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 30.86% of the stock of Oak Valley Bancorp is held by institutions.

OVLY Stock Analysis - Frequently Asked Questions

How have OVLY shares performed this year?

Oak Valley Bancorp's stock was trading at $29.25 on January 1st, 2025. Since then, OVLY stock has decreased by 6.0% and is now trading at $27.5050.

How were Oak Valley Bancorp's earnings last quarter?

Oak Valley Bancorp (CA) (NASDAQ:OVLY) issued its quarterly earnings data on Friday, July, 18th. The financial services provider reported $0.67 earnings per share for the quarter. The financial services provider earned $19.86 million during the quarter. Oak Valley Bancorp had a trailing twelve-month return on equity of 13.12% and a net margin of 26.38%.

How do I buy shares of Oak Valley Bancorp?

Shares of OVLY stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Oak Valley Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Oak Valley Bancorp investors own include JPMorgan Chase & Co. (JPM), NVIDIA (NVDA), Tesla (TSLA), Advanced Micro Devices (AMD), Meta Platforms (META), Visa (V) and Home Depot (HD).

Company Calendar

• Last Earnings: 7/18/2025
• Record date for 8/8 Dividend: 7/28/2025
• Ex-Dividend for 8/8 Dividend: 7/28/2025
• Dividend Payable: 8/08/2025
• Today: 10/06/2025
• Next Earnings (Estimated): 10/17/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - WEST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:OVLY
• CIK: 1431567
• Web: www.ovcb.com
• Phone: (209) 848-2265
• Fax: 209-844-7542
• Employees: 200
• Year Founded: 1990

Profitability

• EPS (Trailing Twelve Months): $2.93
• Trailing P/E Ratio: 9.39
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $24.95 million
• Net Margins: 26.38%
• Pretax Margin: 34.31%
• Return on Equity: 13.12%
• Return on Assets: 1.27%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.77
• Quick Ratio: 0.77

Sales & Book Value

• Annual Sales: $78.05 million
• Price / Sales: 2.95
• Cash Flow: $3.24 per share
• Price / Cash Flow: 8.50
• Book Value: $21.95 per share
• Price / Book: 1.25

Miscellaneous

• Outstanding Shares: 8,381,000
• Free Float: 6,866,000
• Market Cap: $230.48 million
• Optionable: Not Optionable
• Beta: 0.38