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what it is
Oak Valley is a community bank that takes local deposits and turns them into business and real estate loans.
how it gets paid
Last year Oak Valley Bancorp made $83M in revenue. net interest income was the main engine at $74.6M, or 90% of sales.
what just happened
Feeds disagree: one print shows ~$2.12 EPS with ~$65M revenue; the filing-aligned quarter in the KPI block below is nearer ~$21M revenue. Treat Yahoo-style ~$0.81 EPS as a different adjustment window—not the same line as $2.12.
At a glance
B+ balance sheet — decent shape, but not bulletproof
60/100 earnings predictability — reasonably predictable
10.9x trailing p/e — the market's not buying it — or you found a deal
2.4% dividend yield — cash in your pocket every quarter
$3.02 fy2024 eps (reported)
xvary composite: 64/100 — average
What they do
Oak Valley is a community bank that takes local deposits and turns them into business and real estate loans.
This bank wins the old-fashioned way: your checking account, your credit line, and your payroll file all live in the same place. Moving that is annoying, which is the real moat. Oak Valley runs a 199-person franchise across the California Central Valley and Eastern Sierra, and that local grip helps support a 2.4% dividend yield and a 70/100 price-stability score.
How they make money
$83M
annual revenue
net interest income
$74.6M
service charges on deposits
$2.4M
merchant and card services
$2.1M
mortgage and loan fees
$1.8M
other banking fees
$2.1M
The products that matter
core banking spread income
Net interest income
$74.6M · 90% of revenue
it generated $74.6M in 2025 and pays for almost everything else. if this line weakens, the whole snapshot reads differently.
90% of revenue
customer funding base
Deposit accounts
$1.8B deposits
these deposits are the funding engine. for a bank with a $266M market cap, that balance-sheet base is the fact you keep coming back to.
funding engine
fees and other banking income
Non-interest income
$8.3M · 10% of revenue
this $8.3M line is small. if the spread tightens, there is not much else here to soften the hit.
thin cushion
Key numbers
0.75
beta
Beta → how jumpy the stock is versus the market → so what: OVLY has moved about 25% less wildly than the market over time.
10.9x
trailing p/e
P/E → price versus yearly profit → so what: you are paying $10.90 for each $1 of earnings, which is cheap next to many banks.
$3.02
2024 eps
EPS → profit per share → so what: 2024 profit fell from $3.75 in 2023, so your whole thesis depends on that drop stabilizing.
2.4%
dividend yield
Dividend yield → cash paid to you each year as a percent of the stock price → so what: you get paid to wait, but not enough to ignore falling earnings.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 2 — safer than 80% of stocks
- price stability 70 / 100
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for OVLY right now.
source: institutional data · return history unavailable
What just happened
verify Q revenue & EPS feeds
Quarterly prints conflict: ~$2.12 EPS in one scrape vs ~$21M revenue in another—do not merge them into one story without the filing.
The ~$65M revenue / +189% vs. prior year / +162% EPS chain does not reconcile with a ~$83M FY revenue bank—treated as bad aggregation. Anchor diligence to the ~$21M quarter revenue in the KPI row and reconcile EPS (GAAP vs adjusted, TTM vs quarter) before calling a beat.
$21M
revenue
$2.12
eps
25.3%
net margin
the number that mattered
$2.12 matters because it is far above the $0.73 fourth-quarter 2024 EPS in the quarterly history, which tells you the data feeds are not telling one clean story.
source: EDGAR SEC filings, 2026
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What could go wrong
the central risk is simple: $74.6M of OVLY's $82.9M revenue comes from net interest income. when one line supplies 90% of revenue, rates, funding costs, and management execution stop being background noise.
high
June 30, 2026 CEO handoff
Rick McCarty takes over as profits are already moving lower.
Management transitions get harder when net income has already fallen 4.1% to $23.9M.
high
interest spread pressure
Net interest income was $74.6M, or 90% of revenue. If deposit costs stay elevated while loan yields soften, the profit engine takes the hit first.
This is a concentrated earnings model. Small spread moves matter more than they look.
med
thin fee-income cushion
Non-interest income was just $8.3M, or 10% of revenue. There is not much diversification here if the core spread business slows.
You are underwriting one main earnings stream, not a balanced bank model.
med
profit drift becomes the story
2025 EPS was $2.88 against a $3.02 estimate. If misses keep showing up, the 10.9x multiple stops looking like value and starts looking like a warning label.
Cheap banks with shrinking earnings have a habit of staying cheap.
OVLY generated a 29.6% net margin and still saw annual profit fall. That's the tension you need to resolve before calling the stock cheap.
source: institutional data · regulatory filings · risk analysis
Pay attention to
calendar
June 30, 2026 CEO transition
This is the corporate event that matters most right now. You want to hear how the new CEO talks about loan growth, deposit pricing, and discipline.
metric
net interest income
At $74.6M and 90% of revenue, this is the line that carries the whole page. If it weakens again, the model does not have much else to hide behind.
trend
whether 2025 was a wobble or a direction
Net income fell 4.1% to $23.9M. One soft year is manageable. Two in a row changes the whole valuation conversation.
risk
fee-income diversification
Non-interest income is only $8.3M. If management cannot grow that bucket, you stay heavily tied to rate-sensitive spread income.
Analyst rankings
earnings predictability
60 / 100
earnings are reasonably stable, but not smooth enough to trust on autopilot. in human-speak, this looks steady until the spread business stops being steady.
risk rank
2
risk rank 2 means safer than 80% of stocks. you are not buying a high-drama balance sheet here.
price stability
70 / 100
the stock has been relatively stable by small-cap standards. that's helpful, but stable price action is not the same thing as improving fundamentals.
source: institutional data
Institutional activity
institutional ownership data for OVLY is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$31
current price
n/a
target midpoint · n/a from current
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