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Upturn AI Summary - About
Oak Valley Bancorp(OVLY)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for OVLY
10/27/2026: OVLY (1-star) is currently NOT-A-BUY. Pass it for now.
Oak Valley Bancorp is a stable, community-focused regional bank that primarily serves small to mid-sized businesses and individuals in California. The company maintains a leading position in its local markets, known for solid asset quality and strong, relationship-based banking services. Its primary investment story centers on steady organic growth and efficient capital management within its niche service areas. Primary risks include sensitivity to interest rate changes and geographic concentration within the California economy. The stock may be a suitable fit for value-oriented and income-focused investors seeking consistent, dividend-paying financial entities, provided they monitor regional economic developments and net interest margin trends.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company prioritizes steady, conservative growth over aggressive capital appreciation. |
| Momentum investor | Weak fit | Regional bank stocks typically lack the high volatility and rapid trend patterns momentum investors seek. |
| Value investor | Strong fit | The stock often trades at reasonable valuation multiples relative to book value and earnings. |
| Dividend investor | Strong fit | Consistent dividend payments make it suitable for income-focused investors. |
| Low-risk investor | Mixed fit | While more stable than high-growth sectors, banking carries inherent interest rate and credit cycle risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks fluctuate based on interest rate sentiment and economic cycles. |
| Valuation risk | Low | Typically trades within a reasonable range of tangible book value. |
| Competition risk (banking) | Medium | Small community banks face constant pressure from larger institutions and digital competitors. |
| Business quality | Medium | Quality is defined by consistent underwriting and steady, local revenue streams. |
| Dividend income | Medium | Dividends are dependent on earnings stability, which can be affected by economic downturns. |
| Execution risk | Low | The bank has a long history of stable management and disciplined operations. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -5.5% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/27/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 286.28M USD | Price to earnings Ratio 12.07 | 1Y Target Price - |
Price to earnings Ratio 12.07 | 1Y Target Price - | ||
Volume (30-day avg) 15.4K shares | Beta 0.21 | 52 Weeks Range 25.87 - 35.57 | Updated Date 10/27/2026 |
52 Weeks Range 25.87 - 35.57 | Updated Date 10/27/2026 | ||
Dividends yield (FY) 2.20% | Basic EPS (TTM) 2.82 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans (commercial and consumer) minus interest paid on customer deposits. | The bank makes most of its money from the spread between what it charges on loans and what it pays to depositors. |
| Non-Interest Income | Service charges on deposit accounts, loan fees, and other banking service fees. | These are recurring fee-based revenues that add stability beyond lending margins. |
Earnings Date
Report Date 2026-10-21 | When - | Estimate - | Actual 0.77 |
Profitability
Profit Margin 27.81% | Operating Margin (TTM) 37.9% |
Management Effectiveness
Return on Assets (TTM) 1.2% | Return on Equity (TTM) 11.64% |
Valuation
Trailing PE 12.07 | Forward PE 10.45 | Enterprise Value 94.85M | Price to Sales(TTM) 3.43 |
Enterprise Value 94.85M | Price to Sales(TTM) 3.43 | ||
Enterprise Value to Revenue 3.42 | Enterprise Value to EBITDA - | Shares Outstanding 8.41M | Shares Floating 7.10M |
Shares Outstanding 8.41M | Shares Floating 7.10M | ||
Percent Insiders 15.18 | Percent Institutions 37.62 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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