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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
09/14/2026: OVLY (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Oak Valley Bancorp is a regional community bank holding company primarily serving the Central Valley and Eastern Sierra regions of California. The company benefits from strong local brand loyalty and a disciplined, relationship-driven approach to commercial and retail banking. Its main growth opportunity lies in expanding its service footprint to new adjacent markets and enhancing its digital offerings to retain modern customers. However, investors should monitor risks such as geographic concentration in California and the ongoing pressure from both national banking giants and digital-only competitors. The stock may suit value-oriented and dividend-focused investors seeking a stable, traditional banking presence in specific local economies.
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 is a mature regional bank with stable rather than hyper-growth prospects. |
| Momentum investor | Mixed fit | This is a conditional play based on positive regional economic indicators and interest rate trends. |
| Value investor | Strong fit | The stock often trades at valuations that attract long-term value-oriented investors focusing on book value and earnings. |
| Dividend investor | Strong fit | The company offers consistent dividend payments suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While more stable than growth stocks, the bank is subject to sector-specific interest rate and credit risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock price is susceptible to interest rate news and banking sector sentiment. |
| Valuation risk | Low | Valuations are generally tied to stable fundamental metrics like tangible book value. |
| Competition risk (Banking) | Medium / high | Intense competition from larger banks and fintechs threatens market share and margins. |
| Business quality | Medium | The bank maintains a solid but modest franchise focused on a specific geographic area. |
| Dividend income | Medium | Dividends are dependent on the bank's ability to maintain earnings through varying economic cycles. |
| Execution risk | Low | Management has a long track record of operating within its defined local market. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -2.65% | Avg. Invested days 43 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/14/2026 |
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 290.57M USD | Price to earnings Ratio 12.25 | 1Y Target Price - |
Price to earnings Ratio 12.25 | 1Y Target Price - | ||
Volume (30-day avg) 25.0K shares | Beta 0.21 | 52 Weeks Range 24.83 - 35.57 | Updated Date 09/13/2026 |
52 Weeks Range 24.83 - 35.57 | Updated Date 09/13/2026 | ||
Dividends yield (FY) 2.16% | 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, consumer, real estate) minus interest paid on deposits. | The bank earns the spread between the interest it collects from borrowers and what it pays to savers. |
| Fee-Based Services | Service charges on deposit accounts, loan fees, and other banking service charges. | Non-interest income provides a secondary stream of revenue that diversifies the bank's earnings. |
Valuation
Trailing PE 12.25 | Forward PE 10.45 | Enterprise Value 98.82M | Price to Sales(TTM) 3.5 |
Enterprise Value 98.82M | Price to Sales(TTM) 3.5 | ||
Enterprise Value to Revenue 3.47 | Enterprise Value to EBITDA - | Shares Outstanding 8.41M | Shares Floating 7.10M |
Shares Outstanding 8.41M | Shares Floating 7.10M | ||
Percent Insiders 15.17 | Percent Institutions 35.98 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
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.
About Oak Valley Bancorp
Exchange NASDAQ | Headquarters Oakdale, CA, United States | ||
IPO Launch date 2003-10-15 | President, CEO & Director Mr. Richard A. McCarty | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 246 | Website https://www.ovcb.com |
Full time employees 246 | Website https://www.ovcb.com | ||
Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank that provides a range of commercial banking services to individuals and small to medium-sized businesses in the Central Valley and the Eastern Sierras. The company accepts deposits through checking and savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. It also provides commercial real estate loans, commercial business lending and trade finance, and small business administration lending, as well as consumer loans, including automobile loans, home mortgages, credit lines, and other personal loans. In addition, the company offers Internet, online, and mobile banking services; automated teller machines; and remote deposit capture, merchant, night depository, extended hours, wire transfer of funds, and note collection services. Oak Valley Bancorp was incorporated in 1990 and is headquartered in Oakdale, California.
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