Oak Valley Bancorp (OVLY)
Runs community banking through Oak Valley Community Bank across Central Valley and Eastern Sierra.
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Operates a one-bank holding company built around Oak Valley Community Bank, offering commercial and consumer lending, deposits, treasury management, and wealth services. The footprint is concentrated in California's Central Valley and Eastern Sierra, with lending heavily tied to real estate.
Runs as the holding company for Oak Valley Community Bank, a California state-chartered bank serving individuals, local businesses, and institutional clients. Products include commercial and consumer lending, deposit accounts, treasury management, and wealth services.
Geography is concentrated: branches operate across the Central Valley and Eastern Sierra, including the Eastern Sierra Community Bank division. Management reports one banking segment because the same services are available across the branch network.
Revenue is built mainly from lending and deposit funding, with commercial real estate a major loan category. The business depends on local California economic conditions, real-estate credit quality, banking regulation, and competition from large banks, community banks, credit unions, finance companies, and online providers.
Company facts
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $144.8M · Total debt $0 · Total assets $2.00B · Shareholders' equity $217.0M
- Revenue
- $20.6M
- Operating income
- $6.4M
- Net income
- $5.1M
HistoryDividendAnnual yield
| Institutions | 35.32% | 2.97M shares | |
|---|---|---|---|
| 86 holders · as of Jun 30, 2026 | |||
| Insiders | 19.44% | 1.64M shares | |
| 21 holders · as of Sep 3, 2026 | |||
| Other | 45.24% | 3.81M shares | |
| remainder | |||
8.41M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 6.08% | 511,151 | as of Jun 30, 2026 |
H. Randolph Jr HolderInsiderdirector | 3.63% | 305,667 | filed Aug 18, 2026 |
Banc Fund VIII L.P.Institution | 3.54% | 297,677 | filed Feb 15, 2017 |
Vanguard Capital Management LLCInstitution | 3.52% | 296,205 | as of Jun 30, 2026 |
Siena Capital Partners GP, LLCInstitution | 3.14% | 263,847 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 26, 2026 | Allison Lafferty | director | +1,307 | $33.93 |
| Aug 28, 2026 | Daniel J. Leonard | director | +125 | $34.23 |
| Aug 26, 2026 | Don Barton | director | −375 | $34.07 |
| Aug 19, 2026 | Daniel J. Leonard | director | +125 | $34.59 |
| Aug 17, 2026 | H. Randolph Jr Holder | director | +115 | $33.75 |
- Wells Fargo
California branch giant across deposits, lending, treasury, and wealth
- Bank of America
National rival in small business, middle-market, deposits, and wealth
- JPMorgan Chase
Scale rival in commercial banking, treasury, CRE, and small business
- U.S. Bancorp
Western U.S. rival in business banking, payments, and wealth
- Bank of Montreal
NYSE-traded Canadian bank with U.S. commercial and business banking
- Citi
Global bank with Citibank retail, commercial treasury, and wealth overlap
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Oak Valley Bancorp | $34.42 | +0.15% | $289.2M | 12.2 | — | 3.3 | −10.9% |
| Wells Fargo | $83.34 | +0.22% | $261.71B | 12.5 | 11.1 | 2.0 | +8.6% |
| Bank of America | $56.36 | +0.27% | $411.32B | 13.4 | 11.4 | 2.1 | +19.3% |
| JPMorgan Chase | $340.74 | +0.20% | $943.29B | 15.2 | 14.1 | 3.2 | +27.8% |
| U.S. Bancorp | $59.46 | +0.05% | $94.15B | 12.1 | 10.9 | 2.2 | +10.6% |
| Bank of Montreal | $174.35 | −0.01% | $124.11B | 20.3 | 16.3 | 2.2 | −20.6% |
| Citi | $132.60 | +0.13% | $231.60B | 14.6 | 11.4 | 1.3 | +14.3% |
| Median | 14.0 | 11.4 | 2.1 | +12.4% |