OVLY
NEUTRAL
$34.65
Live
Oak Valley Bancorp · NASDAQ
$23.27
52W Range
$34.96
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 16, 2026
Market cap
$291.53M
P/E
12.03
ROE
12.2%
Profit margin
29.5%
Debt/Equity
N/A
Dividend yield
2.17%
AI Analysis
AI-powered fundamental assessment
Confidence
80%
OVLY presents a valuation disconnect, with a stable Piotroski F-Score of 4/9 and a current price of $34.65 trading significantly below its Graham Number ($40.42) and Intrinsic Value ($43.92). While fundamental profitability is healthy with an ROE of 12.22% and a very sustainable dividend payout ratio of 20.83%, the outlook is tempered by a highly bearish technical trend score (10/100) and net bearish insider activity. The company shows steady but modest growth, positioning it as a value play that is currently facing technical headwinds.
Key Strengths
Trading at a discount to Graham Number ($40.42) and Intrinsic Value ($43.92)
Strong profitability metrics for a regional bank (ROE 12.22%, ROA 1.22%)
Highly sustainable dividend payout ratio at 20.83%
Low P/E ratio (12.03) relative to the broader financial services sector average
Strong historical price performance with a 1Y change of +47.1%
Key Risks
Severely bearish technical trend score (10/100) suggesting potential momentum reversal
Net bearish insider sentiment with recent director sales
Modest revenue and earnings growth (approx 5-6% YoY)
Lack of analyst coverage and target price guidance
Regional bank sector exposure to interest rate volatility
AI Fair Value Estimate
Based on comprehensive analysis
$41.2
+18.9% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
67
Strong
85
55
80
50
65
AI Verdict
Undervalued but technically weak
Key drivers: Deep value relative to Graham/Intrinsic formulas, Stable financial health (Piotroski 4/9), Strong historical returns, Bearish technicals and insider selling
Confidence
85%
Value
85/100
Ref P/E 12.03, Graham Number $40.42
Positives
- P/E of 12.03 is very attractive
- Price is ~15-20% below intrinsic estimates
Watchpoints
- Price/Sales of 3.60 is moderate
Future
55/100
Ref Growth rates
Positives
- Positive Q/Q revenue growth (10.41%)
Watchpoints
- Low YoY earnings growth (5.50%)
Past
80/100
Ref Historical trends
Positives
- Impressive 5Y change of +126.1%
- Consistent 1Y growth of +47.1%
Watchpoints
No urgent risks highlighted.
Health
50/100
Ref Piotroski F-Score 4/9
Positives
- Piotroski F-Score of 4/9 indicates stability
Watchpoints
- Altman Z-Score unavailable for definitive distress analysis
Dividend
65/100
Ref Yield 2.17%, Payout 20.83%
Positives
- Very low payout ratio (20.83%) allows for future increases
Watchpoints
- Modest yield of 2.17%
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$34.65
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for OVLY and closest competitors.
Updated 2026-04-15
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
OVLY
Oak Valley Bancorp
Primary
|
+126.1% | +50.3% | +47.1% | +32.3% | +8.2% | +1.9% |
|
GPAC
General Purpose Acquisition Corp.
Peer
|
+0.3% | +0.3% | +0.3% | +0.3% | +0.2% | 0.0% |
|
HCAC
Hall Chadwick Acquisition Corp.
Peer
|
0.0% | 0.0% | 0.0% | 0.0% | -0.4% | -0.1% |
|
ACV
Virtus Diversified Income & Convertible Fund
Peer
|
+58.2% | +76.3% | +36.2% | +30.3% | +7.0% | +2.3% |
|
FUND
Sprott Focus Trust, Inc.
Peer
|
+76.1% | +49.8% | +51.6% | +22.1% | +2.6% | +1.9% |
OVL
Oak Valley Bancorp
Primary
5Y
+126.1%
3Y
+50.3%
1Y
+47.1%
6M
+32.3%
1M
+8.2%
1W
+1.9%
GPA
General Purpose Acquisition Corp.
Peer
5Y
+0.3%
3Y
+0.3%
1Y
+0.3%
6M
+0.3%
1M
+0.2%
1W
0.0%
HCA
Hall Chadwick Acquisition Corp.
Peer
5Y
0.0%
3Y
0.0%
1Y
0.0%
6M
0.0%
1M
-0.4%
1W
-0.1%
ACV
Virtus Diversified Income & Convertible Fund
Peer
5Y
+58.2%
3Y
+76.3%
1Y
+36.2%
6M
+30.3%
1M
+7.0%
1W
+2.3%
FUN
Sprott Focus Trust, Inc.
Peer
5Y
+76.1%
3Y
+49.8%
1Y
+51.6%
6M
+22.1%
1M
+2.6%
1W
+1.9%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
12.03
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
1.37
P/S Ratio
3.6
EV/Revenue
2.94
EV/EBITDA
N/A
Market Cap
$291.53M
Profitability
Profit margins and return metrics
Profit Margin
29.55%
Operating Margin
41.34%
Gross Margin
N/A
ROE
12.22%
ROA
1.22%
Growth
Revenue and earnings growth rates
Revenue Growth
+5.9%
Earnings Growth
+5.5%
Q/Q Revenue Growth
+10.41%
Q/Q Earnings Growth
+5.4%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$6.79
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
29.8%
Total Assets
$2.0B
Liabilities
$1.8B
Equity
$0.2B
Debt/Equity
8.73x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
93%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-17
$N/A
Financial Services Sector Comparison
Comparing OVLY against 500 companies in the Financial Services sector
(90 bullish, 207 neutral, 203 bearish)
P/E Ratio
12.03
This Stock
vs
45.14
Sector Avg
-73.3%
(Discount)
Return on Equity (ROE)
12.22%
This Stock
vs
-0.0%
Sector Avg
-285123.4%
(Below Avg)
Profit Margin
29.55%
This Stock
vs
48.63%
Sector Avg
-39.2%
(Weaker)
Revenue Growth
5.9%
This Stock
vs
36.71%
Sector Avg
-83.9%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
OVLY
Oak Valley Bancorp
|
NEUTRAL | $291.53M | 12.03 | 12.2% | 29.5% | $34.65 | |
|
GPAC
General Purpose Acquisition Corp.
|
NEUTRAL | $291.75M | - | -% | -% | $9.92 | Compare |
|
HCAC
Hall Chadwick Acquisition Corp.
|
NEUTRAL | $290.22M | - | -% | -% | $9.94 | Compare |
|
ACV
Virtus Diversified Income...
|
BEARISH | $289.92M | 6.7 | -% | -% | $27.94 | Compare |
|
FUND
Sprott Focus Trust, Inc.
|
BULLISH | $293.88M | 5.37 | 20.1% | 646.0% | $9.83 | Compare |
OVLY
Oak Valley Bancorp
NEUTRAL
Mkt Cap
$292M
P/E
12.0
ROE
12.2%
Price
$34.65
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-27 | MCCARTY RICHARD A | President | Stock Award | 4,070 | - |
| 2026-02-27 | COURTNEY CHRISTOPHER M | Chief Executive Officer | Stock Award | 5,267 | - |
| 2026-02-27 | RODRIGUES MICHAEL J. | Officer | Stock Award | 784 | - |
| 2026-02-27 | GALL JEFFREY A | Chief Financial Officer | Stock Award | 784 | - |
| 2026-02-27 | STAHL RUSSELL E | Chief Technology Officer | Stock Award | 784 | - |
| 2026-02-27 | LAFFERTY ALLISON C | Director | Purchase | 506 | $16,492 |
| 2026-02-27 | STEPHENS GARY | Officer | Stock Award | 784 | - |
| 2026-02-27 | DEHART JULIE | Officer | Stock Award | 784 | - |
| 2026-02-27 | GHAN CATHY | Officer | Stock Award | 784 | - |
| 2026-02-27 | ROLAND THERESA | Officer | Stock Award | 784 | - |
| 2026-02-27 | BOOKE KIMBERLY D | Officer | Stock Award | 784 | - |
| 2026-02-13 | HAIDLEN ERICH | Director | Purchase | 250 | $8,307 |
| 2026-01-12 | BARTON DONALD | Director | Sale | 375 | $11,344 |
| 2025-12-12 | BARTON DONALD | Director | Sale | 375 | $11,360 |
| 2025-11-25 | LAFFERTY ALLISON C | Director | Purchase | 489 | $13,929 |
MCCARTY RICHARD A
President
2026-02-27
4,070 shares
COURTNEY CHRISTOPHER M
Chief Executive Officer
2026-02-27
5,267 shares
RODRIGUES MICHAEL J.
Officer
2026-02-27
784 shares
GALL JEFFREY A
Chief Financial Officer
2026-02-27
784 shares
STAHL RUSSELL E
Chief Technology Officer
2026-02-27
784 shares
LAFFERTY ALLISON C
Director
2026-02-27
506 shares
·
$16,492
STEPHENS GARY
Officer
2026-02-27
784 shares
DEHART JULIE
Officer
2026-02-27
784 shares
GHAN CATHY
Officer
2026-02-27
784 shares
ROLAND THERESA
Officer
2026-02-27
784 shares
BOOKE KIMBERLY D
Officer
2026-02-27
784 shares
HAIDLEN ERICH
Director
2026-02-13
250 shares
·
$8,307
BARTON DONALD
Director
2026-01-12
375 shares
·
$11,344
BARTON DONALD
Director
2025-12-12
375 shares
·
$11,360
LAFFERTY ALLISON C
Director
2025-11-25
489 shares
·
$13,929
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning OVLY from our newsroom.
Newest → oldest
No matching news yet.