Stocks · Financial Services · Banks - Regional
Oak Valley Bancorp OVLY
$34.09 +0.50% Close, Oct 2, 2026 · NASDAQ · Market cap $286.8M
High quality
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- At 12.1× trailing earnings, the shares trade at the highest P/E of the company's past five years.
- The stock is in an uptrend: above its 200-day average for 238 trading days, with the 50-day average above the 200-day.
- Revenue over the last four quarters was $87.2M, down 5.0% from a year earlier, slowing from -1.1% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 17%
- EPS growth (TTM, YoY)Bottom 27%
- FCF growth (TTM, YoY)Bottom 44%
- Revenue growth, 3-year CAGRBottom 20%
- Revenue growth accelerationBottom 27%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 14%
- Gross marginTop 4%
- Operating marginTop 22%
- Cash conversion (OCF / net income)Bottom 48%
- Accruals (lower is better)Bottom 43%
- Net debt / EBITDA (lower is better)Top 6%
- Interest coverTop 28%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 33%
- Free-cash-flow yieldTop 43%
- EBITDA / enterprise valueTop 7%
- Sales / enterprise valueTop 20%
- P/E vs own 5-year history (lower is better)Bottom 2%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 31%
- 6-month returnBottom 45%
- 1-year return vs S&P 500Top 29%
- Distance from 52-week highTop 25%
- Trend checklist (0–4)Top 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 42%
- Maximum drawdown, 3 yearsTop 44%
- Beta vs S&P 500 (lower is better)Top 39%
- Net debt / EBITDA (lower is better)Top 6%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -1.1% | -5.0% | ↓ |
| EPS growth (YoY) | -3.0% | -3.8% | ↓ |
| Gross margin | 86.8% | 94.7% | ↑ |
| Operating margin | 34.3% | 34.3% | ↑ |
| FCF margin | 25.0% | 29.4% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -5.0% | -1.1% | ↓ | Bottom 17% |
| EPS growth (TTM, YoY) | -3.8% | -3.0% | ↓ | Bottom 27% |
| Gross margin | 94.7% | 86.8% | ↑ | Top 4% |
| Operating margin | 34.3% | 34.3% | ↑ | Top 22% |
| Net margin | 26.9% | 26.4% | ↑ | — |
| Free-cash-flow margin | 29.4% | 25.0% | ↑ | — |
| Return on invested capital | 9.9% | — | Top 14% | |
| Revenue growth, 3-year CAGR | 7.0% | — | Bottom 20% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.14×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.8%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -4.69×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 2.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.97%
- Net buyback yield (TTM)
- 0.02%
- Shareholder yield
- 1.99%
- Share count change, 1 year
- +0.6%
- Share count change, 3-year CAGR
- +0.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 14, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- -0.3%
- Positive 20 days after report
- 7 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | — | -1.2% | +3.1% | +3.5% | — |
| Apr 22, 2026 | — | -1.0% | -2.3% | -4.2% | -3.1% |
| Jan 23, 2026 | — | -1.3% | -2.0% | +3.9% | +7.7% |
| Oct 22, 2025 | — | +4.1% | +5.0% | +6.7% | +19.4% |
| Jul 18, 2025 | — | -0.1% | -0.4% | +1.3% | -5.5% |
| Apr 18, 2025 | — | -2.0% | +3.4% | +8.1% | +16.2% |
| Jan 24, 2025 | — | -1.1% | -1.4% | +2.7% | -10.5% |
| Oct 18, 2024 | — | +0.1% | -0.3% | +11.4% | -1.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $0.61 | — | — | $20.6M |
| Apr 22, 2026 | $0.64 | — | — | $20.8M |
| Jan 23, 2026 | $0.76 | — | — | $21.3M |
| Oct 22, 2025 | $0.81 | — | — | — |
| Jul 18, 2025 | $0.67 | — | — | $23.1M |
| Apr 18, 2025 | $0.64 | — | — | $22.7M |
| Jan 24, 2025 | $0.73 | — | — | $19.3M |
| Oct 18, 2024 | $0.89 | — | — | $19.5M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.1× | 8.9× | 100th | Top 33% |
| EV / EBITDA | 4.6× | — | — | Top 7% |
| EV / Sales | 1.63× | — | — | Top 20% |
| Free-cash-flow yield | 8.93% | — | — | Top 43% |
| Earnings yield | 8.27% | — | — | Top 33% |
P/E over the past five years
Range 6.3× – 12.1× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +22.5%
- Earnings per share growth (TTM)
- -3.8%
- Change in P/E multiple
- +25.6%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 1
- Days above the 200-day average
- 238
- 50-day average slope (20 days)
- +0.9%
- 200-day average slope (20 days)
- +1.8%
- Distance from 50-day average
- +0.2%
- Distance from 200-day average
- +3.1%
- RSI (14)
- 49.5
- Relative volume
- 0.45×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.2%
- Volatility vs own 5-year history
- 6th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.58
- Correlation with S&P 500
- 0.35
- Current drawdown from 1-year high
- -2.8%
- Maximum drawdown, 3 years
- -27.2%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 10, 2024 | Apr 16, 2025 | -27.2% | 86 days | 191 days (Jan 21, 2026) |
| Dec 28, 2023 | Apr 15, 2024 | -23.8% | 73 days | 155 days (Nov 22, 2024) |
| Mar 15, 2021 | Apr 12, 2021 | -19.2% | 19 days | 420 days (Dec 8, 2022) |
| Nov 10, 2020 | Jan 21, 2021 | -17.4% | 48 days | 30 days (Mar 5, 2021) |
| Feb 24, 2023 | May 12, 2023 | -17.4% | 54 days | 48 days (Jul 24, 2023) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $286.8M
- P/E (TTM)
- 12.1
- EPS, diluted (TTM)
- $2.82
- Revenue (TTM)
- $87.2M
- Dividend yield
- 2.20%
- 52-week range
- $25.41 – $35.97
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $55.2M | $66.8M | $87.3M | $89.4M | $81.7M |
| Gross profit | $54.9M | $67.0M | $81.5M | $78.2M | $80.9M |
| Operating income | $21.7M | $29.7M | $40.3M | $32.2M | $30.6M |
| Net income | $16.3M | $22.9M | $30.8M | $24.9M | $23.9M |
| EPS (diluted) | $2.00 | $2.79 | $3.75 | $3.02 | $2.88 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $23.0M | $22.9M | $22.7M | $23.1M | $24.5M | $21.3M | $20.8M | $20.6M |
| Net income | $7.3M | $6.0M | $5.3M | $5.6M | $6.7M | $6.3M | $5.3M | $5.1M |
| EPS (diluted) | $0.89 | $0.73 | $0.64 | $0.67 | $0.81 | $0.76 | $0.64 | $0.61 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $11.2M | $22.8M | $33.1M | $25.6M | $28.7M |
| Capital expenditure | -$978,000 | -$1.2M | -$1.9M | -$1.8M | -$4.1M |
| Free cash flow | $10.2M | $21.6M | $31.2M | $23.9M | $24.6M |
| Dividends paid | -$2.4M | -$2.5M | -$2.6M | -$3.7M | -$5.0M |
| Net share buybacks | $0 | -$121,000 | -$211,000 | -$158,000 | $0 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $144.8M
- Total assets
- $2.00B
- Total liabilities
- $1.78B
- Total debt
- $0
- Net debt
- -$144.8M
- Shareholders’ equity
- $217.0M
As of Jun 30, 2026 (filed Aug 14, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 3, 2026 | $0.38 | Aug 14, 2026 |
| Feb 2, 2026 | $0.38 | Feb 13, 2026 |
| Jul 28, 2025 | $0.30 | Aug 8, 2025 |
| Feb 3, 2025 | $0.30 | Feb 14, 2025 |
| Jul 29, 2024 | $0.23 | Aug 9, 2024 |
| Jan 26, 2024 | $0.23 | Feb 9, 2024 |
| Jul 28, 2023 | $0.16 | Aug 11, 2023 |
| Jan 27, 2023 | $0.16 | Feb 10, 2023 |
Short interest
- Shares sold short
- 88,922
- Days to cover
- 4.19
- Change vs previous report
- -2.4%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jan 17, 2006
- 3-for-2
- Jan 14, 2005
- 3-for-2
- Jun 27, 2003
- 3-for-2
- Mar 15, 2000
- 3-for-2
- Mar 3, 1999
- 5-for-4