Oak Valley Bancorp (OVLY)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$34.88+1.07%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · OVLY
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 0% of the last 1 guided quarters · -6.2% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue disciplined growth strategy while maintaining conservative risk management and stable credit quality.
Stated as a priority in 2 of last 2 quarters. Gross loans grew by $55.9 million from 2025-Q2 to 2026-Q2, net interest margin increased slightly from 4.11% to 4.15%, and nonperforming assets rose from 0.00% to 0.13% of total assets. Management emphasizes disciplined growth with conservative risk management; the trajectory shows loan growth and stable margin but some increase in nonperforming assets.
“Our second quarter results reflect loan growth, disciplined balance sheet management, and steady net interest margin.”
“We remain committed to disciplined growth while maintaining a conservative approach to risk management.”
Focus on stable credit quality with appropriate allowance for credit losses and monitoring of nonperforming assets.
Stated as a priority in 2 of last 2 quarters. The allowance for credit losses decreased from 1.13% to 0.96% of gross loans between 2026-Q1 and 2026-Q2, while provision for credit losses dropped from $464,000 to $21,000. Management reports stable credit quality and continues monitoring macro-economic factors; the trajectory shows improving credit loss provisions and stable credit quality.
“Provision for credit losses of $21,000 and allowance for credit losses at 0.96% of gross loans.”
“Provision for credit losses of $464,000; credit quality remains stable.”
Maintain profitability with stable net income and earnings per share growth over time.
Stated as a priority in 2 of last 2 quarters. Net income decreased slightly from $5.31 million in 2026-Q1 to $5.11 million in 2026-Q2, and diluted EPS declined from $0.64 to $0.61. Management highlights stable performance and loan growth supporting profitability; the trajectory shows slight decline but overall stable earnings.
“Net income was $5,114,000 or $0.61 EPS for the quarter.”
“Net income was $5,309,000 or $0.64 EPS for the quarter.”
Control non-interest expenses while supporting growth in loan and deposit portfolios.
Stated as a priority in 2 of last 2 quarters. Non-interest expense rose from $13.5 million in 2026-Q1 to $14.2 million in 2026-Q2, driven by staffing and operating costs to support growth. Management acknowledges expense increases aligned with portfolio growth; trajectory shows rising expenses consistent with stated priority.
“Non-interest expense totaled $14,157,000, increased due to staffing and operating costs.”
“Non-interest expense was $13,506,000, increase corresponds to servicing growing portfolios.”
Continue paying cash dividends to shareholders as part of capital allocation strategy.
Stated as a priority in 2 of last 2 quarters. Dividends paid per share were $0.375 in both 2026-Q1 and 2026-Q2, with the Board declaring the second dividend payment in 2026-Q2. Management continues to return value via dividends; the trajectory is consistent with ongoing dividend payments.
“Board declared payment of cash dividend of $0.375 per share, second dividend in 2026.”
“Dividends paid per common share was $0.375 in 2026-Q1.”
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Over the trailing year it converted 2.15x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, Fed net liquidity, real (inflation-adjusted) rates, long-term interest rates (low R² over the window).
2 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 57% for the rest of the cohort, n=2725).
Not investment advice. As of 2026-09-04.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.