Oak Valley Bancorp (OVLY)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$34.24-2.98%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
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.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Our second quarter results reflect loan growth, disciplined balance sheet management, and the benefit of a steady net interest margin," stated Rick McCarty, President and Chief Executive Officer.
Stated in 2 of 3 supplied quarters. Management reported: “Our second quarter results reflect loan growth, disciplined balance sheet management, and the benefit of a steady net interest margin," stated Rick McCarty, President and Chief Executive Officer.” ““We remain committed to disciplined growth while maintaining a conservative approach to risk management.”” Revenue was $22.489 million in 2026-Q2.
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 61% for the rest of the cohort, n=10284).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Our second quarter results reflect loan growth, disciplined balance sheet management, and the benefit of a steady net interest margin," stated Rick McCarty, President and Chief Executive Officer.”
““We remain committed to disciplined growth while maintaining a conservative approach to risk management.””
Management concluded that the ACL reserve relative to gross loans remains at acceptable levels, and credit quality remains stable.
Stated in 1 of 3 supplied quarters. Management reported: “Management concluded that the ACL reserve relative to gross loans remains at acceptable levels, and credit quality remains stable.” ““Our balance sheet remains strong and we continue to see stable performance across our core business lines,” stated Chris Courtney, CEO.”
“Management concluded that the ACL reserve relative to gross loans remains at acceptable levels, and credit quality remains stable.”
Our second quarter results reflect loan growth, disciplined balance sheet management, and the benefit of a steady net interest margin," stated Rick McCarty, President and Chief Executive Officer.
Stated in 1 of 3 supplied quarters. Management reported: “Our second quarter results reflect loan growth, disciplined balance sheet management, and the benefit of a steady net interest margin," stated Rick McCarty, President and Chief Executive Officer.”
“Our second quarter results reflect loan growth, disciplined balance sheet management, and the benefit of a steady net interest margin," stated Rick McCarty, President and Chief Executive Officer.”
Maintain profitability through net interest income, non-interest income, and expense management.
Continue cash dividend payments to shareholders as part of capital allocation.
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=6873).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (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 58% of the time over the next year (vs 59% for the rest of the cohort, n=7436).
Not investment advice. As of 2026-11-05.