Oak Valley Bancorp (OVLY)

Oak Valley Bancorp reported its third-quarter results on October 22, 2025, with consolidated net income of $6.693 million, or $0.81 per diluted share, an increase from the prior quarter but a decrease compared to the same period in 2024. Second-quarter results, reported on July 18, 2025, also showed an increase in net income compared to the prior quarter due to loan growth and rising loan portfolio yields, but a decrease compared to Q2 2024 due to increased deposit interest expense and operating expenses. Director Allison Lafferty purchased 489 shares on November 25, 2025, and Director Gary Strong purchased shares on October 27, 2025. Over the last 12 months, the stock's price has decreased by 9.08%, with a year-to-date return of -4.55%, but in the past month, the stock has seen a slight increase of 0.61%.

While specific seasonality for Oak Valley Bancorp's products and services is not detailed, the banking industry generally experiences seasonal trends. Loan demand typically sees low points in January and February, increasing in March and often peaking in August or September, before declining again towards December. There is often increased demand for investment services in December and early January, as well as a rise in activity in March due to tax planning.

Oak Valley Bancorp (OVLY) is a bank holding company operating through Oak Valley Community Bank, offering commercial banking services for individuals and small to medium-sized businesses. Its services include checking and savings accounts, various loan types, online and mobile banking, wealth management, and other financial services.

Oak Valley Bancorp's operations are concentrated in California, specifically within the Central Valley, Sacramento Region, and the Eastern Sierras. As of May 2025, the company operates through 18 branches in cities such as Oakdale, Escalon, Manteca, Patterson, Ripon, Roseville, Sacramento, Stockton, Tracy, Turlock, Sonora, Modesto, Bridgeport, Mammoth Lakes, and Bishop. The company also announced the opening of its 19th branch in Lodi in October 2025.

Oak Valley Bancorp has maintained a positive brand reputation over the past year, marked by several recognitions. Oak Valley Community Bank was named one of the "2025 Best Places to Work: Central Valley" and was recognized by Opportunity Stanislaus for "Growing the Economy." Oak Valley Community Bank received the "2024 SBA 504 Most Active Bank" award from Success Capital – Certified Development Corporation, and Rob Gildea was honored as the "2024 SBA 504 Most Active Loan Officer." The company's annual reports also have an aggregate usefulness score of 4.7 out of 5.0 based on 139 reviews.

Major institutional owners of Oak Valley Bancorp include BlackRock, Inc., The Vanguard Group, Inc., and State Street Global Advisors, Inc. Institutional ownership accounts for 27.62% of the shares, while individuals hold 19.91%. Overall, institutions hold 30.86% of the stock. Insiders hold 18.08% of the stock, and in the past three months, insiders have bought more shares than they have sold.