Oak Valley Bancorp (OVLY)

Oak Valley Bancorp has experienced several events impacting its stock in the past six months. The company's net profit margin decreased, and earnings declined in the most recent period. Oak Valley Bancorp reported its third-quarter 2025 unaudited consolidated net income of $6.69 million. Oak Valley Community Bank opened a new branch in Lodi. The bank announced a new branch manager hiring and the hiring of a Commercial Banking Officer. Matthew Brown was announced as Vice President, Commercial Banking Officer for the upcoming Lodi Branch. Oak Valley Bancorp declared a quarterly dividend of $0.30. Insider buying has exceeded insider selling in the past three months. The stock price has decreased by 5.1% year-to-date and 7.01% in the past month.

Specific detailed information regarding the demand seasonality for Oak Valley Bancorp's products and services is not readily available. While a financial data platform mentions "OVLY Seasonality" to identify seasonal patterns in stock returns, it does not provide direct insights into the seasonality of demand for the bank's core banking and lending products.

Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank and its Eastern Sierra Community Bank division, serving individuals and small to medium-sized businesses. The company offers a variety of deposit accounts and provides commercial real estate loans, commercial business lending, trade finance, SBA lending, and consumer loans. Additionally, the bank offers digital banking services. The primary source of revenue for Oak Valley Bancorp is net interest income.

Oak Valley Bancorp's operations are concentrated in California, specifically across the Central Valley, Sacramento Region, and the Eastern Sierra. The company operates through 19 branches located in various communities, including Oakdale, Turlock, Stockton, Patterson, Ripon, Escalon, Manteca, Tracy, Sacramento, Roseville, Lodi, two branches in Sonora, three branches in Modesto, and three branches in its Eastern Sierra division. A new branch in Lodi was opened on October 2, 2025.

Oak Valley Bancorp has maintained a positive brand reputation over the past year. Oak Valley Community Bank was recognized by Best Companies Group as one of the "2024 Best Places to Work: Central Valley." Opportunity Stanislaus acknowledged the bank for "Growing the Economy" due to an increase in its workforce by 10% or more throughout 2023. The company also maintains a "reputation for high quality earnings."

Individual insiders hold 18.08% of Oak Valley Bancorp's stock, while institutions hold 30.86%. The general public holds the remaining shares. Top institutional shareholders include The Vanguard Group, Inc., M3F, Inc., and State Street Global Advisors, Inc. Notable individual insiders who own company stock include Christopher M Courtney, James L Gilbert, Ronald C Martin, H Randolph Holder Jr, Janet S Pelton, Daniel J Leonard, Don Barton, Terrance P Withrow, Erich A Haidlen, Lynn Dickerson, Gary Strong, and Allison Lafferty.