Oak Valley Bancorp (OVLY)

Oak Valley Bancorp increased its dividend to $0.375 in late January 2026, following a final dividend increase to $0.38 earlier that month. In Q4 2025, net income was $0.76 per diluted share, up from $0.73 per share the previous year, with net interest income reaching $19.5 million, a 9% year-over-year increase. The stock declined 2.7% since the Q4 2025 earnings report, but gained 5.5% over the past month. Christopher M. Courtney will retire as CEO on June 30, 2026, and Richard A. McCarty will assume the role. There have been 15 insider purchases and 97 sales in the past six months. The stock has shown stable price volatility over the past three months compared to the US market.

The provided information does not contain specific details regarding demand seasonality for Oak Valley Bancorp's products and services.

Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank, offering commercial banking services to individuals and small to medium-sized businesses. The company provides deposit accounts, including checking, savings, and retirement accounts, as well as a variety of loan products, such as commercial real estate, business, and consumer loans. Modern banking solutions like internet, online, and mobile banking are also available.

Oak Valley Bancorp's operations are concentrated in California, specifically across the Central Valley, Sacramento Region, and the Eastern Sierras. The company operates through 18 branches, including locations in Oakdale, Escalon, Manteca, Patterson, Ripon, Roseville, Sacramento, Stockton, Tracy, Turlock, two branches in Sonora, three branches in Modesto, and three branches within its Eastern Sierra division (Bridgeport, Mammoth Lakes, and Bishop).

Oak Valley Bancorp's brand reputation benefits from its strong local presence in California's Central Valley and Eastern Sierras. This local footprint and a relationship-based approach contribute to a stable and low-cost funding base. The company's expansion, including the opening of a new Lodi branch in October 2025, further demonstrates its commitment to deepening ties with the commercial and agricultural sectors in the region. The long tenure of its CEO, Christopher M. Courtney, has also likely contributed positively to its reputation.

Oak Valley Bancorp has 172 institutional owners and shareholders, holding a total of 3,096,804 shares. Major institutional shareholders include BlackRock, Inc. and Vanguard Group Inc. As of September 29, 2025, BlackRock, Inc. held 5.76% of the company's shares, and The Vanguard Group, Inc. held 4.90%. Insiders hold 18.08% of the stock.