Oak Valley Bancorp
Runs community banking through Oak Valley Community Bank across Central Valley and Eastern Sierra.
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Profile
Operates a one-bank holding company built around Oak Valley Community Bank, offering commercial and consumer lending, deposits, treasury management, and wealth services. The footprint is concentrated in California's Central Valley and Eastern Sierra, with lending heavily tied to real estate.
Runs as the holding company for Oak Valley Community Bank, a California state-chartered bank serving individuals, local businesses, and institutional clients. Products include commercial and consumer lending, deposit accounts, treasury management, and wealth services.
Geography is concentrated: branches operate across the Central Valley and Eastern Sierra, including the Eastern Sierra Community Bank division. Management reports one banking segment because the same services are available across the branch network.
Revenue is built mainly from lending and deposit funding, with commercial real estate a major loan category. The business depends on local California economic conditions, real-estate credit quality, banking regulation, and competition from large banks, community banks, credit unions, finance companies, and online providers.
Company facts
Categories
Key statistics
Year to date +14.4% · Average volume (30d) 29.4K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 22, 2026Q2 FY26 | — | $0.61 | — | — | $20.6M | — | −2.03% |
| Apr 22, 2026Q1 FY26 | — | $0.64 | — | — | $20.8M | — | −0.58% |
| Jan 23, 2026Q4 FY25 | — | $0.76 | — | — | $21.3M | — | 0.00% |
| Oct 22, 2025Q3 FY25 | — | $0.81 | — | — | — | — | +1.32% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $22.7M | $23.1M | $24.5M | $21.3M | $20.8M | $20.6M | |
| Gross profit | $19.4M | $19.9M | $21.2M | $20.4M | $20.3M | $20.6M | |
| Operating income | $6.8M | $7.2M | $8.5M | $8.2M | $6.8M | $6.4M | |
| Net income | $5.3M | $5.6M | $6.7M | $6.3M | $5.3M | $5.1M | |
| Diluted EPS | $0.64 | $0.67 | $0.81 | $0.76 | $0.64 | $0.61 | |
| Gross margin | 85.4% | 85.9% | 86.7% | 95.9% | 97.8% | 99.9% | |
| Operating margin | 29.9% | 31.0% | 34.8% | 38.3% | 32.8% | 31.2% |
Fiscal years (4-quarter sums)FY21 $55.2M · FY22 $66.8M · FY23 $87.3M · FY24 $89.5M · FY25 $91.6M
Balance sheet, Jun 30, 2026Cash & short-term investments $144.8M · Total debt $0 · Total assets $2.00B · Shareholders' equity $217.0M
Dividends
Raised for 11 straight years — most recently to $0.375 from $0.30 in Feb 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 3, 2026 | Aug 3 | Aug 14 | $0.375 | |
| Feb 2, 2026 | Feb 2 | Feb 13 | $0.375 | raised from $0.30 |
| Jul 28, 2025 | Jul 28 | Aug 8 | $0.30 | |
| Feb 3, 2025 | Feb 3 | Feb 14 | $0.30 | raised from $0.225 |
| Jul 29, 2024 | Jul 29 | Aug 9 | $0.225 | |
| Jan 26, 2024 | Jan 29 | Feb 9 | $0.225 | raised from $0.16 |
| Jul 28, 2023 | Jul 31 | Aug 11 | $0.16 | |
| Jan 27, 2023 | Jan 30 | Feb 10 | $0.16 | raised from $0.15 |
Ownership
Shares outstanding 8.41M · Float 7.10M · 84.4% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 451.3K | 5.40% | 13G | Jul 29, 2026 |
| Fourthstone LLC | 411.2K | 4.89% | 13F | May 15, 2026 |
| Siena Capital Partners GP, LLC | 323.2K | 3.84% | 13F | May 14, 2026 |
| Vanguard Capital Management LLC | 318.5K | 3.79% | 13F | May 15, 2026 |
| H. Randolph Jr Holder · director | 305.7K | 3.63% | Form 4 | Aug 18, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 26, 2026 | Don Barton | director | −375 | $34.07 |
| Aug 19, 2026 | Daniel J. Leonard | director | +125 | $34.59 |
| Aug 17, 2026 | H. Randolph Jr Holder | director | +115 | $33.75 |
| Jul 27, 2026 | Gary Strong | director | +2,000 | $32.50 |
| Jul 27, 2026 | Don Barton | director | −375 | $32.72 |
Peers
- Wells Fargo
California branch giant across deposits, lending, treasury, and wealth
- Bank of America
National rival in small business, middle-market, deposits, and wealth
- JPMorgan Chase
Scale rival in commercial banking, treasury, CRE, and small business
- U.S. Bancorp
Western U.S. rival in business banking, payments, and wealth
- Bank of Montreal
NYSE-traded Canadian bank with U.S. commercial and business banking
- Citi
Global bank with Citibank retail, commercial treasury, and wealth overlap
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Oak Valley Bancorp | $33.98 | −0.03% | $285.9M | 12.0 | — | 3.3 | −10.9% |
| Wells Fargo | $86.69 | +0.01% | $262.12B | 12.5 | 11.6 | 2.0 | +8.6% |
| Bank of America | $62.30 | −0.04% | $442.26B | 14.4 | 12.7 | 2.3 | +19.3% |
| JPMorgan Chase | $357.66 | +0.05% | $958.25B | 15.4 | 14.8 | 3.2 | +27.8% |
| U.S. Bancorp | $62.47 | +0.01% | $97.31B | 12.5 | 11.5 | 2.2 | +10.6% |
| Bank of Montreal | $171.86 | −0.04% | $120.37B | 19.6 | 14.7 | 2.2 | −20.6% |
| Citi | $132.62 | −0.19% | $227.81B | 14.3 | 11.4 | 1.3 | +14.3% |
| Median | 14.4 | 12.1 | 2.2 | +12.4% |