Oak Valley Bancorp (CA) (OVLY) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
FRED Regime × Technicals: 83% of 52W Range • RSI-14 at 55 (BULLISH MOMENTUM)
Capital intensity & 0% operating margin leave 9 pts on the table
Even with a 69/100 (C+) score, OVLY faces multiple-compression risk if 9.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($34.14) or 200D SMA ($33.45) invalidates the momentum regime and cuts Target Base ($36.19) toward Bear Floor ($28.23).
Oak Valley Bancorp (CA) (OVLY) advanced +0.76% to $34.48, trading at 83% of its 52-week range ($27.21 – $35.97). Solid steady margins (15% return on capital), mixed timing at 9x P/E—hold if owned, no rush to chase.
Oak Valley Bancorp's Q3 earnings per share declines year over year as higher operating expenses and lower non-interest income offset growth in net interest income and margin expansion.
Oak Valley Bancorp entered its Q3 2026 report with a reputation as a quietly efficient community bank, carrying a 12 month P/E of 12.2x and a market price sitting well below at least one discounted cash flow estimate. Th
(AP) — Oak Valley Bancorp (OVLY) on Wednesday reported net income of $6.The Oakdale, California-based bank said it had earnings of 77 cents per share.
OAKDALE, Calif., Oct. 21, 2026 (GLOBE NEWSWIRE) -- Oak Valley Bancorp (NASDAQ: OVLY) (the "Company"), the bank holding company for Oak Valley Community Bank and their Eastern Sierra Community Bank division, recently repo
Oak Valley (NASDAQ:OVLY) reported quarterly earnings of $0.77 per share. This is a 4.94 percent decrease over earnings of $0.81 per share from the same period last year. The company reported $21.653 million in sales
Oak Valley Bancorp's loan growth, rising net interest income, solid capital position and diversified revenues support its banking performance and growth prospects.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on OVLY today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for OVLY. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Oak Valley Bancorp (CA) (OVLY) ranks #195 by composite RQD confidence (69/100, grade C+) and #817 by equity capitalization ($290.1M). Within this direct 5-issuer industry benchmark cohort, OVLY leads on earnings valuation at 9.4x trailing P/E, while OVLY leads on capital efficiency and profitability with 14.8% ROIC and — gross margin. OVLY currently leads its immediate peer cohort in composite quantitative strength at 69/100 (C+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| OVLY
ACTIVE
Oak Valley Bancorp (CA) | C+ | 69/100 | 9.4x | — | 14.8% | +0.76% | $290.1M | Benchmark Subject |
| HWBK Hawthorn Bancshares Inc. | C | 63/100 | 12.2x | — | 13.7% | +1.33% | $290.4M | /hwbk-vs-ovly → |
| QNBC QNB Corp. | C+ | 66/100 | 20.8x | — | 10.9% | -0.32% | $293.1M | /qnbc-vs-ovly → |
| BPRN Princeton Bancorp Inc. (PA) | D+ | 57/100 | 15.8x | — | 6.9% | -3.43% | $293.6M | /bprn-vs-ovly → |
| LCNB LCNB Corporation | C | 65/100 | 12.3x | — | 8.4% | +1.48% | $284.1M | /lcnb-vs-ovly → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Oak Valley Bancorp (CA) (OVLY) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $30.8M, operating cash flow of $28.7M, and free cash flow of $24.6M (+2.9% YoY). On the balance sheet, OVLY closed FY2025 with $2.02B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | $30.8M | $28.7M | $24.6M | $2.02B | — |
| FY2024 (FY) | 2024-12-31 | $0 | $24.9M | $25.6M | $23.9M | $1.90B | — |
| FY2023 (FY) | 2023-12-31 | $0 | $23.9M | $33.1M | $33.1M | — | — |
As of 2026-11-01, Oak Valley Bancorp (CA) (NASDAQ: OVLY) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $34.48 (+0.76% 1D, market cap $290.1M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, OVLY ranks #195 in composite RQD confidence.
Within the Financials sector (Major Banks), OVLY carries a Roarable C+ (69/100 RQD), trailing P/E of 9.4x, gross margin of —, and ROIC of 14.8%. By comparison, HWBK (Hawthorn Bancshares Inc.) holds a C grade (63/100 RQD, P/E 12.2x, ROIC 13.7%, cap $290.4M) and QNBC (QNB Corp.) posts a C+ grade (66/100 RQD, P/E 20.8x, ROIC 10.9%, cap $293.1M). Among the 5-stock peer group, OVLY leads on earnings multiple (9.4x) while OVLY leads on capital efficiency (14.8% ROIC).
Per OVLY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001431567), Oak Valley Bancorp (CA) generated $0 in revenue, $30.8M in net income, and $24.6M in free cash flow against $2.02B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
OVLY last traded at $34.48 (+0.76% on volume of 14,640 shares), positioning the stock +1.00% above its 50-day simple moving average ($34.14) and +3.08% above its 200-day simple moving average ($33.45). Across its 52-week range of $27.21 to $35.97, OVLY sits at the 83.0% percentile with a 14-day RSI of 55.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.8% ($32.82 to $36.14).
Why OVLY Stock advanced +0.76% Today — RQD Quant Desk Flash. Solid steady margins (15% return on capital), mixed timing at 9x P/E—hold if owned, no rush to chase.
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