OAK VALLEY BANCORP (OVLY)
Financials · regional banking · NASDAQ
A California-based community bank holding company focused on serving small to medium-sized businesses and individuals in the Central Valley and Eastern Sierra regions.
What OAK VALLEY BANCORP does
Oak Valley Bancorp operates as the parent bank holding company for Oak Valley Community Bank, a California state-chartered institution. It provides commercial and retail banking services, including commercial and real estate loans, business checking, savings accounts, and lines of credit to individuals and small-to-medium-sized businesses. The company serves the Central Valley and Eastern Sierra regions of California through a network of branch offices.
Themes: regional banking, community banking, commercial lending, Central Valley economy
Fundamentals
- Price$34.59 as of 2026-08-21 close
- Market cap$291M as of 2026-08-21
- 1-year return+25.5% 2025-08-21 close $27.57 → 2026-08-21 close $34.59
- P/E12.02 as of 2026-08-24
- ROE+12.0% as of 2026-08-24
- Debt / equity0.00 as of 2026-08-24
- Beta0.22 as of 2026-08-24
- Last reported earnings2026-07-23 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +2.0%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How OVLY compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, OVLY's dividend was covered by reported results (earnings payout 21%, free-cash-flow payout 20%). This describes past coverage, not a forecast.
- Earnings payout21% dividends / net income
- Free-cash-flow payout20% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How OAK VALLEY BANCORP looks technically
OAK VALLEY BANCORP (OVLY) is trading 7.6% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 258 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 19, below the 25 that marks a real trend), though buyers have been pushing harder than sellers lately — pressure, not a trend. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 59, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 8 trading days ago (its momentum flipped positive). It just made a new 20-day high, its first since 2026-06-12, pushing above its recent trading range. It is 3.5% below its all-time high. Trading volume is running unusually high — about 2.0× its 30-day average, a sign of heightened interest.
Trend
8
| Distance from the 200-day | it is trading 7.6% above its 200-day average, the long-term trend line — a longer-term uptrend | +7.6% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $33.70 | $33.70 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $32.13 | $32.13 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 10 calendar days ago — the swings before that are what the structure reading is measured on | 10 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 32.62. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave downward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 258 trading days ago — a "golden cross", a bullish long-term signal | 258 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 19, below the 25 that marks a real trend), though buyers have been pushing harder than sellers lately — pressure, not a trend | 19.2 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 59, neither overbought (above 70) nor oversold (below 30) | 59.0 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($32.62 to $35.28) — its "stochastic" reading is 74 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 74.1 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 8 trading days ago (its momentum flipped positive) | 8 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $35.84 | $35.84 |
|---|---|---|
| From the 52-week high | it is 3.5% below its 52-week high (its highest price of the past year) | -3.5% |
| Above the 52-week low | it is 36.1% above its 52-week low (its lowest price of the past year) | +36.1% |
| Below the 52-week high | it is 3.5% below its highest point of the past year | 3.5% |
| Since a 20-day breakout | it just made a new 20-day high, its first since 2026-06-12, pushing above its recent trading range | 1 session |
| Since a 55-day breakout | it made a new 55-day low about 22 trading days ago | 22 sessions |
| All-time high | its highest closing price on record is $35.84 (set on 2026-06-22) | $35.84 |
| Given back of the 52-week move | over the past year its closes ranged ($25.41 to $35.07), and it has given back only a small part of its rise from last year’s low — 5% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $28.79 to $29.10. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 5.0% |
| From the all-time high | it is 3.5% below its all-time high | -3.5% |
| Nearest price level | it is sitting right on a resistance level at $34.63 — a price it turned at three times since 2026-07-01, most recently on 2026-07-28. Since 2024-08-21 it has 11 such levels below the current price and 2 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +0.1% |
| All-time low | its lowest closing price on record is $2.75 (set on 2009-04-14) | $2.75 |
| Above the all-time low | it is 1157.8% above its all-time low | +1,158% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 85% of it) | 15th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.9298 between its high and its low — about 2.7% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.9298 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $32.93 and $34.65 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $32.93 – $33.79 – $34.65 |
| Typical daily range (% of price) | its price moves about 2.7% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.7% |
| Stretch from the 200-day average | it is trading 2.6 daily ranges above its 200-day average price (7.6% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 2.6 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is running unusually high — about 2.0× its 30-day average, a sign of heightened interest | 2.04× |
|---|
Candlestick patterns
1
| Since a doji | 3 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 3 sessions ago |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.7% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.7% |
|---|---|---|
| Gap filled | a 2.7% gap down opened on 2026-07-23 has been "filled" 20 sessions ago — price traded back through the level the gap left behind, and it took 1 session to close | 20 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 2 sessions in a row, a +1.65% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 2 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 1.4 percentage points (the stock gained 3.8% while the market gained 2.3%) | +1.4% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 0.6 percentage points (the stock gained 2.5% while the market gained 3.1%) | -0.6% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 8.8 percentage points (the stock gained 2.3% while the market gained 11.1%) | -8.8% |
| vs market, 12 months | over the past 12 months this stock beat the market by 5.0 percentage points (the stock gained 25.5% while the market gained 20.5%) | +5.0% |
Signal agreement
2
| Bullish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, a fresh 20-day high, MACD momentum is positive, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: lagging the market over 6 months — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 1.6% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thin, spanning 0.1% of the share price, which is taken to mean a barrier that gives way easily. | +1.6% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 4% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $33.38 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | +3.6% |
|---|
Price levels it has turned at before
OVLY last closed at $34.59 on 2026-08-21. Since 2024-08-21 it has turned at 11 prices below its last close and 2 above; the 3 nearest below and the 2 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $34.63 | Resistance | 0.1% above the last close | turned there three times · 2026-07-01 to 2026-07-28 |
| $34.05 | Support | 1.6% below the last close | turned there four times · 2026-02-06 to 2026-05-26 |
| $35.66 | Resistance | 3.1% above the last close | turned there twice · 2026-04-20 to 2026-06-22 |
| $32.52 | Support | 6.0% below the last close | turned there 9 times · 2024-12-02 to 2026-08-11 |
| $31.29 | Support | 9.6% below the last close | turned there twice · 2025-12-18 to 2026-07-23 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $32.62.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
This reading has stood for 4 trading days, since 2026-08-18.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Unusually heavy trading volume · Broke out to a new 20-day high · Broke out to a new 20-day high on heavy volume · trendless / choppy (low ADX) · Near the all-time high | Learn: moving average · golden cross · adx · rsi · macd · breakout · all time high · volume and relative volume
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["Concentration risk in the California Central Valley regional economy","Interest rate fluctuations affecting net interest margins","Credit risk associated with commercial and real estate loan portfolios"]
What changed in the latest 10-Q
AI-assisted comparison of OVLY's 10-Q filed 2026-05-12 against the prior one filed 2025-11-13.
Management's Discussion & Analysis (MD&A)
- Added:
- Addition of 'or the negative of such terms' in the list of forward-looking statement indicator words (filed 2026-05-12)
- Removed:
- Removal of duplicate 'believe' and 'forecast' from the forward-looking statement indicator words list (filed 2025-11-13)
- Removal of 'the impact of any failure by the U.S. government to increase the debt ceiling or impacts of the ongoing federal government shutdown' and replacement with broader language (filed 2025-11-13)
- Reworded:
- Changed 'the impact of any failure by the U.S. government to increase the debt ceiling or impacts of the ongoing federal government shutdown' to 'the impacts of any failure by the U.S. government to increase the debt ceiling or any federal government shutdown' (filed 2026-05-12 vs 2025-11-13)
- Notes:
- Both filings appear truncated at the same point ('Part I —'), limiting full comparison of the section
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
2 open-market purchases and 2 open-market sales by insiders in the last 90 days.
- Last 30 days1 buy ($65000) · 1 sell ($12270) — 1 buying, 1 selling insiders
- Last 90 days2 buys ($67909) · 2 sells ($24743) — 2 buying, 1 selling insiders
- Last 180 days5 buys ($92758) · 3 sells ($37406) — 4 buying, 1 selling insiders
Cluster buying: 3 different insiders reported open-market purchases (SEC code P) of OVLY within a 30-day window between 2026-04-29 and 2026-05-28. Disclosed Form 4 activity, not a prediction of performance or a buy signal.
Activity heuristic: mixed (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-07-27. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about OVLY's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding OVLY as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 609,177
- Reported value $19,755,608
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 3 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
OVLY had 94,369 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
OVLY had 1.12% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 2.97 days to cover at the same settlement.
- Reported short interest (shares) 94,369
- Short interest (% of shares outstanding) 1.12%
- Prior settlement (shares) 114,673
- Reported change -17.71%
- Days to cover (reported) 2.97
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Tri Counties Bank (TCBK)
- CVB Financial (CVBF)
- River Valley Community Bancorp (RVCB)
- Farmers & Merchants Bank of Long Beach (FMBL)
- Preferred Bank (PFBC)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare OVLY vs…
Frequently asked questions
What does OAK VALLEY BANCORP (OVLY) do?
Oak Valley Bancorp operates as the parent bank holding company for Oak Valley Community Bank, a California state-chartered institution. It provides commercial and retail banking services, including commercial and real estate loans, business checking, savings accounts, and lines of credit to individuals and small-to-medium-sized businesses. The company serves the Central Valley and Eastern Sierra regions of California through a network of branch offices.
What sector is OAK VALLEY BANCORP (OVLY) in?
OAK VALLEY BANCORP (OVLY) is classified in the Financials sector. Its industry is regional banking. It trades on NASDAQ.
Does OVLY pay a dividend?
Yes — OAK VALLEY BANCORP (OVLY) pays a dividend, with an indicated yield of about 2.01% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are OAK VALLEY BANCORP's (OVLY) competitors?
Notable peers of OAK VALLEY BANCORP (OVLY) include Tri Counties Bank, CVB Financial, River Valley Community Bancorp, Farmers & Merchants Bank of Long Beach and Preferred Bank. This peer set is informational only — not financial advice.
Is OAK VALLEY BANCORP (OVLY) overbought or oversold right now?
OAK VALLEY BANCORP (OVLY) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 59, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on OVLY come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.