Oak Valley Bancorp (CA) Common Stock (OVLY)

FairStock Score: 57/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for banks that earn a respectable return on equity, lend prudently, and trade at a sensible price to book. Oak Valley is a 246-employee community bank in California's Central Valley and Eastern Sierras, serving small and midsize businesses. FairStock's data on the 2026-10-13 close show a P/E of 12.04, a P/B of 1.29, an ROE of 11.64%, and a dividend yield of 2.22%. That is not a bad starting point. A beta of 0.21 suggests the shares have been calm relative to the market, and FairStock classifies it as a STALWART, with profit growth of 11.8% a year over five years. But the recent filed numbers give me pause. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $5.1M and diluted EPS was $0.61, down from $5.6M and $0.67 in fiscal Q2 2025. Fiscal Q1 2026 net income was $5.3M, and fiscal Q3 2025 was $6.7M. For the full year fiscal 2025, net income was $23.9M, or $2.88 per diluted share, versus $24.9M and $3.02 in fiscal 2024 and $30.8M and $3.75 in fiscal 2023. So earnings are trending down, not up, even if the long-term Lynch label says otherwise. FairStock's Piotroski F-Score of 3/9 is weak. The balance-sheet risks that matter most for a bank—CET1 capital, net interest margin, credit quality, reserves—are not in the data; D/E is also N/A, and CET1, NIM, and combined ratio are absent. Valuation looks reasonable, perhaps modestly cheap, but I would want more evidence that credit costs are contained and the earnings slide has stopped. A FairStock Score of 57/100 fits that middling picture.

In plain English: Oak Valley Bancorp is a small California community bank serving people and businesses in the Central Valley and Eastern Sierras. It is still profitable, but recent profits have slipped from their earlier highs, and the latest quarter's net income was lower than the same quarter a year earlier. At the recent price, the stock looks roughly fairly valued to slightly cheap compared with its earnings and book value, while sitting near the upper end of its 52-week range.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer