OVLY Home Investment Highlights Valuation & Metrics Price Chart Why The Stock Moved Return vs. Risk About OVLY Interactive Breakdown Better Bets vs. OVLY Peer Outperformance Latest Trefis Analyses Trade Ideas More From Trefis Peer Comparisons FDIC Bank Data FDA Approved Drugs Data Clinical Pipeline Financials Segment Financials Price Behavior Short Interest Earnings Returns History SEC Filings Forward Guidance Insider Activity Investor Activity (13F) Trade Sentinel Investor Videos Industry Resource Links External Quote Links

    Oak Valley Bancorp (OVLY)

    Market Price (11/6/2026): $34.47 | Market Cap: $290.0 MilSector: Financials | Industry: Regional Banks

    Oak Valley Bancorp (OVLY)

    Market Price (11/6/2026): $34.47
    Market Cap: $290.0 Mil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.1%, FCF Yield is 8.6%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -121%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 31%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 29%

    Low stock price volatility
    Vol 12M is 21%

    Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.

    Trading close to highs
    Dist 52W High is -3.0%, Dist 3Y High is -3.0%

    Weak multi-year price returns
    2Y Excs Rtn is -2.0%, 3Y Excs Rtn is -37%

    Key risks
    OVLY key risks include [1] its concentrated exposure to the economic health of California, Show more.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.1%, FCF Yield is 8.6%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -121%
    2 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 31%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 29%
    3 Low stock price volatility
    Vol 12M is 21%
    4 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.
    5 Trading close to highs
    Dist 52W High is -3.0%, Dist 3Y High is -3.0%
    6 Weak multi-year price returns
    2Y Excs Rtn is -2.0%, 3Y Excs Rtn is -37%
    7 Key risks
    OVLY key risks include [1] its concentrated exposure to the economic health of California, Show more.

    OVLY in ETFs

    Weight = OVLY's share of each fund

    VTI0.00%
    IWM0.01%
    IWN0.02%
    AVUV0.02%
    VTWO0.01%
    DFAS0.00%
    DFAC0.00%

    Valuation & Metrics

    null
    OVLYS&P 500
    REVENUE GROWTHPOOR
    Rev LTM ($ Bil)0.1
    Rev Chg Q3.8%8.9%
    Rev Chg LTM7.4%8.6%
    Rev Chg 3Y Avg1.2%6.3%
    PROFITABILITYGOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.0
    Net Inc LTM ($ Bil)0.0
    CFO/Rev LTM31.3%21.5%
    Net Inc Mgn28.0%13.5%
    VALUATIONLOW
    P/S3.43.3
    P/CFO10.915.7
    P/FCF11.620.6
    P/E12.222.9

    AI Analysis | Feedback

    MetricValueDateSource
    Number of Employees21512302024Link
    Number of Branches1911042025Link
    Efficiency Ratio58.27%9302025Link
    Net Interest Margin4.16%9302025Link
    Non-Performing Assets to Total Assets09302025Link
    Allowance for Credit Losses to Gross Loans1.03%9302025Link

    Price Chart

    Recent
    10/21/2026Earnings ReleaseRev: $21 Mil (A) vs. $null (E)
    EPS: 0.77 (A) vs. $- (E)
    Upcoming
    1/29/2027Earnings ReleaseRev: -
    EPS: -

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 11/1/2026

    Oak Valley Bancorp (OVLY) stock has remained largely at the same level since 7/31/2026 because of the following key factors:

    1. Stronger than expected fiscal Q3 2026 earnings led to a significant quarterly performance improvement.

    Oak Valley Bancorp reported consolidated net income of $6.450 million, or $0.77 diluted EPS, for the three months ended September 30, 2026. This marked a substantial increase from $5.114 million, or $0.61 diluted EPS, in fiscal Q2 2026. The improvement was primarily driven by higher net interest income, increased non-interest income, and a decrease in non-interest expense compared to the previous quarter.

    2. Expansion of Net Interest Margin (NIM) boosted profitability.

    The company's net interest margin expanded to 4.24% in fiscal Q3 2026, up from 4.15% in fiscal Q2 2026 and 4.16% in fiscal Q3 2025. This positive trend in net interest income, which reached $19.802 million in fiscal Q3 2026 compared to $18.944 million in the prior quarter, was a result of growth in average earning assets and an increase in the yield on these assets.

    Show more
    Updated on 11/1/2026

    Oak Valley Bancorp (OVLY) stock has remained largely at the same level since 7/31/2026 because of the following key factors:

    1. Stronger than expected fiscal Q3 2026 earnings led to a significant quarterly performance improvement.

    Oak Valley Bancorp reported consolidated net income of $6.450 million, or $0.77 diluted EPS, for the three months ended September 30, 2026. This marked a substantial increase from $5.114 million, or $0.61 diluted EPS, in fiscal Q2 2026. The improvement was primarily driven by higher net interest income, increased non-interest income, and a decrease in non-interest expense compared to the previous quarter.

    2. Expansion of Net Interest Margin (NIM) boosted profitability.

    The company's net interest margin expanded to 4.24% in fiscal Q3 2026, up from 4.15% in fiscal Q2 2026 and 4.16% in fiscal Q3 2025. This positive trend in net interest income, which reached $19.802 million in fiscal Q3 2026 compared to $18.944 million in the prior quarter, was a result of growth in average earning assets and an increase in the yield on these assets.

    3. Positive sentiment in the broader regional banking sector contributed to the upward trend.

    The regional banking sector demonstrated strong performance during the period, with the S&P Regional Bank ETF returning 18.9% year-to-date through July 29, 2026, outperforming the S&P 500. This sector-wide strength was supported by earnings growth, net interest margin expansion, and stable credit costs. Regional banks, generally, posted robust fiscal Q3 earnings due to strong commercial loan demand and favorable funding costs following Federal Reserve rate adjustments in late 2024 and 2025.

    4. A "Buy" consensus rating from Wall Street analysts supported investor confidence.

    Oak Valley Bancorp received a "Buy" consensus rating from Wall Street analysts based on analyses performed over the last 12 months. This positive analyst sentiment indicates a favorable outlook for the company's stock performance.

    Show less
    Holding a concentrated position? Know your true downside before the momentum shifts.
    Protect Your Wealth →

    Stock Movement Drivers

    Fundamental Drivers

    The 2.2% change in OVLY stock from 7/31/2026 to 11/5/2026 was primarily driven by a 4.5% change in the company's P/E Multiple.
    (LTM values as of)731202611052026Change
    Stock Price ($)33.4934.242.2%
    Change Contribution By: 
    Total Revenues ($ Mil)83840.9%
    Net Income Margin (%)28.8%28.0%-2.9%
    P/E Multiple11.612.14.5%
    Shares Outstanding (Mil)88-0.2%
    Cumulative Contribution2.2%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    7/31/2026 to 11/5/2026
    ReturnCorrelation
    OVLY2.2% 
    Market (SPY)-1.9%24.0%
    Sector (XLF)1.0%48.9%

    Fundamental Drivers

    The 4.7% change in OVLY stock from 4/30/2026 to 11/5/2026 was primarily driven by a 7.0% change in the company's P/E Multiple.
    (LTM values as of)430202611052026Change
    Stock Price ($)32.7134.244.7%
    Change Contribution By: 
    Total Revenues ($ Mil)82842.6%
    Net Income Margin (%)29.3%28.0%-4.4%
    P/E Multiple11.312.17.0%
    Shares Outstanding (Mil)88-0.3%
    Cumulative Contribution4.7%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    4/30/2026 to 11/5/2026
    ReturnCorrelation
    OVLY4.7% 
    Market (SPY)2.3%11.5%
    Sector (XLF)10.7%46.6%

    Fundamental Drivers

    The 28.4% change in OVLY stock from 10/31/2025 to 11/5/2026 was primarily driven by a 33.1% change in the company's P/E Multiple.
    (LTM values as of)1031202511052026Change
    Stock Price ($)26.6634.2428.4%
    Change Contribution By: 
    Total Revenues ($ Mil)78847.4%
    Net Income Margin (%)31.0%28.0%-9.8%
    P/E Multiple9.112.133.1%
    Shares Outstanding (Mil)88-0.3%
    Cumulative Contribution28.4%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    10/31/2025 to 11/5/2026
    ReturnCorrelation
    OVLY28.4% 
    Market (SPY)8.4%23.3%
    Sector (XLF)11.1%48.0%

    Fundamental Drivers

    The 46.0% change in OVLY stock from 10/31/2023 to 11/5/2026 was primarily driven by a 113.1% change in the company's P/E Multiple.
    (LTM values as of)1031202311052026Change
    Stock Price ($)23.4534.2446.0%
    Change Contribution By: 
    Total Revenues ($ Mil)81843.3%
    Net Income Margin (%)41.8%28.0%-33.0%
    P/E Multiple5.712.1113.1%
    Shares Outstanding (Mil)88-0.9%
    Cumulative Contribution46.0%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    10/31/2023 to 11/5/2026
    ReturnCorrelation
    OVLY46.0% 
    Market (SPY)81.3%37.3%
    Sector (XLF)85.5%47.1%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    OVLY Return7%32%34%-1%5%17%130%
    Peers Return42%6%-1%16%8%29%140%
    S&P 500 Return27%-19%24%23%16%12%105%

    Monthly Win Rates [3]
    OVLY Win Rate50%58%58%33%50%82% 
    Peers Win Rate65%43%45%47%53%69% 
    S&P 500 Win Rate75%42%67%75%67%45% 

    Max Drawdowns [4]
    OVLY Max Drawdown-19%-15%-17%-22%-20%-9% 
    Peers Max Drawdown-20%-23%-36%-22%-19%-13% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: BSRR, WABC, TCBK, PLBC, HAFC.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 11/5/2026 (YTD)

    How Low Can It Go

    EventOVLYS&P 500
    2025 US Tariff Shock
      % Loss-16.2%-18.8%
      % Gain to Breakeven19.3%23.1%
      Time to Breakeven78 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-11.9%-9.5%
      % Gain to Breakeven13.5%10.5%
      Time to Breakeven105 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-16.8%-6.7%
      % Gain to Breakeven20.2%7.1%
      Time to Breakeven73 days31 days
    2020 COVID-19 Crash
      % Loss-39.2%-33.7%
      % Gain to Breakeven64.6%50.9%
      Time to Breakeven236 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-16.7%-19.2%
      % Gain to Breakeven20.0%23.8%
      Time to Breakeven817 days105 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-32.6%-17.9%
      % Gain to Breakeven48.4%21.8%
      Time to Breakeven28 days123 days

    Compare to BSRR, WABC, TCBK, PLBC, HAFC

    In The Past

    Oak Valley Bancorp's stock fell -16.2% during the 2025 US Tariff Shock. Such a loss loss requires a 19.3% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventOVLYS&P 500
    2020 COVID-19 Crash
      % Loss-39.2%-33.7%
      % Gain to Breakeven64.6%50.9%
      Time to Breakeven236 days140 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-32.6%-17.9%
      % Gain to Breakeven48.4%21.8%
      Time to Breakeven28 days123 days
    2008-2009 Global Financial Crisis
      % Loss-52.4%-53.4%
      % Gain to Breakeven110.0%114.4%
      Time to Breakeven1058 days1085 days

    Compare to BSRR, WABC, TCBK, PLBC, HAFC

    In The Past

    Oak Valley Bancorp's stock fell -16.2% during the 2025 US Tariff Shock. Such a loss loss requires a 19.3% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About Oak Valley Bancorp (OVLY)

    Oak Valley Bancorp (OVLY) operates as the bank holding company for Oak Valley Community Bank, a regional financial institution primarily serving individuals and small to medium-sized businesses. The bank focuses on delivering comprehensive commercial banking services within California's Central Valley and Eastern Sierras, where it maintains a network of seventeen full-service branch offices.

    The company's offerings encompass a full suite of banking products. For deposits, it provides checking, savings, money market, health savings, individual retirement accounts, and certificates of deposit. Lending services include commercial real estate loans, business lending, trade finance, Small Business Administration (SBA) loans, and various consumer loans such as home mortgages, auto loans, and personal lines of credit. Additionally, Oak Valley Community Bank offers modern conveniences like online and mobile banking, remote deposit capture, and merchant services.

    AI Analysis | Feedback

    Here are 1-3 brief analogies to describe Oak Valley Bancorp (OVLY):

    • It's like a local Bank of America for California's Central Valley.

    • Think of it as a community-focused Wells Fargo for Central California.

    • It's the neighborhood Chase Bank for its region of California.

    AI Analysis | Feedback

    ```html
    • Deposit Accounts: Provides various account types including checking, savings, money market, health savings, IRAs, and certificates of deposit.
    • Commercial Loans: Offers financing for businesses through commercial real estate, business, trade finance, and Small Business Administration (SBA) loans.
    • Consumer Loans: Provides personal financing options such as automobile, home mortgage, revolving lines of credit, and other personal loans.
    • Digital Banking & Auxiliary Services: Delivers convenient banking tools including online and mobile banking, remote deposit capture, merchant services, and ATM access.
    ```

    AI Analysis | Feedback

    ```html

    Oak Valley Bancorp (OVLY) primarily serves a diverse base of customers rather than having a few major customers. As a community bank, its business model focuses on providing banking services to a broad spectrum of individuals and local small to medium-sized businesses within its operating regions of the Central Valley and Eastern Sierras of California.

    Based on the provided company description, the major categories of customers it serves are:

    • Individuals: This category includes individual consumers who utilize the bank for their personal banking needs, such as checking and savings accounts, money market accounts, health savings accounts, individual retirement accounts, certificates of deposit, and various consumer loans (e.g., automobile loans, home mortgage loans, revolving lines of credit, and other personal loans).
    • Small to Medium-Sized Businesses (SMBs): This category comprises local small to medium-sized enterprises that rely on Oak Valley Community Bank for their commercial banking requirements. Services for SMBs include commercial real estate loans, commercial business lending and trade finance, and Small Business Administration (SBA) lending, in addition to business-oriented deposit products.
    ```

    AI Analysis | Feedback

    Fiserv, Inc. (FI)

    AI Analysis | Feedback

    Christopher M. Courtney, Chief Executive Officer

    Mr. Courtney will retire as CEO on June 30, 2026, after a 30-year career with Oak Valley Bancorp. He joined the bank in 1996 and served in various executive leadership roles, including Executive Vice President Chief Operating Officer and Executive Vice President Chief Credit Officer. He became President in 2004 and Chief Executive Officer in 2013. Under his leadership, the bank expanded from a two-branch institution with $45 million in assets to a regional bank with 19 branches and over $2 billion in assets. He will continue to serve on the Boards of Directors following his retirement.

    Richard A. McCarty, President and Chief Operating Officer (Incoming Chief Executive Officer)

    Mr. McCarty is currently the President and Chief Operating Officer and is slated to succeed Christopher M. Courtney as President and Chief Executive Officer upon Mr. Courtney's retirement on June 30, 2026. He joined Oak Valley Community Bank in 1996, and after a two-year period at Del Monte Foods Corporation, he returned in 1999 as the bank's Chief Financial Officer. He later assumed a dual role as Chief Administrative Officer. In 2016, he was promoted to Senior Executive Vice President and Chief Operating Officer, with Jeff Gall taking over the CFO responsibilities. He has over 26 years of experience with the bank.

    Jeffrey A. Gall, Executive Vice President, Chief Financial Officer and Corporate Secretary

    Mr. Gall joined Oak Valley Community Bank in 2006. He served as Vice President, Finance, and was promoted to Executive Vice President, Chief Financial Officer in January 2016. In 2022, he also assumed the role of Corporate Secretary. He has 25 years of banking experience and manages external audit, financial reporting, internal controls, and investor relations.

    Kim D. Booke, Executive Vice President, Chief Risk Officer

    Ms. Booke has been with Oak Valley Bancorp for 18 years, progressing through leadership positions within the credit department. She is a 2017 graduate of the Pacific Coast Banking School at the University of Washington and holds certifications as a Certified Regulatory Compliance Manager (CRCM) and Certified Anti-Money Laundering Specialist (CAMS).

    Julie N. DeHart, Executive Vice President, Retail Banking Group

    Ms. DeHart has over 26 years of risk-conscious operations and management expertise. Prior to her promotion to Executive Vice President, Retail Banking Group in 2021, she served as the Senior Vice President, Retail Banking Manager since 2017. She is a 2019 graduate of the Pacific Coast Banking School at the University of Washington.

    AI Analysis | Feedback

    Key Risks to Oak Valley Bancorp (OVLY)

    1. Interest Rate Risk: Oak Valley Bancorp's profitability is primarily dependent on interest rate differentials, which are highly sensitive to unpredictable factors beyond the company's control, such as inflation, recession, and unemployment. Changes in domestic and foreign economic conditions can significantly impact interest rates, thereby affecting the bank's net interest income.
    2. Credit Risk and Concentration in Real Estate Loans: The company faces risks associated with concentrations in real estate-related loans. As of December 31, 2019, non-owner occupied real estate comprised 43.0% of the bank's total loan commitments, indicating a significant exposure to the real estate market. Changes in real estate values or economic conditions affecting borrowers in this segment could negatively impact the bank's loan portfolio quality and financial performance.
    3. Adverse Economic Conditions and Banking Industry Instability: Oak Valley Bancorp is susceptible to the effects of a worsening global business and economic environment. Furthermore, risks related to the financial stability and liquidity of its credit customers, as well as broader disruptions, instability, and failures within the banking industry, pose significant threats to the company's operations and financial health.

    AI Analysis | Feedback

    The following are clear emerging threats for Oak Valley Bancorp:

    • Rise of Digital-Only Banks (Neobanks/Challenger Banks): These entities operate without physical branches, offering competitive interest rates, lower fees, and advanced mobile-first user experiences. They directly compete for deposit products such as checking, savings, money market, and individual retirement accounts, as well as certain consumer and small business lending, potentially eroding Oak Valley Bancorp's customer base, particularly among digitally-native consumers and businesses.
    • Specialized Online Lenders and Fintech Platforms: Companies specializing in specific lending segments (e.g., small business, commercial real estate, or consumer loans) leverage technology to offer faster, more streamlined application and approval processes. Additionally, fintech payment platforms are expanding their services to include small business financing and enhanced transaction capabilities, potentially diverting loan demand and reducing reliance on traditional bank services for individuals and small to medium-sized businesses that Oak Valley Bancorp serves.

    AI Analysis | Feedback

    null

    AI Analysis | Feedback

    Oak Valley Bancorp (OVLY) is expected to drive future revenue growth over the next 2-3 years through several key strategies:

    1. Expansion of Loan Portfolio: The company anticipates continued growth in its loan portfolio, encompassing commercial real estate loans, commercial business lending, Small Business Administration (SBA) lending, and various consumer loans. This expansion directly contributes to an increase in net interest income, a primary revenue source for the bank. The growth in the loan portfolio was noted as a factor in the increase in third-quarter net income compared to the prior quarter in the Q3 2025 earnings report.
    2. Growth in Earning Assets and Optimization of Net Interest Margin: Beyond just loan growth, Oak Valley Bancorp aims to increase its overall earning assets. This, combined with rising loan yields and a focus on managing the average cost of funds, is expected to enhance the net interest margin. Increased net interest income was attributed to average earning asset growth, rising loan yields, and a slight decrease in the average cost of funds in the third quarter of 2025.
    3. Strategic Branch Expansion and Deeper Market Penetration: Oak Valley Bancorp continues to expand its physical footprint by opening new full-service branch offices, as seen with the opening of its Lodi branch. This strategic expansion into new and existing markets within the Central Valley and Eastern Sierras is designed to attract new customers, grow deposit relationships, and ultimately lead to more lending opportunities. The company's news flow regularly covers branch expansion and local leadership appointments, with their network reaching 19 branches by October 2025.
    4. Customer Acquisition and Retention through Relationship Banking: The company's core philosophy as a community bank emphasizes deep local knowledge and personal relationships. This approach is crucial for cultivating lifelong customers and fostering a symbiotic relationship that builds local wealth, which in turn fuels deposit and loan growth. The mission to cultivate lifelong customers by executing a unique brand of relationship service underscores this driver.

    AI Analysis | Feedback

    Here is a summary of Oak Valley Bancorp's (OVLY) capital allocation decisions over the last 3-5 years:

    Share Repurchases

    No significant share repurchase programs or activities by Oak Valley Bancorp have been identified within the last 3-5 years.

    Share Issuance

    * The number of outstanding common shares for Oak Valley Bancorp increased from 8,239,099 as of December 31, 2021, to 8,388,221 as of November 6, 2025. * Share issuances primarily occurred through restricted stock grants and shares acquired via the company's 401(k) profit-sharing plan, mainly for executives and employees, with some grants from 2021-2025 vesting in 2026. [cite: 3, 4 (from previous search)]

    Capital Expenditures

    * Oak Valley Bancorp has undertaken capital expenditures focused on expanding its physical presence. [cite: 20 (from previous search)] * A notable expansion occurred with the opening of its 19th full-service branch in Lodi on October 2, 2025. [cite: 20 (from previous search)] * Non-interest expenses have shown increases due to general operating costs associated with servicing growing loan and deposit portfolios, as well as staffing increases related to business expansion.

    Peer Outperformance in Regional Banks

    OVLY has outperformed 89% of its 262 Regional Banks peers over 5Y. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that OVLY has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    38%
    of 281 industry peers · 24.1% return
    3Y
    13%
    of 273 industry peers · 43.8% return
    5Y
    89%
    of 262 industry peers · 111.0% return
    No Regional Banks peer with a comparable growth profile has beaten OVLY by more than 20pp over 5Y.
    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is OVLY's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 6 33.1%75.7%125.1% SPNT 168% · RGA 162% · RNR 141%
    Investment Banking & Brokerage 13 -3.9%89.1%93.1% IBKR 305% · SNEX 152% · GS 141%
    Diversified Banks 12 30.0%140.4%90.3% CM 144% · RY 129% · JPM 127%
    Life & Health Insurance 20 14.3%52.3%75.4% JXN 514% · UNM 224% · FG 188%
    Property & Casualty Insurance 42 18.9%76.8%66.8% TRV 178% · PGR 172% · ACGL 168%
    Multi-Sector Holdings 3 10.1%53.8%59.4% BRK-B 99% · VOYA 59% · JEF 37%
    Multi-line Insurance 9 9.5%71.4%59.4% AIZ 105% · GNW 104% · L 98%
    Regional Banks ← 263 30.0%87.5%46.7% CBC 268% · FCNCA 176% · NIC 136%
    Insurance Brokers 15 5.5%13.4%33.4% LIFE 287% · ARX 89% · WTW 56%
    Financial Exchanges & Data 15 20.6%37.2%27.9% CBOE 183% · VIRT 131% · CME 71%
    Asset Management & Custody Banks 83 -5.9%22.8%12.3% VCTR 210% · AAMI 207% · WT 205%
    Consumer Finance 30 2.9%81.0%8.1% ENVA 330% · FCFS 130% · ECPG 111%
    Commercial & Residential Mortgage Finance 14 -46.5%36.8%2.5% FNMA 327% · FMCC 293% · ACT 158%
    Diversified Financial Services 4 -1.6%20.1%-1.1% FRHC 153% · EQH 71%
    Specialized Finance 3 15.8%31.5%-19.7% HASI -20% · CACC -24%
    Transaction & Payment Processing Services 17 19.3%9.1%-29.4% V 103% · MA 94% · CPAY 83%
    Mortgage REITs 35 -18.0%-6.1%-37.2% RITM 36% · DX 17% · AGNC 10%
    Diversified Capital Markets 20 -47.1%-8.5%-70.1% LPLA 83% · TW 38% · RIOT -53%
    Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

    Latest Trefis Analyses

    Title
    0ARTICLES

    Recent Active Movers

    Top Gainers

    TickerCompanyMkt Cap (B)1W RtnYTD Rtn
    ULHUniversal Logistics0.869.2%97.6%
    CRCTCricut1.949.7%95.1%
    ARRYArray Technologies0.848.9%-42.5%
    DNUTKrispy Kreme0.843.7%14.4%
    GDYNGrid Dynamics1.142.6%49.9%
    APPAppLovin119.639.7%-47.2%
    EVEREverQuote1.133.0%12.3%
    AGLAgilon Health1.932.4%560.8%
    CPRICapri2.331.6%-13.4%
    GPKGraphic Packaging3.431.0%-20.8%

    Top Losers

    TickerCompanyMkt Cap (B)1W RtnYTD Rtn
    VCYTVeracyte1.9-54.0%-43.0%
    MNTNMNTN0.3-52.2%-60.6%
    FRMIFermi1.0-46.5%-80.9%
    NRIXNurix Therapeutics1.7-45.3%-21.8%
    LITELumentum43.5-44.6%38.3%
    ACDCProFrac0.5-44.1%-30.3%
    PCTPureCycle Technologies0.3-43.5%-78.1%
    INTCIntel274.0-43.2%41.6%
    OFRMOnce Upon a Farm PBC0.4-42.7%-56.5%
    AESIAtlas Energy Solutions0.7-42.5%-43.5%

    Top Gainers

    TickerCompanyMkt Cap (B)1M RtnYTD Rtn
    BMBLBumble0.8139.2%67.5%
    GDYNGrid Dynamics1.176.5%49.9%
    ULHUniversal Logistics0.872.3%97.6%
    TDOCTeladoc Health1.769.2%34.4%
    SGRYSurgery Partners3.069.0%50.0%
    LQDALiquidia4.066.8%29.0%
    ENOVEnovis1.662.5%7.4%
    BRZEBraze5.161.0%33.6%
    UPBDUpbound1.559.3%51.6%
    COAGHemab Therapeutics1.458.8%34.0%

    Top Losers

    TickerCompanyMkt Cap (B)1M RtnYTD Rtn
    CIFRCipher Digital2.3-61.9%-62.4%
    AAOIApplied Optoelectronics3.8-61.7%34.5%
    FRMIFermi1.0-61.5%-80.9%
    MXLMaxLinear4.0-58.7%154.2%
    AESIAtlas Energy Solutions0.7-57.3%-43.5%
    FPSForgent Power Solutions4.7-55.2%-37.2%
    STRLSterling Infrastructure7.5-54.3%-20.2%
    LITELumentum43.5-54.1%38.3%
    AXTIAXT2.2-54.0%124.6%
    ICHRIchor1.0-54.0%52.1%

    More From Trefis

    Research & Analysis

    Invest in Strategies

    Wealth Management

    Peer Comparisons

    Peers to compare with:

    Financials

    OVLYBSRRWABCTCBKPLBCHAFCMedian
    NameOak Vall.Sierra B.Westamer.TriCo Ba.Plumas B.Hanmi Fi. 
    Mkt Price34.4741.8959.8752.4263.8532.5147.16
    Mkt Cap0.30.51.41.70.41.00.7
    Rev LTM84149252429109286200
    Op Inc LTM-------
    FCF LTM24511091334221080
    FCF 3Y Avg23441211232910173
    CFO LTM26521111384221382
    CFO 3Y Avg25461231282910475

    Growth & Margins

    OVLYBSRRWABCTCBKPLBCHAFCMedian
    NameOak Vall.Sierra B.Westamer.TriCo Ba.Plumas B.Hanmi Fi. 
    Rev Chg LTM7.4%5.3%-8.3%8.8%19.8%16.1%8.1%
    Rev Chg 3Y Avg1.2%3.8%-6.7%0.3%14.9%2.4%1.8%
    Rev Chg Q3.8%1.0%-2.8%7.9%6.3%10.7%5.1%
    QoQ Delta Rev Chg LTM0.9%0.3%-0.7%1.9%1.6%2.5%1.3%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM31.3%35.0%44.2%32.2%38.9%74.5%36.9%
    CFO/Rev 3Y Avg31.6%32.9%44.2%31.5%34.0%38.7%33.5%
    FCF/Rev LTM29.2%34.1%43.1%31.0%38.3%73.4%36.2%
    FCF/Rev 3Y Avg28.8%32.0%43.5%30.3%32.9%37.6%32.5%

    Valuation

    OVLYBSRRWABCTCBKPLBCHAFCMedian
    NameOak Vall.Sierra B.Westamer.TriCo Ba.Plumas B.Hanmi Fi. 
    Mkt Cap0.30.51.41.70.41.00.7
    P/S3.43.65.53.94.13.43.8
    P/Op Inc-------
    P/EBIT-------
    P/E12.210.612.612.310.610.711.4
    P/CFO10.910.312.512.110.54.510.7
    Total Yield10.3%12.0%11.2%10.9%11.7%12.8%11.5%
    Dividend Yield2.0%2.6%3.3%2.8%2.1%3.4%2.7%
    FCF Yield 3Y Avg9.8%10.3%9.3%8.6%8.8%13.0%9.6%
    D/E0.00.30.00.00.10.10.1
    Net D/E-1.2-0.8-1.4-0.0-1.0-0.4-0.9

    Returns

    OVLYBSRRWABCTCBKPLBCHAFCMedian
    NameOak Vall.Sierra B.Westamer.TriCo Ba.Plumas B.Hanmi Fi. 
    1M Rtn-0.2%6.8%2.8%0.6%4.0%2.6%2.7%
    3M Rtn3.7%3.2%1.1%-8.3%4.5%1.0%2.1%
    6M Rtn5.0%12.4%10.9%4.6%24.2%8.0%9.4%
    12M Rtn24.9%43.9%30.2%18.6%57.6%26.3%28.3%
    3Y Rtn44.8%154.8%36.1%64.4%102.7%128.6%83.5%
    1M Excs Rtn2.7%8.7%4.9%3.8%6.1%5.1%5.0%
    3M Excs Rtn3.9%5.0%2.9%-7.0%5.0%2.8%3.4%
    6M Excs Rtn0.2%7.6%6.1%-0.2%19.3%3.2%4.6%
    12M Excs Rtn14.9%35.6%17.6%8.0%46.1%13.8%16.2%
    3Y Excs Rtn-36.9%80.0%-41.1%-5.4%17.3%75.2%6.0%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q3
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date8/14/20265/12/20263/25/202611/13/20258/13/20255/14/20253/31/202511/13/20248/14/20245/14/20244/1/202411/14/2023
    Key Financials Quarterly            
    Total Revenue212121212019192019192021
    Net Income556765676667
    EPS0.620.640.770.810.680.640.730.890.720.700.720.90
    Key Financials TTM            
    Total Revenue TTM848382807877777778808283
    Net Income TTM232424242425252525273134
    Growth Rates Quarterly            
    Total Revenue Growth3.8%7.0%10.4%8.6%4.2%3.5%-2.0%-4.9%-9.5%-11.5%-4.2%11.5%
    Net Income Growth-8.5%0.2%5.4%-8.6%-5.1%-7.5%2.4%-0.4%-29.9%-37.9%-38.1%8.1%
    Margins Quarterly            
    Net Income Margin24.8%25.6%29.8%31.6%28.1%27.3%31.2%37.6%30.9%30.5%29.8%35.9%
    Cash & Debt            
    Total Cash343374413225153242665684642649698724
    Total Debt000000000000
    Net Debt / (Cash)-343-374-413-225-153-242-665-684-642-649-698-724
    Cash Flows Quarterly            
    FCF from Operations488768494891
    Cash Flows TTM            
    FCF from Operations TTM262829252726263022293332
    Returns to Shareholders Quarterly            
    Dividends030303020201
    Share Repurchases-0-0-0-0-0-0-0-0-0-0-0-0
    Return on Invested Capital (ROIC) Quarterly            
    ROIC------------
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM------------

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Single Segment8277826654
    Total8277826654


    Price Behavior

    Price Behavior
    Market Price$34.24 
    Market Cap ($ Bil)0.3 
    First Trading Date10/15/2003 
    Distance from 52W High-3.0% 
       50 Days200 Days
    DMA Price$34.18$33.26
    DMA Trendindeterminateup
    Distance from DMA0.2%2.9%
     3M1YR
    Volatility18.8%21.4%
    Downside Capture-5.7937.14
    Upside Capture27.1163.84
    Correlation (S&P 500)4.6%20.1%
    OVLY Betas & Captures as of 10/31/2026

     1M2M3M6M1Y3Y
    Beta-0.37-0.14-0.020.010.310.76
    Up Beta-0.67-0.510.01-0.670.040.72
    Down Beta-0.15-0.05-0.33-0.270.080.83
    Up Capture-26%-2%12%28%50%44%
    Bmk +ve Days12182862130427
    Stock +ve Days11223365126364
    Down Capture-59%-23%-3%29%44%91%
    Bmk -ve Days10253664121325
    Stock -ve Days11213159119373

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with OVLY
    OVLY27.8%21.4%1.04-
    Sector ETF (XLF)11.1%15.2%0.4748.5%
    Equity (SPY)9.5%13.6%0.4123.0%
    Gold (GLD)3.6%28.7%0.111.6%
    Commodities (DBC)37.7%21.2%1.40-26.7%
    Real Estate (VNQ)12.0%14.2%0.5540.3%
    Bitcoin (BTCUSD)-20.8%43.3%-0.423.4%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with OVLY
    OVLY16.6%29.5%0.55-
    Sector ETF (XLF)9.1%18.4%0.3639.8%
    Equity (SPY)11.3%17.3%0.4830.0%
    Gold (GLD)17.5%19.1%0.74-1.6%
    Commodities (DBC)8.0%19.6%0.29-0.8%
    Real Estate (VNQ)1.2%18.9%-0.0531.8%
    Bitcoin (BTCUSD)5.9%51.5%0.298.8%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with OVLY
    OVLY14.5%37.8%0.47-
    Sector ETF (XLF)13.3%22.1%0.5441.8%
    Equity (SPY)14.9%18.0%0.7034.6%
    Gold (GLD)12.0%16.5%0.59-0.9%
    Commodities (DBC)7.6%18.1%0.338.9%
    Real Estate (VNQ)5.7%20.7%0.2334.3%
    Bitcoin (BTCUSD)61.3%66.2%1.018.7%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date10152026
    Short Interest: Shares Quantity0.1 Mil
    Short Interest: % Change Since 9302026-5.8%
    Average Daily Volume0.0 Mil
    Days-to-Cover Short Interest5.5 days
    Basic Shares Quantity8.3 Mil
    Short % of Basic Shares0.9%

    Returns Analyses

    Earnings Returns History

    Updated 11/3/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    10/23/2026-0.2%0.9% 
    7/23/20261.1%3.6%8.4%
    4/23/2026-0.6%-2.7%-0.7%
    1/26/20260.1%1.8%4.0%
    10/23/20250.7%-0.3%3.0%
    7/21/20250.0%-0.1%0.2%
    4/21/20255.5%6.6%11.9%
    1/27/2025-1.3%-2.1%4.1%
    ...
    SUMMARY STATS   
    # Positive131315
    # Negative11118
    Median Positive0.7%1.8%6.6%
    Median Negative-0.8%-1.5%-2.9%
    Max Positive6.6%9.0%11.9%
    Max Negative-2.7%-2.8%-11.7%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    10/23/2026-0.2%0.9% 
    7/23/20261.1%3.6%8.4%
    4/23/2026-0.6%-2.7%-0.7%
    1/26/20260.1%1.8%4.0%
    10/23/20250.7%-0.3%3.0%
    7/21/20250.0%-0.1%0.2%
    4/21/20255.5%6.6%11.9%
    1/27/2025-1.3%-2.1%4.1%
    10/21/2024-1.3%-1.5%10.5%
    7/19/20240.1%0.9%-3.3%
    4/22/20242.4%0.7%-1.2%
    1/22/2024-1.4%5.4%-8.2%
    10/20/2023-0.0%-0.5%8.1%
    7/24/2023-1.6%-2.1%-10.0%
    4/21/20230.0%-2.3%-11.7%
    1/23/2023-0.3%1.1%10.8%
    10/21/20226.6%9.0%11.7%
    7/22/20223.4%3.7%4.9%
    4/25/20220.0%-0.7%-2.5%
    1/24/20220.2%2.2%6.6%
    10/22/20210.9%-1.4%-0.2%
    7/22/2021-0.6%1.0%7.3%
    4/23/2021-0.8%1.1%2.8%
    1/22/2021-2.7%-2.8%3.7%
    SUMMARY STATS   
    # Positive131315
    # Negative11118
    Median Positive0.7%1.8%6.6%
    Median Negative-0.8%-1.5%-2.9%
    Max Positive6.6%9.0%11.9%
    Max Negative-2.7%-2.8%-11.7%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202608/14/202610-Q
    03/31/202605/12/202610-Q
    12/31/202503/25/202610-K
    09/30/202511/13/202510-Q
    06/30/202508/13/202510-Q
    03/31/202505/14/202510-Q
    12/31/202403/31/202510-K
    09/30/202411/13/202410-Q
    06/30/202408/14/202410-Q
    03/31/202405/14/202410-Q
    12/31/202304/01/202410-K
    09/30/202311/14/202310-Q
    06/30/202308/14/202310-Q
    03/31/202305/15/202310-Q
    12/31/202203/29/202310-K
    09/30/202211/14/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202608/14/202610-Q
    03/31/202605/12/202610-Q
    12/31/202503/25/202610-K
    09/30/202511/13/202510-Q
    06/30/202508/13/202510-Q
    03/31/202505/14/202510-Q
    12/31/202403/31/202510-K
    09/30/202411/13/202410-Q
    06/30/202408/14/202410-Q
    03/31/202405/14/202410-Q
    12/31/202304/01/202410-K
    09/30/202311/14/202310-Q
    06/30/202308/14/202310-Q
    03/31/202305/15/202310-Q
    12/31/202203/29/202310-K
    09/30/202211/14/202210-Q
    06/30/202208/12/202210-Q
    03/31/202205/13/202210-Q
    12/31/202103/31/202210-K
    09/30/202111/10/202110-Q
    06/30/202108/13/202110-Q
    03/31/202105/13/202110-Q
    12/31/202003/31/202110-K
    09/30/202011/09/202010-Q
    06/30/202008/10/202010-Q
    03/31/202005/11/202010-Q
    12/31/201903/13/202010-K
    09/30/201911/08/201910-Q

    Insider Activity

    Updated 10/29/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Leonard, Daniel J DirectBuy1028202634.371254,2962,162,285Form
    2Barton, Don DirectSell1026202634.0037512,750980,900Form
    3Leonard, Daniel J DirectBuy928202634.031254,2542,136,642Form
    4Barton, Don DirectSell928202634.0337512,761994,527Form
    5Lafferty, Allison DirectBuy903202633.931,30744,352339,345Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Leonard, Daniel J DirectBuy1028202634.371254,2962,162,285Form
    2Barton, Don DirectSell1026202634.0037512,750980,900Form
    3Leonard, Daniel J DirectBuy928202634.031254,2542,136,642Form
    4Barton, Don DirectSell928202634.0337512,761994,527Form
    5Lafferty, Allison DirectBuy903202633.931,30744,352339,345Form
    6Leonard, Daniel J DirectBuy828202634.231254,2792,144,920Form
    7Barton, Don DirectSell826202634.0737512,7761,008,472Form
    8Leonard, Daniel J DirectBuy819202634.591254,3242,163,155Form
    9Holder, H Randolph JR DirectBuy817202633.751153,8815,163,446Form
    10Barton, Don DirectSell727202632.7237512,270980,782Form
    11Strong, Gary DirectBuy727202632.502,00065,000482,365Form
    12Barton, Don DirectSell626202633.2637512,4721,009,441Form
    13Lafferty, Allison DirectBuy529202633.44872,909290,694Form
    14Barton, Don DirectSell526202633.7737512,6641,037,583Form
    15Holder, H Randolph JR DirectBuy512202632.502006,5004,968,470Form
    16Lafferty, Allison DirectBuy505202633.191805,974285,633Form
    17Leonard, Daniel J DirectBuy429202633.0037512,3752,065,734Form
    18Lafferty, Allison DirectBuy227202632.5950616,492274,625Form
    19Withrow, Terrance P DirectBuy217202633.642979,9911,073,688Form
    20Haidlen, Erich A DirectBuy217202633.232508,307762,622Form
    21Barton, Don DirectSell113202630.2537511,344940,800Form
    22Barton, Don DirectSell1212202530.2937511,360953,463Form
    23Lafferty, Allison DirectBuy1125202528.4848913,929225,597Form
    24Barton, Don DirectSell1112202528.6937510,760913,920Form
    25Strong, Gary DirectBuy1028202527.501,00027,500353,155Form
    26Barton, Don DirectSell1016202526.113759,790841,314Form

    Industry Resources

    External Quote Links


    Prefer one of these to Trefis? Tell us why.
    Core Cache Last Updated: 11/5/2026