Net interest margin expansion or compression driven by Federal Reserve policy and deposit beta (sensitivity to rate changes)
Agricultural loan portfolio credit quality, particularly exposure to dairy operations and permanent crop financing
Deposit growth and composition (non-interest bearing vs interest-bearing mix) in the Central Valley market
Loan growth in commercial real estate and C&I segments, particularly in Modesto and Stockton MSAs
moderate-to-high - Community banks serving agricultural regions exhibit cyclical sensitivity to commodity prices, water availability, and farm income. Central Valley economic activity correlates with agricultural production cycles, commercial real estate development, and small business formation. GDP growth drives commercial loan demand, but regional agricultural conditions can diverge from national trends. The bank's commercial real estate exposure creates sensitivity to local property values and construction activity.
High sensitivity to Federal Reserve policy and yield curve shape. Rising short-term rates typically expand net interest margins as loan yields reprice faster than deposit costs, though deposit betas have increased in recent cycles. The current flat/inverted yield curve environment (as of February 2026) pressures profitability. Falling rates compress margins and reduce reinvestment yields on securities portfolios. Duration of loan portfolio (estimated 3-5 years) versus deposit base (shorter duration) creates asset-sensitive positioning.
Geographic concentration in California's Central Valley exposes the bank to regional economic shocks, water scarcity impacts on agriculture, and state-specific regulatory burdens
Digital banking disruption from fintech competitors and larger banks offering superior mobile platforms, potentially eroding deposit franchise among younger commercial clients
Consolidation pressure in community banking sector as scale becomes increasingly important for technology investment and regulatory compliance costs
value - The stock trades at 1.4x price-to-book with 12.7% ROE, attracting value investors seeking community bank franchises trading below tangible book value with potential for multiple expansion. The 8.5% FCF yield and likely dividend (typical for profitable community banks) appeals to income-focused investors. Recent 19.8% three-month return suggests momentum investors have entered following potential rate cut expectations or credit quality improvements. Not a growth story given -8.6% revenue decline, but turnaround/recovery thesis may attract special situation investors.
No analyst coverage available for this stock.
2 signals unavailable — limited data for this stock
Trend
+10.9% vs SMA 50 · +43.7% vs SMA 200
Momentum
Volume distribution is neutral or leaning toward distribution. No compelling squeeze setup based on current money flow data.
Based on volume distribution analysis. Direct short interest data (short float %, days to cover) is not available in current data sources.
Dividend per payment — last 8 periods
INSTITUTIONAL OWNERSHIP
OVLY News
About
oak valley is located in the heart of california’s central valley and serves a growing footprint spanning five counties and reaching into the eastern sierra nevada. small to medium-sized businesses, professionals and individuals are attracted to our unique style of service. service that our employees take pride in delivering. located in oakdale, oak valley boasts the designation of being the only nasdaq traded company headquartered in stanislaus county. embracing a team philosophy and promoting from within characterize how the employees of oak valley manage for success under a long term growth strategy. team-wide commitment to a culture of service and community provide the foundation for a well thought out de novo branch approach, we refer to as our “rolling 10 year plan.” in our 24 year history, execution of this plan has transformed the bank from a single branch operation in oakdale, to 15 locations (16th under construction) and just under $800 million in assets. dynamic individual
| Symbol | Price | Day % | Mkt Cap↓ | P/E | Rev Grw | Margin | ELO |
|---|---|---|---|---|---|---|---|
OVLY◀ | $32.78 | -1.15% | $276M | — | -863.1% | 2925.9% | 1500 |
| $297.81 | -0.70% | $798.0B | 14.1 | — | — | 1501 | |
| $325.75 | +1.00% | $624.4B | 28.0 | +1134.0% | 5014.5% | 1501 | |
| $494.20 | +0.87% | $436.7B | 28.3 | +1641.6% | 4564.7% | 1492 | |
| $49.77 | +0.00% | $353.2B | — | -45.1% | — | 1496 | |
| $192.51 | -1.04% | $303.6B | 16.6 | +1147.7% | 1466.4% | 1528 | |
| $948.47 | -2.11% | $279.8B | 15.9 | -138.4% | 1373.0% | 1524 | |
| Sector avg | — | -0.45% | — | 20.6 | +479.5% | 3068.9% | 1506 |