OVLY
Oak Valley Bancorp
NasdaqCMUSDEQUITY
Financial Services
DELAYED
Buy
+28/100
Last price
34.53
▲ 0.25 (0.73%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
34.44
Prev close
34.28
Day high
34.53
Day low
33.90
Volume
6.95K
Market cap
$290.49M
P/E (TTM)
12.29
52W range
25.41 – 35.97
Day trading desk
Gap from prior close
+0.48%
Prior close 34.28
VWAP
34.48
+0.14% from price
Relative volume
0.38×
Quiet session
Session range
1.86%
33.90 – 34.53
Position in range
100%
Near session high
ATR (14D)
0.82
2.38% of price
Prior day high
34.60
PDH
Prior day low
33.50
PDL
Bid / ask spread
—
Quote not published
Session volume
9.13K
Avg 24.24K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+1.86%
-0.1%
1M
-1.00%
-2.2%
3M
+4.41%
-0.1%
6M
+4.13%
-14.1%
YTD
+14.87%
+0.6%
1Y
+25.56%
+9.1%
3Y
+37.68%
-44.6%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
11 more panels on OVLY open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+2.76K
Net buying
Buy transactions
10
4.64K shares
Sell transactions
5
1.88K shares
Net transactions
+15
Buys less sells
Sell : buy shares
0.4 : 1
Mixed
Insider-held shares
1.26M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 28, 26 | BARTON DONALD Director |
SELL | 375 | $12.76K | Direct |
| Sep 28, 26 | LEONARD DANIEL J Director |
BUY | 125 | $4.25K | Direct |
| Aug 28, 26 | LEONARD DANIEL J Director |
BUY | 125 | $4.28K | Direct |
| Aug 26, 26 | BARTON DONALD Director |
SELL | 375 | $12.78K | Direct |
| Aug 26, 26 | LAFFERTY ALLISON C Director |
BUY | 1.31K | $44.35K | Direct |
| Aug 19, 26 | LEONARD DANIEL J Director |
BUY | 125 | $4.32K | Direct |
| Aug 17, 26 | HOLDER H RANDOLPH JR Director |
BUY | 115 | $3.88K | Direct |
| Jul 27, 26 | BARTON DONALD Director |
SELL | 375 | $12.27K | Direct |
| Jul 27, 26 | STRONG GARY Director |
BUY | 2.00K | $65.00K | Direct |
| Jun 26, 26 | BARTON DONALD Director |
SELL | 375 | $12.47K | Direct |
| May 28, 26 | LAFFERTY ALLISON C Director |
BUY | 87 | $2.91K | Direct |
| May 26, 26 | BARTON DONALD Director |
SELL | 375 | $12.66K | Direct |
| May 12, 26 | HOLDER H RANDOLPH JR Director |
BUY | 200 | $6.50K | Direct |
| May 5, 26 | LAFFERTY ALLISON C Director |
BUY | 180 | $5.97K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
COURTNEY CHRISTOPHER M |
Chief Executive Officer | 243.65K | Stock Award(Grant) |
GHAN CATHY |
Officer | 41.18K | Stock Award(Grant) |
GILBERT JAMES L |
Director | 151.65K | Stock Gift |
HOLDER H RANDOLPH JR |
Director | 152.99K | Purchase |
LEONARD DANIEL J |
Director | 62.79K | Purchase |
MCCARTY RICHARD A |
President | 60.93K | Stock Award(Grant) |
PELTON JANET S |
Director | 65.00K | Purchase |
RODRIGUES MICHAEL J. |
Officer | 76.43K | Stock Award(Grant) |
STAHL RUSSELL E |
Chief Technology Officer | 40.80K | Stock Award(Grant) |
TITUS DANNY L |
Director | 208.85K | Stock Gift |
Fundamentals
Market cap$290.49M
Enterprise value$98.74M
Revenue (TTM)$83.07M
Gross profit$83.07M
EBITDA—
Net income$23.45M
EPS (TTM)$2.81
Free cash flow—
Total cash$194.80M
Total debt$7.85M
Book value / share$26.23
Shares outstanding8.41M
Float7.10M
Short % of float1.23%
Dividend yield2.18%
Beta (5Y)0.22
Valuation & profitability ratios
Trailing P/E12.29
Forward P/E—
PEG ratio—
Price / sales—
Price / book1.32
EV / revenue1.19
EV / EBITDA—
Gross margin0.00%
Operating margin32.65%
Profit margin28.23%
Return on equity11.64%
Return on assets1.20%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $81.73M | $76.59M | $82.43M | $65.65M | +6.7% |
| Operating revenue | $81.73M | $76.59M | $82.43M | $65.65M | +6.7% |
| Selling, general & admin | $30.84M | $28.64M | $26.11M | $23.05M | +7.7% |
| Pre-tax income | $30.65M | $32.19M | $40.31M | $29.69M | -4.8% |
| Tax provision | $6.74M | $7.24M | $9.46M | $6.79M | -7.0% |
| Net income | $23.91M | $24.95M | $30.85M | $22.90M | -4.1% |
| Net income to common | $23.91M | $24.95M | $30.85M | $22.90M | -4.1% |
| Basic EPS | 2.90 | 3.04 | 3.76 | 2.80 | -4.6% |
| Diluted EPS | 2.88 | 3.02 | 3.75 | 2.79 | -4.6% |
| Basic shares | 8.24M | 8.22M | 8.19M | 8.17M | +0.3% |
| Diluted shares | 8.29M | 8.26M | 8.23M | 8.20M | +0.4% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $203.10M | $138.48M | $180.07M | $415.80M | +46.7% |
| Accounts receivable | $3.51M | $3.27M | $2.87M | $2.46M | +7.4% |
| Property, plant & equipment | $26.29M | $22.98M | $22.72M | $23.05M | +14.4% |
| Goodwill & intangibles | $3.31M | $3.39M | $3.47M | $3.56M | -2.3% |
| Total assets | $2.02B | $1.90B | $1.84B | $1.97B | +6.4% |
| Total liabilities | $1.82B | $1.72B | $1.68B | $1.84B | +5.7% |
| Retained earnings | $194.39M | $175.50M | $154.30M | $126.73M | +10.8% |
| Shareholder equity | $207.97M | $183.44M | $166.09M | $126.63M | +13.4% |
| Net tangible assets | $204.66M | $180.05M | $162.62M | $123.07M | +13.7% |
| Shares issued | 8.39M | 8.36M | 8.29M | 8.26M | +0.4% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $23.91M | $24.95M | $30.85M | $22.90M | -4.1% |
| Depreciation & amortisation | $1.14M | $1.09M | $1.10M | $1.15M | +4.1% |
| Stock-based compensation | $904.00K | $845.00K | $533.00K | $622.00K | +7.0% |
| Change in working capital | $2.61M | $623.00K | -$556.00K | -$1.57M | +319.4% |
| Operating cash flow | $28.67M | $25.64M | $33.06M | $22.81M | +11.8% |
| Capital expenditure | -$4.11M | -$1.78M | -$1.89M | -$1.19M | -130.9% |
| Investing cash flow | -$57.20M | -$114.70M | -$79.50M | -$376.18M | +50.1% |
| Dividends paid | -$5.02M | -$3.75M | -$2.65M | -$2.47M | -34.0% |
| Financing cash flow | $91.97M | $41.25M | -$166.62M | $4.74M | +122.9% |
| Free cash flow | $24.56M | $23.86M | $31.16M | $21.62M | +2.9% |
| End cash position | $232.18M | $168.75M | $216.57M | $429.63M | +37.6% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $20.61M | $20.78M | $21.28M | $21.17M | $19.86M | -0.8% |
| Operating revenue | $20.61M | $20.78M | $21.28M | $21.17M | $19.86M | -0.8% |
| Selling, general & admin | $9.42M | $8.56M | $7.54M | $7.86M | $7.97M | +10.0% |
| Pre-tax income | $6.43M | $6.81M | $8.15M | $8.53M | $7.17M | -5.5% |
| Tax provision | $1.32M | $1.50M | $1.82M | $1.84M | $1.58M | -12.0% |
| Net income | $5.11M | $5.31M | $6.33M | $6.69M | $5.59M | -3.7% |
| Net income to common | $5.11M | $5.31M | $6.33M | $6.69M | $5.59M | -3.7% |
| Basic EPS | 0.62 | 0.64 | 0.77 | 0.81 | 0.68 | -3.1% |
| Diluted EPS | 0.61 | 0.64 | 0.76 | 0.81 | 0.67 | -4.7% |
| Basic shares | 8.27M | 8.26M | 8.25M | 8.25M | 8.25M | +0.2% |
| Diluted shares | 8.33M | 8.32M | 8.30M | 8.30M | 8.29M | +0.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $144.78M | $155.55M | $203.10M | $225.47M | $153.04M | -6.9% |
| Accounts receivable | — | — | $3.51M | — | — | — |
| Property, plant & equipment | $18.71M | $18.87M | $26.29M | $18.88M | $18.42M | -0.9% |
| Goodwill & intangibles | $3.31M | $3.31M | $3.31M | $3.33M | $3.35M | 0.0% |
| Total assets | $2.00B | $2.01B | $2.02B | $2.00B | $1.92B | -0.4% |
| Total liabilities | $1.78B | $1.80B | $1.82B | $1.80B | $1.74B | -1.1% |
| Retained earnings | $201.67M | $196.56M | $194.39M | $188.06M | $183.88M | +2.6% |
| Shareholder equity | $217.03M | $206.15M | $207.97M | $198.28M | $185.81M | +5.3% |
| Net tangible assets | $213.72M | $202.84M | $204.66M | $194.95M | $182.45M | +5.4% |
| Shares issued | 8.41M | 8.41M | 8.39M | 8.39M | 8.38M | 0.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $5.11M | $5.31M | $6.33M | $6.69M | $5.59M | -3.7% |
| Depreciation & amortisation | $324.00K | $332.00K | $327.00K | $271.00K | $269.00K | -2.4% |
| Stock-based compensation | $694.00K | $252.00K | $238.00K | $231.00K | $234.00K | +175.4% |
| Change in working capital | -$2.42M | $1.77M | $344.00K | $324.00K | -$405.00K | -236.9% |
| Operating cash flow | $3.61M | $8.06M | $7.98M | $6.62M | $5.83M | -55.1% |
| Capital expenditure | -$230.00K | -$212.00K | -$555.00K | -$790.00K | -$1.58M | -8.5% |
| Investing cash flow | $7.03M | -$23.21M | -$41.03M | -$19.41M | -$13.92M | +130.3% |
| Dividends paid | $0 | -$3.15M | $0 | -$2.52M | $0 | +100.0% |
| Financing cash flow | -$17.45M | -$15.42M | $18.08M | $61.08M | -$2.35M | -13.1% |
| Free cash flow | $3.38M | $7.84M | $7.42M | $5.83M | $4.25M | -56.9% |
| End cash position | $194.80M | $201.60M | $232.18M | $247.16M | $198.86M | -3.4% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Mar 2010 | — | 0.10 | — |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders15.18%
Held by institutions36.05%
Institutions holding128
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
34.04
+1.43% from price
SMA 20
34.28
+0.73% from price
SMA 50
34.08
+1.32% from price
SMA 100
33.83
+2.07% from price
SMA 200
33.12
+4.27% from price
EMA 12
34.18
+1.03% from price
EMA 26
34.17
+1.05% from price
EMA 50
34.07
+1.36% from price
RSI (14)
55.1
Neutral
MACD (12,26,9)
0.01
Hist -0.00
ATR (14)
0.82
2.38% of price
Realised vol 30D
15.2%
Annualised
Bollinger upper
34.94
20, 2σ
Bollinger lower
33.62
20, 2σ
50 / 200 cross
Golden
34.08 vs 33.12
Trend bias
Above 200
+4.27%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.36
Less volatile than market
Correlation to SPY
0.22
Largely independent
Realised vol 30D
15.2%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-9.0%
Peak to trough
Max drawdown 5Y
-27.2%
Peak to trough
ATR 14
0.82
2.38% of price
Beta (reported)
0.22
5Y monthly, from filing
Short interest
Shares short
88.92K
Prior 96.18K
Change vs prior
-7.5%
Shorts covering
% of float
1.23%
Normal
% of shares out
1.06%
Against total outstanding
Days to cover
3.5
Liquid
Float
7.10M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Dividends & splits
Forward rate$0.75 / yr
Forward yield2.18%
5-year avg yield1.62%
Payout ratio23.94%
Ex-dividend dateAug 3, 2026
Next pay dateAug 14, 2026
Last split3:2
Split dateJan 17, 2006
SEC filings
Periodic Financial Reports
10-Q · 2026-08-14
Corporate Changes & Voting Matters
8-K · 2026-07-23
Corporate Changes & Voting Matters
8-K · 2026-06-17
Periodic Financial Reports
10-Q · 2026-05-12
Proxy Statements
DEF 14A · 2026-04-29
Corporate Changes & Voting Matters
8-K · 2026-04-23
Periodic Financial Reports
10-K · 2026-03-25
Corporate Changes & Voting Matters
8-K · 2026-01-27
Headlines
Oak Valley Bancorp's Dividend Analysis
GuruFocus.com · 65d ago
OVLY's Q2 Earnings Decline Y/Y Due to Higher Operating Costs
Zacks · 71d ago
Oak Valley Bancorp: Q2 Earnings Snapshot
Associated Press · 76d ago
Oak Valley Bancorp Reports 2nd Quarter Results and Announces Cash Dividend
GlobeNewswire · 76d ago
Oak Valley Community Bank Announces Commercial Banking Officer Hiring
GlobeNewswire · 85d ago
PRIVATE STRATEGY · BY QUALIFICATION
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