OVLY
Oak Valley BancorpFinancial Services·Banks - Regional
$32.91
$277M market cap
Revenue
$42.1M
Free Cash Flow
$11.9M
Rev Growth
+0.0%
FCF Margin
28.2%
P/FCF
23.3x
EV/FCF
10.2x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank that provides a range of commercial banking services to individuals and small to medium-sized businesses in the Central Valley and the Eastern Sierras. The company's deposits products include checking and savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. It also offers commercial real estate loans, commercial business lending and trade finance, and sm
2-Year Price History
$33.76+51.6%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 20.8 | 6.8 | 6.8 | 5.3 | 8.1 | 7.8 | -0.2 | 155.6 | 0.0 | 8.3 | 32.8% | 3.5x | -- |
| Act | 2025-Q4 | 21.3 | 8.2 | 8.2 | 6.3 | 8.0 | 4.0 | -3.9 | 413.0 | 0.0 | 8.3 | 37.5% | 2.4x | -- |
Valuation & Metrics
Market Stats
Price$32.91
Market Cap$277M
Enterprise Value$121M
P/S Ratio6.6x
P/FCF23.3x
EV/FCF10.2x
FCF Margin (TTM)28.2%
FCF Yield4.3%
Dividend Yield (TTM)3.0%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$42.1M
Net Income$11.6M
Free Cash Flow$11.9M
Revenue Growth (YoY)+0.0%
EBITDA Margin35.6%
Net Margin27.7%
FCF Margin28.2%
CapEx % of Revenue9.9%
SBC % of Revenue1.2%
ROIC35.2%
WC Change % Rev-11.8%
Interest Coverage2.8x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.1M
Days to Cover1.5
Change (vs Prior)+31.6%
Need at least 2 settlement dates for chart
Employees
Headcount225
Revenue / Employee$186,924
Gross Profit / Employee$181,018
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
17.1%(+5.0% YoY)
68 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
14.8%(+3.6% YoY)
9 filers
Vanguard, iShares, SPDR
Market makers
0.0%(-0.1% YoY)
2 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| BlackRock, Inc.Passive | $13.9M | $25.78 | −$1.6M | −$1.6M | -0.2% | $5.69T |
| Fourthstone LLC | $13.3M | $25.68 | +$3.4M | +$10.0M | -1.9% | $590M |
| Siena Capital Partners GP, LLC | $10.5M | $16.01 | +$0 | −$1.1M | -0.5% | $385M |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $10.3M | $32.43 | +$10.3M | +$10.3M | — | $4.04T |
| DIMENSIONAL FUND ADVISORS LPPassive | $5.1M | $25.89 | +$515K | +$1.3M | -0.4% | $480.92B |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $5.1M | $23.51 | −$105K | −$81K | +2.3% | $1.61T |
| Cresset Asset Management, LLC | $4.5M | $23.93 | +$0 | +$0 | -0.0% | $23.10B |
| STATE STREET CORPPassive | $3.4M | $24.96 | +$225K | +$543K | -0.2% | $2.89T |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $1.8M | $23.50 | −$65K | −$1.2M | -2.3% | $4.93B |
| NORTHERN TRUST CORPPassive | $1.6M | $24.77 | +$144K | −$107K | -0.2% | $755.34B |
| GOLDMAN SACHS GROUP INC | $1.5M | $27.03 | +$156K | +$813K | -0.2% | $760.93B |
| Cetera Investment Advisers | $1.5M | $24.26 | +$0 | −$23K | -0.2% | $93.23B |
| VANGUARD FIDUCIARY TRUST COPassive | $1.4M | $32.43 | +$1.4M | +$1.4M | — | $395.83B |
| VANGUARD PORTFOLIO MANAGEMENT LLCPassive | $1.3M | $32.43 | +$1.3M | +$1.3M | — | $1.91T |
| RENAISSANCE TECHNOLOGIES LLC | $1.1M | $25.69 | +$344K | +$230K | +1.2% | $63.91B |
| FMR LLC | $1.1M | $25.28 | +$0 | +$557K | -0.0% | $1.89T |
| RBF Capital, LLC | $973K | $16.01 | +$0 | +$0 | +0.1% | $2.03B |
| MORGAN STANLEY | $794K | $25.33 | −$204K | −$26K | -0.3% | $1.65T |
| Kestra Advisory Services, LLC | $763K | $28.29 | +$717K | +$763K | -0.4% | $26.28B |
| AMERICAN CENTURY COMPANIES INC | $731K | $23.78 | +$48K | +$48K | +0.7% | $193.48B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)BEARISH
Holders
-0.64%
avg per quarter
Holders (ex-self)
-0.67%
excl. this stock
Buyers (this Q)
-1.09%
35 buyers · $0.02B in
Sellers (this Q)
-0.12%
23 sellers · $0.00B out
alpha coverage: 86% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
-4.4%
how holders react when this stock falls
On quiet Qs
-4.6%
−10% to +10% baseline
On rallies (+10%+)
-7.2%
how they react when this stock rises
Holders' portfolio flow this Q
+2.0%
inflows — adds are organic
Sellers' portfolio flow this Q
+1.2%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-6.8%
Holder mid (any stock)
-3.0%
Holder rally (any stock)
-0.3%
Biggest decreases this quarter
BlackRock, Inc.−$1.6Mα-0.2JANE STREET GROUP, LLCexited−$213KMORGAN STANLEY−$204Kα-0.3GEODE CAPITAL MANAGEMENT, LLC−$105Kα+2.3HSBC HOLDINGS PLC−$65Kα-0.1BRIDGEWAY CAPITAL MANAGEMENT, LLC−$65Kα-2.3Empowered Funds, LLC−$65Kα+0.2CHARLES SCHWAB INVESTMENT MANAGEMENT INC−$53Kα+0.7AMALGAMATED BANKexited−$6K
New buyers this quarter
Top-5 holders · 58.4%
BlackRock, Inc.--
Fourthstone LLC--
Siena Capital Partners GP, LLC--
VANGUARD CAPITAL MANAGEMENT LLC--
DIMENSIONAL FUND ADVISORS LP--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
Fourthstone LLC411KSiena Capital Partners GP, LLC323KBANC FUNDS CO LLC—FMR LLC33KM3F, Inc.—Cresset Asset Management, LLC140KRhino Investment Partners, Inc—FIRST REPUBLIC INVESTMENT MANAGEMENT, INC.—JPMORGAN CHASE & CO3KBRIDGEWAY CAPITAL MANAGEMENT, LLC56K
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$226K
15 txns · 6 insiders · 8,095 sh
Sells ($, 12mo)
$75K
7 txns · 1 insider · 2,625 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-05-12 | BUY | HOLDER H RANDOLPH JR | director | 200 | $32.50 | $7K | $4.97M |
| 2026-05-05 | BUY | LAFFERTY ALLISON | director | 180 | $33.19 | $6K | $286K |
| 2026-04-29 | BUY | Leonard Daniel J | director | 375 | $33.00 | $12K | $2.07M |
| 2026-02-27 | BUY | LAFFERTY ALLISON | director | 506 | $32.59 | $16K | $275K |
| 2026-02-13 | BUY | Haidlen Erich A | director | 250 | $33.23 | $8K | $763K |
| 2026-02-13 | BUY | WITHROW TERRANCE P | director | 297 | $33.64 | $10K | $1.07M |
| 2026-01-12 | SELL | Barton Don | director | 375 | $30.25 | $11K | $941K |
| 2025-12-12 | SELL | Barton Don | director | 375 | $30.29 | $11K | $953K |
| 2025-11-25 | BUY | LAFFERTY ALLISON | director | 489 | $28.48 | $14K | $226K |
| 2025-11-12 | SELL | Barton Don | director | 375 | $28.69 | $11K | $914K |
| 2025-10-28 | BUY | Strong Gary | director | 1,000 | $27.50 | $28K | $353K |
| 2025-09-12 | SELL | Barton Don | director | 375 | $28.80 | $11K | $939K |
| 2025-08-14 | BUY | LAFFERTY ALLISON | director | 523 | $27.69 | $14K | $206K |
| 2025-08-12 | SELL | Barton Don | director | 375 | $27.94 | $10K | $921K |
| 2025-08-08 | BUY | Haidlen Erich A | director | 316 | $27.06 | $9K | $614K |
| 2025-08-08 | BUY | WITHROW TERRANCE P | director | 294 | $26.88 | $8K | $850K |
| 2025-08-01 | BUY | LAFFERTY ALLISON | director | 165 | $26.46 | $4K | $183K |
| 2025-08-01 | BUY | Leonard Daniel J | director | 1,000 | $26.20 | $26K | $1.63M |
| 2025-07-30 | BUY | HOLDER H RANDOLPH JR | director | 500 | $27.00 | $14K | $4.12M |
| 2025-07-14 | SELL | Barton Don | director | 375 | $28.63 | $11K | $955K |
Order Flow (FINRA, ~3w lag)
22.9%retail+0.9pp
19.2%dark+3.6pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
Oak Valley Bancorp: Implausible Asset Quality in a CRE-Heavy Portfolio
Overall Risk
4/10
Fraud
3/10
Dilution
2/10
Insolvency
2/10
Earnings Overstated
4/10
Hidden Liabilities
2/10
Legal
1/10
Audit Warnings
1/10
Hidden Upside
3/10
Contextually Acceptable
8/10