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An update from Oak Valley Bancorp [Ca] ( (OVLY) ) is now available.
Oak Valley Bancorp reported unaudited results for the fourth quarter and full year ended December 31, 2025, showing fourth-quarter net income of $6.3 million, or $0.76 per diluted share, down from the prior quarter but up from a year earlier, and full-year 2025 net income of $23.9 million, or $2.88 per share, a 4.1% decline from 2024. The earnings dip versus the prior quarter was driven by an $865,000 provision for credit losses tied to a single collateral-dependent commercial real estate loan placed on non-accrual in December, which lifted non-performing assets to $4.6 million and increased the allowance for credit losses to 1.08% of gross loans, though management said overall credit quality remains stable; at the same time, growth in earning assets fueled year-over-year increases in net interest income and margin, non-interest income rose on higher fee and securities-related revenues, expenses climbed with expanded operations, total assets surpassed the $2 billion milestone on strong loan and deposit growth and liquidity, and on January 20, 2026, the board declared a cash dividend of $0.375 per share payable in February 2026, signaling continued capital return to shareholders.
The most recent analyst rating on (OVLY) stock is a Hold with a $33.00 price target. To see the full list of analyst forecasts on Oak Valley Bancorp [Ca] stock, see the OVLY Stock Forecast page.
Spark’s Take on OVLY Stock
According to Spark, TipRanks’ AI Analyst, OVLY is a Outperform.
The score is driven primarily by solid financial strength (no reported debt, healthy historical profitability and cash flow) tempered by a sharp TTM revenue decline and questionable TTM margin quality. Technicals are moderately bullish (price above major moving averages; positive MACD), and valuation is supportive with a low P/E and modest dividend yield.
To see Spark’s full report on OVLY stock, click here.
More about Oak Valley Bancorp [Ca]
Oak Valley Bancorp (NASDAQ: OVLY) is the bank holding company for Oak Valley Community Bank and its Eastern Sierra Community Bank division, providing a variety of loan and deposit products to individuals and small businesses. The company operates 19 branches across Central California and the Eastern Sierra region, including locations such as Oakdale, Modesto, Stockton, Sacramento, Roseville, and Mammoth Lakes, with a community banking focus.
Average Trading Volume: 12,258
Technical Sentiment Signal: Buy
Current Market Cap: $269.5M
For a thorough assessment of OVLY stock, go to TipRanks’ Stock Analysis page.