OVLY
Oak Valley Bancorp30.80
+0.20+0.65%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
258.36MP/E (TTM)
10.85Basic EPS (TTM)
2.84Dividend Yield
0.02%Recent Filings
10-Q
Q2 FY2025 results
Oak Valley Bancorp posted steady Q2 FY2025 results, with net interest income climbing 5.0% y/y to $18.2M on higher loan yields and earning asset growth, while net income dipped 5.1% y/y to $5.6M amid rising expenses from staffing and operations. Gross margin held firm at 4.1%, but operating expenses jumped 9.2% y/y to $12.7M, squeezing profitability; diluted EPS fell to $0.67 from $0.71, reconciling neatly with 8.3M shares. No provision for credit losses hit the books, underscoring pristine asset quality with zero non-performers. Cash swelled 17.8% q/q to $198.9M, bolstering liquidity without debt, yet competition from larger banks pressures deposit retention in the Central Valley.
8-K
OVLY Q2 earnings rise quarterly
Oak Valley Bancorp posted Q2 net income of $5.6 million, up from $5.3 million last quarter but down from $5.9 million a year ago, fueled by $18.9 million in loan growth to $1.11 billion and a steady 4.11% net interest margin. Deposits dipped slightly to $1.71 billion yet rose 66.5 million year-over-year, while zero non-performing assets underscore pristine credit quality. No provision for credit losses needed. The board declared a $0.30 per share dividend, payable August 8.
8-K
Board retirements and new appointment
Oak Valley Bancorp announced the retirement of long-serving directors Danny L. Titus and Thomas A. Haidlen, effective June 17, 2025, after decades of guiding the bank's formation and growth. Erich A. Haidlen, a local business leader with financial analysis expertise, joined the board concurrently. Shareholders at the June 17 annual meeting re-elected five directors and ratified RSM US LLP as auditors. Continuity prevails amid board refresh.
10-Q
Q1 FY2025 results
Oak Valley Bancorp posted net income of $5.3M for Q1 FY2025 ended March 31, 2025, down 7.5% y/y from $5.7M yet holding steady on a q/q basis, as net interest income climbed 3.3% y/y to $17.8M on higher loan yields despite deposit costs edging up to 0.8% from 0.7%. Credit quality shines with zero non-accrual loans and no provision for credit losses, while the allowance holds at 1.05% of loans. Deposits grew 1.4% q/q to $1.7B, boosting cash to $209M; free cash flow wasn't disclosed in the 10-Q. The bank added $1.2M to its LIHTC commitment for CRA goals. Still, rising deposit competition could squeeze margins further.
8-K
Q1 earnings dip on expenses
Oak Valley Bancorp reported first-quarter 2025 net income of $5.3 million, down from $6.0 million last quarter due to higher operating expenses from staffing and growth servicing. Net interest income held steady at $17.8 million, with margin up to 4.09% despite a Fed rate cut, thanks to lower deposit costs and loan repricing. Assets hit $1.92 billion; loans dipped slightly to $1.09 billion. Credit quality shines. Nonperforming assets remain zero.
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