Machine learning predictions based on historical earnings data and price patterns
1-Day Prediction
+1.17%
$32.64
100% positive prob.
5-Day Prediction
+2.21%
$32.97
100% positive prob.
20-Day Prediction
+2.16%
$32.96
95% positive prob.
| Quarter | Signal | 1D Return | 5D Return | 20D Return | Confidence | Actual 5D |
|---|---|---|---|---|---|---|
| Q2 2026 | BUY | +1.17% | +2.21% | +2.16% | 100.0% | Pending |
| Q1 2026 | SELL | -0.54% | -1.37% | -1.27% | 100.0% | -2.68% |
| Q4 2025 | BUY | +1.33% | +2.45% | +2.11% | 99.9% | +0.56% |
SEC 8-K filings with transcript text
Jul 23, 2026 · 100% conf.
1D
+1.17%
$32.64
Act: +1.08%
5D
+2.21%
$32.97
20D
+2.16%
$32.96
2 ex_991974.htm
ex_991974.htm
Exhibit 99.1
For Immediate Release
Date:
July 22, 2026
Contact:
Rick McCarty/Jeff Gall
Phone:
848-2265
www.ovcb.com
OAK VALLEY BANCORP REPORTS 2nd QUARTER RESULTS AND ANNOUNCES CASH DIVIDEND
OAKDALE, CA - Oak Valley Bancorp (NASDAQ: OVLY) (the "Company"), the bank holding company for Oak Valley Community Bank and their Eastern Sierra Community Bank division, recently reported unaudited consolidated financial results. For the three months ended June 30, 2026, consolidated net income was $5,114,000, or $0.61 per diluted share (EPS), as compared to $5,309,000, or $0.64 EPS, for the prior quarter and $5,588,000, or $0.67 EPS, for the same period a year ago. Consolidated net income for the six months ended June 30, 2026 was $10,423,000, or $1.25 EPS, compared to $10,885,000 or $1.31 EPS for the same period of 2025.
The decrease in second quarter net income compared to the prior periods was primarily the result of an increase in non-interest expense and lower non-interest income, partially offset by an increase in net interest income and a lower provision for credit losses. The year-to-date decrease compared to 2025 was driven by higher non-interest expense, partially offset by increases in net interest income and non-interest income.
Net interest income for the three-months ended June 30, 2026 was $18,944,000, compared to $18,824,000 in the prior quarter, and $18,154,000 in the same period a year ago. The increase in net interest income over the prior periods is attributed to loan growth, and an increase in the loan yield. Average earning assets grew at a pace of 4.0% for the second quarter of 2026, as compared to the same period of the prior year. The ending balance of gross loans grew by $18,264,000 during the second quarter and $55,859,000 over the prior twelve months. Net interest margin for the three months ended June 30, 2026 was 4.15%, compared to 4.12% for the prior quarter and 4.11% for the same period last year, related to the growth and yield trends stated above.
Non-interest income was $1,665,000 for the three-months ended June 30, 2026, compared to $1,952,000 for the prior quarter and $1,703,000 for the same period last year. The decrease over the prior periods was mainly the result of a special dividend of $181,000 received from the Federal Home Loan Bank recorded during the prior quarter and due to fair value changes in a limited partnership investment.
Non-interest expense totaled $14,157,000 for the three-months ended June 30, 2026, compared to $13,506,000 in the prior quarter and $12,443,000 in the same quarter a year ago. The increases compared to prior periods were primarily due to staffing expenses and general operating costs related to supporting the Company's growth and expanded branch network.
Total assets were $2.00 billion at June 30, 2026, a decrease of $8,721,000 from March 31, 2026 and an increase of $80,669,000 over June 30, 2025. Gross loans were $1.17 billion at June 30, 2026, an increase of $18,264,000 over March 31, 2026 and $55,859,000 over June 30, 2025. The Company's total deposits were $1.76 billion as of June 30, 2026, a decrease of $17,445,000 from March 31, 2026 and an increase of $52,310,000 over June 30, 2025. Our liquidity remains strong, as evidenced by $194,803,000 in cash and cash equivalent balances as of June 30, 2026.
"We are pleased with the continued expansion of our customer base. Our second quarter results reflect loan growth, disciplined balance sheet management, and the benefit of a steady net interest margin," stated Rick McCarty, President and Chief Executive Officer. "Our team continues to manage the business with a long-term, relationship-focused approach that supports our clients, communities, and shareholders."
Non-performing assets (NPA) totaled $2,631,000 as of June 30, 2026, compared to $4,574,000 at March 31, 2026 and no NPA at June 30, 2025. The decrease compared to March 31, 2026 is due to a collateral-dependent loan that was placed on non-accrual status in December 2025, at which time the loan was individually evaluated for impairment and a specific reserve was established. During the second quarter of 2026, a charge-off of $1,735,000 was recorded on the same loan and the remaining $2,581,000 was transferred to OREO. The Company recorded a provision for credit losses of $21,000 during the second quarter as prescribed by the pooled loan calculation which considers macro-economic conditions and other credit-related factors within our current expected credit loss (“CECL”) risk model. Non-performing assets were 0.13% of total assets at June 30, 2026, compared to 0.23% at March 31, 2026. The allowance for credit losses as a percentage of gross loans decreased to 0.96% at June 30, 2026, compared to 1.13% at March 31, 2026 and 1.03% at June 30, 2025, as a result of the $1,735,000 loan charge-off during the second quarter of 2026.
The Board of Directors of Oak Valley
Apr 23, 2026 · 100% conf.
1D
-0.54%
$33.81
Act: -0.54%
5D
-1.37%
$33.52
Act: -2.68%
20D
-1.27%
$33.56
Act: -0.68%
ovly20260422_8k.htm
false 0001431567
0001431567
2026-04-22 2026-04-22
Washington, D.C. 20549
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934.
Date of Report: April 22, 2026
(Date of earliest event reported)
Oak Valley Bancorp
(Exact name of registrant as specified in its charter)
CA
(State or other jurisdiction
of incorporation)
001-34142
(Commission File Number)
26-2326676
(IRS Employer
Identification Number)
125 N. Third Ave. Oakdale, CA
(Address of principal executive offices)
95361
(Zip Code)
(209) 848-2265
(Registrant's telephone number, including area code)
Not Applicable
(Former Name or Former Address, if changed since last report)
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock
The Nasdaq Stock Market, LLC
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 or Rule 12b-2 of the Securities Exchange Act of 1934. Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02. Results of Operations and Financial Condition
On April 22, 2026, Oak Valley Bancorp issued a press release, a copy of which is attached as Exhibit 99.1 and incorporated herein by reference. The press release announced the Company’s operating results for the three-months ended March 31, 2026.
The information in this Item 2.02 in this Form 8-K and the Exhibit 99.1 shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that Section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933 or the Securities Exchange Act of 1934, except as shall be expressly set forth by specific reference in such filing.
Item 7.01. Regulation FD Disclosure.
See “Item 2.02. Results of Operations and Financial Condition” which is incorporated by reference in this Item 7.01.
Item 9.01. Financial Statements and Exhibits
(a) Financial statements:
None
(b) Pro forma financial information:
None
(c) Shell company transactions:
None
(d) Exhibits
99.1
Press Release of Oak Valley Bancorp dated April 22, 2026
104
Cover Page Interactive Data File (embedded within the Inline XBRL document)
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Dated: April 23, 2026
By: /s/ Jeffrey A. Gall
Jeffrey A. Gall
Executive Vice President and Chief Financial Officer
(Principal Financial Officer and duly authorized signatory)
Exhibit Index
Exhibit No.
Description
99.1
Press Release of Oak Valley Bancorp dated April 22, 2026
104
Cover Page Interactive Data File (embedded within the Inline XBRL document)
Jan 26, 2026 · 100% conf.
1D
+1.33%
$32.56
Act: +0.06%
5D
+2.45%
$32.92
Act: +0.56%
20D
+2.11%
$32.81
Act: +2.52%
ovly20260123_8k.htm
false 0001431567
0001431567
2026-01-23 2026-01-23
Washington, D.C. 20549
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934.
Date of Report: January 23, 2026
(Date of earliest event reported)
Oak Valley Bancorp
(Exact name of registrant as specified in its charter)
CA
(State or other jurisdiction
of incorporation)
001-34142
(Commission File Number)
26-2326676
(IRS Employer
Identification Number)
125 N. Third Ave. Oakdale, CA
(Address of principal executive offices)
95361
(Zip Code)
(209) 848-2265
(Registrant's telephone number, including area code)
Not Applicable
(Former Name or Former Address, if changed since last report)
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock
The Nasdaq Stock Market, LLC
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 or Rule 12b-2 of the Securities Exchange Act of 1934. Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02. Results of Operations and Financial Condition
On January 23, 2026, Oak Valley Bancorp issued a press release, a copy of which is attached as Exhibit 99.1 and incorporated herein by reference. The press release announced the Company’s operating results for the three and twelve-months ended December 31, 2025.
The information in this Item 2.02 in this Form 8-K and the Exhibit 99.1 shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that Section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933 or the Securities Exchange Act of 1934, except as shall be expressly set forth by specific reference in such filing.
Item 7.01. Regulation FD Disclosure.
See “Item 2.02. Results of Operations and Financial Condition” which is incorporated by reference in this Item 7.01.
Item 9.01. Financial Statements and Exhibits
(a) Financial statements:
None
(b) Pro forma financial information:
None
(c) Shell company transactions:
None
(d) Exhibits
99.1
Press Release of Oak Valley Bancorp dated January 23, 2026
104
Cover Page Interactive Data File (embedded within the Inline XBRL document)
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Dated: January 26, 2026
By:
/s/ Jeffrey A. Gall
Jeffrey A. Gall
Executive Vice President and Chief Financial Officer (Principal Financial Officer and duly authorized signatory)
Exhibit Index
Exhibit No.
Description
99.1
Press Release of Oak Valley Bancorp dated January 23, 2026
104
Cover Page Interactive Data File (embedded within the Inline XBRL document)
This page provides Oak Valley Bancorp (CA) (OVLY) earnings call transcripts from SEC 8-K filings along with AI-powered predictions for post-earnings price movements. Our machine learning models analyze historical earnings data, pre-earnings price patterns, volume changes, and volatility to predict 1-day, 5-day, and 20-day returns after each earnings release.
Earnings transcripts are sourced directly from SEC EDGAR filings. Predictions are generated using gradient boosting models trained on OVLY's historical earnings reactions. All predicted returns are shown as percentages, and predicted prices are calculated from the closing price at the time of prediction. Past performance does not guarantee future results.