Oak Valley Bancorp — Form 8-K
Filed July 23, 2026 · analyzed by the 8-K Agent
8-K
▼ Likely negative
significance 32/100
What the filing says
Oak Valley Bancorp (NASDAQ: OVLY, ~$197M market cap) reported Q2 2026 net income of $5.114M ($0.61 diluted EPS), down from $5.309M ($0.64 EPS) in Q1 2026 and $5.588M ($0.67 EPS) in Q2 2025. The board declared a cash dividend of $0.375 per share (~$3.155M total) payable August 14, 2026 to shareholders of record August 3, 2026. Loan growth of $55.9M year-over-year and net interest margin improvement to 4.15% were offset by higher non-interest expenses ($14.157M, up from $12.443M year-ago) and a $1.735M loan charge-off. Total assets: $2.001B; total deposits: $1.764B; book value per share: $25.80.
Why this rating
Earnings decline and rising efficiency ratio (66.46% vs 60.75% YoY) show margin pressure. Dividend ($3.2M) is 1.6% of market cap—sustainable but modest. Loan charge-off material to quarter but reserves adequate. Routine earnings report; no strategic shift or going concern issue.
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