OVLY 8-K SEC Filing Analysis

Latest settled — T+20d ⚠ clustered

OVLY ▼ -1.27% at T+20d

SHORT call ✓ call won +1.27% · α vs SPY +5.90% · entry $33.99 → $33.56

Next anchor: T+60d in 6w

Last close $34.31 (close Jun 8) · -0.94% from $33.99 entry (call sign-flipped)

Entry anchored
Apr 23, 01:02 PM ET
via Databento tick

T+1d

-0.62%

call +0.62% · α +1.40%

$33.78

settled 7w ago

T+5d

-2.44%

call +2.44% · α +3.92%

$33.16

settled 6w ago

T+20d

-1.27%

call +1.27% · α +5.90%

$33.56

settled 20d ago

T+60d

—

call — · α —

—

in 6w

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Executive Summary

Oak Valley Bancorp reported Q1 2026 earnings with diluted EPS of $0.64, down 17% from $0.76 in the prior quarter, driven by lower net interest income and higher operating expenses. Net interest margin declined to 4.12% from 4.14%, and the company recorded a $464,000 provision for credit losses related to an existing non-performing loan.

Actionable Insight

Monitor next quarter's net interest margin and expense trends to determine if the decline is structural. The stable credit quality offsets some concerns, but declining profitability remains a headwind.

Key Facts

Q1 2026 EPS was $0.64, down from $0.76 in Q4 2025
Net interest income decreased to $18.82M from $19.46M in prior quarter
Net interest margin declined to 4.12% from 4.14%
Non-interest expense increased to $13.51M from $12.26M
Provision for credit losses was $464,000, down from $865,000 in prior quarter
Non-performing assets remained flat at $4.6M (0.23% of total assets)

Financial Impact

EPS decline of 17% QoQ with margin compression and rising expenses

epsnet_interest_incomenet_interest_marginnon_interest_expense

Risk Factors

Continued margin pressure from lower yields and higher deposit costs
Operating expenses increasing faster than revenue
Potential for additional credit loss provisions if commercial real estate conditions deteriorate

Market Snapshot

Exchange

Nasdaq

Sector

State Commercial Banks

Documents Analyzed

This report is based on 6 SEC documents filed with EDGAR.

Document	Accession Number
8-K Filing (Primary)	0001437749-26-013128
Document: ovly20260422_8k.htm	0001437749-26-013128
Document: 0001437749-26-013128-index-headers.html	0001437749-26-013128
Document: 0001437749-26-013128-index.html	0001437749-26-013128
Document: 0001437749-26-013128.txt	0001437749-26-013128
8-K Data (Synthetic)	0001437749-26-013128

5 reports for OVLY

T+1T+5T+20T+60

Filters

Reports for OVLY — sortable, filterable
	Type				Now
May 29, 2026 11d ago	Insider Cluster NEUTRAL ★ 2/10	$32.88 $34.21	▲ +4.04%	▲ +6.80%	$34.31 (+4.35%)
May 5, 2026 5w ago	Insider Cluster NEUTRAL ★ 2/10	$33.09 $33.01	▼ −0.24%	▼ −2.23%	$34.31 (+3.69%)
Apr 29, 2026 6w ago	Insider Cluster NEUTRAL ★ 2/10	$33.16 $33.09	▼ −0.21%	▼ −3.32%	$34.31 (+3.47%)
Apr 23, 2026 6w ago	8-K BEARISH ★ 6/10	$33.99 $33.16	▲ +2.44%	▲ +3.92%	$34.31 (−0.94%)
Apr 22, 2026 6w ago	Press Release NEUTRAL ★ 4/10	$33.99 $33.16	▼ −2.44%	▼ −3.92%	$34.31 (+0.94%)

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