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.
Price Chart
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.
Key Financial Metrics
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
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
Investment Themes
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 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 23, 2026 2d ago | 8-K | $33.81 | awaiting T+60 | — | $34.11 (+0.89%) |
Oct 21, 2026 4d ago | Press Release | $34.25 | awaiting T+60 | — | $34.11 (−0.41%) |
Jul 23, 2026 13w ago | 8-K | $32.26 $33.55 | ▼ −4.00% | ▲ +0.55% | $34.11 (−5.73%) |
Jul 22, 2026 13w ago | Press Release | $32.26 $33.55 | ▼ −4.00% | ▲ +0.55% | $34.11 (−5.73%) |
May 29, 2026 21w ago | Insider Cluster | $32.88 $34.07 | ▲ +3.62% | ▲ +2.39% | $34.11 (+3.74%) |
May 5, 2026 24w ago | Insider Cluster | $33.09 $33.41 | ▲ +0.97% | ▼ −1.77% | $34.11 (+3.08%) |
Apr 29, 2026 25w ago | Insider Cluster | $33.16 $32.61 | ▼ −1.66% | ▼ −5.77% | $34.11 (+2.86%) |
Apr 23, 2026 26w ago | 8-K | $33.99 $33.08 | ▲ +2.68% | ▲ +7.70% | $34.11 (−0.35%) |
Apr 22, 2026 26w ago | Press Release | $33.99 $33.08 | ▼ −2.68% | ▼ −7.70% | $34.11 (+0.35%) |
US Market Status
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