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Oak Valley Bancorp
Oak Valley Bancorp (OVLY) investor relations material
Oak Valley Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary26 Jan, 2026
Executive summary
Reported Q4 2025 net income of $6.34M ($0.76 EPS), down from $6.69M ($0.81 EPS) in Q3 2025, but up from $6.01M ($0.73 EPS) in Q4 2024.
Full-year 2025 net income was $23.91M ($2.88 EPS), a 4.1% decrease from $24.95M ($3.02 EPS) in 2024.
Achieved milestone of $2.02B in total assets at year-end 2025.
Financial highlights
Net interest income for Q4 2025 was $19.46M, up from $17.85M in Q4 2024; full-year 2025 was $74.62M, up from $70.03M in 2024.
Non-interest income for Q4 2025 was $1.83M, up from $1.43M in Q4 2024; full-year 2025 was $7.11M, up from $6.56M in 2024.
Non-interest expense for Q4 2025 was $12.26M, up from $11.55M in Q4 2024; full-year 2025 was $50.27M, up from $46.02M in 2024.
Gross loans at year-end 2025 were $1.14B, up $37.4M year-over-year.
Deposits at year-end 2025 were $1.79B, up $97.3M year-over-year.
Outlook and guidance
Management highlights strong liquidity and stable credit quality, with reserves deemed at acceptable levels despite industry concerns in commercial real estate.
Commercial real estate credit risk outlook?
How do rate cuts affect NIM and cost of funds?
Reconcile YTD net income decline with asset growth
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Latest summaries
- TimeTickerHeadlineOpen
- GAIN
Record new investments and NAV growth highlight a strong quarter with robust distributions. - GAINRecord realized gains and income drove higher NAV and strong distributions in FY25.
- GAINNet investment income reached $9.1M, NAV per share was $12.99, and distributions stayed strong.
- EPAC
Directors, auditor, and executive pay were approved with strong shareholder participation. - ARCC
FY 2025 delivered $2.01 core EPS, $1.86/share net income, and a $29.5B portfolio. - GAINNAV per share rose to $13.53 on strong portfolio growth and stable adjusted NII.
- MATW
Net income $43.6M, sales $284.8M, debt reduced $174M, FY2026 EBITDA guidance $180M. - 443060
Operating profit rose 28.9% in 2025, with strong core business and digital segment growth. - GM
Disciplined transformation, resilient cash flow, and software growth drive a strong outlook. - BTBT
Transitioned to a strategic asset model centered on ETH staking and AI infrastructure growth.
Next Oak Valley Bancorp earnings date
Q1 202620 Apr, 2026
Oak Valley Bancorp
Next Oak Valley Bancorp earnings date
Q1 202620 Apr, 2026
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Frequently asked questions
Oak Valley Bancorp is the bank holding company for Oak Valley Community Bank, which operates primarily in California. The bank provides a wide range of commercial banking services aimed at individuals and small to medium-sized businesses, particularly in the Central Valley and Eastern Sierra regions. Its offerings include various deposit products such as checking and savings accounts, along with lending products like commercial loans, real estate loans, and lines of credit. The company is headquartered in Oakdale, California, and its shares are listed on the NASDAQ.
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