Oak Valley Bancorp
OVLYFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 3:59 PM ET
34.62+0.37 (1.08%)
2026-11-12 06:16 CET
Market cap
291.50 USD m
Revenue, TTM
- USD m
Net income, TTM
23.21 USD m
Free cash flow, TTM
27.75 USD m
EPS diluted, TTM
2.79
P/E
12.42
Price
OVLY against its 20, 50 and 200-day averages2050200
4.0% under the 52-week high of 36.08 on 5 Nov 2026. 52-week low 27.21 on 19 Nov 2025. Last 15 sessions, 8.1% high to low
Volume 0.55× normal · the line is the 50-bar volume average
Profile
OVLY52-week range, 84% of the way up
27.2136.08
Oak Valley Bancorp is a bank holding company, which engages in the business of operating its subsidiary, Oak Valley Community Bank. It offers a variety of loan and deposit products to individuals and small businesses. The company was founded on May 31, 1990 and is headquartered in Oakdale, CA.
| Index | RUT |
|---|---|
| Employees | 245 |
| IPO | Feb 07, 1997 |
| Beta | 0.24 |
| ATR, 14d | 0.97 |
| Rel volume | 0.55 |
| Short float | 0.91% |
| Insider own | 16.46% |
| Inst own | 35.84% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | 291.50M |
| Enterprise Value | - |
| Income | 23.21M |
| Sales | 98.42M |
| Book/sh | 22.70 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | 0.75 (2.17%) |
| Dividend Ex-Date | Aug 03, 2026 |
| Dividend Gr. 3/5Y | 25.99% 16.47% |
| Payout | 20.81% |
| Employees | 245 |
| IPO | Feb 07, 1997 |
Ratios
| P/E | 12.42 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 2.96 |
| P/B | 1.53 |
| P/C | - |
| P/FCF | 10.50 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.12 |
| Debt/Eq | 0.00 |
| LT Debt/Eq | 0.00 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 2.79 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | 1.09% 11.39% |
| Sales past 3/5Y | 12.70% 13.28% |
| EPS Y/Y TTM | -1.97% |
| Sales Y/Y TTM | 5.39% |
| EPS Q/Q | -4.20% |
| Sales Q/Q | 3.85% |
| Earnings | - |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 16.46% |
|---|---|
| Insider Trans | 0.14% |
| Inst Own | 35.84% |
| Inst Trans | 4.06% |
| ROA | 1.17% |
| ROE | 11.92% |
| ROIC | 12.14% |
| Gross Margin | - |
| Oper. Margin | 30.06% |
| Profit Margin | 23.58% |
| SMA20 | 1.16% |
| SMA50 | 1.15% |
| SMA200 | 3.15% |
| Trades | - |
Technical
| Shs Outstand | 8.42M |
|---|---|
| Shs Float | 7.03M |
| Short Float | 0.91% |
| Short Ratio | 3.39 |
| Short Interest | 0.06M |
| 52W High | 36.08 -4.05% |
| 52W Low | 27.21 27.23% |
| Volatility | 3.47% 2.37% |
| ATR (14) | 0.97 |
| RSI (14) | 53.41 |
| Beta | 0.24 |
| Rel Volume | 0.55 |
| Avg Volume | 18.97K |
| Volume | 10,466 |
Performance
| Perf Week | -1.90% |
|---|---|
| Perf Month | 1.94% |
| Perf Quarter | 1.14% |
| Perf Half Y | 5.29% |
| Perf YTD | 15.17% |
| Perf Year | 19.59% |
| Perf 3Y | 37.11% |
| Perf 5Y | 89.18% |
| Perf 10Y | 207.71% |
| Recom | - |
| Target Price | - |
| Prev Close | 34.25 |
| Price | 34.62 |
| Change % | 1.08% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| FNRN | First Northern Community Bancorp | 275.29M |
| BSRR | Sierra Bancorp | 544.84M |
| CWBC | Community West Bancshares | 702.33M |
| PLBC | Plumas Bancorp | 435.47M |
| RCBC | River City Bank | 834.66M |
| BMRC | Bank of Marin Bancorp | 461.93M |
| FSBC | Five Star Bancorp | 1.09B |
| TCBK | Trico Bancshares | 1.66B |
| WABC | Westamerica Bancorporation | 1.38B |
| SSBI | Summit State Bank | 79.84M |
Insider trading
latest 14 of 32| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Leonard Daniel J | Director | Oct 28 '26 | Buy | 34.37 | 125 | 4,296 | 62,912 | Oct 29 11:49 AM |
| Barton Don | Director | Oct 26 '26 | Sale | 34.00 | 375 | 12,750 | 28,850 | Oct 26 05:27 PM |
| Barton Don | Director | Oct 26 '26 | Proposed Sale | 34.00 | 375 | 12,750 | Oct 26 10:21 AM | |
| Leonard Daniel J | Director | Sep 28 '26 | Buy | 34.03 | 125 | 4,254 | 62,787 | Sep 29 11:47 AM |
| Barton Don | Director | Sep 28 '26 | Sale | 34.03 | 375 | 12,761 | 29,225 | Sep 28 07:37 PM |
| Barton Don | Director | Sep 28 '26 | Proposed Sale | 34.03 | 375 | 12,761 | Sep 28 01:24 PM | |
| LAFFERTY ALLISON | Director | Aug 26 '26 | Buy | 33.93 | 1,307 | 44,352 | 10,000 | Sep 03 08:22 PM |
| Leonard Daniel J | Director | Aug 28 '26 | Buy | 34.23 | 125 | 4,279 | 62,662 | Aug 31 07:59 PM |
| Barton Don | Director | Aug 26 '26 | Sale | 34.07 | 375 | 12,776 | 29,600 | Aug 28 05:46 PM |
| Barton Don | Director | Aug 26 '26 | Proposed Sale | 332.74 | 375 | 124,776 | Aug 26 09:50 AM | |
| Leonard Daniel J | Director | Aug 19 '26 | Buy | 34.59 | 125 | 4,324 | 62,537 | Aug 20 07:09 PM |
| HOLDER H RANDOLPH JR | Director | Aug 17 '26 | Buy | 33.75 | 115 | 3,881 | 152,991 | Aug 18 04:47 PM |
| Barton Don | Director | Jul 27 '26 | Sale | 32.72 | 375 | 12,270 | 29,975 | Jul 27 07:15 PM |
| Strong Gary | Director | Jul 27 '26 | Buy | 32.50 | 2,000 | 65,000 | 14,842 | Jul 27 07:03 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| IWM | iShares Russell 2000 Index Fund | AUM: 77.38B |
| AVUV | Avantis U.S. Small Cap Value ETF | AUM: 32.39B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| IWN | iShares Russell 2000 Value ETF | AUM: 14.10B |
| DFAS | U.S. Small Cap Portfolio-ETF Class Shares | AUM: 15.51B |
| VTWO | Vanguard Russell 2000 Index ETF | AUM: 16.75B |
| DFAT | U.S. Targeted Value Portfolio-ETF Class Shares | AUM: 14.47B |
| FDM | First Trust Dow Jones Select Microcap Index Fund | AUM: 267.52M |
| DFAC | U.S. Core Equity 2 Portfolio-ETF Class Shares | AUM: 49.14B |
News
latest 14 of 200- Oak Valley Bancorp: Q3 Earnings Snapshot (Associated Press)
- Oak Valley Bancorp Reports 3rd Quarter Results (GlobeNewswire)
- Oak Valley Bancorp's Dividend Analysis (GuruFocus.com)
- Oak Valley Bancorp: Q2 Earnings Snapshot (Associated Press)
- Oak Valley Bancorp Reports 2nd Quarter Results and Announces Cash Dividend (GlobeNewswire)
- Oak Valley Community Bank Announces Commercial Banking Officer Hiring (GlobeNewswire)
- Oak Valley Community Bank Announces Commercial Banking Officer Hiring (GlobeNewswire)
- Oak Valley Bancorp: Q1 Earnings Snapshot (Associated Press)
- Oak Valley Bancorp Reports 1st Quarter Results (GlobeNewswire)
- Oak Valley Community Bank Named One of Central Valley's Best Places to Work (GlobeNewswire)
- Oak Valley Community Bank Welcomes Nathan Dellinger as Senior Vice President, Credit Administrator (GlobeNewswire)
- Oak Valley Community Bank Welcomes Pete Centeno as Vice President, Branch Manager of Ripon Branch (GlobeNewswire)
- Asset Growth Drives Oak Valley Bancorp's Solid Q4 Earnings (Zacks)
- Oak Valley Bancorp and Oak Valley Community Bank Chief Executive Officer to Retire (GlobeNewswire)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q1 | 2026-04-23 | - | - | 0.638 | - | - | - |
| 2025Q4 | 2026-01-26 | - | - | 0.763 | - | - | - |
| 2025Q3 | 2025-10-23 | - | - | 0.807 | - | - | - |
| 2025Q2 | 2025-07-21 | - | - | 0.675 | - | - | - |
| 2025Q1 | 2025-04-21 | - | - | 0.640 | - | - | - |
| 2024Q4 | 2025-01-27 | - | - | 0.726 | - | - | - |
| 2024Q3 | 2024-10-21 | - | - | 0.886 | - | - | - |
| 2024Q2 | 2024-07-19 | - | - | 0.714 | - | - | - |
| 2024Q1 | 2024-04-22 | - | - | 0.695 | - | - | - |
| 2023Q4 | 2024-01-24 | - | - | 0.712 | - | - | - |
| 2023Q3 | 2023-10-20 | - | - | 0.893 | - | - | - |
| 2023Q2 | 2023-07-24 | - | - | 1.022 | - | - | - |
| 2023Q1 | 2023-04-21 | - | - | 1.121 | - | - | - |
| 2022Q4 | 2023-01-23 | - | - | 1.154 | - | - | - |
| 2022Q3 | 2022-10-21 | - | - | 0.829 | - | - | - |
| 2022Q2 | 2022-07-22 | - | - | 0.519 | - | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| No annual earnings. | |||||
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 1.125 | 1.424 | 1.539 | 1.682 | 1.998 | 2.791 | 3.748 | 3.021 | 2.884 | 2.7871 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | 0.886 | 0.726 | 0.64 | 0.675 | 0.807 | 0.763 | 0.638 | 0.614 | 0.773 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Sales, annual | 41.221 | 44.976 | 47.548 | 50.877 | 55.133 | 66.291 | 87.338 | 89.523 | 94.903 | 98.42 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 23.052 | 23.157 | 22.67 | 23.12 | 24.447 | 24.667 | 24.199 | 24.172 | 25.387 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Shares, annual | 8.099 | 8.195 | 8.21 | 8.219 | 8.239 | 8.258 | 8.293 | 8.357 | 8.388 | 8.42 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 8.359 | 8.357 | 8.382 | 8.382 | 8.391 | 8.388 | 8.413 | 8.413 | 8.42 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 90.94 | 87.92 | 82.89 | 80.67 | 61.20 | 49.81 | 46.11 | 42.60 | 40.17 |
| Total Interest Expense | 13.91 | 13.31 | 12.86 | 4.86 | 1.12 | 0.97 | 1.15 | 1.57 | 1.61 |
| Net Interest Income | 77.03 | 74.61 | 70.03 | 75.80 | 60.08 | 48.84 | 44.96 | 41.03 | 38.57 |
| Loan Loss Provision | 1.39 | 0.81 | -1.62 | 0.97 | -1.35 | -0.64 | 2.17 | 0.55 | 0.56 |
| Net Interest Income After Loan Loss Provision | 75.64 | 73.81 | 71.65 | 74.83 | 61.43 | 49.47 | 42.79 | 40.49 | 38.01 |
| Non-Interest Income | 7.49 | 6.98 | 6.63 | 6.67 | 5.10 | 5.33 | 4.77 | 4.95 | 4.80 |
| Non-Interest Expense | 53.54 | 50.14 | 46.09 | 41.20 | 36.83 | 33.12 | 29.82 | 28.75 | 27.47 |
| Operating Income | 29.58 | 30.65 | 32.19 | 40.31 | 29.69 | 21.68 | 17.74 | 16.69 | 15.35 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 29.58 | 30.65 | 32.19 | 40.31 | 29.69 | 21.68 | 17.74 | 16.69 | 15.35 |
| Income Taxes | 6.38 | 6.74 | 7.24 | 9.46 | 6.79 | 5.34 | 4.06 | 4.20 | 3.81 |
| Consolidated Net Income | 23.21 | 23.91 | 24.95 | 30.85 | 22.90 | 16.34 | 13.69 | 12.49 | 11.54 |
| Net Income From Continuing Operations | 23.21 | 23.91 | 24.95 | 30.85 | 22.90 | 16.34 | 13.69 | 12.49 | 11.54 |
| Net Income | 23.21 | 23.91 | 24.95 | 30.85 | 22.90 | 16.34 | 13.69 | 12.49 | 11.54 |
| EPS (Recurring) | 2.78 | 2.88 | 3.02 | 3.75 | 2.79 | 2.00 | 1.68 | 1.54 | 1.42 |
| EPS (Basic, Before Extraordinaries) | 2.81 | 2.90 | 3.04 | 3.76 | 2.80 | 2.01 | 1.68 | 1.54 | 1.43 |
| EPS (Diluted) | 2.79 | 2.88 | 3.02 | 3.75 | 2.79 | 2.00 | 1.68 | 1.54 | 1.42 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 1.13 | 0.71 | 0.67 | 0.42 | 0.00 | 0.42 | 0.40 | 0.40 | 0.34 |
| Price To Earnings Ratio | 12.42 | 12.42 | 9.73 | 7.15 | 10.99 | 8.71 | 9.89 | 12.65 | 12.85 |
| Price To Sales Ratio | 2.86 | 2.63 | 2.70 | 2.82 | 2.80 | 2.58 | 2.66 | 3.32 | 3.30 |
| Operating Margin | 30.06 | 32.30 | 35.96 | 46.15 | 44.79 | 39.32 | 34.87 | 35.10 | 34.12 |
| Net Margin | 23.58 | 25.20 | 27.87 | 35.32 | 34.55 | 29.63 | 26.90 | 26.27 | 25.65 |
| Shares Outstanding | 8.42 | 8.39 | 8.36 | 8.29 | 8.26 | 8.24 | 8.22 | 8.21 | 8.19 |
| Market Capitalization | 291.50 | 291.50 | 244.49 | 248.38 | 187.06 | 143.36 | 136.60 | 159.79 | 149.93 |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 23.35 | 22.49 | 22.23 | 22.87 | 22.52 | 21.42 | 21.12 | 21.51 |
| Total Interest Expense | 3.55 | 3.54 | 3.40 | 3.41 | 3.32 | 3.27 | 3.31 | 3.67 |
| Net Interest Income | 19.80 | 18.94 | 18.82 | 19.46 | 19.20 | 18.15 | 17.81 | 17.85 |
| Loan Loss Provision | 0.04 | 0.02 | 0.46 | 0.86 | -0.06 | - | - | 0.00 |
| Net Interest Income After Loan Loss Provision | 19.76 | 18.92 | 18.36 | 18.59 | 19.26 | - | - | 17.85 |
| Non-Interest Income | 2.03 | 1.68 | 1.97 | 1.80 | 1.93 | 1.70 | 1.55 | 1.65 |
| Non-Interest Expense | 13.60 | 14.18 | 13.53 | 12.24 | 12.66 | 12.68 | 12.56 | 11.76 |
| Operating Income | 8.19 | 6.43 | 6.81 | 8.15 | 8.53 | 7.17 | 6.80 | 7.73 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 8.19 | 6.43 | 6.81 | 8.15 | 8.53 | 7.17 | 6.80 | 7.73 |
| Income Taxes | 1.74 | 1.32 | 1.50 | 1.82 | 1.84 | 1.58 | 1.50 | 1.72 |
| Consolidated Net Income | 6.45 | 5.11 | 5.31 | 6.33 | 6.69 | 5.59 | 5.30 | 6.01 |
| Net Income From Continuing Operations | 6.45 | 5.11 | 5.31 | 6.33 | 6.69 | 5.59 | 5.30 | 6.01 |
| Net Income | 6.45 | 5.11 | 5.31 | 6.33 | 6.69 | 5.59 | 5.30 | 6.01 |
| EPS (Recurring) | 0.77 | 0.61 | 0.64 | 0.76 | 0.81 | 0.67 | 0.64 | 0.73 |
| EPS (Basic, Before Extraordinaries) | 0.78 | 0.62 | 0.64 | 0.77 | 0.81 | 0.68 | 0.64 | 0.73 |
| EPS (Diluted) | 0.77 | 0.61 | 0.64 | 0.76 | 0.81 | 0.67 | 0.64 | 0.73 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 0.19 | 0.55 | 0.20 | 0.19 | 0.18 | 0.18 | 0.16 | 0.16 |
| Price To Earnings Ratio | 12.42 | 11.71 | 11.25 | 10.56 | 9.63 | 9.18 | 8.26 | 9.73 |
| Price To Sales Ratio | 2.86 | 2.88 | 2.80 | 2.63 | 2.50 | 2.45 | 2.27 | 2.70 |
| Operating Margin | 32.26 | 26.61 | 28.13 | 33.06 | 34.89 | 31.01 | 29.98 | 33.37 |
| Net Margin | 25.41 | 21.16 | 21.94 | 25.68 | 27.38 | 24.17 | 23.37 | 25.94 |
| Shares Outstanding | 8.42 | 8.41 | 8.41 | 8.39 | 8.39 | 8.38 | 8.38 | 8.36 |
| Market Capitalization | 291.50 | 283.91 | 272.85 | 252.15 | 236.12 | 228.33 | 208.63 | 244.49 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 203.10 | 138.48 | 180.07 | 415.80 | 735.33 | 193.57 | 133.81 | 116.42 | 142.97 |
| Investments | 583.10 | 566.22 | 563.67 | 549.49 | 314.71 | 258.43 | 211.93 | 223.90 | 192.70 |
| Net Loans | 1,129.61 | 1,093.51 | 1,004.28 | 905.03 | 847.85 | 997.25 | 741.05 | 702.22 | 652.99 |
| Investment in Unconsolidated Affiliates | 16.03 | 12.42 | 13.68 | 14.58 | 4.36 | 4.69 | 5.12 | 5.48 | 0.27 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | - | - | - | - | - | - | - | 0.00 | 0.25 |
| Net Property, Plant & Equipment | 26.29 | 22.98 | 22.72 | 23.05 | 21.96 | 20.36 | 19.54 | 14.94 | 14.48 |
| Interest Receivables | 8.88 | 8.56 | 8.39 | 7.93 | 4.06 | 5.69 | 3.46 | 3.75 | 3.17 |
| Deferred Tax Assets | 17.17 | 18.92 | 14.59 | 18.62 | 6.02 | 5.88 | 5.04 | 4.90 | 4.20 |
| Other Intangible Assets | 42.54 | 42.93 | 36.38 | 35.31 | 34.09 | 30.14 | 29.77 | 24.11 | 25.39 |
| Total Assets | 2,026.70 | 1,904.02 | 1,843.77 | 1,969.83 | 1,968.37 | 1,516.00 | 1,149.71 | 1,095.72 | 1,036.41 |
| Total Deposits | 1,792.96 | 1,695.69 | 1,650.53 | 1,814.30 | 1,806.97 | 1,367.81 | 1,019.93 | 986.50 | 938.88 |
| Total Debt | 7.62 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Long Term Debt | 5.99 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Provision for Risks Charges | 11.73 | 6.62 | 6.42 | 5.96 | 5.54 | 4.87 | 4.41 | 3.81 | 3.35 |
| Deferred Tax Liabilities | 3.59 | 3.42 | 1.35 | 1.49 | 3.89 | 4.52 | 1.93 | 0.83 | 1.55 |
| Other Liabilities | 2.83 | 14.86 | 19.38 | 21.46 | 9.36 | 9.11 | 10.88 | 5.55 | 1.85 |
| Total Liabilities | 1,818.73 | 1,720.59 | 1,677.68 | 1,843.21 | 1,825.76 | 1,386.30 | 1,037.14 | 996.68 | 945.64 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 207.97 | 183.44 | 166.09 | 126.63 | 142.61 | 129.69 | 112.57 | 99.04 | 90.77 |
| Total Shareholders Equity | 207.97 | 183.44 | 166.09 | 126.63 | 142.61 | 129.69 | 112.57 | 99.04 | 90.77 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 207.97 | 183.44 | 166.09 | 126.63 | 142.61 | 129.69 | 112.57 | 99.04 | 90.77 |
| Total Liabilities & Stockholders Equity | 2,026.70 | 1,904.02 | 1,843.77 | 1,969.83 | 1,968.37 | 1,516.00 | 1,149.71 | 1,095.72 | 1,036.41 |
| Book Value Per Share | 24.79 | 21.95 | 20.03 | 15.33 | 17.31 | 15.78 | 13.71 | 12.09 | 11.21 |
| Tangible Book Value Per Share | 24.40 | 21.54 | 19.61 | 14.90 | 16.87 | 15.32 | 13.24 | 11.60 | 10.71 |
| Tier 1 Capital | 222.96 | 203.75 | 181.78 | 153.80 | 132.78 | 118.26 | 106.34 | 95.53 | 85.88 |
| Tier 2 Capital | 13.06 | 11.81 | 11.51 | 10.01 | 11.21 | 11.68 | 9.57 | 9.08 | 8.47 |
| Full-Time Employees | 245 | 231 | 230 | 207 | 216 | 191 | 192 | 186 | 175 |
| Price to Book Ratio | 1.53 | 1.32 | 1.84 | 1.76 | 1.01 | 1.05 | 1.42 | 1.51 | 1.76 |
| Return on Assets | 1.22 | 1.33 | 1.62 | 1.16 | 0.94 | 1.03 | 1.11 | 1.08 | 0.89 |
| Return on Equity | 12.22 | 14.28 | 21.08 | 17.01 | 12.00 | 11.30 | 11.80 | 12.16 | 10.50 |
| Return on Invested Capital | 11.18 | 13.60 | 18.57 | 18.09 | 11.46 | 10.55 | 11.09 | 11.65 | 10.02 |
| Current Ratio | 0.14 | 0.11 | 0.15 | 0.27 | 0.49 | 0.19 | 0.16 | 0.14 | 0.18 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | 29.02 | 28.36 | 22.91 | 34.47 | 23.69 | 14.16 | 20.72 | 14.40 | 12.82 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | -0.01 | 0.31 | 2.72 | -1.41 | -0.37 | -2.89 | -1.48 | 2.81 | 0.21 |
| Cash from Operating Activities | 29.01 | 28.67 | 25.64 | 33.06 | 23.32 | 11.27 | 19.24 | 17.21 | 13.03 |
| Capital Expenditures | -3.26 | -4.11 | -6.78 | -2.39 | -1.19 | -4.40 | -1.74 | -6.38 | -1.65 |
| Net Assets From Acquisitions | 0.00 | 0.00 | -4.12 | -0.37 | -1.24 | -0.53 | -1.57 | -0.59 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | -28.53 | -16.90 | -15.70 | 24.69 | -318.36 | -43.81 | -20.05 | 19.69 | -30.30 |
| Purchase of Investments | -91.17 | -65.58 | -104.24 | -40.76 | -358.92 | -79.93 | -68.76 | -26.27 | -51.78 |
| Sale Or Maturity of Investments | 62.64 | 48.68 | 88.53 | 65.45 | 40.56 | 36.12 | 48.70 | 45.97 | 21.48 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | -0.02 | 1.85 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -77.51 | -57.20 | -114.70 | -79.50 | -376.69 | 103.68 | -285.65 | -26.86 | -81.56 |
| Cash Dividends Paid | -6.30 | -5.02 | -3.75 | -2.65 | -2.47 | -2.39 | -2.30 | -2.21 | -2.12 |
| Change in Capital Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 |
| Repurchase of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | -0.39 | -0.28 | -0.16 | -0.21 | -0.12 | -0.11 | -0.11 | -0.13 | 0.00 |
| Other Financing Activities Uses | -0.39 | -0.28 | -0.16 | -0.21 | -0.12 | -0.11 | -0.11 | -0.13 | 0.00 |
| Cash from Financing Activities | -18.99 | 91.97 | 41.25 | -166.62 | 4.74 | 436.66 | 345.47 | 31.10 | 45.50 |
| Net Change in Cash | -67.49 | 63.43 | -47.82 | -213.06 | -348.63 | 551.61 | 79.06 | 21.45 | -23.03 |
| Free Cash Flow | 27.75 | 24.56 | 23.86 | 31.16 | 22.13 | 10.29 | 17.50 | 15.83 | 11.39 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow | 13.11 | 12.76 | 12.01 | 8.64 | 9.45 | 18.00 | 8.90 | 11.60 | 15.99 |
| Federal Home Loan Advances Increase (Decrease) | - | -0.78 | -0.33 | -0.72 | -0.26 | -0.73 | 0.00 | -0.40 | -0.22 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 127.98 | 144.78 | 155.55 | 203.10 | 225.47 | 153.04 |
| Investments | 576.01 | 585.32 | 604.53 | 583.10 | 555.71 | 552.46 |
| Net Loans | 1,141.03 | 1,152.58 | 1,132.71 | 1,129.61 | 1,099.58 | 1,096.55 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 16.03 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 18.56 | 18.71 | 18.87 | 26.29 | 18.88 | 18.42 |
| Interest Receivables | 8.89 | 9.09 | 8.47 | 8.88 | 8.62 | 8.59 |
| Deferred Tax Assets | 25.43 | 13.10 | 15.23 | 17.17 | 14.70 | 18.11 |
| Other Intangible Assets | 75.70 | 75.43 | 74.93 | 42.54 | 72.46 | 73.75 |
| Total Assets | 1,976.17 | 2,001.58 | 2,010.30 | 2,026.70 | 1,995.42 | 1,920.91 |
| Total Deposits | 1,762.58 | 1,763.55 | 1,781.00 | 1,792.96 | 1,774.88 | 1,711.24 |
| Total Debt | 0.00 | 0.00 | 0.00 | 7.62 | 0.00 | 0.00 |
| Long Term Debt | 0.00 | 0.00 | 0.00 | 5.99 | 0.00 | 0.00 |
| Provision for Risks Charges | 0.66 | 0.61 | 0.61 | 11.73 | 0.81 | 0.86 |
| Deferred Tax Liabilities | - | - | - | 3.59 | - | - |
| Other Liabilities | 21.84 | 20.38 | 22.54 | 2.83 | 21.45 | 23.00 |
| Total Liabilities | 1,785.08 | 1,784.54 | 1,804.14 | 1,818.73 | 1,797.14 | 1,735.10 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 191.10 | 217.03 | 206.15 | 207.97 | 198.28 | 185.81 |
| Total Shareholders Equity | 191.10 | 217.03 | 206.15 | 207.97 | 198.28 | 185.81 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 191.10 | 217.03 | 206.15 | 207.97 | 198.28 | 185.81 |
| Total Liabilities & Stockholders Equity | 1,976.17 | 2,001.58 | 2,010.30 | 2,026.70 | 1,995.42 | 1,920.91 |
| Book Value Per Share | 22.70 | 25.80 | 24.50 | 24.79 | 23.63 | 22.17 |
| Tangible Book Value Per Share | 22.30 | 25.40 | 24.11 | 24.40 | 23.23 | 21.77 |
| Tier 1 Capital | 233.69 | 230.18 | 224.62 | - | 216.74 | 212.36 |
| Tier 2 Capital | 11.87 | 11.79 | - | 13.06 | 12.22 | 12.29 |
| Full-Time Employees | - | - | - | 245 | - | - |
| Price to Book Ratio | 1.53 | 1.38 | 1.31 | 1.27 | 1.27 | 1.24 |
| Return on Assets | 1.17 | 1.20 | 1.22 | 1.22 | 1.21 | 1.29 |
| Return on Equity | 11.92 | 11.64 | 12.28 | 12.22 | 12.29 | 13.54 |
| Return on Invested Capital | 3.38 | 2.36 | 2.58 | 2.96 | 3.38 | 3.01 |
| Current Ratio | 0.12 | 0.13 | 0.13 | 0.14 | 0.15 | 0.13 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | 6.52 | 6.65 | 6.18 | 9.67 | 6.77 | 6.51 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 2.84 | -3.04 | 1.88 | -1.69 | 0.37 | -0.92 |
| Cash from Operating Activities | 9.36 | 3.61 | 8.06 | 7.98 | 7.14 | 5.58 |
| Capital Expenditures | -0.27 | -0.23 | -2.21 | -0.56 | -0.79 | -1.58 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | -31.69 | 30.15 | -17.54 | -9.45 | -18.09 | 8.02 |
| Purchase of Investments | -36.58 | -0.03 | -29.91 | -24.65 | -37.63 | -2.10 |
| Sale Or Maturity of Investments | 4.89 | 30.19 | 12.36 | 15.20 | 19.54 | 10.11 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | -0.02 | 1.88 | 0.00 |
| Cash from Investing Activities | -20.29 | 7.03 | -23.21 | -41.03 | -19.93 | -13.67 |
| Cash Dividends Paid | -3.15 | 0.00 | -3.15 | 0.00 | -2.52 | 0.00 |
| Preferred Dividends (Cash Flow) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Repurchase of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | -0.08 | 0.00 | -0.31 | 0.00 | -0.04 | 0.00 |
| Other Financing Activities Uses | -0.08 | 0.00 | -0.31 | 0.00 | -0.04 | 0.00 |
| Cash from Financing Activities | -4.20 | -17.45 | -15.42 | 18.08 | 61.08 | -2.35 |
| Net Change in Cash | -15.13 | -6.80 | -30.58 | -14.98 | 48.30 | -10.44 |
| Free Cash Flow | 9.10 | 3.38 | 7.84 | 7.42 | 6.35 | 4.00 |
| Price to Free Cash Flow | 13.11 | 14.54 | 13.53 | 12.78 | 15.08 | 12.18 |
Revenue breakdown
| State Commercial Banks | 2024: 76.59M 2025: 81.73M |
|---|---|
| United States | 2024: 76.59M 2025: 81.73M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 0.91% | 0.1M | 7.0M | 20.07K |
| 2026-10-15 | 1.07% | 0.1M | 7.0M | 23.55K |
| 2026-09-30 | 1.13% | 0.1M | 7.0M | 24.95K |
| 2026-09-15 | 1.26% | 0.1M | 7.0M | 32.18K |
| 2026-08-31 | 1.30% | 0.1M | 7.0M | 42.26K |
| 2026-08-14 | 1.37% | 0.1M | 7.0M | 47.97K |
| 2026-07-31 | 1.34% | 0.1M | 7.0M | 48.05K |
| 2026-07-15 | 1.63% | 0.1M | 7.0M | 48.73K |
| 2026-06-30 | 1.43% | 0.1M | 7.0M | 50.04K |
| 2026-06-15 | 0.80% | 0.1M | 7.0M | 43.59K |
| 2026-05-29 | 0.75% | 0.1M | 7.0M | 33.35K |
| 2026-05-15 | 0.72% | 0.1M | 7.0M | 26.23K |
| 2026-04-30 | 0.74% | 0.1M | 6.9M | 25.51K |
| 2026-04-15 | 0.56% | 0.0M | 6.9M | 22.17K |
| 2026-03-31 | 0.72% | 0.0M | 6.9M | 18.76K |
| 2026-03-13 | 0.70% | 0.0M | 6.9M | 16.52K |
| 2026-02-27 | 0.50% | 0.0M | 6.9M | 15.97K |
| 2026-02-13 | 0.45% | 0.0M | 6.9M | 14.51K |
| 2026-01-30 | 0.47% | 0.0M | 6.9M | 12.40K |
| 2026-01-15 | 0.53% | 0.0M | 6.9M | 11.58K |
Option chain
expiry 2026-11-12| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-10 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-09-30 | SEC |
| 2026-10-29 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-28 | SEC |
| 2026-10-26 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-10-26 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-26 | SEC |
| 2026-10-23 | 8-K | Current report | 2026-10-21 | SEC |
| 2026-09-29 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-28 | SEC |
| 2026-09-28 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-09-28 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-28 | SEC |
| 2026-09-03 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-26 | SEC |
| 2026-08-31 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-28 | SEC |
| 2026-08-28 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-26 | SEC |
| 2026-08-26 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-08-20 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-19 | SEC |
| 2026-08-18 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-17 | SEC |
| 2026-08-14 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-07-30 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-29 | SEC |
| 2026-07-29 | SCHEDULE 13G | SEC | ||
| 2026-07-27 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-07-27 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-27 | SEC |
| 2026-07-27 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-27 | SEC |
| 2026-07-23 | 8-K | Current report | 2026-07-22 | SEC |
| 2026-06-30 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-20 | SEC |
| 2026-06-26 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-06-26 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-26 | SEC |
| 2026-06-17 | 8-K | Current report | 2026-06-16 | SEC |
| 2026-05-29 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-28 | SEC |
| 2026-05-26 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-05-26 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-26 | SEC |
| 2026-05-12 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-12 | SEC |
| 2026-05-12 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 4.30K | 1 | 12.75K | 1 |
| 2026-09 | 4.25K | 1 | 12.76K | 1 |
| 2026-08 | 56.84K | 4 | 12.78K | 1 |
| 2026-07 | 65.00K | 1 | 12.27K | 1 |
| 2026-06 | 0 | 0 | 12.47K | 1 |
| 2026-05 | 15.38K | 3 | 12.66K | 1 |
| 2026-04 | 12.38K | 1 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 34.79K | 3 | 0 | 0 |
| 2026-01 | 0 | 0 | 11.34K | 1 |
| 2025-12 | 0 | 0 | 11.36K | 1 |
| 2025-11 | 13.93K | 1 | 10.76K | 1 |
Institutional holders
| Manager | % owned |
|---|---|
| BlackRock, Inc. | 6.08% |
| VANGUARD CAPITAL MANAGEMENT LLC | 3.52% |
| Siena Capital Partners GP, LLC | 2.44% |
| DIMENSIONAL FUND ADVISORS LP | 2.39% |
| GEODE CAPITAL MANAGEMENT, LLC | 2.10% |
| Cresset Asset Management, LLC | 1.67% |
| STATE STREET CORP | 1.55% |
| Southland Equity Partners LLC | 1.53% |
| AMERICAN CENTURY COMPANIES INC | 1.18% |
| RENAISSANCE TECHNOLOGIES LLC | 0.88% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.54% |
| iShares Russell 2000 ETF | 2.35% |
| Avantis U.S. Small Cap Value ETF | 1.50% |
| iShares Russell 2000 Value ETF | 0.94% |
| Fidelity Small Cap Index Fund | 0.91% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.90% |
| VANGUARD RUSSELL 2000 INDEX FUND | 0.49% |
| Ultra-Small Company Fund | 0.42% |
| Fidelity Extended Market Index Fund | 0.38% |
| Dimensional U.S. Small Cap ETF | 0.34% |
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