OVLY Oak Valley Bancorp (CA) - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 14, 2026
$34.09
· of 52w range
· above low
· to high
$25.4152w low
$35.9752w high
Market Cap (MRQ)
$287M
P/E
11.8
EPS
$2.88
your badges
52W Range
$25–$36
Analyst Rating
·
Price Target
·
P/E
11.8
ROE
12.2%
Net Profit Margin
29.3%
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OVLY Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$34.09
Market Cap (MRQ)
$287M
P/E
11.8
EPS
$2.88
Div Yield
1.8%
ROE
12.2%
52W Range
$25–$36
OVLY Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| Jan. 17, 2006 | 3-for-2 | Forward |
| Jan. 14, 2005 | 3-for-2 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
EPS$2.882016-12-31 → 2025-12-31
Free Cash Flow$25M2016-12-31 → 2025-12-31
Net margin29.3%2016-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | OVLY | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 11.85Y avg ≈9.0 | ≈9.0 | 11.4 | Overvalued | |
| P/S | 3.55Y avg ≈3.0 | ≈3.0 | 3.0 | Overvalued | |
| P/B (MRQ) | 1.35Y avg ≈1.4 | ≈1.4 | 1.2 | Overvalued | |
| Price / FCF (TTM) | 11.55Y avg ≈9.2 | ≈9.2 | · | · | |
| Price / Cash Flow (TTM) | 10.75Y avg ≈8.5 | ≈8.5 | 10.2 | Undervalued | |
| Price / Tangible Book | 1.45Y avg ≈1.3 | ≈1.3 | · | · | |
| PEG Ratio | ≈1.0 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | OVLY | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | 37.5%5Y avg ≈43.4% | ≈43.4% | 31.2% | In line | |
| Net Profit Margin | 29.3%5Y avg ≈33.5% | ≈33.5% | 24.8% | In line | |
| ROA | 1.2%5Y avg ≈1.3% | ≈1.3% | 0.96% | Top tier | |
| ROE | 12.2%5Y avg ≈16.5% | ≈16.5% | 9.5% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | OVLY | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 6.7%5Y avg ≈11.0% | ≈11.0% | · | · | |
| Revenue CAGR 3Y | 7.6%5Y avg ≈12.7% | ≈12.7% | · | · | |
| Revenue CAGR 5Y | 10.4% | · | · | · | |
| EPS YoY | -4.6%5Y avg ≈13.8% | ≈13.8% | · | · | |
| Net Income YoY | -4.2%5Y avg ≈14.2% | ≈14.2% | · | · | |
| EPS CAGR 3Y | 1.1%5Y avg ≈15.5% | ≈15.5% | · | · | |
| EPS CAGR 5Y | 11.4% | · | · | · | |
| Net Income CAGR 3Y | 1.5%5Y avg ≈15.9% | ≈15.9% | · | · | |
| Net Income CAGR 5Y | 11.8% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | OVLY | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Top tier |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield1.8%
Payout Ratio21.0%
Annualized Payout≈$0.75
5Y Div CAGR≈16.5%
Growth Streak≈10
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Aug 3, 2026 | $0.38 | USD | ≈2.2% |
| Feb 2, 2026 | $0.38 | USD | ≈2.1% |
| Jul 28, 2025 | $0.30 | USD | ≈2.2% |
| Feb 3, 2025 | $0.30 | USD | ≈2.1% |
| Jul 29, 2024 | $0.23 | USD | ≈1.7% |
| Jan 26, 2024 | $0.23 | USD | ≈1.4% |
| Jul 28, 2023 | $0.16 | USD | ≈1.2% |
| Jan 27, 2023 | $0.16 | USD | ≈1.2% |
| Jul 29, 2022 | $0.15 | USD | ≈1.7% |
| Jan 28, 2022 | $0.15 | USD | ≈1.7% |
| Jul 30, 2021 | $0.15 | USD | ≈1.7% |
| Jan 29, 2021 | $0.15 | USD | ≈1.8% |
| Jul 31, 2020 | $0.14 | USD | ≈2.2% |
| Jan 31, 2020 | $0.14 | USD | ≈1.5% |
| Jul 26, 2019 | $0.14 | USD | ≈1.4% |
| Jan 25, 2019 | $0.14 | USD | ≈1.5% |
| Jul 27, 2018 | $0.13 | USD | ≈1.2% |
| Jan 26, 2018 | $0.13 | USD | ≈1.2% |
| Jul 27, 2017 | $0.13 | USD | ≈1.6% |
| Jan 26, 2017 | $0.13 | USD | ≈1.7% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Next Report
Oct 15, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| Sept. 30, 2023 | $0.89 | — | — | |
| March 31, 2023 | $1.12 | — | — | |
| Dec. 31, 2022 | $1.15 | — | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $5M | $1M | $971.0K | $1M | $2M | $2M | $1M | $764.0K | $615.0K | $647.0K | |
| Interest Income | $88M | $83M | $81M | $61M | $50M | $46M | $43M | $40M | $35M | $32M | $26M | $26M | |
| Pretax Income | $31M | $32M | $40M | $30M | $22M | $18M | $17M | $15M | $15M | $11M | $7M | $11M | |
| Income Tax | $7M | $7M | $9M | $7M | $5M | $4M | $4M | $4M | $6M | $3M | $2M | $4M | |
| Net Income | $24M | $25M | $31M | $23M | $16M | $14M | $12M | $12M | $9M | $8M | $5M | $7M | |
| EPS (Basic) | $2.90 | $3.04 | $3.76 | $2.80 | $2.01 | $1.68 | $1.54 | $1.43 | $1.13 | $0.95 | $0.61 | $0.90 | |
| EPS (Diluted) | $2.88 | $3.02 | $3.75 | $2.79 | $2.00 | $1.68 | $1.54 | $1.42 | $1.13 | $0.95 | $0.61 | $0.89 | |
| Shares (Basic) | 8,243,285 | 8,218,846 | 8,193,874 | 8,169,078 | 8,145,028 | 8,123,386 | 8,102,442 | 8,081,482 | 8,060,686 | 8,047,046 | 7,989,088 | 7,938,052 | |
| Shares (Diluted) | 8,291,901 | 8,258,857 | 8,230,892 | 8,204,769 | 8,178,740 | 8,138,528 | 8,116,627 | 8,100,098 | 8,081,497 | 8,082,657 | 8,036,845 | 7,992,731 |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $232M | $169M | $217M | $430M | $778M | $227M | $148M | $126M | $149M | $191M | $191M | $144M | |
| PP&E (Net) | $19M | $16M | $16M | $15M | $15M | $16M | $15M | $15M | $14M | $14M | $14M | $14M | |
| PP&E (Gross) | $34M | $30M | $28M | $26M | $25M | $31M | $30M | $29M | $27M | $26M | $25M | $24M | |
| Accum. Depreciation | $15M | $13M | $12M | $11M | $10M | $15M | $15M | $14M | $13M | $12M | $11M | $10M | |
| Goodwill | $3M | $3M | $3M | $3M | $3M | $3M | $3M | · | $3M | $3M | $3M | $0 | |
| Total Assets | $2.02B | $1.90B | $1.84B | $1.97B | $1.96B | $1.51B | $1.15B | $1.09B | $1.03B | $1.00B | $897M | $750M | |
| Total Liabilities | $1.82B | $1.72B | $1.68B | $1.84B | $1.82B | $1.38B | $1.04B | $996M | $944M | $920M | $819M | $675M | |
| Common Stock | $25M | $25M | $25M | $25M | $25M | $25M | $25M | $25M | $25M | $25M | $25M | $25M | |
| Retained Earnings | $194M | $176M | $154M | $127M | $106M | $92M | $81M | $71M | $61M | $55M | $49M | $46M | |
| AOCI | $-19M | $-24M | $-19M | $-31M | $6M | $8M | $2M | $-435.0K | $989.0K | $-225.0K | $2M | $2M | |
| Stockholders' Equity | $208M | $183M | $166M | $127M | $143M | $130M | $113M | $99M | $91M | $82M | $78M | $75M | |
| Liabilities + Equity | $2.02B | $1.90B | $1.84B | $1.97B | $1.96B | $1.51B | $1.15B | $1.09B | $1.03B | $1.00B | $897M | $750M | |
| Shares Outstanding | 8,388,221 | 8,357,211 | 8,293,168 | 8,257,894 | 8,239,099 | 8,218,873 | 8,210,147 | 8,194,805 | 8,098,605 | 8,088,455 | 8,078,155 | 8,074,855 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $904.0K | $845.0K | $533.0K | $622.0K | $581.0K | $549.0K | $549.0K | $431.0K | $103.0K | $256.0K | $261.0K | $271.0K | |
| Deferred Tax | $2M | $-2M | $706.0K | $-489.0K | $134.0K | $-479.0K | $-229.0K | $-828.0K | $2M | $-687.0K | $35.0K | $-187.0K | |
| Operating Cash Flow | $29M | $26M | $33M | $23M | $11M | $19M | $17M | $14M | $9M | $10M | $4M | $7M | |
| CapEx | $4M | $2M | $2M | $1M | $978.0K | $2M | $1M | $2M | $2M | $663.0K | $1M | $2M | |
| Investing Cash Flow | $-57M | $-115M | $-80M | $-376M | $104M | $-286M | $-27M | $-83M | $-74M | $-107M | · | · | |
| Dividends Paid | $5M | $4M | $3M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $1M | |
| Financing Cash Flow | $92M | $41M | $-167M | $5M | $437M | $345M | $31M | $46M | $23M | $97M | · | · | |
| Net Change in Cash | $63M | $-48M | $-213M | $-349M | $552M | $79M | $21M | $-23M | $-42M | $207.0K | $46M | $39M | |
| Taxes Paid | $5M | $6M | $10M | $4M | $6M | $4M | $4M | $4M | $6M | $2M | $4M | $3M | |
| Free Cash Flow | $25M | $24M | $31M | $22M | · | $18M | $16M | · | $7M | $9M | $3M | $6M | |
| Levered FCF | · | · | $27M | $21M | · | $17M | $15M | · | $7M | $9M | $2M | $5M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 29.3% | 32.6% | 37.4% | 34.9% | · | 27.5% | 27.1% | · | 22.7% | 21.3% | 16.6% | 24.5% | |
| Pretax Margin | 37.5% | 42.0% | 48.9% | 45.2% | · | 35.6% | 36.2% | · | 38.0% | 31.0% | 23.6% | 36.8% | |
| ROA | 1.2% | 1.3% | 1.6% | 1.2% | · | 1.0% | 1.1% | · | 0.89% | 0.81% | 0.60% | 1.0% | |
| ROE | 12.2% | 13.5% | 20.5% | 19.7% | · | 10.8% | 11.3% | · | 10.5% | 9.5% | 6.4% | 10.2% |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $24.79 | $21.95 | $20.03 | $15.33 | · | $15.78 | $13.71 | · | $11.21 | $10.19 | $9.69 | $9.29 | |
| Revenue / Share | $9.86 | $9.27 | $10.02 | $8.00 | · | $6.12 | $5.68 | · | $4.97 | $4.45 | $3.67 | $3.63 | |
| Cash Flow / Share | $3.46 | $3.10 | $4.02 | $2.84 | · | $2.36 | $2.12 | · | $1.16 | $1.23 | $0.54 | $0.93 | |
| Cash / Share | $27.68 | $20.19 | $26.11 | $52.03 | · | $27.58 | $17.98 | · | $18.42 | $23.59 | $23.59 | $17.87 | |
| Dividend / Share | $0.60 | $0.45 | $0.32 | $0.30 | $0.29 | $0.14 | $0.27 | $0.26 | · | · | · | · | |
| EPS (TTM) | $2.88 | $3.02 | $3.75 | $2.79 | $2.00 | $1.68 | $1.54 | $1.42 | $1.13 | $0.95 | $0.61 | $0.89 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 6.7% | -7.1% | 25.6% | 21.0% | 9.0% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 7.6% | 12.2% | 18.3% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 10.4% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | -4.6% | -19.5% | 34.4% | 39.5% | 19.1% | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | 1.1% | 14.7% | 30.7% | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 11.4% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | -4.2% | -19.1% | 34.7% | 40.2% | 19.4% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | 1.5% | 15.2% | 31.1% | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 11.8% | · | · | · | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 16.9% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $82M | $77M | $82M | $66M | $54M | $50M | $46M | $43M | $40M | $36M | $30M | $29M | |
| Net Income TTM | $24M | $25M | $31M | $23M | $16M | $14M | $12M | $12M | $9M | $8M | $5M | $7M | |
| Market Cap | $252M | $244M | $248M | $187M | · | $137M | $160M | · | $158M | $102M | $84M | $82M | |
| P/E | 10.4 | 9.7 | 8.0 | 8.1 | 8.7 | 9.9 | 12.6 | 12.9 | 17.3 | 13.2 | 17.0 | 11.4 | |
| P/S | 3.1 | 3.2 | 3.0 | 2.8 | · | 2.7 | 3.5 | · | 3.9 | 2.8 | 2.8 | 2.8 | |
| P/B | 1.2 | 1.3 | 1.5 | 1.5 | · | 1.1 | 1.4 | · | 1.7 | 1.2 | 1.1 | 1.1 | |
| P / Tangible Book | 1.2 | 1.4 | 1.5 | 1.5 | 1.0 | 1.1 | · | · | · | · | · | · | |
| P / Cash Flow | 8.8 | 9.5 | 7.5 | 8.0 | · | 7.1 | 9.3 | · | 16.8 | 10.2 | 19.5 | 11.1 | |
| P / FCF | 10.3 | 10.2 | 8.0 | 8.5 | · | 7.8 | 10.1 | · | 22.0 | 11.0 | 29.0 | 14.0 | |
| Dividend Yield | 2.0% | 1.5% | 1.1% | 1.3% | · | 1.7% | 1.4% | · | 1.3% | 1.9% | 2.0% | 1.6% | |
| Earnings Yield | 9.6% | 10.3% | 12.5% | 12.3% | 11.5% | 10.1% | 7.9% | 7.8% | 5.8% | 7.6% | 5.9% | 8.8% | |
| Payout Ratio | 21.0% | 15.0% | 8.6% | 10.8% | · | 16.8% | 17.7% | · | 22.2% | 25.3% | 34.5% | -18.5% | |
| Annual Payout | $5M | $4M | $3M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $1M |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $3M | · | $1M | $696.0K | $453.0K | $341.0K | $291.0K | |
| Interest Income | $22M | $22M | $23M | $23M | $21M | $21M | $22M | $21M | $20M | $20M | $20M | $20M | $20M | $20M | $19M | $17M | |
| Pretax Income | $6M | $7M | $8M | $9M | $7M | $7M | $8M | $10M | $7M | $7M | $8M | $10M | $11M | $12M | $12M | $9M | |
| Income Tax | $1M | $1M | $2M | $2M | $2M | $1M | $2M | $2M | $2M | $2M | $2M | $2M | $3M | $3M | $3M | $2M | |
| Net Income | $5M | $5M | $6M | $7M | $6M | $5M | $6M | $7M | $6M | $6M | $6M | $7M | $8M | $9M | $9M | $7M | |
| EPS (Basic) | $0.62 | $0.64 | $0.77 | $0.81 | $0.68 | $0.64 | $0.73 | $0.89 | $0.72 | $0.70 | $0.70 | $0.90 | $1.03 | $1.13 | $1.16 | $0.83 | |
| EPS (Diluted) | $0.61 | $0.64 | $0.76 | $0.81 | $0.67 | $0.64 | $0.73 | $0.89 | $0.71 | $0.69 | $0.72 | $0.89 | $1.02 | $1.12 | $1.15 | $0.83 | |
| Shares (Basic) | 8,273,000 | 8,258,000 | · | 8,247,000 | 8,245,000 | 8,232,000 | · | 8,221,000 | 8,220,000 | 8,210,000 | · | 8,197,000 | 8,195,000 | 8,183,000 | · | 8,173,000 | |
| Shares (Diluted) | 8,333,000 | 8,322,000 | · | 8,299,000 | 8,285,000 | 8,278,000 | · | 8,264,000 | 8,248,000 | 8,245,000 | · | 8,232,000 | 8,227,000 | 8,227,000 | · | 8,206,000 |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $195M | $202M | $232M | $247M | $199M | $209M | $169M | $214M | $180M | $170M | $217M | $278M | $301M | $389M | $430M | $445M | |
| PP&E (Net) | $19M | $19M | $19M | $19M | $18M | $17M | $16M | $16M | $16M | $16M | $16M | $16M | $16M | $15M | $15M | $15M | |
| PP&E (Gross) | · | · | $34M | · | · | · | $30M | · | · | · | $28M | · | · | · | $26M | · | |
| Accum. Depreciation | · | · | $15M | · | · | · | $13M | · | · | · | $12M | · | · | · | $11M | · | |
| Goodwill | · | · | $3M | · | · | · | $3M | · | · | · | $3M | · | · | · | $3M | · | |
| Total Assets | $2.00B | $2.01B | $2.02B | $2.00B | $1.92B | $1.92B | $1.90B | $1.90B | $1.84B | $1.81B | $1.84B | $1.84B | $1.86B | $1.94B | $1.97B | $1.96B | |
| Total Liabilities | $1.78B | $1.80B | $1.82B | $1.80B | $1.74B | $1.74B | $1.72B | $1.72B | $1.67B | $1.64B | $1.68B | $1.70B | $1.71B | $1.80B | $1.84B | $1.86B | |
| Common Stock | $25M | $25M | $25M | $25M | $25M | $25M | $25M | $25M | $25M | $25M | $25M | $25M | $25M | $25M | $25M | $25M | |
| Retained Earnings | $202M | $197M | $194M | $188M | $184M | $178M | $176M | $169M | $164M | $158M | $154M | $148M | $142M | $134M | $127M | $117M | |
| AOCI | $-18M | $-23M | $-19M | $-22M | $-30M | $-26M | $-24M | $-16M | $-24M | $-22M | $-19M | $-44M | $-26M | $-23M | $-31M | $-42M | |
| Stockholders' Equity | $217M | $206M | $208M | $198M | $186M | $184M | $183M | $185M | $172M | $167M | $166M | $135M | $147M | $141M | $127M | $106M | |
| Liabilities + Equity | $2.00B | $2.01B | $2.02B | $2.00B | $1.92B | $1.92B | $1.90B | $1.90B | $1.84B | $1.81B | $1.84B | $1.84B | $1.86B | $1.94B | $1.97B | $1.96B | |
| Shares Outstanding | 8,413,458 | 8,413,458 | 8,388,221 | 8,390,621 | 8,382,062 | 8,382,062 | 8,357,211 | 8,358,711 | 8,359,556 | 8,359,556 | 8,293,168 | 8,293,468 | 8,281,661 | 8,281,661 | 8,257,894 | 8,258,794 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $694.0K | $252.0K | $238.0K | $231.0K | $234.0K | $201.0K | $198.0K | $201.0K | $204.0K | $242.0K | $131.0K | $131.0K | $126.0K | $145.0K | $146.0K | $154.0K | |
| Deferred Tax | $2M | $-2M | $1M | $3M | $-1M | $-1M | $-4M | $3M | $-507.0K | $-1M | $7M | · | · | $-3M | · | · | |
| Operating Cash Flow | $4M | $8M | $8M | $7M | $6M | $8M | $4M | $9M | $4M | $8M | $9M | $1M | $11M | $12M | $8M | $8M | |
| CapEx | $230.0K | $212.0K | $555.0K | $790.0K | $2M | $1M | $868.0K | $183.0K | $590.0K | $138.0K | $253.0K | $34.0K | $1M | $162.0K | $433.0K | $264.0K | |
| Investing Cash Flow | $7M | $-23M | $-41M | $-20M | $-14M | $17M | $-55M | $-19M | $-26M | $-15M | $-44M | $-17M | $-13M | $-6M | $-6M | $-40M | |
| Dividends Paid | $0 | $3M | $0 | $3M | $0 | $3M | $0 | $2M | $0 | $2M | $0 | $1M | $0 | $1M | $0 | $1M | |
| Financing Cash Flow | $-17M | $-15M | $18M | $61M | $-2M | $15M | $5M | $44M | $32M | $-40M | $-16M | $-17M | $-87M | $-47M | $-17M | $-23M | |
| Net Change in Cash | $-7M | $-31M | $-15M | $48M | $-10M | $41M | $-45M | $34M | $11M | $-47M | $-51M | $-33M | $-89M | $-40M | $-15M | $-55M | |
| Taxes Paid | · | · | $2M | $805.0K | $3M | $0 | $3M | $0 | $4M | $11.0K | $10M | $0 | $0 | $0 | $2M | $559.0K | |
| Free Cash Flow | · | $8M | · | · | · | $7M | · | · | · | $8M | · | · | · | $12M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $6M | · | · | · | $12M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 24.8% | 25.6% | · | 31.6% | 28.1% | 27.3% | · | 37.6% | 30.9% | 30.5% | · | 35.9% | 39.9% | 43.5% | · | 37.0% | |
| Pretax Margin | 31.2% | 32.8% | · | 40.3% | 36.1% | 35.0% | · | 50.2% | 39.0% | 38.5% | · | 46.9% | 52.2% | 56.1% | · | 47.9% | |
| ROA | 0.26% | 0.27% | · | 0.34% | 0.30% | 0.28% | · | 0.39% | 0.32% | 0.31% | · | 0.39% | 0.44% | 0.47% | · | 0.36% | |
| ROE | 2.5% | 2.7% | · | 3.5% | 3.1% | 3.0% | · | 4.6% | 3.7% | 3.7% | · | 6.1% | 6.3% | 6.8% | · | 5.5% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $25.80 | $24.50 | · | $23.63 | $22.17 | $21.89 | · | $22.18 | $20.55 | $19.97 | · | $16.29 | $17.76 | $17.08 | · | $12.86 | |
| Revenue / Share | $2.47 | $2.50 | · | $2.55 | $2.40 | $2.35 | · | $2.36 | $2.31 | $2.28 | · | $2.49 | $2.56 | $2.58 | · | $2.24 | |
| Cash Flow / Share | · | $0.97 | · | · | · | $0.96 | · | · | · | $1.00 | · | · | · | $1.46 | · | · | |
| Cash / Share | $23.15 | $23.96 | · | $29.46 | $23.72 | $24.97 | · | $25.59 | $21.57 | $20.30 | · | $33.49 | $36.29 | $47.02 | · | $53.89 | |
| Dividend / Share | $0.00 | $0.38 | $0.00 | $0.30 | $0.00 | $0.30 | $0.00 | $0.23 | $0.00 | $0.23 | $0.00 | $0.16 | $0.00 | $0.16 | $0.00 | $0.15 | |
| EPS (TTM) | $2.82 | $2.88 | · | $2.85 | $2.93 | $2.97 | · | $3.01 | $3.01 | $3.32 | · | $4.18 | $4.12 | $3.62 | · | $2.07 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $84M | $83M | · | $80M | $78M | $77M | · | $77M | $78M | $80M | · | $83M | $81M | $75M | · | $58M | |
| Net Income TTM | $23M | $24M | · | $24M | $24M | $25M | · | $25M | $25M | $27M | · | $34M | $34M | $30M | · | $17M | |
| Market Cap | $284M | $273M | · | $236M | $228M | $209M | · | $222M | $209M | $207M | · | $208M | $209M | $196M | · | $148M | |
| P/E | 12.0 | 11.3 | · | 9.9 | 9.3 | 8.4 | · | 8.8 | 8.3 | 7.5 | · | 6.0 | 6.1 | 6.5 | · | 8.6 | |
| P/S | 3.4 | 3.3 | · | 3.0 | 2.9 | 2.7 | · | 2.9 | 2.7 | 2.6 | · | 2.5 | 2.6 | 2.6 | · | 2.5 | |
| P/B | 1.3 | 1.3 | · | 1.2 | 1.2 | 1.1 | · | 1.2 | 1.2 | 1.2 | · | 1.5 | 1.4 | 1.4 | · | 1.4 | |
| P / Tangible Book | 1.3 | 1.3 | · | 1.2 | 1.2 | 1.1 | · | 1.2 | 1.2 | 1.2 | · | 1.5 | 1.4 | 1.4 | · | 1.4 | |
| P / Cash Flow | · | 33.9 | · | · | · | 26.3 | · | · | · | 25.0 | · | · | · | 16.3 | · | · | |
| Dividend Yield | 2.0% | 2.1% | · | 2.1% | 1.9% | 2.1% | · | 1.7% | 1.5% | 1.5% | · | 1.3% | 1.2% | 1.3% | · | 1.7% | |
| Earnings Yield | 8.4% | 8.9% | · | 10.1% | 10.8% | 11.9% | · | 11.3% | 12.0% | 13.4% | · | 16.7% | 16.4% | 15.3% | · | 11.6% | |
| Payout Ratio | · | 59.3% | · | · | · | 47.3% | · | · | · | 32.6% | · | · | · | 14.3% | · | · | |
| Annual Payout | $6M | $6M | · | $5M | $4M | $4M | · | $4M | $3M | $3M | · | $3M | $3M | $3M | · | $2M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Net Income | $24M | $25M | $31M | $23M | $16M |
| Diluted EPS | $2.88 | $3.02 | $3.75 | $2.79 | $2.00 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $25M | $24M | $31M | $22M | · |
Institutional owners (13F) 86 filers · $110.4M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
86
Value held
$110.4M
New positions
11
Exited positions
5
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 11 (+2 vs prior Q) | 5 (+3 vs prior Q) | 40 (+11 vs prior Q) | 16 (-4 vs prior Q) | +143K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $17,248,791 | 511,151 | 15.62% | Shares |
| VANGUARD GROUP INC | $12,102,968 | 402,627 | 10.96% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $9,995,438 | 296,205 | 9.05% | Shares |
| Siena Capital Partners GP, LLC | $8,903,517 | 263,847 | 8.06% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $6,378,509 | 189,026 | 5.78% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $5,945,976 | 176,153 | 5.38% | Shares |
| Cresset Asset Management, LLC | $4,733,816 | 140,282 | 4.29% | Shares |
| STATE STREET CORP | $4,404,769 | 130,531 | 3.99% | Shares |
| AMERICAN CENTURY COMPANIES INC | $3,359,652 | 99,560 | 3.04% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $2,496,219 | 73,973 | 2.26% | Shares |
| GOLDMAN SACHS GROUP INC | $2,221,939 | 65,845 | 2.01% | Shares |
| NORTHERN TRUST CORP | $1,846,290 | 54,713 | 1.67% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $1,805,425 | 53,502 | 1.63% | Shares |
| MORGAN STANLEY | $1,762,298 | 52,224 | 1.60% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $1,730,410 | 51,279 | 1.57% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,641,289 | 48,638 | 1.49% | Shares |
| TWO SIGMA INVESTMENTS, LP | $1,612,572 | 47,787 | 1.46% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,543,564 | 45,742 | 1.40% | Shares |
| Cetera Investment Advisers | $1,518,626 | 45,003 | 1.38% | Shares |
| FMR LLC | $1,100,897 | 32,624 | 1.00% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $1,098,438 | 32,551 | 0.99% | Shares |
| RBF Capital, LLC | $1,012,350 | 30,000 | 0.92% | Shares |
| CITADEL ADVISORS LLC | $977,356 | 28,963 | 0.88% | Shares |
| Squarepoint Ops LLC | $801,781 | 23,760 | 0.73% | Shares |
| Kestra Advisory Services, LLC | $793,658 | 23,519 | 0.72% | Shares |
| HSBC HOLDINGS PLC | $785,575 | 23,450 | 0.71% | Shares |
| MILLENNIUM MANAGEMENT LLC | $781,635 | 23,163 | 0.71% | Shares |
| Trexquant Investment LP | $748,700 | 22,187 | 0.68% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $719,275 | 21,315 | 0.65% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $717,925 | 21,275 | 0.65% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $663,933 | 19,675 | 0.60% | Shares |
| Bank of New York Mellon Corp | $617,703 | 18,305 | 0.56% | Shares |
| BANK OF AMERICA CORP /DE/ | $601,808 | 17,834 | 0.54% | Shares |
| BARCLAYS PLC | $573,025 | 16,981 | 0.52% | Shares |
| Empowered Funds, LLC | $526,928 | 15,615 | 0.48% | Shares |
| LPL Financial LLC | $492,576 | 14,597 | 0.45% | Shares |
| SEIZERT CAPITAL PARTNERS, LLC | $479,112 | 14,198 | 0.43% | Shares |
| OCCUDO QUANTITATIVE STRATEGIES LP | $414,119 | 12,272 | 0.37% | Shares |
| XTX Topco Ltd | $388,270 | 11,506 | 0.35% | Shares |
| Nuveen, LLC | $386,448 | 11,452 | 0.35% | Shares |
| Curi Capital, LLC | $367,518 | 10,891 | 0.33% | Shares |
| WELLS FARGO & COMPANY/MN | $339,475 | 10,060 | 0.31% | Shares |
| ALGERT GLOBAL LLC | $334,413 | 9,910 | 0.30% | Shares |
| Jump Financial, LLC | $327,900 | 9,717 | 0.30% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $326,179 | 9,666 | 0.30% | Shares |
| MARSHALL WACE, LLP | $311,082 | 9,220 | 0.28% | Shares |
| RHUMBLINE ADVISERS | $307,242 | 9,105 | 0.28% | Shares |
| Legato Capital Management LLC | $232,739 | 6,897 | 0.21% | Shares |
| DEUTSCHE BANK AG\ | $230,006 | 6,815 | 0.21% | Shares |
| Qube Research & Technologies Ltd | $214,922 | 6,369 | 0.19% | Shares |
Company insiders 29 insiders · 14 officers · 16 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Christopher M. Courtney | CEO | May 20, 2026 I | 244,304 | 0 | 0 | $0 |
| Jeffrey A Gall | EVP Chief Financial Officer | Feb. 27, 2026 A | 39,985 | 0 | 0 | $0 |
| Richard A. Mccarty | President & COO | Feb. 27, 2026 A | 60,932 | 0 | 0 | $0 |
| Wiiliam D Nunes | EVP Chief Marketing Officer | Feb. 27, 2026 F | 15,707 | 0 | 0 | $0 |
| Kimberly D Booke | EVP Chief Risk Officer | Feb. 27, 2026 A | 19,103 | 0 | 0 | $0 |
| Theresa Roland | EVP Chief HR Officer | Feb. 27, 2026 A | 11,609 | 0 | 0 | $0 |
| Cathy Ghan | EVP Commercial Real Estate | Feb. 27, 2026 A | 41,176 | 0 | 0 | $0 |
| Julie Dehart | EVP Retail Banking | Feb. 27, 2026 A | 21,989 | 0 | 0 | $0 |
| Gary Stephens | EVP Commercial Banking | Feb. 27, 2026 A | 37,517 | 0 | 0 | $0 |
| Russell E Stahl | EVP Chief Information Officer | Feb. 27, 2026 A | 40,796 | 0 | 0 | $0 |
| Michael J Rodrigues | EVP Chief Credit Officer | Feb. 27, 2026 A | 76,432 | 0 | 0 | $0 |
| Janis L Powers | EVP Risk Management | Feb. 28, 2023 A | 82,719 | 0 | 0 | $0 |
| David S Harvey | EVP Commercial Banking Group | May 18, 2018 S | 31,718 | 0 | 0 | $0 |
| Wendy A Burth | EVP Retail Banking Group Mgr | April 29, 2016 S | 21,757 | 0 | 0 | $0 |
| Daniel J Leonard | Director | Sept. 28, 2026 P | 62,787 | 4 | 0 | $25,232 |
| Don Barton | Director | Sept. 28, 2026 S | 29,225 | 0 | 9 | $-106,196 |
| Allison Lafferty | Director | Aug. 26, 2026 P | 10,000 | 15 | 0 | $83,659 |
| Randolph H Holder JR | Director | Aug. 17, 2026 P | 152,991 | 2 | 0 | $10,381 |
| Gary Strong | Director | July 27, 2026 P | 14,842 | 2 | 0 | $92,500 |
| Erich A Haidlen | Director | Feb. 13, 2026 P | 22,950 | 2 | 0 | $8,307 |
| Terrance P Withrow | Director | Feb. 13, 2026 P | 31,917 | 1 | 0 | $9,991 |
| James L Gilbert | Director | Aug. 27, 2025 G | 151,654 | 0 | 0 | $0 |
| Janet S Pelton | Director | May 1, 2025 P | 65,000 | 0 | 0 | $0 |
| Danny L. Titus | Director | April 23, 2025 G | 208,855 | 0 | 0 | $0 |
| Ronald C. Martin | Director | May 13, 2024 S | 153,447 | 0 | 0 | $0 |
| Lynn Dickerson | Director | Aug. 28, 2023 A | 25,001 | 0 | 0 | $0 |
| Thomas A Haidlen | Director | Aug. 3, 2020 J | 171,146 | 0 | 0 | $0 |
| Michael Q. Jones | Director | April 25, 2016 P | 22,707 | 0 | 0 | $0 |
| Roger M. Schrimp | Director | Feb. 21, 2014 S | 180,340 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 19 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| EBIT · Harbor ETF Trust | 0.09% | 306 NS | July 31, 2026 | N-PORT |
| IWC · iShares Trust | 0.06% | 25,322 SH | Sept. 11, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.02% | 6,461 SH | Aug. 19, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 41,636 SH | Aug. 19, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 725 SH | Sept. 28, 2026 | Daily |
| IWM · iShares Trust | 0.01% | 193,903 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 3,472 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 28,234 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.00% | 16,930 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 471 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 1,036 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.00% | 1,886 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 9,383 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 1,544 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 584 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 75,816 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 213,803 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 541 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 78,457 SH | Sept. 11, 2026 | Daily |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| OVLY | $252M | 10.4 | 6.7% | 29.3% | 12.2% | · |
| MYFW | $261M | 20.0 | 7.6% | 13.6% | 5.0% | · |
| FNRN | · | · | 4.5% | 28.7% | 10.4% | · |
| ISBA | $366M | 19.5 | 11.5% | 24.1% | 8.4% | · |
| FRAF | $225M | 10.6 | 24.8% | 23.9% | 12.8% | · |
| ATLO | $203M | 15.6 | 21.9% | 28.5% | 9.5% | · |
| FUNC | $243M | 9.9 | 4.0% | 133.1% | 12.4% | · |
| QNBC | · | · | 16.9% | 24.2% | 11.6% | · |
| NKSH | $214M | 13.5 | 9.8% | 193.6% | 8.9% | · |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | · |
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Source: SEC 10-Q filed Aug 14, 2026