Loading...
•
Dec 31, 2025
Oak Valley Q4 2025 Earnings Report
Reported solid profitability with modest sequential earnings decline due to credit loss provisioning.
Key Takeaways
Oak Valley Bancorp delivered strong Q4 2025 results with healthy net interest income growth and stable margins, offset by a credit loss provision tied to a non-accrual loan.
Net income of $6.3M reflected solid core profitability
Net interest income increased year over year driven by earning asset growth
Net interest margin remained strong above 4%
Credit quality impacted by a single non-accrual loan late in the quarter
Forward Guidance
The company did not provide formal quantitative forward guidance, but highlighted ongoing risk management and stable operating conditions.
Positive Outlook
- Strong capital and liquidity position
- Stable cost of funds environment
- Continued earning asset growth
- Disciplined credit risk management
- Experienced management team
Challenges Ahead
- Potential credit risk in commercial real estate
- Sensitivity to interest rate changes
- Macroeconomic uncertainty
- Regulatory and policy risks
- Competitive banking environment
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
Loading earnings performance data...
Loading earnings reaction data...