NASDAQ$OVLY

Oak Valley Bancorp · Q4 2019 earnings

Q4 2019 earnings · · Investor relations

Briefing

Reported a net income of $3,191,000 for the fourth quarter of 2019, with earnings per diluted share at $0.39, driven by strong earning asset growth and net interest income.

Oak Valley Bancorp reported a net income of $3,191,000, or $0.39 per diluted share, for Q4 2019. The decrease from the prior quarter is due to net interest margin compression as a result of recent FOMC interest rate cuts during the third and fourth quarters of 2019, which negatively impacted yields on earning assets. Total assets reached $1.15 billion, and gross loans amounted to $751.0 million.

  • Net income for Q4 2019 was $3,191,000, or $0.39 per diluted share.
  • Net interest income for Q4 2019 was $10,350,000.
  • Total assets reached $1.15 billion as of December 31, 2019.
  • Gross loans were $751.0 million as of December 31, 2019.

Headline financials

Total Revenue

$11.6M

Previous: $11.4M+1.7%
EPS (adj)

$0.39

Previous: $0.37+5.4%
Net Interest Margin

4.0%

Previous: 4.0%+0.5%
NPA / Total Assets

0.1%

Previous: 0.1%+25.0%
Credit Loss Reserve Ratio

1.2%

Previous: 1.2%+0.0%
Capital Expenditures

$437K

Previous: $96K+355.2%
Free Cash Flow

$4.65M

Previous: $1.25M+273.0%
Net Income

$3.19M

Previous: $2.98M+7.1%
Operating Income

$4.46M

No prior period
Cash & Equivalents

$148M

Previous: $126M+17.0%
Total Assets

$1.15B

Previous: $1.09B+5.0%
Stock-Based Comp

$150K

Previous: $114K+31.6%

Revenue & EPS history

Oak Valley · Revenue · Quarterly

$11.6M

Q4 2019+1.7%vs Q4 2018

Forward guidance

The company is confident that it can execute its growth, service, and profitability goals.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2019

Historical avgQ4 2019

+0.4%

Avg return

Earnings day

+1.3%

Avg return

5 days after

+1.9%

Avg return

30 days after

46%

30 / 65 earnings

Positive

+11.5%

Q4 2016

Best reaction

-7.2%

Q1 2012

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.3%-2.4%-0.7%
Q4 2025-1.3%-2.7%+3.9%
Q3 2025-0.1%+0.9%+4.3%
Q1 2025+0.0%-1.2%+2.1%
Q2 2025+0.5%-0.3%+0.1%
Q4 2024+0.0%-1.3%+2.7%
Q3 2024+0.1%-0.6%+1.4%
Q2 2024+4.9%-1.9%+5.3%
Q1 2024+4.8%+6.5%+6.2%
Q4 2023+0.8%+6.0%-7.1%
Q3 2023-0.7%+0.2%+7.5%
Q2 2023+3.1%+3.3%-5.0%
Q1 2023+10.0%+9.0%-2.5%
Q4 2022+2.9%+2.6%+14.0%
Q3 2022+8.0%+7.1%+13.3%
Q2 2022+0.2%+3.6%+4.3%
Q1 2022+0.5%-0.1%-3.0%
Q4 2021+2.1%+2.6%+8.0%
Q3 2021+0.2%+1.3%+0.0%
Q2 2021+3.8%+2.1%-2.8%
Q1 2021+2.1%+2.9%+4.1%
Q4 2020+3.1%-0.8%+0.6%
Q3 2020-1.4%-2.7%+13.8%
Q2 2020-3.0%+2.0%+14.0%
Q1 2020-4.7%+5.6%-1.4%
Q4 2019-0.9%+0.8%-3.8%
Q3 2019+2.3%+1.6%+6.4%
Q2 2019+0.0%+0.0%-6.0%
Q1 2019-4.0%-3.8%-5.3%
Q4 2018-3.1%-0.9%-1.7%
Q3 2018-1.5%-0.5%-10.8%
Q2 2018+0.1%+3.1%-11.0%
Q1 2018-3.8%-3.2%-6.6%
Q4 2017-6.6%-5.0%-1.1%
Q3 2017-2.1%-1.4%+3.6%
Q2 2017+4.4%+7.9%+7.5%
Q1 2017+0.4%+0.6%-3.2%
Q4 2016+11.5%+7.4%+10.2%
Q3 2016-0.2%-0.2%+9.9%
Q2 2016+1.3%+4.9%+4.4%
Q1 2016-0.3%
Q4 2015-0.9%
Q3 2015-0.2%
Q2 2015-4.1%
Q1 2015-1.5%
Q4 2014+1.5%
Q3 2014+1.9%
Q2 2014+0.0%
Q1 2014-1.3%
Q4 2013+0.4%
Q3 2013+0.0%
Q2 2013+0.5%
Q1 2013+0.0%
Q4 2012+0.0%
Q3 2012+0.0%
Q2 2012+0.0%
Q1 2011+0.0%
Q1 2012-7.2%
Q4 2011-7.2%
Q3 2010+0.0%
Q3 2011+0.0%
Q2 2011+3.0%
Q4 2010+3.0%
Q2 2010+3.0%
Q1 2010+2.3%

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