NASDAQ$OVLY
Oak Valley Bancorp · Q4 2021 earnings
Q4 2021 earnings · · Investor relations
Briefing
Reported a decrease in net income due to lower PPP loan income, but benefited from loan and investment portfolio growth.
Oak Valley Bancorp reported a net income of $3,466,000 for the fourth quarter of 2021, a decrease compared to the previous quarter and the same period last year. The decrease was primarily due to a reduction in Paycheck Protection Program (PPP) loan interest and fee income. However, the company benefited from loan growth (excluding PPP loans) and investment portfolio growth.
- Net income for Q4 2021 was $3,466,000, or $0.42 per diluted share.
- Net interest income was $11,309,000 for Q4 2021.
- Total assets reached $1.96 billion as of December 31, 2021.
- A reversal of loan loss provisions totaling $635,000 was recognized during the fourth quarter of 2021.
Headline financials
Revenue & EPS history
Oak Valley · Revenue · Quarterly
$12.9M
Forward guidance
Oak Valley Bancorp expresses optimism for future performance based on transformative balance sheet growth and industry consolidation.
Tailwinds
- Continued focus on supporting local businesses.
- Commitment to core values in executing their mission.
- Expected benefits from loan growth.
- Expected benefits from investment portfolio growth.
- New office opening in Roseville slated for Spring 2022.
Headwinds
- Fluctuations in interest rates.
- Government policies and regulations.
- Economic conditions, including increased energy costs in California.
- Credit quality of borrowers.
- Competition in the geographic and business areas.
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 2021
+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
| Quarter | Report date | Reaction (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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