Advertisement
OVLY vs PKBK
Which Stock Would AI Choose? Oak Valley Bancorp (OVLY) vs. Parke Bancorp (PKBK) Stock Comparison
Key Takeaways
- Two community banks, two different momentum profiles. Oak Valley Bancorp (OVLY) showed steadier, more modest growth, while Parke Bancorp (PKBK) delivered notably stronger recent earnings expansion.
- PKBK posted faster earnings growth. Full-year 2025 net income rose 37.3% year over year, versus a slight decline for OVLY's annual net income.
- OVLY demonstrated superior operating leverage. Its net interest margin (NIM, a measure of lending profitability) of 4.14% and efficiency ratio of roughly 55.9% reflect disciplined cost control.
- PKBK showed exceptional efficiency. Its efficiency ratio of about 33.4% is unusually low, signaling strong revenue generation relative to expenses.
- Different geographic and loan exposures. OVLY is concentrated in California's Central Valley, while PKBK operates primarily in New Jersey and the greater Philadelphia market.
- Valuation diverges. PKBK has traded at a lower price-to-earnings multiple, reflecting a different risk-and-growth trade-off for investors to weigh.
Introduction
Investors evaluating regional and community banking stocks often face a challenge: similar business models can mask meaningfully different growth, efficiency, and risk profiles. This stock comparison examines Oak Valley Bancorp and Parke Bancorp, two smaller-cap bank holding companies that serve distinct geographic markets but compete for the same investor attention. For those focused on relative performance, market positioning, and income generation, the contrast between these two names is instructive. One has delivered sharp earnings momentum, while the other has emphasized steady balance-sheet expansion and operational discipline. This comparison is particularly relevant for income-oriented investors and those tracking how small banks navigate interest-rate shifts, commercial real estate exposure, and credit-quality trends.
OVLY Overview and Recent Performance
OVLY is the bank holding company for Oak Valley Community Bank and its Eastern Sierra Community Bank division, serving individuals and small to medium-sized businesses across California's Central Valley and Eastern Sierra regions. In recent quarters, the company crossed a notable milestone by surpassing $2 billion in total assets, supported by consistent loan and deposit growth.
From a performance standpoint, Oak Valley's recent results reflected steady rather than explosive growth. For the fourth quarter of 2025, the company reported net income of $0.76 per diluted share, up from $0.73 a year earlier, while net interest income rose about 9% year over year. Its NIM improved to 4.14%, and the efficiency ratio strengthened to roughly 55.9%. Full-year net income, however, declined modestly to $23.9 million from $25.0 million in 2024, largely due to higher operating expenses tied to expansion and staffing. A one-time provision for credit losses linked to a collateral-dependent commercial real estate loan also pressured recent results. Management has raised its dividend in 2025 relative to the prior year, underscoring a commitment to shareholder returns.
PKBK Overview and Recent Performance
PKBK is the holding company for Parke Bank, a community bank operating across southern New Jersey and the Philadelphia metropolitan area, with a lending focus that includes commercial real estate, construction, and residential loans. In recent market activity, the stock has drawn attention for its sharp earnings expansion and relatively low valuation.
Parke Bancorp's recent results were notably strong. For the fourth quarter of 2025, net income reached $11.1 million, up from $7.4 million a year earlier, with diluted EPS of $0.93 versus $0.61 in the prior-year period. Net interest income surged 30.2% for the full year to $76.5 million, and full-year net income available to common shareholders climbed 37.3% to $37.8 million. The company's NIM rose to 4.09%, and its efficiency ratio improved to approximately 33.4%, among the leanest in the small-bank space. Loan growth was driven by commercial real estate and construction, while deposits expanded. A higher provision for credit losses was a modest offset to otherwise robust profitability.
Trending AI Robots
For traders seeking a data-driven edge, Tickeron's Trending AI Robots page curates a selection of the platform's top-performing automated strategies. Tickeron offers hundreds of AI Trading Bots that collectively trade thousands of different tickers, each with its own trading style, strategy, timeframe, performance history, statistics, and universe of symbols. Because market conditions shift constantly, not every bot is well-suited to every environment — which is why only the most appropriate, currently relevant bots earn a place in this curated Trending AI Robots section. Visitors can review historical performance metrics and strategy parameters to evaluate fit. Explore the Trending AI Robots page to see which automated strategies are currently positioned for today's market.
Head-to-Head Comparison
Although both companies are community bank holding companies, their recent trajectories differ considerably. The most striking contrast is momentum: PKBK expanded earnings by double digits in 2025, while OVLY's annual profitability was essentially flat to slightly lower. PKBK's efficiency ratio of about 33.4% is exceptional, suggesting it converts revenue into profit far more efficiently than OVLY's roughly 55.9% — though both figures are strong by industry standards.
Business mix and geography also diverge. OVLY operates in California's Central Valley, with a diversified commercial lending book and an advisory-fee income stream that adds non-interest revenue. PKBK is more concentrated in New Jersey and Philadelphia, with heavier exposure to commercial real estate and construction lending — a growth driver in the current cycle but also a source of credit-concentration risk.
On valuation, PKBK has historically traded at a lower price-to-earnings multiple and lower price-to-book ratio than OVLY, reflecting the market's differing assessment of each bank's risk profile and growth durability. OVLY, with a beta (a measure of volatility versus the broader market) well below 1.0, has behaved more defensively, while PKBK's stronger earnings momentum has coincided with a more volatile upward re-rating. Both pay dividends, but their payout structures and yields differ, with PKBK generally offering a higher yield relative to its price.
Tickeron AI Verdict
Based on observable factors such as trend consistency, earnings momentum, and relative positioning, Tickeron's AI would likely lean toward PKBK in the current environment. The bank's pronounced earnings growth, exceptional efficiency ratio, and lower valuation multiple signal favorable trend characteristics that quantitative models tend to reward. That said, this preference carries caveats: PKBK's heavier commercial real estate and construction concentration introduces greater credit sensitivity, while OVLY offers steadier, more defensive characteristics and stronger recent operating-leverage trends. A probabilistic assessment would favor PKBK on momentum and valuation, while acknowledging OVLY's appeal as a more stable, lower-volatility alternative — with the relative outlook subject to change as credit conditions and interest rates evolve.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is OVLY is a Buy and PKBK is a StrongBuy.
OVLY in upward trend: price may jump up because it broke its lower Bollinger Band on October 09, 2026
OVLY may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options. In 17 of 25 cases where OVLY's price broke its lower Bollinger Band, its price rose further in the following month. The odds of a continued upward trend are 68%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 37 of 60 cases where OVLY's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 62%.
OVLY moved above its 50-day moving average on October 22, 2026 date and that indicates a change from a downward trend to an upward trend.
Following a +1.55% 3-day Advance, the price is estimated to grow further. Considering data from situations where OVLY advanced for three days, in 148 of 252 cases, the price rose further within the following month. The odds of a continued upward trend are 59%.
Bearish Trend Analysis
The Momentum Indicator moved below the 0 level on October 14, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on OVLY as a result. In 57 of 110 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 52%.
The 10-day moving average for OVLY crossed bearishly below the 50-day moving average on October 09, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 6 of 15 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 40%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where OVLY declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 46%.
The Aroon Indicator for OVLY entered a downward trend on October 22, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron PE Growth Rating for this company is 16 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 17 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 55, placing this stock better than average.
The Tickeron SMR rating for this company is 46 (best 1 - 100 worst), indicating slightly weaker than average sales and a marginally profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Valuation Rating of 47 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.328) is normal, around the industry mean (1.268). P/E Ratio (12.060) is within average values for comparable stocks, (13.372). Projected Growth (PEG Ratio) (0.210) is also within normal values, averaging (1.190). Dividend Yield (0.044) settles around the average of (0.035) among similar stocks. P/S Ratio (3.408) is also within normal values, averaging (3.738).
The Tickeron Price Growth Rating for this company is 48 (best 1 - 100 worst), indicating steady price growth. OVLY’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 95 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
PKBK's MACD Histogram crosses above signal line
The Moving Average Convergence Divergence (MACD) for PKBK turned positive on October 20, 2026. Looking at past instances where PKBK's MACD turned positive, the stock continued to rise in 30 of 42 cases over the following month. The odds of a continued upward trend are 71%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Oscillator points to a transition from a downward trend to an upward trend -- in cases where PKBK's RSI Oscillator exited the oversold zone, 16 of 24 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 67%.
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 43 of 61 cases where PKBK's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 70%.
The Momentum Indicator moved above the 0 level on October 20, 2026. You may want to consider a long position or call options on PKBK as a result. In 65 of 101 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 64%.
Following a +1.48% 3-day Advance, the price is estimated to grow further. Considering data from situations where PKBK advanced for three days, in 165 of 265 cases, the price rose further within the following month. The odds of a continued upward trend are 62%.
Bearish Trend Analysis
PKBK moved below its 50-day moving average on September 18, 2026 date and that indicates a change from an upward trend to a downward trend.
The 10-day moving average for PKBK crossed bearishly below the 50-day moving average on September 28, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 6 of 13 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 46%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where PKBK declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 56%.
PKBK broke above its upper Bollinger Band on October 22, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for PKBK entered a downward trend on October 20, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron Profit vs. Risk Rating rating for this company is 22 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 55, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 34 (best 1 - 100 worst), pointing to consistent earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron SMR rating for this company is 39 (best 1 - 100 worst), indicating slightly weaker than average sales and a marginally profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 44 (best 1 - 100 worst), indicating steady price growth. PKBK’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of 62 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.131) is normal, around the industry mean (1.268). P/E Ratio (8.545) is within average values for comparable stocks, (13.372). Projected Growth (PEG Ratio) (0.340) is also within normal values, averaging (1.190). Dividend Yield (0.024) settles around the average of (0.035) among similar stocks. P/S Ratio (4.533) is also within normal values, averaging (3.738).
The Tickeron Seasonality Score of 75 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
OVLY | PKBK | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 87 | 9 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 47 Fair valued | 62 Fair valued | |
PROFIT vs RISK RATING 1..100 | 17 | 22 | |
SMR RATING 1..100 | 46 | 39 | |
PRICE GROWTH RATING 1..100 | 48 | 44 | |
P/E GROWTH RATING 1..100 | 16 | 34 | |
SEASONALITY SCORE 1..100 | 90 | 75 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
OVLY's Valuation (47) in the Regional Banks industry is in the same range as PKBK (62). This means that OVLY’s stock grew similarly to PKBK’s over the last 12 months.
OVLY's Profit vs Risk Rating (17) in the Regional Banks industry is in the same range as PKBK (22). This means that OVLY’s stock grew similarly to PKBK’s over the last 12 months.
PKBK's SMR Rating (39) in the Regional Banks industry is in the same range as OVLY (46). This means that PKBK’s stock grew similarly to OVLY’s over the last 12 months.
PKBK's Price Growth Rating (44) in the Regional Banks industry is in the same range as OVLY (48). This means that PKBK’s stock grew similarly to OVLY’s over the last 12 months.
OVLY's P/E Growth Rating (16) in the Regional Banks industry is in the same range as PKBK (34). This means that OVLY’s stock grew similarly to PKBK’s over the last 12 months.
| OVLY | PKBK | |
|---|---|---|
| RSI ODDS (%) | N/A | 1 day ago 67% |
| Stochastic ODDS (%) | 1 day ago 62% | 1 day ago 70% |
| Momentum ODDS (%) | 1 day ago 52% | 1 day ago 64% |
| MACD ODDS (%) | N/A | 1 day ago 71% |
| TrendWeek ODDS (%) | 1 day ago 60% | 1 day ago 64% |
| TrendMonth ODDS (%) | 1 day ago 42% | 1 day ago 54% |
| Advances ODDS (%) | 7 days ago 59% | 3 days ago 62% |
| Declines ODDS (%) | 2 days ago 46% | 22 days ago 56% |
| BollingerBands ODDS (%) | 1 day ago 68% | 1 day ago 56% |
| Aroon ODDS (%) | 1 day ago 39% | 1 day ago 50% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
OVLY’s FA Score shows that 2 FA rating(s) are green while PKBK’s FA Score has 1 green FA rating(s).
- OVLY’s FA Score: 2 green, 3 red.
- PKBK’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
OVLY’s TA Score shows that 3 TA indicator(s) are bullish while PKBK’s TA Score has 6 bullish TA indicator(s).
- OVLY’s TA Score: 3 bullish, 6 bearish.
- PKBK’s TA Score: 6 bullish, 4 bearish.
Price Growth
OVLY (@Regional Banks) experienced а -0.57% price change this week, while PKBK (@Regional Banks) price change was +0.37% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +2.63%. For the same industry, the average monthly price growth was -0.03%, and the average quarterly price growth was +8.99%.
Reported Earning Dates
OVLY is expected to report earnings on Oct 28, 2026.
PKBK is expected to report earnings on Oct 28, 2026.
Industries' Descriptions
@Regional Banks (+2.63% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
Advertisement
OVLY and
Correlation & Price change
A.I.dvisor indicates that over the last year, OVLY has been closely correlated with PKBK. These tickers have moved in lockstep 69% of the time. This A.I.-generated data suggests there is a high statistical probability that if OVLY jumps, then PKBK could also see price increases.
| Ticker / NAME | Correlation To OVLY | 1D Price Change % | ||
|---|---|---|---|---|
| OVLY | 100% | +3.04% | ||
| PKBK - OVLY | 69% Closely correlated | +2.25% | ||
| FBIZ - OVLY | 67% Closely correlated | +2.26% | ||
| CCNE - OVLY | 67% Closely correlated | +2.03% | ||
| FMBH - OVLY | 67% Closely correlated | +2.76% | ||
| PLBC - OVLY | 67% Closely correlated | +0.70% | ||
More | ||||
PKBK and
Correlation & Price change
A.I.dvisor indicates that over the last year, PKBK has been closely correlated with BY. These tickers have moved in lockstep 76% of the time. This A.I.-generated data suggests there is a high statistical probability that if PKBK jumps, then BY could also see price increases.
| Ticker / NAME | Correlation To PKBK | 1D Price Change % | ||
|---|---|---|---|---|
| PKBK | 100% | +2.25% | ||
| BY - PKBK | 76% Closely correlated | +1.60% | ||
| IBCP - PKBK | 76% Closely correlated | +2.70% | ||
| CCNE - PKBK | 75% Closely correlated | +2.03% | ||
| FMBH - PKBK | 75% Closely correlated | +2.76% | ||
| SHBI - PKBK | 74% Closely correlated | +2.32% | ||
More | ||||
| 1 Day | |||
|---|---|---|---|
| CRYPTO / NAME | Price $ | Chg $ | Chg % |
| BLZ.X | 0.008998 | -0.000595 | -6.20% |
| Bluzelle cryptocurrency | |||
| WOO.X | 0.010198 | -0.000704 | -6.46% |
| WOO cryptocurrency | |||
| TIA.X | 0.558145 | -0.040344 | -6.74% |
| Celestia cryptocurrency | |||
| AXL.X | 0.047899 | -0.005954 | -11.06% |
| Axelar cryptocurrency | |||
| NPXS.X | 0.000011 | -0.000003 | -24.03% |
| Pundi X (Old) cryptocurrency | |||