Oak View National Bank (OAKV) AI Stock Analysis

4 Followers

Oak View National Bank

(Other OTC:OAKV)

Select Model

Rating:62Neutral

Price Target:$20.00▲(3.90% Upside)

Action:downgraded

Date:11/07/26

The overall score is primarily driven by mixed financial performance, where strong revenue growth and profitability are countered by weak cash flow stability and rising leverage. A low P/E ratio provides valuation support, while technical indicators show a neutral trend with no strong momentum. The absence of earnings call insights and corporate events limits additional positive or negative catalysts.

Positive Factors

Strong Revenue and Asset GrowthRapid revenue growth alongside a larger asset base indicates expanding operating scale and market reach. If sustained, this growth can strengthen the bank’s earnings platform, support broader customer relationships, and improve its ability to spread operating costs across a larger business.

Negative Factors

Rising LeverageThe sharp multi-year increase in debt-to-equity makes the balance sheet more sensitive to credit and funding conditions. Greater leverage can reduce financial flexibility and leave less room to absorb weaker asset quality or macroeconomic pressure while the bank continues scaling.

Oak View National Bank (OAKV) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $67.11M
Dividend Yield: 1.77%
Average Volume (3M): 1,294
Price to Earnings (P/E): 7.9
Beta (1Y): 0.03
Revenue Growth: 19.63%
EPS Growth: 17.60%
Country: US
Employees: 51
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

Oak View National Bank Business Overview & Revenue Model

Company Description

Oak View Bankshares, Inc. functions as the parent entity for Oak View National Bank, delivering a comprehensive suite of financial services to individual customers and businesses alike. Its operations primarily serve clients within Fauquier, Culpeper...

Oak View National Bank Financial Statement Overview

Summary

Strong revenue growth and healthy profitability are offset by rising leverage and inconsistent cash flow generation. The Income Statement is solid (75), but the Cash Flow score (45) is a significant drag, indicating weak cash conversion and coverage.

Income Statement

75Positive

Balance Sheet

65Positive

Cash Flow

45Neutral

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	48.47M	44.15M	38.26M	16.73M	16.06M	12.85M
Gross Profit	24.19M	23.26M	20.04M	29.87M	16.06M	12.85M
EBITDA	8.43M	8.74M	7.63M	5.28M	3.82M	3.28M
Net Income	7.40M	7.22M	6.10M	4.21M	3.06M	2.47M
Balance Sheet
Total Assets	966.14M	878.04M	695.40M	600.16M	498.10M	345.14M
Cash, Cash Equivalents and Short-Term Investments	1.95M	2.50M	1.71M	8.87M	8.74M	49.96M
Total Debt	206.43M	101.40M	63.67M	48.63M	39.21M	14.90M
Total Liabilities	904.23M	820.21M	657.13M	567.49M	471.09M	316.50M
Stockholders Equity	61.92M	57.82M	38.28M	32.67M	27.02M	28.63M
Cash Flow
Free Cash Flow	0	2.27M	-2.67M	-1.87M	4.87M	1.69M
Operating Cash Flow	0	4.72M	3.15M	-1.26M	9.59M	2.62M
Investing Cash Flow	0	-173.36M	-83.91M	-99.33M	-160.75M	-51.69M
Financing Cash Flow	0	169.39M	88.39M	100.44M	146.72M	58.61M

Oak View National Bank Technical Analysis

Technical Analysis SentimentPositive

Last Price19.25

Price Trends

50DMA19.20Negative

100DMA18.02Positive

200DMA16.19Positive

Market Momentum

MACD0.02Negative

RSI51.17Neutral

STOCH85.06Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OAKV, the sentiment is Positive. The current price of 19.25 is above the 20-day moving average (MA) of 19.11, above the 50-day MA of 19.20, and above the 200-day MA of 16.19, indicating a neutral trend. The MACD of 0.02 indicates Negative momentum. The RSI at 51.17 is Neutral, neither overbought nor oversold. The STOCH value of 85.06 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OAKV.

Oak View National Bank Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

OAKV against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OPHC	84Outperform	$114.49M	5.17	16.39%	―	24.01%	20.16%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TCBS	65Neutral	$49.85M	15.05	5.83%	1.44%	2.23%	33.79%
HFBL	64Neutral	$72.73M	10.63	11.12%	2.55%	7.94%	43.98%
OAKV	62Neutral	$66.69M	7.92	15.23%	1.77%	19.63%	17.60%
BAFN	52Neutral	$195.25M	-0.59	-42.56%	―	-40.59%	-260.04%

* Financial Sector Average

Performance Comparison

OAKV and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
OAKV	Oak View National Bank	19.25	6.14	46.80%
HFBL	Home Federal Bancorp Inc. Of Louisiana	22.36	7.15	46.96%
OPHC	Optimumbank	8.96	4.76	113.33%
BAFN	BayFirst Financial Corp	6.21	-2.14	-25.63%
TCBS	Texas Community Bancshares, Inc.	17.40	1.64	10.40%
MBBC	Marathon Bancorp, Inc.	14.90	4.04	37.20%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Nov 07, 2026

Oak View National Bank AI Stock Analysis