OVLY vs. AMAL
OVLY (Oak Valley Bancorp) and AMAL (Amalgamated Financial Corp.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 5 years, OVLY returned 15.98%/yr vs 28.65%/yr for AMAL. Their 0.36 correlation means their historical movements had little consistent relationship.
Performance
OVLY vs. AMAL - Performance Comparison
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Returns By Period
In the year-to-date period, OVLY achieves a 14.01% return, which is significantly lower than AMAL's 55.47% return.
OVLY
- 1D
- 1.38%
- 1M
- 0.03%
- 6M
- 7.27%
- YTD
- 14.01%
- 1Y
- 29.87%
- 3Y*
- 9.13%
- 5Y*
- 15.98%
- 10Y*
- 14.83%
- ALL TIME*
- 6.93%
AMAL
- 1D
- -0.02%
- 1M
- 7.25%
- 6M
- 28.21%
- YTD
- 55.47%
- 1Y
- 76.42%
- 3Y*
- 38.78%
- 5Y*
- 28.65%
- 10Y*
- —
- ALL TIME*
- 17.28%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $8.33M | $7.67M | $6.82M | |
| $1.09M | $898.74K | $1.62M |
OVLY vs. AMAL - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | |
|---|---|---|---|---|---|---|---|---|---|
OVLY Oak Valley Bancorp | 14.01% | 5.11% | -0.71% | 33.87% | 32.37% | 6.53% | -13.03% | 7.90% | -9.81% |
AMAL Amalgamated Financial Corp. | 55.47% | -2.50% | 26.32% | 19.44% | 39.78% | 24.43% | -27.56% | 1.22% | 22.25% |
Correlation
The correlation between OVLY and AMAL is 0.64, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.64 |
Correlation (3Y) Balances recent behavior with more history. | 0.51 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.39 |
Correlation (All Time) Calculated using the full available price history since Aug 9, 2018 | 0.36 |
Over the past year, OVLY and AMAL have become more correlated (0.64) than their long-term average of 0.36, meaning their price movements have been converging.
Fundamentals
OVLY:
$284.96M
AMAL:
$1.47B
OVLY:
$2.88
AMAL:
$3.75
OVLY:
11.76
AMAL:
13.17
OVLY:
0.94
AMAL:
0.62
OVLY:
3.14
AMAL:
3.08
OVLY:
1.37
AMAL:
1.79
OVLY:
$89.67M
AMAL:
$485.42M
OVLY:
$81.82M
AMAL:
$338.80M
OVLY:
$30.93M
AMAL:
$156.66M
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Return for Risk
OVLY vs. AMAL — Risk / Return Rank
OVLY
AMAL
OVLY vs. AMAL - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Oak Valley Bancorp (OVLY) and Amalgamated Financial Corp. (AMAL). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| OVLY | AMAL | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.20 | ||
| Sortino ratioReturn per unit of downside risk | -1.30 | ||
| Omega ratioGain probability vs. loss probability | 1.23 | 1.39 | -0.17 |
| Calmar ratioReturn relative to maximum drawdown | 2.06 | 4.64 | -2.58 |
| Martin ratioReturn relative to average drawdown | 6.31 | 13.36 | -7.04 |
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Drawdowns
OVLY vs. AMAL - Drawdown Comparison
The maximum OVLY drawdown since its inception was -85.81%, which is greater than AMAL's maximum drawdown of -62.93%. Use the drawdown chart below to compare losses from any high point for OVLY and AMAL.
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Drawdown Indicators
| OVLY | AMAL | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -85.81% | -62.93% | -22.88% |
Max Drawdown (1Y)Largest decline over 1 year | -13.92% | -15.91% | +1.99% |
Max Drawdown (3Y)Largest decline over 3 years | -26.31% | -32.85% | +6.54% |
Max Drawdown (5Y)Largest decline over 5 years | -26.31% | -46.88% | +20.57% |
Max Drawdown (10Y)Largest decline over 10 years | -51.82% | — | — |
Current DrawdownCurrent decline from peak | -3.42% | -1.02% | -2.40% |
Average DrawdownAverage peak-to-trough decline | -38.87% | -19.60% | -19.27% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.54% | 5.53% | -0.99% |
Volatility
OVLY vs. AMAL - Volatility Comparison
Oak Valley Bancorp (OVLY) and Amalgamated Financial Corp. (AMAL) have volatilities of 7.64% and 7.43%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| OVLY | AMAL | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.64% | 7.43% | +0.21% |
Volatility (6M)Calculated over the trailing 6-month period | 15.48% | 19.05% | -3.57% |
Volatility (1Y)Calculated over the trailing 1-year period | 22.42% | 29.77% | -7.35% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.57% | 33.86% | -4.29% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 37.69% | 39.78% | -2.09% |
Dividends
OVLY vs. AMAL - Dividend Comparison
OVLY's dividend yield for the trailing twelve months is around 1.11%, less than AMAL's 1.26% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AMAL Amalgamated Financial Corp. | 1.26% | 1.75% | 1.37% | 1.48% | 1.56% | 1.91% | 2.33% | 1.34% | 0.31% | 0.00% | 0.00% | 0.00% |
OVLY Oak Valley Bancorp | 1.11% | 2.00% | 1.54% | 1.07% | 1.32% | 1.67% | 1.68% | 1.39% | 1.42% | 1.28% | 1.91% | 2.02% |
Financials
OVLY vs. AMAL - Financials Comparison
This section allows you to compare key financial metrics between Oak Valley Bancorp and Amalgamated Financial Corp.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
OVLY vs. AMAL - Profitability Comparison
OVLY - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Oak Valley Bancorp reported a gross profit of 20.31M and revenue of 20.78M. Therefore, the gross margin over that period was 97.8%.
AMAL - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Amalgamated Financial Corp. reported a gross profit of 93.93M and revenue of 129.47M. Therefore, the gross margin over that period was 72.6%.
OVLY - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Oak Valley Bancorp reported an operating income of 6.81M and revenue of 20.78M, resulting in an operating margin of 32.8%.
AMAL - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Amalgamated Financial Corp. reported an operating income of 46.62M and revenue of 129.47M, resulting in an operating margin of 36.0%.
OVLY - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Oak Valley Bancorp reported a net income of 5.31M and revenue of 20.78M, resulting in a net margin of 25.6%.
AMAL - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Amalgamated Financial Corp. reported a net income of 34.77M and revenue of 129.47M, resulting in a net margin of 26.9%.
Frequently Asked Questions
OVLY and AMAL have a correlation of 0.64, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
OVLY has higher volatility (7.64%) compared to AMAL (7.43%). In terms of maximum drawdown, OVLY dropped -85.81% vs AMAL's -62.93%.
AMAL currently has the higher Sharpe Ratio (2.48 vs 1.28), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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