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Princeton Bancorp, Inc. (BPRN) vs Oak Valley Bancorp (CA) (OVLY)

Princeton Bancorp, Inc. and Oak Valley Bancorp (CA) are both Banks Regional companies. Princeton Bancorp, Inc. and Oak Valley Bancorp (CA) are of similar size ($295.6M and $282.3M). Princeton Bancorp, Inc. trades at the lower P/E: 11.5× against 12.0×. Oak Valley Bancorp (CA) grew revenue faster over the last twelve months: 6.24% against −2.79%. Oak Valley Bancorp (CA) has the higher net margin (24.1% vs 19.0%) and the higher return on invested capital (84.1% vs 9.78%). Both pay a dividend; Princeton Bancorp, Inc. yields more (3.19% vs 2.21%). Across the 18 metrics below, Oak Valley Bancorp (CA) leads on 10 and Princeton Bancorp, Inc. on 8.

Valuation

Metric BPRN OVLY Banks Regional median
P/E 11.52 11.95 11.98
P/S 2.20 2.88 2.34
P/B 1.07 1.29 1.19
Price to free cash flow 12.79 11.47 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.68% 8.37% 8.23%
Free cash flow yield 7.82% 8.72% 9.08%

Profitability

Metric BPRN OVLY Banks Regional median
Gross margin 63.21% 85.97% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.99% 24.05% 18.66%
Free cash flow margin 17.17% 25.10% 21.11%
Return on equity 9.54% 11.64% 10.65%
Return on assets 1.13% 1.20% 1.13%
Return on invested capital 9.78% 84.12% 8.35%

Growth

Metric BPRN OVLY Banks Regional median
Revenue growth (TTM) (2.79%) 6.24% 6.98%
EPS growth (last fiscal year) 74.84% (4.64%) 18.88%
Revenue growth, 5-year CAGR 15.90% 13.29% 12.38%
Net income growth, 5-year CAGR 6.15% 11.81% 9.71%

Health

Metric BPRN OVLY Banks Regional median
Debt to equity 0.00 0.00 0.22
Current ratio 0.94 0.78 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BPRN OVLY Banks Regional median
Dividend yield 3.19% 2.21% 2.57%
Payout ratio 0.37 0.27 0.30

Size

Metric BPRN OVLY Banks Regional median
Market cap 295.56m 282.25m 913.33m

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