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FB Bancorp, Inc. (FBLA) vs Oak Valley Bancorp (CA) (OVLY)

FB Bancorp, Inc. and Oak Valley Bancorp (CA) are both Banks Regional companies. FB Bancorp, Inc. and Oak Valley Bancorp (CA) are of similar size ($288.3M and $268.4M). FB Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; Oak Valley Bancorp (CA) trades at 12.1×. Oak Valley Bancorp (CA) grew revenue faster over the last twelve months: 6.24% against −6.79%. Oak Valley Bancorp (CA) has the higher net margin (24.1% vs −0.39%) and the higher return on invested capital (84.1% vs 0.53%). Across the 15 metrics below, Oak Valley Bancorp (CA) leads on 9 and FB Bancorp, Inc. on 6.

Valuation

Metric FBLA OVLY Banks Regional median
P/E n/m 12.13 11.87
P/S 3.48 2.92 2.35
P/B 0.88 1.31 1.23
Price to free cash flow 6.52 11.64 10.45
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (0.06%) 8.24% 8.34%
Free cash flow yield 15.35% 8.59% 9.37%

Profitability

Metric FBLA OVLY Banks Regional median
Gross margin 74.02% 85.97% 69.92%
Operating margin 0.00% 0.00% 0.00%
Net margin (0.39%) 24.05% 18.99%
Free cash flow margin 33.10% 25.10% 18.19%
Return on equity (0.09%) 11.64% 10.45%
Return on assets (0.02%) 1.20% 1.15%
Return on invested capital 0.53% 84.12% 8.54%

Growth

Metric FBLA OVLY Banks Regional median
Revenue growth (TTM) (6.79%) 6.24% 6.56%
EPS growth (last fiscal year) 104.02% (4.64%) 18.85%
Revenue growth, 5-year CAGR — 13.29% 12.65%
Net income growth, 5-year CAGR — 11.81% 9.81%

Health

Metric FBLA OVLY Banks Regional median
Debt to equity 0.39 0.00 0.14
Current ratio 0.97 0.78 0.92
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FBLA OVLY Banks Regional median
Dividend yield — 2.18% 2.51%
Payout ratio — 0.27 0.30

Size

Metric FBLA OVLY Banks Regional median
Market cap 268.41m 288.30m 915.17m

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