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First Northern Community Bancorp (FNRN) vs Oak Valley Bancorp (CA) (OVLY)

First Northern Community Bancorp and Oak Valley Bancorp (CA) are both Banks Regional companies. First Northern Community Bancorp and Oak Valley Bancorp (CA) are of similar size ($282.3M and $273.3M). Oak Valley Bancorp (CA) trades at the lower P/E: 12.0× against 12.2×. Oak Valley Bancorp (CA) grew revenue faster over the last twelve months: 6.24% against 4.54%. First Northern Community Bancorp has the higher net margin (25.0% vs 24.1%) and the lower return on invested capital (18.7% vs 84.1%). Across the 17 metrics below, Oak Valley Bancorp (CA) leads on 14 and First Northern Community Bancorp on 3.

Valuation

Metric FNRN OVLY Banks Regional median
P/E 12.22 11.95 11.98
P/S 2.99 2.88 2.34
P/B 1.25 1.29 1.19
Price to free cash flow 42.79 11.47 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.18% 8.37% 8.23%
Free cash flow yield 2.34% 8.72% 9.08%

Profitability

Metric FNRN OVLY Banks Regional median
Gross margin 83.21% 85.97% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.97% 24.05% 18.66%
Free cash flow margin 6.99% 25.10% 21.11%
Return on equity 10.98% 11.64% 10.65%
Return on assets 1.19% 1.20% 1.13%
Return on invested capital 18.73% 84.12% 8.35%

Growth

Metric FNRN OVLY Banks Regional median
Revenue growth (TTM) 4.54% 6.24% 6.98%
EPS growth (last fiscal year) 7.54% (4.64%) 18.88%
Revenue growth, 5-year CAGR 9.30% 13.29% 12.38%
Net income growth, 5-year CAGR 11.68% 11.81% 9.71%

Health

Metric FNRN OVLY Banks Regional median
Debt to equity 0.00 0.00 0.22
Current ratio 0.75 0.78 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FNRN OVLY Banks Regional median
Dividend yield — 2.21% 2.57%
Payout ratio — 0.27 0.30

Size

Metric FNRN OVLY Banks Regional median
Market cap 273.31m 282.25m 913.33m

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