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Fvcbankcorp, Inc. (FVCB) vs Oak Valley Bancorp (CA) (OVLY)

Fvcbankcorp, Inc. and Oak Valley Bancorp (CA) are both Banks Regional companies. Fvcbankcorp, Inc. and Oak Valley Bancorp (CA) are of similar size ($293.8M and $288.3M). Fvcbankcorp, Inc. trades at the lower P/E: 10.9× against 12.1×. Oak Valley Bancorp (CA) grew revenue faster over the last twelve months: 6.24% against 5.74%. Oak Valley Bancorp (CA) has the higher net margin (24.1% vs 0.00%) and the higher return on invested capital (84.1% vs 7.40%). Both pay a dividend; Oak Valley Bancorp (CA) yields more (2.18% vs 1.66%). Across the 19 metrics below, Oak Valley Bancorp (CA) leads on 11 and Fvcbankcorp, Inc. on 8.

Valuation

Metric FVCB OVLY Banks Regional median
P/E 10.87 12.10 12.02
P/S 2.33 2.91 2.36
P/B 1.09 1.31 1.23
Price to free cash flow 9.83 11.61 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.20% 8.27% 8.21%
Free cash flow yield 10.18% 8.61% 9.23%

Profitability

Metric FVCB OVLY Banks Regional median
Gross margin 58.99% 85.97% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 0.00% 24.05% 18.82%
Free cash flow margin 0.00% 25.10% 17.97%
Return on equity 10.38% 11.64% 10.28%
Return on assets 1.16% 1.20% 1.13%
Return on invested capital 7.40% 84.12% 8.45%

Growth

Metric FVCB OVLY Banks Regional median
Revenue growth (TTM) 5.74% 6.24% 6.37%
EPS growth (last fiscal year) 47.56% (4.64%) 18.85%
Revenue growth, 5-year CAGR 11.76% 13.29% 12.65%
Net income growth, 5-year CAGR 7.31% 11.81% 9.81%

Health

Metric FVCB OVLY Banks Regional median
Debt to equity 0.09 0.00 0.17
Current ratio 1.03 0.78 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FVCB OVLY Banks Regional median
Dividend yield 1.66% 2.18% 2.49%
Payout ratio 0.18 0.27 0.29

Size

Metric FVCB OVLY Banks Regional median
Market cap 293.78m 288.30m 934.85m

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