GBank Financial Holdings Inc. (GBFH) vs Oak Valley Bancorp (CA) (OVLY)

GBank Financial Holdings Inc. and Oak Valley Bancorp (CA) are both Banks Regional companies. GBank Financial Holdings Inc. and Oak Valley Bancorp (CA) are of similar size ($285.8M and $274.2M). Oak Valley Bancorp (CA) trades at the lower P/E: 12.0× against 14.8×. GBank Financial Holdings Inc. grew revenue faster over the last twelve months: 20.0% against 6.24%. Oak Valley Bancorp (CA) has the higher net margin (24.1% vs 15.4%) and the higher return on invested capital (84.1% vs 23.9%). Across the 17 metrics below, Oak Valley Bancorp (CA) leads on 9 and GBank Financial Holdings Inc. on 8.

Valuation

Metric GBFH OVLY Banks Regional median
P/E 14.82 12.03 12.15
P/S 2.31 2.90 2.37
P/B 1.60 1.30 1.21
Price to free cash flow 8.91 11.55 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.38 1.21 2.27
Earnings yield 6.75% 8.31% 8.11%
Free cash flow yield 11.22% 8.66% 8.98%

Profitability

Metric GBFH OVLY Banks Regional median
Gross margin 68.90% 85.97% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.44% 24.05% 18.66%
Free cash flow margin 25.93% 25.10% 21.18%
Return on equity 11.39% 11.64% 10.64%
Return on assets 1.39% 1.20% 1.13%
Return on invested capital 23.93% 84.12% 8.33%

Growth

Metric GBFH OVLY Banks Regional median
Revenue growth (TTM) 19.95% 6.24% 6.61%
EPS growth (last fiscal year) 5.11% (4.64%) —
Revenue growth, 5-year CAGR — 13.29% 12.30%
Net income growth, 5-year CAGR — 11.81% 9.71%

Health

Metric GBFH OVLY Banks Regional median
Debt to equity 0.18 0.00 0.22
Current ratio 1.02 0.78 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric GBFH OVLY Banks Regional median
Dividend yield — 1.57% 3.75%
Payout ratio — 0.08 0.27

Size

Metric GBFH OVLY Banks Regional median
Market cap 274.22m 285.78m 921.07m

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