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Isabella Bank Corporation (ISBA) vs Oak Valley Bancorp (CA) (OVLY)

Isabella Bank Corporation and Oak Valley Bancorp (CA) are both Banks Regional companies. Isabella Bank Corporation and Oak Valley Bancorp (CA) are of similar size ($282.3M and $280.1M). Oak Valley Bancorp (CA) trades at the lower P/E: 12.0× against 13.5×. Isabella Bank Corporation grew revenue faster over the last twelve months: 11.1% against 6.24%. Oak Valley Bancorp (CA) has the higher net margin (24.1% vs 16.8%) and the higher return on invested capital (84.1% vs 6.67%). Both pay a dividend; Isabella Bank Corporation yields more (3.06% vs 2.21%). Across the 19 metrics below, Oak Valley Bancorp (CA) leads on 13 and Isabella Bank Corporation on 6.

Valuation

Metric ISBA OVLY Banks Regional median
P/E 13.46 11.95 11.98
P/S 2.25 2.88 2.34
P/B 1.08 1.29 1.19
Price to free cash flow 11.51 11.47 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.43% 8.37% 8.23%
Free cash flow yield 8.69% 8.72% 9.08%

Profitability

Metric ISBA OVLY Banks Regional median
Gross margin 71.72% 85.97% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.78% 24.05% 18.66%
Free cash flow margin 19.59% 25.10% 21.11%
Return on equity 8.51% 11.64% 10.65%
Return on assets 0.91% 1.20% 1.13%
Return on invested capital 6.67% 84.12% 8.35%

Growth

Metric ISBA OVLY Banks Regional median
Revenue growth (TTM) 11.11% 6.24% 6.98%
EPS growth (last fiscal year) 37.63% (4.64%) 18.88%
Revenue growth, 5-year CAGR 7.34% 13.29% 12.38%
Net income growth, 5-year CAGR 11.68% 11.81% 9.71%

Health

Metric ISBA OVLY Banks Regional median
Debt to equity 0.12 0.00 0.22
Current ratio 0.84 0.78 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ISBA OVLY Banks Regional median
Dividend yield 3.06% 2.21% 2.57%
Payout ratio 0.41 0.27 0.30

Size

Metric ISBA OVLY Banks Regional median
Market cap 280.06m 282.25m 913.33m

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