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LCNB Corporation (LCNB) vs Oak Valley Bancorp (CA) (OVLY)

LCNB Corporation and Oak Valley Bancorp (CA) are both Banks Regional companies. LCNB Corporation and Oak Valley Bancorp (CA) are of similar size ($288.3M and $278.5M). LCNB Corporation trades at the lower P/E: 11.2× against 12.1×. Oak Valley Bancorp (CA) grew revenue faster over the last twelve months: 6.24% against −1.78%. Oak Valley Bancorp (CA) has the higher net margin (24.1% vs 0.00%) and the higher return on invested capital (84.1% vs 0.00%). Both pay a dividend; LCNB Corporation yields more (4.50% vs 2.18%). Across the 19 metrics below, Oak Valley Bancorp (CA) leads on 10 and LCNB Corporation on 9.

Valuation

Metric LCNB OVLY Banks Regional median
P/E 11.17 12.10 12.02
P/S 2.23 2.91 2.36
P/B 0.98 1.31 1.23
Price to free cash flow 7.62 11.61 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.96% 8.27% 8.21%
Free cash flow yield 13.12% 8.61% 9.23%

Profitability

Metric LCNB OVLY Banks Regional median
Gross margin 78.45% 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 0.00% 11.64% 10.28%
Return on assets 0.00% 1.20% 1.13%
Return on invested capital 0.00% 84.12% 8.45%

Growth

Metric LCNB OVLY Banks Regional median
Revenue growth (TTM) (1.78%) 6.24% 6.37%
EPS growth (last fiscal year) 68.04% (4.64%) 18.85%
Revenue growth, 5-year CAGR 9.38% 13.29% 12.65%
Net income growth, 5-year CAGR 2.91% 11.81% 9.81%

Health

Metric LCNB OVLY Banks Regional median
Debt to equity 0.25 0.00 0.17
Current ratio 0.94 0.78 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric LCNB OVLY Banks Regional median
Dividend yield 4.50% 2.18% 2.49%
Payout ratio 0.50 0.27 0.29

Size

Metric LCNB OVLY Banks Regional median
Market cap 278.54m 288.30m 934.85m

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