First Western Financial, Inc. (MYFW) vs Oak Valley Bancorp (CA) (OVLY)

First Western Financial, Inc. and Oak Valley Bancorp (CA) are both Banks Regional companies. First Western Financial, Inc. and Oak Valley Bancorp (CA) are of similar size ($300.4M and $288.3M). Oak Valley Bancorp (CA) trades at the lower P/E: 12.1× against 14.1×. First Western Financial, Inc. grew revenue faster over the last twelve months: 6.35% against 6.24%. Oak Valley Bancorp (CA) has the higher net margin (24.1% vs 10.9%) and the higher return on invested capital (84.1% vs 5.53%). Across the 18 metrics below, Oak Valley Bancorp (CA) leads on 13 and First Western Financial, Inc. on 5.

Valuation

Metric MYFW OVLY Banks Regional median
P/E 14.11 12.10 12.02
P/S 1.55 2.91 2.36
P/B 1.04 1.31 1.23
Price to free cash flow 13.03 11.61 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.09% 8.27% 8.21%
Free cash flow yield 7.67% 8.61% 9.23%

Profitability

Metric MYFW OVLY Banks Regional median
Gross margin 57.23% 85.97% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 10.94% 24.05% 18.82%
Free cash flow margin 11.87% 25.10% 17.97%
Return on equity 7.73% 11.64% 10.28%
Return on assets 0.64% 1.20% 1.13%
Return on invested capital 5.53% 84.12% 8.45%

Growth

Metric MYFW OVLY Banks Regional median
Revenue growth (TTM) 6.35% 6.24% 6.37%
EPS growth (last fiscal year) 55.17% (4.64%) 18.85%
Revenue growth, 5-year CAGR 12.26% 13.29% 12.65%
Net income growth, 5-year CAGR (11.68%) 11.81% 9.81%

Health

Metric MYFW OVLY Banks Regional median
Debt to equity 0.64 0.00 0.17
Current ratio 1.02 0.78 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric MYFW OVLY Banks Regional median
Dividend yield — 2.18% 2.49%
Payout ratio — 0.27 0.29

Size

Metric MYFW OVLY Banks Regional median
Market cap 300.39m 288.30m 934.85m

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