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NewtekOne, Inc. (NEWT) vs Oak Valley Bancorp (CA) (OVLY)

NewtekOne, Inc. and Oak Valley Bancorp (CA) are both Banks Regional companies. NewtekOne, Inc. and Oak Valley Bancorp (CA) are of similar size ($308.3M and $288.3M). NewtekOne, Inc. trades at the lower P/E: 4.8× against 12.1×. NewtekOne, Inc. grew revenue faster over the last twelve months: 11.7% against 6.24%. Oak Valley Bancorp (CA) has the higher net margin (24.1% vs 15.2%) and the higher return on invested capital (84.1% vs 5.17%). Both pay a dividend; NewtekOne, Inc. yields more (7.10% vs 2.18%). Across the 20 metrics below, NewtekOne, Inc. leads on 12 and Oak Valley Bancorp (CA) on 8.

Valuation

Metric NEWT OVLY Banks Regional median
P/E 4.78 12.10 12.02
P/S 0.75 2.91 2.36
P/B 0.84 1.31 1.23
Price to free cash flow n/m 11.61 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 20.93% 8.27% 8.21%
Free cash flow yield (242.49%) 8.61% 9.23%

Profitability

Metric NEWT OVLY Banks Regional median
Gross margin 100.00% 85.97% 69.81%
Operating margin 62.85% 0.00% 0.00%
Net margin 15.20% 24.05% 18.82%
Free cash flow margin (181.88%) 25.10% 17.97%
Return on equity 18.79% 11.64% 10.28%
Return on assets 2.33% 1.20% 1.13%
Return on invested capital 5.17% 84.12% 8.45%

Growth

Metric NEWT OVLY Banks Regional median
Revenue growth (TTM) 11.71% 6.24% 6.37%
EPS growth (last fiscal year) 11.22% (4.64%) 18.85%
Revenue growth, 5-year CAGR 32.97% 13.29% 12.65%
Net income growth, 5-year CAGR 11.59% 11.81% 9.81%

Health

Metric NEWT OVLY Banks Regional median
Debt to equity 6.54 0.00 0.17
Current ratio 0.65 0.78 0.93
Net debt to EBITDA 11.44 0.00 0.00

Dividend

Metric NEWT OVLY Banks Regional median
Dividend yield 7.10% 2.18% 2.49%
Payout ratio 0.34 0.27 0.29

Size

Metric NEWT OVLY Banks Regional median
Market cap 308.28m 288.30m 934.85m

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