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National Bankshares, Inc. (NKSH) vs Oak Valley Bancorp (CA) (OVLY)

National Bankshares, Inc. and Oak Valley Bancorp (CA) are both Banks Regional companies. National Bankshares, Inc. and Oak Valley Bancorp (CA) are of similar size ($282.3M and $276.0M). Oak Valley Bancorp (CA) trades at the lower P/E: 12.0× against 13.6×. Oak Valley Bancorp (CA) grew revenue faster over the last twelve months: 6.24% against 5.28%. Oak Valley Bancorp (CA) has the higher net margin (24.1% vs 23.2%) and the higher return on invested capital (84.1% vs 11.2%). Both pay a dividend; National Bankshares, Inc. yields more (3.52% vs 2.21%). Across the 18 metrics below, Oak Valley Bancorp (CA) leads on 16 and National Bankshares, Inc. on 2.

Valuation

Metric NKSH OVLY Banks Regional median
P/E 13.62 11.95 11.98
P/S 3.16 2.88 2.34
P/B 1.44 1.29 1.19
Price to free cash flow 15.00 11.47 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.34% 8.37% 8.23%
Free cash flow yield 6.67% 8.72% 9.08%

Profitability

Metric NKSH OVLY Banks Regional median
Gross margin 69.15% 85.97% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.22% 24.05% 18.66%
Free cash flow margin 21.07% 25.10% 21.11%
Return on equity 11.25% 11.64% 10.65%
Return on assets 1.12% 1.20% 1.13%
Return on invested capital 11.23% 84.12% 8.35%

Growth

Metric NKSH OVLY Banks Regional median
Revenue growth (TTM) 5.28% 6.24% 6.98%
EPS growth (last fiscal year) 100.81% (4.64%) 18.88%
Revenue growth, 5-year CAGR 10.43% 13.29% 12.38%
Net income growth, 5-year CAGR (0.31%) 11.81% 9.71%

Health

Metric NKSH OVLY Banks Regional median
Debt to equity 0.00 0.00 0.22
Current ratio 0.65 0.78 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric NKSH OVLY Banks Regional median
Dividend yield 3.52% 2.21% 2.57%
Payout ratio 0.48 0.27 0.30

Size

Metric NKSH OVLY Banks Regional median
Market cap 275.97m 282.25m 913.33m

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