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Oak Valley Bancorp (CA) (OVLY) vs QNB Corp. (QNBC)

Oak Valley Bancorp (CA) and QNB Corp. are both Banks Regional companies. Oak Valley Bancorp (CA) and QNB Corp. are of similar size ($291.4M and $288.3M). QNB Corp. has negative trailing earnings, so its P/E is not meaningful; Oak Valley Bancorp (CA) trades at 12.1×. Oak Valley Bancorp (CA) grew revenue faster over the last twelve months: 6.24% against −8.86%. Oak Valley Bancorp (CA) has the higher net margin (24.1% vs −5.63%) and the higher return on invested capital (84.1% vs 0.00%). Both pay a dividend; QNB Corp. yields more (3.30% vs 2.18%). Across the 17 metrics below, QNB Corp. leads on 9 and Oak Valley Bancorp (CA) on 8.

Valuation

Metric OVLY QNBC Banks Regional median
P/E 12.10 n/m 12.02
P/S 2.91 2.91 2.36
P/B 1.31 1.15 1.23
Price to free cash flow 11.61 10.82 10.60
EV/EBITDA — n/m —
EV/Sales — 1.81 —
Earnings yield 8.27% (0.53%) 8.21%
Free cash flow yield 8.61% 9.24% 9.23%

Profitability

Metric OVLY QNBC Banks Regional median
Gross margin 85.97% 51.09% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.05% (5.63%) 18.82%
Free cash flow margin 25.10% 26.92% 17.97%
Return on equity 11.64% (2.88%) 10.28%
Return on assets 1.20% (0.24%) 1.13%
Return on invested capital 84.12% 0.00% 8.45%

Growth

Metric OVLY QNBC Banks Regional median
Revenue growth (TTM) 6.24% (8.86%) 6.37%
EPS growth (last fiscal year) (4.64%) 21.15% 18.85%
Revenue growth, 5-year CAGR 13.29% 14.19% 12.65%
Net income growth, 5-year CAGR 11.81% 3.12% 9.81%

Health

Metric OVLY QNBC Banks Regional median
Debt to equity 0.00 0.00 0.17
Current ratio 0.78 0.84 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric OVLY QNBC Banks Regional median
Dividend yield 2.18% 3.30% 2.49%
Payout ratio 0.27 0.46 0.29

Size

Metric OVLY QNBC Banks Regional median
Market cap 288.30m 291.40m 934.85m

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