Oak Valley Bancorp (CA) (OVLY) vs Western New England Bancorp (WNEB)

Oak Valley Bancorp (CA) and Western New England Bancorp are both Banks Regional companies. Oak Valley Bancorp (CA) and Western New England Bancorp are of similar size ($285.8M and $278.0M). Oak Valley Bancorp (CA) trades at the lower P/E: 12.0× against 16.6×. Oak Valley Bancorp (CA) grew revenue faster over the last twelve months: 6.24% against 6.11%. Oak Valley Bancorp (CA) has the higher net margin (24.1% vs 12.4%) and the higher return on invested capital (84.1% vs 5.33%). Both pay a dividend; Western New England Bancorp yields more (3.51% vs 1.57%). Across the 20 metrics below, Oak Valley Bancorp (CA) leads on 15 and Western New England Bancorp on 5.

Valuation

Metric OVLY WNEB Banks Regional median
P/E 12.03 16.63 12.15
P/S 2.90 2.05 2.37
P/B 1.30 1.11 1.21
Price to free cash flow 11.55 16.02 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.21 2.10 2.27
Earnings yield 8.31% 6.01% 8.11%
Free cash flow yield 8.66% 6.24% 8.98%

Profitability

Metric OVLY WNEB Banks Regional median
Gross margin 85.97% 65.46% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.05% 12.43% 18.66%
Free cash flow margin 25.10% 12.80% 21.18%
Return on equity 11.64% 6.87% 10.64%
Return on assets 1.20% 0.62% 1.13%
Return on invested capital 84.12% 5.33% 8.33%

Growth

Metric OVLY WNEB Banks Regional median
Revenue growth (TTM) 6.24% 6.11% 6.61%
EPS growth (last fiscal year) (4.64%) 33.93% —
Revenue growth, 5-year CAGR 13.29% 7.32% 12.30%
Net income growth, 5-year CAGR 11.81% 6.37% 9.71%

Health

Metric OVLY WNEB Banks Regional median
Debt to equity 0.00 0.18 0.22
Current ratio 0.78 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric OVLY WNEB Banks Regional median
Dividend yield 1.57% 3.51% 3.75%
Payout ratio 0.08 0.25 0.27

Size

Metric OVLY WNEB Banks Regional median
Market cap 285.78m 278.04m 921.07m

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