OVLY PEER ANALYSIS

Oak Valley Bancorp — metric-by-metric comparison with peers and the industry median

OVLYOak Valley Bancorp

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

OVLYIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	OVLY	ISBTR	ICBCT	TSKB	NWG	ISATR	Ind. Median
P/E	11.78	—	15.65	2.96●	9.16	—	12.88
P/B	1.37	31,504.34	3.99	0.71●	1.41	294,240.03	1.29
EV/EBITDA	—	418,782.20	-9.21●	2.21	-8.43	3,913,015.14	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	OVLY	ISBTR	ICBCT	TSKB	NWG	ISATR	Ind. Median
Current Ratio	0.09	—	—	—	0.25●	—	0.31
Debt/Equity	—	0.0%●	0.0%●	0.0%●	17.0%	0.0%●	38.0%
NetDebt/EBITDA	—	-28.33	-20.34	-0.47	-14.68	-28.34●	-0.58

Profitability
Metric	OVLY	ISBTR	ICBCT	TSKB	NWG	ISATR	Ind. Median
Net Margin	26.7%	28.1%	24.7%	54.9%●	20.1%	28.1%	20.6%
ROE	12.3%	20.2%	28.9%●	27.4%	14.9%	20.2%	10.9%
ROA	1.2%	1.8%	1.1%	3.7%●	0.8%	1.8%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	OVLY	ISBTR	ICBCT	TSKB	NWG	ISATR	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-2.4%	71.8%●	—	-1.3%	16.0%	71.7%	19.4%
Div. Yield	2.0%	—	—	—	4.8%●	—	2.5%
Payout	23.7%	—	—	—	—	—	31.4%

Valuation
Metric	OVLY	NWFL	CFFI	BPRN	ATLO	FDBC	Ind. Median
P/E	11.78	11.48	9.52●	13.63	12.23	10.30	12.88
P/B	1.37	1.04	1.01	0.97●	1.27	1.25	1.29
EV/EBITDA	—	4.50	-1.48	1.88	-13.94●	-0.12	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	OVLY	NWFL	CFFI	BPRN	ATLO	FDBC	Ind. Median
Current Ratio	0.09	0.10	1.35	0.12	53.78●	0.13	0.31
Debt/Equity	—	31.1%	38.9%	7.8%	26.5%	6.4%●	38.0%
NetDebt/EBITDA	—	-4.09	-8.44	-7.78	-23.31●	-7.75	-0.58

Profitability
Metric	OVLY	NWFL	CFFI	BPRN	ATLO	FDBC	Ind. Median
Net Margin	26.7%●	19.1%	14.9%	14.2%	21.6%	20.9%	20.6%
ROE	12.3%	10.2%	11.3%	7.2%	11.0%	13.0%●	10.9%
ROA	1.2%●	1.0%	1.0%	0.9%	1.0%	1.1%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	OVLY	NWFL	CFFI	BPRN	ATLO	FDBC	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-2.4%	2,080.7%●	29.4%	72.6%	89.7%	36.5%	19.4%
Div. Yield	2.0%	3.9%●	2.2%	3.3%	2.1%	3.1%	2.5%
Payout	23.7%	47.1%	21.4%	46.6%	34.6%	32.3%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.