COMP <GO>

FUNC vs OVLY // EV/EBITDA & P/E VALUATION

First United Corporation (NASDAQ) VS. Oak Valley Bancorp (CA) (NASDAQ) • 15-METRIC TALLY: FUNC 3 — OVLY 3

■ METRIC PARITY

LAST: $46.62 (+1.70%) • MKT CAP: $295.8M

valuation

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LAST: $34.85 (+1.22%) • MKT CAP: $289.6M

valuation

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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FUNC VS. OVLY) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	FUNC	OVLY	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	12.00%	14.80%	-2.80	OVLY	/roic <GO>
EV/EBITDA & P/E Valuation ACTIVE	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	5.19%	8.47%	-3.28	OVLY	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	68.00%	—	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	4.00%	—	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	2.01%	1.73%	+0.28	FUNC	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	4/9	4/9	0.00	TIE	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	58.4	54.8	+3.60	FUNC	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	11.3x	8.7x	+2.60	OVLY	/forward-pe <GO>
Enterprise Scale & Market Cap	$295.8M	$289.6M	$6.2M	FUNC	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	FUNC REV	OVLY REV	FUNC GROSS %	OVLY GROSS %	FUNC FCF	OVLY FCF
FY 2025	$18.4M	$849.7M	—	—	$15.4M	$24.6M
FY 2024	$17.7M	$798.3M	—	—	$20.4M	$23.9M
FY 2023	$16.7M	$125.6M	—	—	$22.5M	$33.1M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

FUNC // BETA —

OVLY // BETA —