COMP <GO>
OVLY vs LCNB // DIVIDEND YIELD & FCF PAYOUT SAFETY
Oak Valley Bancorp (CA) (NASDAQ) VS. LCNB Corporation (NASDAQ) • 15-METRIC TALLY: OVLY 3
— LCNB 4
▲ DIVIDEND YIELD & FCF PAYOUT SAFETY LEADER: LCNB
LAST: $34.48 (+0.76%) • MKT CAP: $290.1M
dividend-safety
1.73%
LAST: $19.93 (+1.48%) • MKT CAP: $284.1M
dividend-safety
4.39%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (OVLY VS. LCNB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | OVLY | LCNB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 14.80% | 8.40% | +6.40 | OVLY | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.47% | 11.77% | -3.30 | LCNB | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety ACTIVE | 1.73% | 4.39% | -2.66 | LCNB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 5/9 | -1.00 | LCNB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 55.0 | 58.9 | -3.92 | LCNB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 8.7x | 11.4x | -2.70 | OVLY | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $290.1M | $284.1M | $6.0M | OVLY | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | OVLY REV | LCNB REV | OVLY GROSS % | LCNB GROSS % | OVLY FCF | LCNB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $24.6M | $33.4M |
| FY 2024 | $0 | $0 | — | — | $23.9M | $89.4M |
| FY 2023 | $0 | $0 | — | — | $33.1M | $23.4M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
OVLY // BETA —
LCNB // BETA —