COMP <GO>
OVLY vs VABK // EV/EBITDA & P/E VALUATION
Oak Valley Bancorp (CA) (NASDAQ) VS. Virginia National Bankshares Corporation (NASDAQ) • 15-METRIC TALLY: OVLY 5
— VABK 1
■ METRIC PARITY
LAST: $34.48 (+0.76%) • MKT CAP: $290.1M
valuation
—
LAST: $51.19 (+5.14%) • MKT CAP: $277.7M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (OVLY VS. VABK)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | OVLY | VABK | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 14.80% | 10.50% | +4.30 | OVLY | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.47% | 7.47% | +1.00 | OVLY | /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 | 1.73% | 0.00% | +1.73 | OVLY | /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 | 55.0 | 61.5 | -6.59 | VABK | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 8.7x | 13.4x | -4.70 | OVLY | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $290.1M | $277.7M | $12.3M | OVLY | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | OVLY REV | VABK REV | OVLY GROSS % | VABK GROSS % | OVLY FCF | VABK FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $24.6M | $20.8M |
| FY 2024 | $0 | $0 | — | — | $23.9M | $14.6M |
| FY 2023 | $0 | — | — | — | $33.1M | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
OVLY // BETA —
VABK // BETA —