COMP <GO>

QNBC vs OVLY // RSI-14 & 200D SMA MOMENTUM

QNB Corp. (NASDAQ) VS. Oak Valley Bancorp (CA) (NASDAQ) • 15-METRIC TALLY: QNBC 3 — OVLY 4

▲ RSI-14 & 200D SMA MOMENTUM LEADER: QNBC

LAST: $47.14 (-0.32%) • MKT CAP: $293.1M

rsi-technicals

72.4

LAST: $34.48 (+0.76%) • MKT CAP: $290.1M

rsi-technicals

55.6

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

INSTITUTIONAL METRIC	QNBC	OVLY	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	10.90%	14.80%	-3.90	OVLY	/roic <GO>
EV/EBITDA & P/E Valuation	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	5.67%	8.47%	-2.80	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	1.71%	1.73%	-0.02	OVLY	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	5/9	4/9	+1.00	QNBC	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum ACTIVE	72.4	55.6	+16.80	QNBC	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	19.3x	8.7x	+10.60	OVLY	/forward-pe <GO>
Enterprise Scale & Market Cap	$293.1M	$290.1M	$3.1M	QNBC	/market-cap <GO>

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

FISCAL YEAR	QNBC REV	OVLY REV	QNBC GROSS %	OVLY GROSS %	QNBC FCF	OVLY FCF
FY 2025	$0	$0	—	—	$16.6M	$24.6M
FY 2024	$0	$0	—	—	$16.2M	$23.9M
FY 2023	$0	$0	—	—	$14.5M	$33.1M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

QNBC // BETA —

OVLY // BETA —