Five Star Bancorp vs Oak Valley Bancorp
FSBC and OVLY side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How FSBC and OVLY compare
Five Star Bancorp is the larger company, worth 3.8 times as much as Oak Valley Bancorp ($1.1B against $290M).
On earnings, Oak Valley Bancorp is cheaper: it trades at 12.4× trailing earnings, against 12.6× for Five Star Bancorp.
Five Star Bancorp grew revenue faster over the last twelve months (26.0% versus 5.8% for Oak Valley Bancorp).
Five Star Bancorp keeps more of each dollar of sales as profit, with a net margin of 41.0% compared with 27.5% at Oak Valley Bancorp.
Both pay dividends: Five Star Bancorp yields 2.3% and Oak Valley Bancorp 2.2%.
Five Star Bancorp scores higher on the StockData Score (13 against 9 for Oak Valley Bancorp), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | FSBC | OVLY |
|---|---|---|
| Size and price | ||
| Market cap | $1.1B | $290M |
| Share price | $44.31 | $34.42 |
| Change, 1 year | 26.1% | 20.1% |
| Change, 5 years | 43.6% | 97.1% |
| Beta (5Y) | 0.81 | 0.37 |
| Employees | 233 | 245 |
| StockData Score | ||
| Total score | 13 (better) | 9 |
| Valuation score | 0 | 1 (better) |
| Growth score | 3 (better) | 0 |
| Performance score | 4 (better) | 3 |
| Health score | 3 (better) | 2 |
| Dividend score | 3 | 3 |
| Valuation | ||
| P/E | 12.6× | 12.4× (better) |
| P/S | 5.7× | 3.4× (better) |
| P/B | 1.8× | 1.5× (better) |
| P/FCF | 12.3× | 10.6× (better) |
| PEG | 3.51 (better) | 11.64 |
| FCF yield | 8.1% | 9.4% (better) |
| Fair value | $39.54 | $29.36 |
| Margin of safety | −12.1% (better) | −17.2% |
| Growth | ||
| Revenue growth (TTM) | 26.0% (better) | 5.8% |
| Revenue growth, 5Y average | 16.3% (better) | 10.4% |
| Net income growth (TTM) | 35.4% (better) | −1.6% |
| EPS growth (TTM) | 30.7% (better) | −2.5% |
| EPS growth, 5Y average | −4.1% | 11.4% (better) |
| Profitability | ||
| Net margin | 41.0% (better) | 27.5% |
| FCF margin | 46.6% (better) | 32.3% |
| Return on equity | 14.8% (better) | 11.9% |
| Financial health | ||
| Altman Z-score | 0.21 | 0.29 (better) |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 2.3% (better) | 2.2% |
| Payout ratio | 27.2% | 27.2% |
| Years of dividend growth | 0 | 5 (better) |
| Dividend growth, 5Y average | −21.2% | 33.8% (better) |
| Shareholder yield | 2.3% (better) | 2.2% |
| Ownership | ||
| Held by institutions | 52.9% | 35.0% |
| Held by insiders | 18.1% | 22.9% |
| Insider net buying, 12 months | $5.3M (better) | $94.5K |
| Short interest, % of float | 6.1% | 0.99% |
Go deeper
- FSBC stock overview
- FSBC income statement
- FSBC valuation and score
- OVLY stock overview
- OVLY income statement
- OVLY valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.