Oak Valley Bancorp (OVLY) Competitors

Old Second Bancorp (NASDAQ:OSBC) and Oak Valley Bancorp (NASDAQ:OVLY) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their dividends, media sentiment, analyst recommendations, earnings, institutional ownership, valuation, profitability and risk.

Which has better earnings and valuation, OSBC or OVLY?

Old Second Bancorp has higher revenue and earnings than Oak Valley Bancorp. Oak Valley Bancorp is trading at a lower price-to-earnings ratio than Old Second Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Old Second Bancorp	$341.72M	2.76	$85.26M	$1.83	9.78
Oak Valley Bancorp	$89.45M	2.63	$24.95M	$2.93	9.59

Which has more risk and volatility, OSBC or OVLY?

Old Second Bancorp has a beta of 0.85, meaning that its stock price is 15% less volatile than the S&P 500. Comparatively, Oak Valley Bancorp has a beta of 0.45, meaning that its stock price is 55% less volatile than the S&P 500.

Does the media refer more to OSBC or OVLY?

In the previous week, Old Second Bancorp had 5 more articles in the media than Oak Valley Bancorp. MarketBeat recorded 5 mentions for Old Second Bancorp and 0 mentions for Oak Valley Bancorp. Old Second Bancorp's average media sentiment score of 1.24 beat Oak Valley Bancorp's score of 0.00 indicating that Old Second Bancorp is being referred to more favorably in the media.

Company	Overall Sentiment
Old Second Bancorp	Positive
Oak Valley Bancorp	Neutral

Do analysts recommend OSBC or OVLY?

Old Second Bancorp currently has a consensus target price of $21.38, indicating a potential upside of 19.48%. Given Old Second Bancorp's stronger consensus rating and higher possible upside, research analysts plainly believe Old Second Bancorp is more favorable than Oak Valley Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Old Second Bancorp	0 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	1 Strong Buy rating(s)	3.00
Oak Valley Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Do institutionals & insiders believe in OSBC or OVLY?

67.8% of Old Second Bancorp shares are held by institutional investors. Comparatively, 30.9% of Oak Valley Bancorp shares are held by institutional investors. 3.8% of Old Second Bancorp shares are held by insiders. Comparatively, 18.1% of Oak Valley Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Is OSBC or OVLY a better dividend stock?

Old Second Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.3%. Oak Valley Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 2.1%. Old Second Bancorp pays out 13.1% of its earnings in the form of a dividend. Oak Valley Bancorp pays out 20.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Old Second Bancorp has raised its dividend for 1 consecutive years and Oak Valley Bancorp has raised its dividend for 11 consecutive years. Oak Valley Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Is OSBC or OVLY more profitable?

Oak Valley Bancorp has a net margin of 26.38% compared to Old Second Bancorp's net margin of 24.38%. Oak Valley Bancorp's return on equity of 13.12% beat Old Second Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Old Second Bancorp	24.38%	12.53%	1.51%
Oak Valley Bancorp	26.38%	13.12%	1.27%

Summary

Old Second Bancorp beats Oak Valley Bancorp on 14 of the 20 factors compared between the two stocks.