Which has the lower trailing P/E, ATLO or OVLY?

OVLY has the lower trailing P/E: ATLO trades at 12.50 and OVLY at 12.18. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, ATLO or OVLY?

Over the past five years, OVLY grew revenue faster — ATLO at a 6.95% CAGR versus OVLY at 10.09%.

Does ATLO or OVLY pay a bigger dividend?

ATLO yields 2.88% and OVLY yields 2.21% based on trailing dividends and the latest price.

Is ATLO or OVLY more profitable?

OVLY runs the higher net margin — ATLO at 22.64% versus OVLY at 26.91%.

How have ATLO and OVLY total returns compared?

Over the past 10 years, ATLO delivered 5.91% and OVLY delivered 14.49% annualized total return. Past performance doesn't predict future results.

Ames National Corporation (ATLO) vs Oak Valley Bancorp (OVLY)

A side-by-side comparison of Ames National Corporation and Oak Valley Bancorp across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

ATLO

Ames National Corporation

$286M

$32.26Financial ServicesDelayed quote: Oct 6, 2026, 2:49 PM EDT

OVLY

Oak Valley Bancorp

$289M

$34.34Financial ServicesDelayed quote: Oct 6, 2026, 2:41 PM EDT

Total return — ATLO vs OVLY

growth of $100 · dividends reinvested · last 10y

ATLO +79.2% (+6.0%/yr)OVLY +285.4% (+14.4%/yr)OVLY compounded faster over this window

ATLO OVLY

ATLO vs OVLY: by the numbers

•OVLY is the larger company ($289M vs $286M market cap).
•OVLY trades at the lower trailing earnings multiple (12.18 vs 12.50 P/E), one valuation lens rather than an overall verdict.
•OVLY converts more revenue to profit (26.91% vs 22.64% net margin).
•OVLY grew revenue faster over the past five years (10.09% vs 6.95% CAGR).
•ATLO pays the higher dividend yield (2.88% vs 2.21%).

Metrics side by side

Valuation

Metric	ATLO	OVLY
P/E ratio	12.50	12.18
Forward P/E	11.86	N/A
PEG ratio	16.24	1.07
P/S ratio	2.82	3.31
P/B ratio	1.34	1.33

Profitability

Metric	ATLO	OVLY
Operating margin	28.32%	34.33%
Net margin	22.64%	26.91%
ROE	10.78%	10.81%

Ames National Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Oak Valley Bancorp: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	ATLO	OVLY
Dividend yield	2.88%	2.21%
Payout ratio	35.66%	26.60%

Growth (annualized)

Metric	ATLO	OVLY
Revenue CAGR (5Y)	6.95%	10.09%
EPS CAGR (5Y)	0.77%	11.54%
Total return CAGR (5Y)	11.51%	15.86%

Frequently asked

Which has the lower trailing P/E, ATLO or OVLY?: OVLY has the lower trailing P/E: ATLO trades at 12.50 and OVLY at 12.18. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, ATLO or OVLY?: Over the past five years, OVLY grew revenue faster — ATLO at a 6.95% CAGR versus OVLY at 10.09%.
Does ATLO or OVLY pay a bigger dividend?: ATLO yields 2.88% and OVLY yields 2.21% based on trailing dividends and the latest price.
Is ATLO or OVLY more profitable?: OVLY runs the higher net margin — ATLO at 22.64% versus OVLY at 26.91%.
How have ATLO and OVLY total returns compared?: Over the past 10 years, ATLO delivered 5.91% and OVLY delivered 14.49% annualized total return. Past performance doesn't predict future results.

Go deeper

Full ATLO analysis Full OVLY analysis Interactive comparison tool

Dig into the metrics

Ames National P/E ratio Oak Valley Bancorp P/E ratio Ames National dividend yield Oak Valley Bancorp dividend yield Ames National ROE Oak Valley Bancorp ROE Ames National operating margin Oak Valley Bancorp operating margin Ames National revenue growth Oak Valley Bancorp revenue growth

Ames National & Oak Valley Bancorp appear in these rankings

Highest Dividend Yield Stocks Highest Operating Margin Stocks Highest 10-Year Total Return Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.