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

OVLY has the lower trailing P/E: FNRN trades at 12.70 and OVLY at 12.24. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, FNRN or OVLY?

Over the past five years, OVLY grew revenue faster — FNRN at a 9.62% CAGR versus OVLY at 10.09%.

Does FNRN or OVLY pay a bigger dividend?

OVLY pays a dividend (2.21% yield), while FNRN has no payments in the available dividend history.

Is FNRN or OVLY more profitable?

OVLY runs the higher net margin — FNRN at 25.21% versus OVLY at 26.91%.

How have FNRN and OVLY total returns compared?

Over the past 10 years, FNRN delivered 13.41% and OVLY delivered 14.49% annualized total return. Past performance doesn't predict future results.

First Northern Community Bancorp (FNRN) vs Oak Valley Bancorp (OVLY)

A side-by-side comparison of First Northern Community Bancorp 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.

FNRN

First Northern Community Bancorp

$290M

$17.65Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

OVLY

Oak Valley Bancorp

$291M

$34.53Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

Total return — FNRN vs OVLY

growth of $100 · dividends reinvested · last 10y

FNRN +251.1% (+13.4%/yr)OVLY +285.4% (+14.4%/yr)OVLY compounded faster over this window

FNRN OVLY

FNRN vs OVLY: by the numbers

•OVLY is the larger company ($291M vs $290M market cap).
•OVLY trades at the lower trailing earnings multiple (12.24 vs 12.70 P/E), one valuation lens rather than an overall verdict.
•OVLY converts more revenue to profit (26.91% vs 25.21% net margin).
•OVLY grew revenue faster over the past five years (10.09% vs 9.62% CAGR).
•OVLY pays a dividend (2.21% yield), while FNRN has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	FNRN	OVLY
P/E ratio	12.70	12.24
PEG ratio	1.03	1.08
P/S ratio	3.23	3.33
P/B ratio	1.33	1.34

Profitability

Metric	FNRN	OVLY
Operating margin	31.96%	34.33%
Net margin	25.21%	26.91%
ROE	10.42%	10.81%

First Northern Community 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.

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	FNRN	OVLY
Dividend yield	N/A	2.21%
Payout ratio	N/A	26.60%

Growth (annualized)

Metric	FNRN	OVLY
Revenue CAGR (5Y)	9.62%	10.09%
EPS CAGR (5Y)	12.61%	11.54%
Total return CAGR (5Y)	15.84%	15.86%

Frequently asked

Which has the lower trailing P/E, FNRN or OVLY?: OVLY has the lower trailing P/E: FNRN trades at 12.70 and OVLY at 12.24. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, FNRN or OVLY?: Over the past five years, OVLY grew revenue faster — FNRN at a 9.62% CAGR versus OVLY at 10.09%.
Does FNRN or OVLY pay a bigger dividend?: OVLY pays a dividend (2.21% yield), while FNRN has no payments in the available dividend history.
Is FNRN or OVLY more profitable?: OVLY runs the higher net margin — FNRN at 25.21% versus OVLY at 26.91%.
How have FNRN and OVLY total returns compared?: Over the past 10 years, FNRN delivered 13.41% and OVLY delivered 14.49% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FNRN analysis Full OVLY analysis Interactive comparison tool

Dig into the metrics

First Northern Community Bancorp P/E ratio Oak Valley Bancorp P/E ratio Oak Valley Bancorp dividend yield First Northern Community Bancorp ROE Oak Valley Bancorp ROE First Northern Community Bancorp operating margin Oak Valley Bancorp operating margin First Northern Community Bancorp revenue growth Oak Valley Bancorp revenue growth

First Northern Community Bancorp & 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.