Franklin Financial Services Corporation (FRAF) vs Oak Valley Bancorp (OVLY)
A side-by-side comparison of Franklin Financial Services 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.
Total return — FRAF vs OVLY
growth of $100 · dividends reinvested · last 10yFRAF vs OVLY: by the numbers
- •OVLY is the larger company ($293M vs $284M market cap).
- •FRAF trades at the lower trailing earnings multiple (11.52 vs 12.34 P/E), one valuation lens rather than an overall verdict.
- •OVLY converts more revenue to profit (26.91% vs 18.24% net margin).
- •FRAF grew revenue faster over the past five years (17.02% vs 10.09% CAGR).
- •OVLY pays the higher dividend yield (2.21% vs 2.13%).
Metrics side by side
Valuation
| Metric | FRAF | OVLY |
|---|---|---|
| P/E ratio | 11.52 | 12.34 |
| Forward P/E | 10.92 | N/A |
| PEG ratio | 1.14 | 1.08 |
| P/S ratio | 2.10 | 3.36 |
| P/B ratio | 1.55 | 1.35 |
Profitability
| Metric | FRAF | OVLY |
|---|---|---|
| Operating margin | 22.72% | 34.33% |
| Net margin | 18.24% | 26.91% |
| ROE | 13.41% | 10.81% |
Franklin Financial Services 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 | FRAF | OVLY |
|---|---|---|
| Dividend yield | 2.13% | 2.21% |
| Payout ratio | 24.41% | 26.60% |
Growth (annualized)
| Metric | FRAF | OVLY |
|---|---|---|
| Revenue CAGR (5Y) | 17.02% | 10.09% |
| EPS CAGR (5Y) | 10.03% | 11.54% |
| Total return CAGR (5Y) | 18.89% | 15.86% |
Frequently asked
- Which has the lower trailing P/E, FRAF or OVLY?
- FRAF has the lower trailing P/E: FRAF trades at 11.52 and OVLY at 12.34. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, FRAF or OVLY?
- Over the past five years, FRAF grew revenue faster — FRAF at a 17.02% CAGR versus OVLY at 10.09%.
- Does FRAF or OVLY pay a bigger dividend?
- FRAF yields 2.13% and OVLY yields 2.21% based on trailing dividends and the latest price.
- Is FRAF or OVLY more profitable?
- OVLY runs the higher net margin — FRAF at 18.24% versus OVLY at 26.91%.
- How have FRAF and OVLY total returns compared?
- Over the past 10 years, FRAF delivered 13.94% and OVLY delivered 14.49% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Franklin Financial Services & Oak Valley Bancorp appear in these rankings
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.