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

FUNC has the lower trailing P/E: FUNC trades at 11.29 and OVLY at 12.22. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, FUNC or OVLY?

Over the past five years, OVLY grew revenue faster — FUNC at a 9.73% CAGR versus OVLY at 10.09%.

Does FUNC or OVLY pay a bigger dividend?

FUNC yields 2.40% and OVLY yields 2.21% based on trailing dividends and the latest price.

Is FUNC or OVLY more profitable?

OVLY runs the higher net margin — FUNC at 20.38% versus OVLY at 26.91%.

How have FUNC and OVLY total returns compared?

Over the past 10 years, FUNC delivered 16.71% and OVLY delivered 14.49% annualized total return. Past performance doesn't predict future results.

First United Corporation (FUNC) vs Oak Valley Bancorp (OVLY)

A side-by-side comparison of First United 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.

FUNC

First United Corporation

$281M

$43.58Financial ServicesDelayed quote: Oct 6, 2026, 11:49 AM EDT

OVLY

Oak Valley Bancorp

$290M

$34.45Financial ServicesDelayed quote: Oct 6, 2026, 11:49 AM EDT

Total return — FUNC vs OVLY

growth of $100 · dividends reinvested · last 10y

FUNC +363.4% (+16.6%/yr)OVLY +285.4% (+14.4%/yr)FUNC compounded faster over this window

FUNC OVLY

FUNC vs OVLY: by the numbers

•OVLY is the larger company ($290M vs $281M market cap).
•FUNC trades at the lower trailing earnings multiple (11.29 vs 12.22 P/E), one valuation lens rather than an overall verdict.
•OVLY converts more revenue to profit (26.91% vs 20.38% net margin).
•OVLY grew revenue faster over the past five years (10.09% vs 9.73% CAGR).
•FUNC pays the higher dividend yield (2.40% vs 2.21%).

Metrics side by side

Valuation

Metric	FUNC	OVLY
P/E ratio	11.29	12.22
Forward P/E	9.80	N/A
PEG ratio	0.86	1.07
P/S ratio	2.29	3.33
P/B ratio	1.32	1.34

Profitability

Metric	FUNC	OVLY
Operating margin	26.93%	34.33%
Net margin	20.38%	26.91%
ROE	11.80%	10.81%

First United 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	FUNC	OVLY
Dividend yield	2.40%	2.21%
Payout ratio	26.94%	26.60%

Growth (annualized)

Metric	FUNC	OVLY
Revenue CAGR (5Y)	9.73%	10.09%
EPS CAGR (5Y)	13.13%	11.54%
Total return CAGR (5Y)	22.43%	15.86%

Frequently asked

Which has the lower trailing P/E, FUNC or OVLY?: FUNC has the lower trailing P/E: FUNC trades at 11.29 and OVLY at 12.22. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, FUNC or OVLY?: Over the past five years, OVLY grew revenue faster — FUNC at a 9.73% CAGR versus OVLY at 10.09%.
Does FUNC or OVLY pay a bigger dividend?: FUNC yields 2.40% and OVLY yields 2.21% based on trailing dividends and the latest price.
Is FUNC or OVLY more profitable?: OVLY runs the higher net margin — FUNC at 20.38% versus OVLY at 26.91%.
How have FUNC and OVLY total returns compared?: Over the past 10 years, FUNC delivered 16.71% and OVLY delivered 14.49% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FUNC analysis Full OVLY analysis Interactive comparison tool

Dig into the metrics

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

First United & 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.