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

OVLY has the lower trailing P/E: OVLY trades at 12.24 and PMTS at 21.62. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, OVLY or PMTS?

Over the past five years, PMTS grew revenue faster — OVLY at a 10.09% CAGR versus PMTS at 10.96%.

Does OVLY or PMTS pay a bigger dividend?

OVLY pays a dividend (2.21% yield), while PMTS is a former payer with no current dividend run rate.

Is OVLY or PMTS more profitable?

OVLY runs the higher net margin — OVLY at 26.91% versus PMTS at 2.34%.

How have OVLY and PMTS total returns compared?

Over the past 10 years, OVLY delivered 14.49% and PMTS delivered -1.73% annualized total return. Past performance doesn't predict future results.

Oak Valley Bancorp (OVLY) vs CPI Card Group Inc. (PMTS)

A side-by-side comparison of Oak Valley Bancorp and CPI Card Group Inc. 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.

OVLY

Oak Valley Bancorp

$291M

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

PMTS

CPI Card Group Inc.

$285M

$24.86Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

Total return — OVLY vs PMTS

growth of $100 · dividends reinvested · last 10y

OVLY +285.4% (+14.4%/yr)PMTS -16.2% (-1.8%/yr)OVLY compounded faster over this window

OVLY PMTS

OVLY vs PMTS: by the numbers

•OVLY is the larger company ($291M vs $285M market cap).
•OVLY trades at the lower trailing earnings multiple (12.24 vs 21.62 P/E), one valuation lens rather than an overall verdict.
•OVLY converts more revenue to profit (26.91% vs 2.34% net margin).
•PMTS grew revenue faster over the past five years (10.96% vs 10.09% CAGR).
•OVLY pays a dividend (2.21% yield), while PMTS is a former payer with no current dividend run rate.

Metrics side by side

Valuation

Metric	OVLY	PMTS
P/E ratio	12.24	21.62
Forward P/E	N/A	8.33
PEG ratio	1.08	N/A
P/S ratio	3.33	0.49
P/B ratio	1.34	N/A
EV / EBITDA	N/A	6.94
FCF yield	N/A	26.83%

Profitability

Metric	OVLY	PMTS
Gross margin	N/A	30.97%
Operating margin	34.33%	9.22%
Net margin	26.91%	2.34%
ROE	10.81%	N/A
ROIC	N/A	11.81%

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

Growth (annualized)

Metric	OVLY	PMTS
Revenue CAGR (5Y)	10.09%	10.96%
EPS CAGR (5Y)	11.54%	-1.73%
FCF CAGR (5Y)	N/A	26.55%
Total return CAGR (5Y)	15.86%	-4.16%

Frequently asked

Which has the lower trailing P/E, OVLY or PMTS?: OVLY has the lower trailing P/E: OVLY trades at 12.24 and PMTS at 21.62. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, OVLY or PMTS?: Over the past five years, PMTS grew revenue faster — OVLY at a 10.09% CAGR versus PMTS at 10.96%.
Does OVLY or PMTS pay a bigger dividend?: OVLY pays a dividend (2.21% yield), while PMTS is a former payer with no current dividend run rate.
Is OVLY or PMTS more profitable?: OVLY runs the higher net margin — OVLY at 26.91% versus PMTS at 2.34%.
How have OVLY and PMTS total returns compared?: Over the past 10 years, OVLY delivered 14.49% and PMTS delivered -1.73% annualized total return. Past performance doesn't predict future results.

Go deeper

Full OVLY analysis Full PMTS analysis Interactive comparison tool

Dig into the metrics

Oak Valley Bancorp P/E ratio CPI Card P/E ratio Oak Valley Bancorp dividend yield Oak Valley Bancorp ROE CPI Card ROE Oak Valley Bancorp operating margin CPI Card operating margin Oak Valley Bancorp revenue growth CPI Card revenue growth CPI Card free cash flow

Oak Valley Bancorp & CPI Card appear in these rankings

Highest Dividend Yield Stocks Highest Operating Margin Stocks Highest FCF Yield Stocks Highest 10-Year Total Return 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.