First National of Nebraska (OTCMKTS:FINN – Get Free Report) and Oak Valley Bancorp (NASDAQ:OVLY – Get Free Report) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their valuation, risk, institutional ownership, dividends, earnings, analyst recommendations and profitability.
Analyst Recommendations
This is a breakdown of recent recommendations and price targets for First National of Nebraska and Oak Valley Bancorp, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| First National of Nebraska | 0 | 0 | 0 | 0 | 0.00 |
| Oak Valley Bancorp | 0 | 0 | 1 | 0 | 3.00 |
Earnings & Valuation
This table compares First National of Nebraska and Oak Valley Bancorp”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| First National of Nebraska | $3.35 billion | 1.49 | $532.96 million | N/A | N/A |
| Oak Valley Bancorp | $95.04 million | 2.98 | $23.91 million | $2.88 | 11.68 |
First National of Nebraska has higher revenue and earnings than Oak Valley Bancorp.
Profitability
This table compares First National of Nebraska and Oak Valley Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| First National of Nebraska | N/A | N/A | N/A |
| Oak Valley Bancorp | 24.80% | 11.99% | 1.20% |
Insider & Institutional Ownership
0.7% of First National of Nebraska shares are held by institutional investors. Comparatively, 30.9% of Oak Valley Bancorp shares are held by institutional investors. 41.7% of First National of Nebraska shares are held by company insiders. Comparatively, 13.9% of Oak Valley Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.
Volatility & Risk
First National of Nebraska has a beta of 0.18, indicating that its share price is 82% less volatile than the S&P 500. Comparatively, Oak Valley Bancorp has a beta of 0.21, indicating that its share price is 79% less volatile than the S&P 500.
Dividends
First National of Nebraska pays an annual dividend of $160.00 per share and has a dividend yield of 0.9%. Oak Valley Bancorp pays an annual dividend of $0.75 per share and has a dividend yield of 2.2%. Oak Valley Bancorp pays out 26.0% of its earnings in the form of a dividend. Oak Valley Bancorp has raised its dividend for 11 consecutive years. Oak Valley Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Summary
Oak Valley Bancorp beats First National of Nebraska on 10 of the 14 factors compared between the two stocks.
About First National of Nebraska
First National of Nebraska, Inc. operates as the bank holding company for First National Bank of Omaha that provides various banking products and services. The company offers checking, savings, and individual retirement accounts; certificates of deposit; and credit cards. It also provides personal loans and lines of credit; auto loans; mortgage loans; home equity lines of credit and loans; small business loans and lines of credit; small business administration loans; and commercial lending solutions. In addition, the company offers treasury management, debt consolidation, financial planning, retirement planning, wealth management, merchant, and payroll services; and personal, commercial, and farm insurance products. Further, it provides solutions for agribusiness, commercial real estate, healthcare, transportation, and correspondent banking; investment services, such as capital market and institutional asset management; and digital banking services. First National of Nebraska, Inc. was founded in 1857 and is headquartered in Omaha, Nebraska.
About Oak Valley Bancorp
Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank that provides a range of commercial banking services to individuals and small to medium-sized businesses in the Central Valley and the Eastern Sierras. The company's deposits products include checking and savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. It also offers commercial real estate loans, commercial business lending and trade finance, and small business administration lending, as well as consumer loans, including automobile loans, home mortgages, credit lines, and other personal loans. In addition, the company provides online and mobile banking, remote deposit capture, merchant, night depository, extended hours, wire transfer of funds, note collection services, and automated teller machines. The company was incorporated in 1990 and is headquartered in Oakdale, California.
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