Summit State Bank (NASDAQ:SSBI – Get Free Report) and Oak Valley Bancorp (NASDAQ:OVLY – Get Free Report) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their analyst recommendations, profitability, institutional ownership, risk, dividends, valuation and earnings.
Institutional & Insider Ownership
30.9% of Oak Valley Bancorp shares are owned by institutional investors. 13.9% of Oak Valley Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
Profitability
This table compares Summit State Bank and Oak Valley Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Summit State Bank | 10.18% | N/A | N/A |
| Oak Valley Bancorp | 24.80% | 11.99% | 1.20% |
Analyst Ratings
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Summit State Bank | 0 | 1 | 0 | 0 | 2.00 |
| Oak Valley Bancorp | 0 | 0 | 1 | 0 | 3.00 |
Volatility & Risk
Summit State Bank has a beta of 0.18, suggesting that its share price is 82% less volatile than the S&P 500. Comparatively, Oak Valley Bancorp has a beta of 0.21, suggesting that its share price is 79% less volatile than the S&P 500.
Valuation and Earnings
This table compares Summit State Bank and Oak Valley Bancorp”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Summit State Bank | $58.82 million | 1.59 | $6.80 million | $0.89 | 15.54 |
| Oak Valley Bancorp | $95.04 million | 2.93 | $23.91 million | $2.88 | 11.49 |
Oak Valley Bancorp has higher revenue and earnings than Summit State Bank. Oak Valley Bancorp is trading at a lower price-to-earnings ratio than Summit State Bank, indicating that it is currently the more affordable of the two stocks.
Summary
Oak Valley Bancorp beats Summit State Bank on 12 of the 13 factors compared between the two stocks.
About Summit State Bank
Summit State Bank engages in providing an array of financial services to small and medium-sized businesses, their owners and employees, entrepreneurs, high net worth families, foundations, estates, and individual consumers. It specializes in business services, personal accounts, nonprofit programs, and mobile banking ranging from lending, checking, merchant, eBanking, automated teller machines, equity loans, and others. The company was founded on December 20, 1982 and is headquartered in Santa Rosa, CA.
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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