Flagstar Bank, National Association (NYSE:FLG – Get Free Report) and Oak Valley Bancorp (NASDAQ:OVLY – Get Free Report) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their analyst recommendations, profitability, earnings, dividends, valuation, risk and institutional ownership.
Dividends
Flagstar Bank, National Association pays an annual dividend of $0.04 per share and has a dividend yield of 0.3%. Oak Valley Bancorp pays an annual dividend of $0.75 per share and has a dividend yield of 2.2%. Flagstar Bank, National Association pays out 133.3% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Oak Valley Bancorp pays out 26.6% of its earnings in the form of a dividend. Oak Valley Bancorp has increased 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.
Insider and Institutional Ownership
67.9% of Flagstar Bank, National Association shares are owned by institutional investors. Comparatively, 30.9% of Oak Valley Bancorp shares are owned by institutional investors. 21.4% of Flagstar Bank, National Association shares are owned by company insiders. Comparatively, 13.9% of Oak Valley Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.
Analyst Recommendations
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Flagstar Bank, National Association | 0 | 4 | 10 | 0 | 2.71 |
| Oak Valley Bancorp | 0 | 0 | 1 | 0 | 3.00 |
Flagstar Bank, National Association presently has a consensus target price of $16.96, suggesting a potential upside of 31.22%. Given Flagstar Bank, National Association’s higher probable upside, research analysts clearly believe Flagstar Bank, National Association is more favorable than Oak Valley Bancorp.
Profitability
This table compares Flagstar Bank, National Association and Oak Valley Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Flagstar Bank, National Association | 1.08% | 0.98% | 0.08% |
| Oak Valley Bancorp | 24.05% | 11.31% | 1.17% |
Volatility and Risk
Flagstar Bank, National Association has a beta of 0.99, suggesting that its stock price is 1% less volatile than the S&P 500. Comparatively, Oak Valley Bancorp has a beta of 0.21, suggesting that its stock price is 79% less volatile than the S&P 500.
Earnings and Valuation
This table compares Flagstar Bank, National Association 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 | |
| Flagstar Bank, National Association | $2.09 billion | 2.57 | -$177.00 million | $0.03 | 430.80 |
| Oak Valley Bancorp | $83.84 million | 3.47 | $23.91 million | $2.82 | 12.26 |
Oak Valley Bancorp has lower revenue, but higher earnings than Flagstar Bank, National Association. Oak Valley Bancorp is trading at a lower price-to-earnings ratio than Flagstar Bank, National Association, indicating that it is currently the more affordable of the two stocks.
Summary
Oak Valley Bancorp beats Flagstar Bank, National Association on 10 of the 17 factors compared between the two stocks.
About Flagstar Bank, National Association
Flagstar Financial, Inc. operates as the bank holding company for Flagstar Bank, N.A. that provides banking products and services in the United States. The company’s deposit products include interest-bearing checking and money market, savings, non-interest-bearing, and retirement accounts, as well as certificates of deposit. Its loan products comprise multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial and industrial loans; one-to-four family loans; specialty finance loans and leases; warehouse loans; and other loans, such as home equity lines of credit, boat and recreational vehicle indirect lending, point of sale consumer loans, and other consumer loans, including overdraft loans. The company offers cash management products; non-deposit investment and insurance products; and online banking, mobile banking, and bank-by-phone services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as New York Community Bancorp, Inc. and changed its name to Flagstar Financial, Inc. in October 2024. Flagstar Financial, Inc. was founded in 1859 and is headquartered in Hicksville, New York.
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.
Receive News & Ratings for Flagstar Bank National Association Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Flagstar Bank National Association and related companies with MarketBeat.com's FREE daily email newsletter.
