Oak Valley Bancorp (NASDAQ:OVLY – Get Rating) and Pacific Premier Bancorp (NASDAQ:PPBI – Get Rating) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, dividends, risk, profitability, valuation and earnings.
Valuation and Earnings
This table compares Oak Valley Bancorp and Pacific Premier Bancorp's top-line revenue, earnings per share (EPS) and valuation.
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| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio |
| Oak Valley Bancorp | $55.23 million | 2.73 | $16.34 million | $1.79 | 10.21 |
| Pacific Premier Bancorp | $804.59 million | 4.01 | $339.89 million | $3.27 | 10.39 |
Pacific Premier Bancorp has higher revenue and earnings than Oak Valley Bancorp. Oak Valley Bancorp is trading at a lower price-to-earnings ratio than Pacific Premier Bancorp, indicating that it is currently the more affordable of the two stocks.
Risk and Volatility
Oak Valley Bancorp has a beta of 0.37, indicating that its stock price is 63% less volatile than the S&P 500. Comparatively, Pacific Premier Bancorp has a beta of 1.24, indicating that its stock price is 24% more volatile than the S&P 500.
Profitability
This table compares Oak Valley Bancorp and Pacific Premier Bancorp's net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets |
| Oak Valley Bancorp | 26.56% | 11.00% | 0.76% |
| Pacific Premier Bancorp | 38.46% | 11.07% | 1.45% |
Dividends
Oak Valley Bancorp pays an annual dividend of $0.30 per share and has a dividend yield of 1.6%. Pacific Premier Bancorp pays an annual dividend of $1.32 per share and has a dividend yield of 3.9%. Oak Valley Bancorp pays out 16.8% of its earnings in the form of a dividend. Pacific Premier Bancorp pays out 40.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Oak Valley Bancorp has raised its dividend for 8 consecutive years and Pacific Premier Bancorp has raised its dividend for 2 consecutive years.
Institutional & Insider Ownership
26.3% of Oak Valley Bancorp shares are owned by institutional investors. Comparatively, 91.9% of Pacific Premier Bancorp shares are owned by institutional investors. 19.1% of Oak Valley Bancorp shares are owned by insiders. Comparatively, 2.2% of Pacific Premier Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Analyst Recommendations
This is a breakdown of current ratings and target prices for Oak Valley Bancorp and Pacific Premier Bancorp, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score |
| Oak Valley Bancorp | 0 | 0 | 0 | 0 | N/A |
| Pacific Premier Bancorp | 0 | 1 | 0 | 1 | 3.00 |
Pacific Premier Bancorp has a consensus target price of $40.33, indicating a potential upside of 18.77%. Given Pacific Premier Bancorp's higher possible upside, analysts plainly believe Pacific Premier Bancorp is more favorable than Oak Valley Bancorp.
Summary
Pacific Premier Bancorp beats Oak Valley Bancorp on 13 of the 16 factors compared between the two stocks.
About Oak Valley Bancorp
(Get Rating)
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 consisting of automobile loans, home mortgage loans, revolving lines of credit, and other personal loans. In addition, the company provides online banking, remote deposit capture, mobile banking, merchant, night depository, extended hours, wire transfer of funds, and note collection services, as well as automated teller machines. As of December 31, 2021, it operated through seventeen full-service branch offices in Oakdale, Sonora, Bridgeport, Bishop, Mammoth Lakes, Modesto, Manteca, Patterson, Turlock, Tracy, Ripon, Stockton, Escalon, California, and Sacramento. The company was incorporated in 1990 and is headquartered in Oakdale, California.
About Pacific Premier Bancorp
(Get Rating)
Pacific Premier Bancorp, Inc. operates as the bank holding company for Pacific Premier Bank that provides banking services to businesses, professionals, real estate investors, and non-profit organizations. The company accepts deposit products, such as checking, money market, and savings accounts; and certificates of deposit. Its loan portfolio includes commercial real estate owner and non-owner-occupied, multifamily, construction and land, franchise real estate secured, small business administration (SBA), and SBA paycheck protection program loans; revolving lines or credit, term loans, seasonal loans, and loans secured by liquid collateral; one-to-four family and home equity lines of credit loans; and savings account secured loans and auto loans. The company also offers cash management, electronic banking, treasury management, and online bill payment services. It operates 61 full-service depository branches located in Arizona, California, Nevada, Oregon, and Washington. Pacific Premier Bancorp, Inc. was founded in 1983 and is headquartered in Irvine, California.
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