Oak View National Bank (OAKV) AI Stock Analysis

• Market Cap: $40.20M
• Dividend Yield: 2%
• Average Volume (3M): 439.00
• Price to Earnings (P/E): 6.4
• Beta (1Y): 0.07
• Revenue Growth: 28.11%
• EPS Growth: 45.50%
• Country: US
• Employees: 51
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.49
• Shares Outstanding: 2,956,157
• 10 Day Avg. Volume: 372
• 30 Day Avg. Volume: 439
• PEG Ratio: 0.18
• Price to Book (P/B): 1.31
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 64 Neutral
• Price Target: ―

Oak View National Bank demonstrates strong financial performance with steady revenue growth and profitability. However, high leverage and erratic cash flows pose potential risks. Technical analysis reflects a bearish trend, while valuation metrics suggest the stock might be undervalued, offering some upside potential. Investors should weigh these factors carefully, considering the stock's current technical weakness against its attractive valuation.

Oak View National Bank Business Overview & Revenue Model

Company Description

Oak View National Bank (OAKV) is a community-focused financial institution providing a range of banking services to individuals and businesses. Operating primarily in the retail banking sector, the bank offers various products including personal and business checking and savings accounts, loans, mortgages, and online banking services. Its core mission is to deliver personalized banking solutions that cater to the unique needs of its local clients, while fostering economic growth in the communities it serves.

How the Company Makes Money

Oak View National Bank generates revenue primarily through the interest income on loans and mortgages extended to customers. The bank also earns money from service fees associated with maintaining accounts and transaction processing. Additionally, OAKV benefits from the spread between the interest rates on deposits and loans, known as the net interest margin. The bank may engage in partnerships with local businesses to offer co-branded financial products or community development projects, which can contribute to its earnings. The focus on personalized service helps OAKV maintain a loyal customer base, which is crucial for sustaining its revenue streams.

Oak View National Bank Financial Statement Overview

Summary

Overall, Oak View National Bank demonstrates solid revenue growth and profitability, supported by effective cost management. However, the high leverage and inconsistent cash flow performance could pose risks if not addressed. Strengthening cash flow management and reducing debt levels could enhance the financial health of the company.

Income Statement

The income statement shows a strong growth trajectory with total revenue increasing steadily over the years. The gross profit margin is robust, indicating effective cost management. The net profit margin has also improved, reflecting enhanced profitability. However, there is a slight inconsistency in EBITDA margin performance, which is an area for potential improvement.

Balance Sheet

The balance sheet indicates a relatively high debt-to-equity ratio, suggesting leveraged operations which could pose a financial risk. However, the return on equity is healthy, demonstrating effective use of equity to generate profits. The equity ratio is moderate, indicating a balanced proportion of equity in the asset base.

Cash Flow

Cash flow statements reveal a concerning decline in free cash flow due to significant capital expenditures. The operating cash flow has been erratic, affecting the cash flow to net income ratios negatively. This volatility calls for improved cash management strategies to stabilize free cash flows.

Breakdown
Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
16.73M	16.06M	12.85M	11.47M	9.28M
	Gross Profit
29.87M	16.06M	12.85M	11.47M	9.28M
	EBIT
7.15M	3.79M	3.10M	2.54M	2.55M
	EBITDA
5.50M	223.16K	3.28M	210.20K	2.76M
	Net Income Common Stockholders
4.21M	3.06M	2.47M	2.02M	2.04M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
8.87M	8.74M	49.96M	10.90M	19.07M
	Total Assets
600.16M	498.10M	345.14M	284.67M	263.74M
	Total Debt
48.63M	39.21M	14.90M	16.90M	29.80M
	Net Debt
39.77M	30.47M	-35.06M	6.00M	10.73M
	Total Liabilities
567.49M	471.09M	316.50M	258.36M	29.80M
	Stockholders Equity
32.67M	27.02M	28.63M	26.31M	24.16M
Cash Flow		Free Cash Flow
-1.87M	4.87M	1.69M	-41.24M	1.98M
	Operating Cash Flow
-1.26M	9.59M	2.62M	2.66M	2.13M
	Investing Cash Flow
-99.33M	-160.75M	-51.69M	-20.48M	-25.91M
	Financing Cash Flow
100.44M	146.72M	58.61M	18.70M	23.22M

Oak View National Bank Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 13.50
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OAKV, the sentiment is Neutral. The current price of 13.5 is below the 20-day moving average (MA) of 13.58, below the 50-day MA of 13.93, and below the 200-day MA of 14.09, indicating a neutral trend. The MACD of -0.10 indicates Negative momentum. The RSI at 45.47 is Neutral, neither overbought nor oversold. The STOCH value of 72.05 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for OAKV.

Oak View National Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HFBL	76 Outperform	$40.63M	11.95	6.24%	3.97%	-2.69%	-21.26%
OPHC	75 Outperform	$52.06M	3.32	15.30%	―	43.98%	37.57%
OAKV	64 Neutral	$40.20M	6.44	15.38%	2.00%	28.11%	45.50%
Sector *	64 Neutral	$12.64B	9.78	7.67%	17015.08%	12.23%	-6.02%
CLST	57 Neutral	$48.68M	21.14	2.70%	―	152.27%	―
ASRV	55 Neutral	$42.95M	11.88	3.36%	4.71%	7.80%	―