GS
The Goldman Sachs Group, Inc.
GS has the edge over OVLY overall, supported by stronger valuation and stronger fundamentals.
OVLY
Oak Valley Bancorp
OVLY trails on the overall score without a compensating advantage in the available component scores.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
OVLY Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
OVLY's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like OVLY.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
OVLY PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.7x | $21.46 | -38% |
| Fair | 9.3x | $25.93 | -25% |
| Expensive | 12x | $32.28 | -6.6% |
| Current | 12x | $34.57 | — |
Historical ranges are pointers, not guarantees.
OVLY has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
OVLY Forward outlook
There aren't enough analyst estimates for OVLY to show an outlook.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over OVLY on earnings, with more consistent year-over-year improvement.
OVLY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $2.78 | -2.5% |
| Q2 2026 | $2.82 | -3.8% |
| Q1 2026 | $2.88 | -3% |
| Q4 2025 | $2.88 | -4.6% |
| Q3 2025 | $2.85 | -5.3% |
| Q2 2025 | $2.93 | -2.7% |
| Q1 2025 | $2.97 | -11% |
| Q4 2024 | $3.02 | -19% |
OVLY's earnings per share have fallen from their peak: $2.78 over the past year, against $4.18 in late 2023.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS has the edge over OVLY on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
OVLY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $21.7M | +2.3% |
| Q2 2026 | $20.6M | +3.8% |
| Q1 2026 | $20.8M | +7% |
| Q4 2025 | $21.3M | +10% |
| Q3 2025 | $21.2M | +8.6% |
| Q2 2025 | $19.9M | +4.2% |
| Q1 2025 | $19.4M | +3.5% |
| Q4 2024 | $19.3M | -2% |
OVLY's revenue has grown year over year for seven quarters in a row: $22M last quarter, up 2.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 38% | -2.5 points |
| Q2 2026 | 31% | -4.9 points |
| Q1 2026 | 33% | -2.2 points |
| Q4 2025 | 38% | -1.8 points |
| Q3 2025 | 40% | -10 points |
| Q2 2025 | 36% | -2.9 points |
| Q1 2025 | 35% | -3.5 points |
| Q4 2024 | 40% | +0.5 points |
OVLY has the edge over GS on profitability, with a higher operating margin.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
OVLY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $9.1M | +43% |
| Q2 2026 | $3.4M | -15% |
| Q1 2026 | $7.8M | +16% |
| Q4 2025 | $7.4M | +119% |
| Q3 2025 | $6.3M | -27% |
| Q2 2025 | $4M | +12% |
| Q1 2025 | $6.8M | -17% |
| Q4 2024 | $3.4M | +$4.9M |
OVLY has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over OVLY on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
OVLY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +15K shares |
| 1 year | +0.6% | +49K shares |
| 3 years | +1.4% | +116K shares |
| 5 years | +2% | +165K shares |
| Available history | +2.9% | +231K shares |
OVLY has 8M diluted shares, up 0.6% from a year ago.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like GS.
OVLY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.8x | Net Cash |
| Q2 2026 | -6.2x | Net Cash |
| Q1 2026 | -6.3x | Net Cash |
| Q4 2025 | -7.3x | Net Cash |
| Q3 2025 | -7.8x | Net Cash |
| Q2 2025 | -6.1x | Net Cash |
| Q1 2025 | -6.3x | Net Cash |
| Q4 2024 | -5.0x | Net Cash |
OVLY has the edge over GS on leverage, with a lower net debt burden relative to earnings.
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
OVLY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 56.3 | Neutral |
| Stochastic | 56.6 | Neutral |
OVLY's weekly RSI is 56 (neutral) and its Stochastic is 57 (neutral).
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
OVLY PE vs Financial Services Sector
| Metric | OVLY | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 4.5% below |
| PE % | 96 | 63 | 33 pts above |
OVLY has the edge over GS on valuation relative to its sector.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
OVLY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $34.1 | 1.3% above |
| 20 week MA | $34.0 | 1.6% above |
| 50 week MA | $33.1 | 4.5% above |
| 100 week MA | $30.0 | 15% above |
| 200 week MA | $27.9 | 24% above |
OVLY has the edge over GS on trend strength, trading above more of its moving averages.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.
OVLY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $19.6 | $17.4 | -11% |
| 2021 | $17.4 | $17.3 | -0.9% |
| 2022 | $17.3 | $21.7 | +26% |
| 2023 | $21.7 | $30.0 | +38% |
| 2024 | $30.0 | $29.7 | -0.8% |
| 2025 | $29.7 | $30.0 | +1.1% |
| 2026 YTD | $30.0 | $34.6 | +15% |
OVLY has the edge over GS on returns for 2026, with the stronger performance.