Oak Valley Bancorp (OVLY)

Oak Valley Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	23.59	24.95	30.85	22.9	16.34	13.69
Depreciation & Amortization	1.33	1.33	1.33	1.31	1.33	1.2
Gain (Loss) on Sale of Assets	-	-	-	-	-	-0.03
Gain (Loss) on Sale of Investments	0.88	0.8	0.95	1.8	0.36	0.54
Provision for Credit Losses	-0.06	-1.62	0.97	-1.35	-0.64	2.17
Accrued Interest Receivable	-0.86	-0.17	-0.46	-3.87	1.63	0.49
Change in Other Net Operating Assets	4.93	1.98	0.45	2.11	-5.98	-2.23
Other Operating Activities	-1.62	-1.28	-1.02	-0.91	-0.9	-0.69
Operating Cash Flow	24.95	25.64	33.06	22.81	11.19	19.24
Operating Cash Flow Growth	-16.58%	-22.45%	44.96%	103.88%	-41.86%	11.80%
Capital Expenditures	-4.42	-1.78	-1.89	-1.19	-0.98	-1.74
Investment in Securities	-29.96	-19.82	24.32	-319.6	-44.25	-21.8
Net Decrease (Increase) in Loans Originated / Sold - Investing	-37.69	-87.77	-100.71	-55.64	153.15	-262.28
Other Investing Activities	1.1	-5.33	-1.22	0.26	-4.16	-
Investing Cash Flow	-70.97	-114.7	-79.5	-376.18	103.76	-285.65
Short-Term Debt Issued	-	0.04	1.86	-	-	50
Total Debt Issued	0.04	0.04	1.86	-	-	50
Short-Term Debt Repaid	-	-0.04	-1.86	-	-	-50
Total Debt Repaid	-0.04	-0.04	-1.86	-	-	-50
Repurchase of Common Stock	-0.28	-0.16	-0.21	-0.12	-0.11	-0.11
Common Dividends Paid	-5.02	-3.75	-2.65	-2.47	-2.39	-2.3
Net Increase (Decrease) in Deposit Accounts	84.58	45.16	-163.76	7.33	439.16	347.88
Financing Cash Flow	79.28	41.25	-166.62	4.74	436.66	345.47
Net Cash Flow	33.25	-47.82	-213.07	-348.63	551.61	79.06
Free Cash Flow	20.52	23.86	31.16	21.62	10.21	17.5
Free Cash Flow Growth	-28.59%	-23.45%	44.18%	111.76%	-41.67%	10.58%
Free Cash Flow Margin	25.72%	30.50%	38.26%	32.26%	18.59%	36.76%
Free Cash Flow Per Share	2.48	2.89	3.79	2.63	1.25	2.15
Cash Interest Paid	13.51	12.75	4.72	1.12	0.97	1.15
Cash Income Tax Paid	6.06	6.39	10.45	3.91	5.72	4.34

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q