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	2.19	2.16	2.48	2.64	1.74	1.74
Provision for Credit Losses	-	-1.62	0.97	-1.35	-0.64	2.17
Stock-Based Compensation	0.86	0.85	0.53	0.62	0.58	0.55
Other Adjustments	-3.96	-3.42	-0.36	-1.12	-3.94	2.57
Changes in Accrued Interest and Accounts Receivable	-0.86	-0.17	-0.46	-3.87	1.63	0.49
Changes in Accounts Payable	-1.54	0.91	-1.41	0.88	1.46	0.26
Changes in Other Operating Activities	4.93	1.98	0.45	2.11	-5.98	-2.23
Operating Cash Flow	24.95	25.64	33.06	22.81	11.19	19.24
Operating Cash Flow Growth	24.01%	-22.45%	44.96%	103.88%	-41.86%	11.80%
Net Change in Loans Held-for-Investment	-37.69	-87.77	-100.71	-55.64	153.15	-262.28
Net Change in Securities and Investments	16.87	-16.03	23.97	-318.1	-44.46	-20.23
Capital Expenditures	-4.42	-1.78	-1.89	-1.19	-0.98	-1.74
Sale of Property, Plant & Equipment	-	-	-	-	-	0.17
Other Investing Activities	-6.78	-9.12	-0.87	-1.24	-3.96	-1.57
Investing Cash Flow	-70.97	-114.7	-79.5	-376.18	103.76	-285.65
Net Change in Deposits	84.58	45.16	-163.76	7.33	439.16	347.88
Long-Term Debt Issued	-	-	-	-	-	50
Long-Term Debt Repaid	-	-	-	-	-	-50
Repurchase of Common Stock	-0.43	-0.16	-0.21	-0.12	-0.11	-0.11
Net Common Stock Issued (Repurchased)	-0.43	-0.16	-0.21	-0.12	-0.11	-0.11
Common Dividends Paid	-7.22	-3.75	-2.65	-2.47	-2.39	-2.3
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	31.17	21.62	10.21	17.5
Free Cash Flow Growth	-13.97%	-23.45%	44.18%	111.76%	-41.67%	10.58%
FCF Margin	25.47%	30.50%	38.26%	32.26%	18.60%	36.76%
Free Cash Flow Per Share	2.48	2.89	3.79	2.63	1.25	2.15
Levered Free Cash Flow	23.89	28.05	30.02	23.47	14.21	12.22
Unlevered Free Cash Flow	0.3	3.11	-0.83	0.56	-2.13	-1.47

Updated Nov 13, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q