Oak Valley Bancorp (OVLY)

Oak Valley Bancorp Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	24.95	30.85	22.9	16.34
Depreciation & Amortization	1.33	1.33	1.31	1.33
Gain (Loss) on Sale of Investments	0.8	0.95	1.8	0.36
Provision for Credit Losses	-1.62	0.97	-1.35	-0.64
Accrued Interest Receivable	-0.17	-0.46	-3.87	1.63
Change in Other Net Operating Assets	1.98	0.45	2.11	-5.98
Other Operating Activities	-1.28	-1.02	-0.91	-0.9
Operating Cash Flow	25.64	33.06	22.81	11.19
Operating Cash Flow Growth	-22.45%	44.96%	103.88%	-41.86%
Capital Expenditures	-1.78	-1.89	-1.19	-0.98
Investment in Securities	-19.82	24.32	-319.6	-44.25
Net Decrease (Increase) in Loans Originated / Sold - Investing	-87.77	-100.71	-55.64	153.15
Other Investing Activities	-5.33	-1.22	0.26	-4.16
Investing Cash Flow	-114.7	-79.5	-376.18	103.76
Short-Term Debt Issued	0.04	1.86	-	-
Total Debt Issued	0.04	1.86	-	-
Short-Term Debt Repaid	-0.04	-1.86	-	-
Total Debt Repaid	-0.04	-1.86	-	-
Repurchase of Common Stock	-0.16	-0.21	-0.12	-0.11
Common Dividends Paid	-3.75	-2.65	-2.47	-2.39
Net Increase (Decrease) in Deposit Accounts	45.16	-163.76	7.33	439.16
Financing Cash Flow	41.25	-166.62	4.74	436.66
Net Cash Flow	-47.82	-213.07	-348.63	551.61
Free Cash Flow	23.86	31.16	21.62	10.21
Free Cash Flow Growth	-23.45%	44.18%	111.76%	-41.67%
Free Cash Flow Margin	30.50%	38.26%	32.26%	18.59%
Free Cash Flow Per Share	2.89	3.79	2.63	1.25
Cash Interest Paid	12.75	4.72	1.12	0.97
Cash Income Tax Paid	6.39	10.45	3.91	5.72

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q