Oak Valley Bancorp (OVLY)

Oak Valley Bancorp Cash Flow Statement

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

Operating Activities

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	23.91	24.95	30.85	22.9	16.34
Depreciation & Amortization	1.38	1.33	1.33	1.31	1.33
Gain (Loss) on Sale of Investments	0.68	0.8	0.95	1.8	0.36
Provision for Credit Losses	0.81	-1.62	0.97	-1.35	-0.64
Accrued Interest Receivable	-0.32	-0.17	-0.46	-3.87	1.63
Change in Other Net Operating Assets	0.79	1.98	0.45	2.11	-5.98
Other Operating Activities	-1.63	-1.28	-1.02	-0.91	-0.9
Operating Cash Flow	28.67	25.64	33.06	22.81	11.19
Operating Cash Flow Growth	11.82%	-22.45%	44.96%	103.88%	-41.86%

Investing Activities

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-4.11	-1.78	-1.89	-1.19	-0.98
Investment in Securities	-16.9	-19.82	24.32	-319.6	-44.25
Net Decrease (Increase) in Loans Originated / Sold - Investing	-37.28	-87.77	-100.71	-55.64	153.15
Other Investing Activities	1.08	-5.33	-1.22	0.26	-4.16
Investing Cash Flow	-57.21	-114.7	-79.5	-376.18	103.76

Financing Activities

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Short-Term Debt Issued	0.04	0.04	1.86	-	-
Total Debt Issued	0.04	0.04	1.86	-	-
Short-Term Debt Repaid	-0.04	-0.04	-1.86	-	-
Total Debt Repaid	-0.04	-0.04	-1.86	-	-
Repurchase of Common Stock	-0.28	-0.16	-0.21	-0.12	-0.11
Common Dividends Paid	-5.02	-3.75	-2.65	-2.47	-2.39
Net Increase (Decrease) in Deposit Accounts	97.27	45.16	-163.76	7.33	439.16
Financing Cash Flow	91.97	41.25	-166.62	4.74	436.66

Net Cash Flow

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	63.43	-47.82	-213.07	-348.63	551.61

Free Cash Flow

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	24.56	23.86	31.16	21.62	10.21
Free Cash Flow Growth	2.94%	-23.45%	44.18%	111.76%	-41.67%
Free Cash Flow Margin	30.35%	30.50%	38.26%	32.26%	18.59%
Free Cash Flow Per Share	2.96	2.89	3.79	2.63	1.25

Additional Metrics

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	13.28	12.75	4.72	1.12	0.97
Cash Income Tax Paid	5.08	6.39	10.45	3.91	5.72

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 27, 2026

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