Oak Valley Bancorp (OVLY)

Oak Valley Bancorp Cash Flow Statement

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

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	2.19	2.16	2.48	2.64	1.74
Provision for Credit Losses	0.81	-1.62	0.97	-1.35	-0.64
Stock-Based Compensation	0.9	0.85	0.53	0.62	0.58
Other Adjustments	0.55	-3.42	-0.36	-1.12	-3.94
Changes in Accrued Interest and Accounts Receivable	-0.32	-0.17	-0.46	-3.87	1.63
Changes in Accounts Payable	-0.16	0.91	-1.41	0.88	1.46
Changes in Other Operating Activities	0.79	1.98	0.45	2.11	-5.98
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%
Net Change in Loans Held-for-Investment	-37.28	-87.77	-100.71	-55.64	153.15
Net Change in Securities and Investments	-11.61	-16.03	23.97	-318.1	-44.46
Capital Expenditures	-4.11	-1.78	-1.89	-1.19	-0.98
Other Investing Activities	-4.21	-9.12	-0.87	-1.24	-3.96
Investing Cash Flow	-57.21	-114.7	-79.5	-376.18	103.76
Net Change in Deposits	97.27	45.16	-163.76	7.33	439.16
Repurchase of Common Stock	-0.28	-0.16	-0.21	-0.12	-0.11
Net Common Stock Issued (Repurchased)	-0.28	-0.16	-0.21	-0.12	-0.11
Common Dividends Paid	-5.02	-3.75	-2.65	-2.47	-2.39
Financing Cash Flow	91.97	41.25	-166.62	4.74	436.66
Net Cash Flow	63.43	-47.82	-213.07	-348.63	551.61
Free Cash Flow	24.56	23.86	31.17	21.62	10.21
Free Cash Flow Growth	2.94%	-23.45%	44.18%	111.76%	-41.67%
FCF Margin	30.35%	30.50%	38.26%	32.26%	18.60%
Free Cash Flow Per Share	2.96	2.89	3.79	2.63	1.25
Levered Free Cash Flow	22.3	28.05	30.02	23.47	14.21
Unlevered Free Cash Flow	-1.61	3.11	-0.83	0.56	-2.13

Updated Mar 25, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q