OVLY - NASDAQ
Oak Valley Bancorp
$32.64
-3.5%Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank that provides a range of commercial banking services to individuals and small to medium-sized businesses in the Central Valley and the Eastern Sierras. The company's deposits products include checking and savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit. It also offers commercial real estate loans, commercial business lending and trade finance, and small business administration lending, as well as consumer loans consisting of automobile loans, home mortgage loans, revolving lines of credit, and other personal loans. In addition, the company provides online banking, remote deposit capture, mobile banking, merchant, night depository, extended hours, wire transfer of funds, and note collection services, as well as automated teller machines. As of December 31, 2021, it operated through seventeen full-service branch offices in Oakdale, Sonora, Bridgeport, Bishop, Mammoth Lakes, Modesto, Manteca, Patterson, Turlock, Tracy, Ripon, Stockton, Escalon, California, and Sacramento. The company was incorporated in 1990 and is headquartered in Oakdale, California.
At a Glance
Live SnapshotOak Valley Bancorp Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Flat FCF growth. Stable but not expanding—monitor for signs of business maturity or temporary headwinds.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Oak Valley Bancorp Cash Flow Statement
OVLY • NASDAQ
| Oak Valley Bancorp Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
23.9M | 24.9M | 30.8M | 22.9M | 16.3M | 13.7M | 12.5M | 11.5M | 9.1M | 7.7M | 4.9M | 7.1M | 5.9M | 5.8M | 5.9M | 4.6M | 2M | 2.2M | 3.9M | 3.8M | |
1.1M | 1.1M | 1.1M | 1.2M | 1.1M | 1.2M | 1.1M | 1.2M | 1.1M | 1.3M | 1.2M | 1.2M | 1.2M | 1.1M | 998K | 957.4K | 1M | 1.1M | 986.6K | 893.5K | |
1.9M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 35K | -187K | 0.0 | 0.0 | 205.2K | 497.2K | 0.0 | 0.0 | 0.0 | 0.0 | |
904K | 845K | 533K | 622K | 581K | 549K | 549K | 431K | 103K | 256K | 261K | 271K | 195.4K | 175.9K | 48.5K | 82.5K | 72.5K | 122.6K | 130.1K | 0.0 | |
-1.8M | -1.9M | 1.1M | -296K | -999K | 2M | 704K | 889K | -38K | 490K | -674K | -2.4M | 88K | 813.1K | 1.1M | 3.7M | 8M | 3.7M | 434.2K | 568K | |
(5.1M) | (6.4M) | (10.4M) | (3.9M) | (5.7M) | (4.3M) | (3.9M) | (4.1M) | (5.9M) | (2.3M) | (4.2M) | (3M) | (2.3M) | (1.7M) | (4M) | (2M) | (1.3M) | (0.0) | (2.5M) | (0.0) | |
2.6M | 623K | -556K | -1.6M | -5.9M | 1.8M | 2.4M | 396K | -884K | 243K | -1.4M | 1.5M | 186.1K | 1.1M | 1.9M | -1.8M | -1.1M | -4.8M | -7.7M | 2.8M | |
28.7M | 25.6M | 33.1M | 22.8M | 11.2M | 19.2M | 17.2M | 14.4M | 9.4M | 9.9M | 4.3M | 7.4M | 7.5M | 9M | 10.1M | 8.1M | 10.1M | 2.3M | -2.2M | 8.1M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -1.8M | -1.9M | -1.2M | -978K | -1.7M | -1.4M | -1.6M | -2.2M | -663K | -1.4M | -1.6M | -448K | -821.4K | -4.3M | -966.1K | -136.2K | -2.1M | -4.8M | -422K | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (23.5M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
-54.4M | -108.4M | -41.1M | -360.2M | -80.5M | -70.3M | -26.9M | -53.2M | -50.9M | -54M | -42.7M | -17.9M | -36.1M | -43.7M | -54.6M | -12.1M | -16.9M | -15.6M | -19.2M | -11.4M | |
48.7M | 88.5M | 65.5M | 40.6M | 36.2M | 48.5M | 46M | 21M | 30.2M | 21.8M | 31.9M | 18.9M | 15.2M | 30.8M | 20.1M | 9.6M | 10.2M | 7.9M | 22.5M | 8.4M | |
-51.5M | -93.1M | -101.9M | -55.4M | 149M | -262.1M | -44.6M | -49.2M | -51M | -74.3M | -41.6M | -34.4M | -31.3M | 4.2M | 7.6M | 20M | -4.8M | -49M | -10M | -60.6M | |
-57.2M | -114.7M | -79.5M | -376.2M | (103.8M) | -285.6M | -26.9M | -83M | -73.9M | -107.2M | -30.3M | -35M | -52.6M | -9.6M | -31.1M | (16.5M) | -11.6M | -58.8M | -11.5M | -64.1M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
0.0 | -158K | -211K | -121K | 0.0 | -110K | 0.0 | 7K | 91K | 0.0 | 0.0 | 924K | 85K | 219.8K | 9.9K | 70.1K | 70.1K | 186.9K | 5.2M | 449.7K | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -3M | -5M | -24.7M | 55.9M | -25.2M | 62.9M | 14.6M | |
-5M | -3.7M | -2.6M | -2.5M | -2.4M | -2.3M | -2.2M | -2.1M | -2M | -1.9M | -1.7M | -1.3M | -68K | -451.9K | -761.2K | -675K | -829K | -574.5K | -1.4M | -1.3M | |
(0.0) | -158K | -211K | -121K | (0.0) | -110K | -130K | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
97M | 45.2M | -163.8M | 7.3M | 439M | 347.9M | 33.3M | 47.6M | 24.8M | 99.4M | 74M | 67.1M | 15.6M | 50.8M | 58.9M | 48M | -41.7M | 64.1M | -66.5M | 49.6M | |
92M | 41.3M | -166.6M | 4.7M | 436.7M | 345.5M | 31.1M | 45.5M | 22.9M | 97.5M | 72.3M | 66.7M | 8.9M | 40.8M | 53.2M | 22.7M | 13.4M | 52.1M | 73.8K | 63.3M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
63.4M | -47.8M | -213.1M | -348.6M | 551.6M | 79.1M | 21.4M | -23M | -41.6M | 207K | 46.3M | 39.1M | -36.1M | 40.3M | 32.1M | 47.3M | 11.8M | -4.4M | -13.6M | 7.3M | |
168.8M | 216.6M | 429.6M | 778.3M | 226.7M | 147.6M | 126.1M | 149.2M | 190.8M | 190.6M | 144.3M | 105.2M | 141.3M | 101.1M | 68.9M | 21.6M | 9.8M | 14.2M | 27.8M | 20.5M | |
232.2M | 168.8M | 216.6M | 429.6M | 778.3M | 226.7M | 147.6M | 126.1M | 149.2M | 190.8M | 190.6M | 144.3M | 105.2M | 141.3M | 101.1M | 68.9M | 21.6M | 9.8M | 14.2M | 27.8M | |
24.6M | 23.9M | 31.2M | 21.6M | 10.2M | 17.5M | 15.8M | 12.8M | 7.2M | 9.2M | 2.9M | 5.9M | 7.1M | 8.2M | 5.8M | 7.1M | 9.9M | 208.9K | -7M | 7.7M |
SEC Filings
OVLY - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 12, 2026 | March 31, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 29, 2026 | June 16, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 22, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 25, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 27, 2026 | January 26, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 26, 2026 | January 23, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 13, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 23, 2025 | October 22, 2025 | 2025 | |
10-Q 10-Q 2025 Q2 Q2 | August 13, 2025 | June 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | July 21, 2025 | July 18, 2025 | 2025 |
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