Oak Valley Bancorp (OVLY) — Cash Flow Quality Index
Oak Valley Bancorp (OVLY) has a Cash Flow Quality Index of 1.26x as of December 2025. Operating cash flow of $7.98 Million exceeds net income of $6.33 Million, indicating high earnings quality where cash backs reported profits. Explore OVLY cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Oak Valley Bancorp Cash Flow Quality Index (2001–2025)
Historical Cash Flow Quality Index for Oak Valley Bancorp across 25 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see cash flow conversion of Oak Valley Bancorp.
Annual Cash Flow Quality Index for Oak Valley Bancorp (2001–2025)
Year-by-year earnings quality comparison for Oak Valley Bancorp.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.20x | $28.67 Million | $23.91 Million | ▲ +16.7% |
| 2024 | 1.03x | $25.64 Million | $24.95 Million | ▼ -4.1% |
| 2023 | 1.07x | $33.06 Million | $30.85 Million | ▲ +5.2% |
| 2022 | 1.02x | $23.32 Million | $22.90 Million | ▲ +47.6% |
| 2021 | 0.69x | $11.27 Million | $16.34 Million | ▼ -50.9% |
| 2020 | 1.41x | $19.24 Million | $13.69 Million | ▲ +2.0% |
| 2019 | 1.38x | $17.21 Million | $12.49 Million | ▲ +10.1% |
| 2018 | 1.25x | $14.44 Million | $11.54 Million | ▲ +21.1% |
| 2017 | 1.03x | $9.40 Million | $9.09 Million | ▼ -20.0% |
| 2016 | 1.29x | $9.91 Million | $7.67 Million | ▲ +47.1% |
| 2015 | 0.88x | $4.31 Million | $4.91 Million | ▼ -15.6% |
| 2014 | 1.04x | $7.41 Million | $7.12 Million | ▼ -18.5% |
| 2013 | 1.28x | $7.52 Million | $5.89 Million | ▼ -18.4% |
| 2012 | 1.56x | $9.04 Million | $5.78 Million | ▼ -9.4% |
| 2011 | 1.73x | $10.12 Million | $5.86 Million | ▼ -1.0% |
| 2010 | 1.74x | $8.06 Million | $4.63 Million | ▼ -65.3% |
| 2009 | 5.03x | $10.05 Million | $2.00 Million | ▲ +367.0% |
| 2008 | 1.08x | $2.33 Million | $2.16 Million | ▲ +293.3% |
| 2007 | -0.56x | $-2.19 Million | $3.93 Million | ▼ -126.3% |
| 2006 | 2.12x | $8.11 Million | $3.83 Million | ▲ +36.4% |
| 2005 | 1.55x | $6.11 Million | $3.93 Million | ▲ +60.9% |
| 2004 | 0.97x | $3.14 Million | $3.25 Million | ▼ -14.5% |
| 2003 | 1.13x | $2.62 Million | $2.32 Million | ▲ +461.7% |
| 2002 | 0.20x | $360.95K | $1.80 Million | ▲ +120.2% |
| 2001 | -1.00x | $-1.65 Million | $1.66 Million | — |