Oak Valley Bancorp Cash Flow Quality Index
Oak Valley Bancorp 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 how well can Oak Valley Bancorp service its debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Oak Valley Bancorp (2001–2025)
Cash flow quality index of Oak Valley Bancorp from 2001 to 2025. Historical Cash Flow Quality Index for Oak Valley Bancorp across 25 annual periods. Values consistently above 1.0x indicate high-quality earnings. See debt-free asset ratio of Oak Valley Bancorp to measure how much of total assets are equity-financed.
Oak Valley Bancorp Cash Flow Quality Index by Year (2001–2025)
Oak Valley Bancorp cash flow quality index by year from 2001 to 2025. Year-by-year earnings quality comparison for Oak Valley Bancorp. For the full cash flow conversion analysis, see OVLY cash generation efficiency.
| 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 | — |