Oak Valley Bancorp (OVLY) — Cash Flow-to-Debt Ratio
Oak Valley Bancorp (OVLY) has a Cash Flow-to-Debt Ratio of 0.00x as of December 2025, meaning its operating cash flow of $7.98 Million could theoretically repay 0% of its total liabilities ($1.82 Billion) in one year. See OVLY financial flexibility score to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Oak Valley Bancorp Cash Flow-to-Debt Ratio (2001–2025)
Historical debt coverage capacity for Oak Valley Bancorp across 25 annual periods. For the full cash flow conversion analysis, see Oak Valley Bancorp cash flow conversion.
Annual Cash Flow-to-Debt Ratio for Oak Valley Bancorp (2001–2025)
Year-by-year debt coverage analysis for Oak Valley Bancorp. Check earnings quality score of Oak Valley Bancorp to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.02x | $28.67 Million | $1.82 Billion | ▲ +5.8% |
| 2024 | 0.01x | $25.64 Million | $1.72 Billion | ▼ -24.3% |
| 2023 | 0.02x | $33.06 Million | $1.68 Billion | ▲ +55.7% |
| 2022 | 0.01x | $23.32 Million | $1.84 Billion | ▲ +104.7% |
| 2021 | 0.01x | $11.27 Million | $1.82 Billion | ▼ -55.6% |
| 2020 | 0.01x | $19.24 Million | $1.38 Billion | ▼ -16.2% |
| 2019 | 0.02x | $17.21 Million | $1.04 Billion | ▲ +14.6% |
| 2018 | 0.01x | $14.44 Million | $995.85 Million | ▲ +45.6% |
| 2017 | 0.01x | $9.40 Million | $944.09 Million | ▼ -7.6% |
| 2016 | 0.01x | $9.91 Million | $919.66 Million | ▲ +104.6% |
| 2015 | 0.01x | $4.31 Million | $818.77 Million | ▼ -52.1% |
| 2014 | 0.01x | $7.41 Million | $674.62 Million | ▼ -11.3% |
| 2013 | 0.01x | $7.52 Million | $607.34 Million | ▼ -19.2% |
| 2012 | 0.02x | $9.04 Million | $590.61 Million | ▼ -18.0% |
| 2011 | 0.02x | $10.12 Million | $541.77 Million | ▲ +12.9% |
| 2010 | 0.02x | $8.06 Million | $487.74 Million | ▼ -23.7% |
| 2009 | 0.02x | $10.05 Million | $464.03 Million | ▲ +319.1% |
| 2008 | 0.01x | $2.33 Million | $450.22 Million | ▲ +197.4% |
| 2007 | -0.01x | $-2.19 Million | $411.90 Million | ▼ -127.5% |
| 2006 | 0.02x | $8.11 Million | $420.79 Million | ▲ +10.8% |
| 2005 | 0.02x | $6.11 Million | $351.08 Million | ▲ +57.9% |
| 2004 | 0.01x | $3.14 Million | $284.82 Million | ▼ -6.3% |
| 2003 | 0.01x | $2.62 Million | $222.50 Million | ▲ +476.3% |
| 2002 | 0.00x | $360.95K | $176.98 Million | ▲ +117.7% |
| 2001 | -0.01x | $-1.65 Million | $143.40 Million | — |