Oak Valley Bancorp (OVLY) — Financial Flexibility Index
Oak Valley Bancorp (OVLY) has a Financial Flexibility Index of 0.01x as of December 2025. Free cash flow of $11.92 Million (operating CF $7.98 Million minus capex $3.94 Million) represents 0% of total liabilities ($1.82 Billion). Check OVLY total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Oak Valley Bancorp Financial Flexibility Index (2001–2025)
Historical Financial Flexibility Index trend for Oak Valley Bancorp across 25 annual periods. For the full cash flow conversion analysis, see Oak Valley Bancorp (OVLY) cash conversion ratio.
Annual Financial Flexibility Index for Oak Valley Bancorp (2001–2025)
Year-by-year free cash flow to debt coverage for Oak Valley Bancorp. Explore OVLY cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.02x | $32.77 Million | $28.67 Million | $1.82 Billion | ▲ +13.1% |
| 2024 | 0.02x | $27.41 Million | $25.64 Million | $1.72 Billion | ▼ -23.4% |
| 2023 | 0.02x | $34.95 Million | $33.06 Million | $1.68 Billion | ▲ +56.7% |
| 2022 | 0.01x | $24.51 Million | $23.32 Million | $1.84 Billion | ▲ +97.9% |
| 2021 | 0.01x | $12.25 Million | $11.27 Million | $1.82 Billion | ▼ -55.7% |
| 2020 | 0.02x | $20.98 Million | $19.24 Million | $1.38 Billion | ▼ -15.5% |
| 2019 | 0.02x | $18.59 Million | $17.21 Million | $1.04 Billion | ▲ +11.2% |
| 2018 | 0.02x | $16.09 Million | $14.44 Million | $995.85 Million | ▲ +31.6% |
| 2017 | 0.01x | $11.59 Million | $9.40 Million | $944.09 Million | ▲ +6.8% |
| 2016 | 0.01x | $10.57 Million | $9.91 Million | $919.66 Million | ▲ +64.2% |
| 2015 | 0.01x | $5.73 Million | $4.31 Million | $818.77 Million | ▼ -47.3% |
| 2014 | 0.01x | $8.96 Million | $7.41 Million | $674.62 Million | ▲ +1.3% |
| 2013 | 0.01x | $7.96 Million | $7.52 Million | $607.34 Million | ▼ -21.5% |
| 2012 | 0.02x | $9.86 Million | $9.04 Million | $590.61 Million | ▼ -37.3% |
| 2011 | 0.03x | $14.44 Million | $10.12 Million | $541.77 Million | ▲ +43.9% |
| 2010 | 0.02x | $9.03 Million | $8.06 Million | $487.74 Million | ▼ -15.7% |
| 2009 | 0.02x | $10.19 Million | $10.05 Million | $464.03 Million | ▲ +122.4% |
| 2008 | 0.01x | $4.44 Million | $2.33 Million | $450.22 Million | ▲ +52.9% |
| 2007 | 0.01x | $2.66 Million | $-2.19 Million | $411.90 Million | ▼ -68.2% |
| 2006 | 0.02x | $8.53 Million | $8.11 Million | $420.79 Million | ▼ -3.8% |
| 2005 | 0.02x | $7.40 Million | $6.11 Million | $351.08 Million | ▲ +56.7% |
| 2004 | 0.01x | $3.83 Million | $3.14 Million | $284.82 Million | ▼ -13.7% |
| 2003 | 0.02x | $3.47 Million | $2.62 Million | $222.50 Million | ▲ +351.8% |
| 2002 | 0.00x | $611.21K | $360.95K | $176.98 Million | ▲ +150.0% |
| 2001 | -0.01x | $-990.63K | $-1.65 Million | $143.40 Million | — |