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 capital-intensive asset ratio to assess the company's strategic physical and investment asset allocation.
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. See OVLY working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Oak Valley Bancorp (2001–2025)
Year-by-year free cash flow to debt coverage for Oak Valley Bancorp. For the full company profile including market capitalisation, see Oak Valley Bancorp market cap and net worth.
| 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 | — |