Oak Valley Bancorp

OVLYNASDAQFinancial Services● Active

$34.99

+$0.35(+1.01%)

Market Cap$294386895

P/E Ratio—

52W High$35.85

52W Low$25.25

Avg Volume43K

Open$35.20

Beta0.21

Free Cash Flow Financials Revenue

Oak Valley Bancorp (OVLY) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

OVLY · free cash flow · updated Jun 15, 2026

Core FCF metrics

OVLY · FCF · TTM · margin & CAGR

Free cash flow was $24.6M for FY2025 (fiscal year ending 2025-12-31), up 2.9% year-over-year The FCF margin was 30.1%. Five-year CAGR stands at +7.0%.

FY2025 Free Cash Flow$24.6M▲ +2.9% YoY

Trailing 12M (TTM)$25.8Mtrailing 4 quarters sum

FCF Margin30.1%$24.6M ÷ revenue

3-Year CAGR+4.3%FY2022 → FY2025

5-Year CAGR+7.0%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 15, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

OVLY · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$28.7M(4M)$24.6M▲ +2.9%30.1%

FY2024$25.6M(2M)$23.9M▼ 23.4%26.7%

FY2023$33.1M(2M)$31.2M▲ +44.2%35.7%

FY2022$22.8M(1M)$21.6M▲ +111.8%32.4%

FY2021$11.2M(1M)$10.2M▼ 41.7%18.5%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

OVLY · P/FCF · FCF yield · FCF per share

Oak Valley Bancorp (OVLY) trades at a FCF yield of 8.76% and a price-to-free-cash-flow ratio of 11.2x. FCF per share stands at $3.13, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

8.76%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$3.13

TTM FCF ÷ Shares Outstanding

Price / FCF

x11.2

Share Price ÷ FCF per Share

EV / FCF (TTM)

x5.4

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

OVLY · cash flow statement · operating / investing / financing

For FY2025, Oak Valley Bancorp generated $28.7M in operating cash flow and spent 4M in capital expenditures, yielding $24.6M in free cash flow.

Operating Activities

+$28.7M

Cash from core business operations

2025-12-31

Investing Activities

−$57.2M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$92.0M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($28.7M) − |CapEx| (4M) = FCF ($24.6M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

OVLY vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Oak Valley BancorpYOU

OVLY

$24.6M+2.9%30.0%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Oak Valley Bancorp (OVLY) reported free cash flow of $24.6M for FY2025 (fiscal year ending 2025-12-31), up 2.9% year-over-year. The FCF margin was 30.1%.

Based on available data, Oak Valley Bancorp has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $31.2M in FY2023. The 5-year CAGR stands at +7.0%.

Oak Valley Bancorp's FCF yield is 8.76% and price-to-FCF ratio is 11.2x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

OVLY free cash flow · 8 questions

Oak Valley Bancorp free cash flow was $24.6M for FY2025, up 2.9% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $25.8M.

OVLY free cash flowOVLY FCFOVLY FCF 2025OVLY free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Oak Valley Bancorp · Oak Valley Bancorp SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 15, 2026