For the quarter ending 2025-09-30, OVLY had $48,295K increase in cash & cash equivalents over the period. $6,348K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 6,693 | 10,885 |
| Reversal of provision for credit losses | -60 | 0 |
| Increase in deferred fees/costs, net | 44 | -315 |
| Depreciation | 334 | 659 |
| Amortization of investment securities, net | 226 | 399 |
| Unrealized gain on equity securities | 43 | 64 |
| Amortization of operating lease right-of-use asset | 63 | 118 |
| Stock based compensation | 231 | 435 |
| Gain on sales and calls of available-for-sale securities | -2 | 2 |
| Earnings on cash surrender value of life insurance | 299 | 587 |
| Decrease in deferred tax asset | 3,405 | -2,605 |
| Gain on boli death benefit | 207 | - |
| Increase in interest payable and other liabilities | 252 | -7 |
| (increase) decrease in interest receivable | 297 | 89 |
| Decrease (increase) in other assets | 2,992 | -4,331 |
| Net cash provided by operating activities | 7,138 | 13,552 |
| Purchases of available-for-sale securities | 35,564 | 0 |
| Purchases of equity securities | 30 | 59 |
| Proceeds from the sale of available-for-sale securities | 0 | 0 |
| Proceeds from maturities, calls, and principal paydowns of available-for-sale securities | 19,538 | 13,943 |
| Investment in lihtc | 2,032 | 3,242 |
| Net increase in loans | 2,923 | 3,350 |
| Purchase of fhlb stock | 0 | 776 |
| Purchase of boli policies | 0 | 0 |
| Proceeds from redemption of boli policies | 1,876 | - |
| Purchases of premises and equipment | 790 | 2,763 |
| Net cash used in investing activities | -19,925 | 3,753 |
| Shareholder cash dividends paid | 2,515 | 2,507 |
| Net increase in demand deposits and savings accounts | 61,444 | 5,766 |
| Net increase in time deposits | 2,197 | 9,785 |
| Tax withholding payments on vested restricted shares surrendered | 44 | 240 |
| Net cash provided by in financing activities | 61,082 | 12,804 |
| Net increase (decrease) in cash and cash equivalents | 48,295 | 30,109 |
| Cash and cash equivalents at beginning of period | 168,751 | - |
| Cash and cash equivalents at end of period | 247,155 | - |
Oak Valley Bancorp (OVLY)
Oak Valley Bancorp (OVLY)