For the year ending 2025-12-31, OVLY had $63,428K increase in cash & cash equivalents over the period. $24,559K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 23,913 |
| Provision for (reversal of) credit losses | 805 |
| Increase in deferred fees/costs, net | -380 |
| Depreciation | 1,380 |
| Amortization of investment securities, net | 808 |
| Unrealized (gain) loss on equity securities | 133 |
| Amortization of operating lease right-of-use asset | 241 |
| Stock based compensation | 904 |
| Loss (gain) on sales and calls of available-for-sale securities | -4 |
| Earnings on cash surrender value of life insurance | 1,197 |
| Decrease (increase) in deferred tax asset | 1,924 |
| Gain on boli death benefit | 189 |
| (decrease) increase in interest payable and other liabilities | -159 |
| Increase in interest receivable | 320 |
| Decrease in other assets | -788 |
| Net cash provided by operating activities | 28,667 |
| Purchases of available-for-sale securities | 59,387 |
| Purchases of equity securities | 122 |
| Proceeds from the sale of available-for-sale securities | 0 |
| Proceeds from maturities, calls, and principal paydowns of available-for-sale securities | 48,678 |
| Investment in lihtc | 6,067 |
| Net increase in loans | 37,277 |
| Purchase of fhlb stock | 776 |
| Purchase of boli policies | 0 |
| Proceeds from redemption of boli policies | 1,854 |
| Purchases of premises and equipment | 4,108 |
| Net cash used in investing activities | -57,205 |
| Federal funds advances | 35 |
| Federal funds payments | 35 |
| Shareholder cash dividends paid | 5,022 |
| Net increase in demand deposits and savings accounts | 75,597 |
| Net increase in time deposits | 21,675 |
| Tax withholding payments on vested restricted shares surrendered | 284 |
| Net cash provided by in financing activities | 91,966 |
| Net increase (decrease) in cash and cash equivalents | 63,428 |
| Cash and cash equivalents, beginning of period | 168,751 |
| Cash and cash equivalents, end of period | 232,179 |
Oak Valley Bancorp (OVLY)
Oak Valley Bancorp (OVLY)