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Oak Valley Bancorp [Ca] (OVLY)
NASDAQ:OVLY
US Market
OVLY
Oak Valley Bancorp [Ca]
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Oak Valley Bancorp [Ca] (OVLY) Ratios

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Oak Valley Bancorp [Ca] Ratios

OVLY's free cash flow for Q4 2025 was $0.96. For the 2025 fiscal year, OVLY's free cash flow was decreased by $ and operating cash flow was $0.38. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.23 0.23 0.13 0.43 0.52
Quick Ratio
 0.23 0.23 0.13 0.43 0.52
Cash Ratio
 0.11 0.11 0.08 0.11 0.23
Solvency Ratio
 0.01 0.01 0.02 0.02 0.01
Operating Cash Flow Ratio
 0.02 0.02 0.02 0.02 0.01
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -1.40B$ -1.40B$ -1.50B$ -969.80M$ -889.01M
Leverage Ratios
Debt-to-Assets Ratio
 0.00 0.00 0.00 0.00 0.00
Debt-to-Equity Ratio
 0.00 0.00 0.00 0.00 0.00
Debt-to-Capital Ratio
 0.00 0.00 0.00 0.00 0.00
Long-Term Debt-to-Capital Ratio
 0.00 0.00 0.00 0.00 0.00
Financial Leverage Ratio
 9.73 9.73 10.36 11.09 15.54
Debt Service Coverage Ratio
 2.02 1.80 2.03 6.57 21.50
Interest Coverage Ratio
 2.57 2.30 2.50 8.29 26.53
Debt to Market Cap
 0.00 0.00 0.00 0.00 0.00
Interest Debt Per Share
 1.45 1.61 1.56 0.59 0.14
Net Debt to EBITDA
 -6.57 -6.63 -4.16 -4.35 -13.48
Profitability Margins
Gross Profit Margin
91.24%99.02%87.43%93.32%100.35%
EBIT Margin
34.19%37.50%35.99%46.17%44.47%
EBITDA Margin
34.49%37.50%37.21%47.43%46.19%
Operating Profit Margin
34.19%37.50%35.99%46.17%44.47%
Pretax Profit Margin
34.19%37.50%35.99%46.17%44.47%
Net Profit Margin
26.68%29.26%27.89%35.34%34.30%
Continuous Operations Profit Margin
26.68%29.26%27.89%35.34%34.30%
Net Income Per EBT
78.03%78.02%77.50%76.53%77.14%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.18%1.18%1.31%1.67%1.16%
Return on Equity (ROE)
12.34%11.50%13.60%18.57%18.09%
Return on Capital Employed (ROCE)
13.32%13.32%15.71%21.00%23.45%
Return on Invested Capital (ROIC)
10.40%10.39%12.17%16.08%18.09%
Return on Tangible Assets
1.18%1.18%1.31%1.68%1.17%
Earnings Yield
8.76%9.65%10.38%12.57%12.38%
Efficiency Ratios
Receivables Turnover
 25.55 23.28 10.45 10.41 8.42
Payables Turnover
 0.00 0.00 0.00 0.00 >-0.01
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 3.41 3.11 3.89 3.84 2.90
Asset Turnover
 0.04 0.04 0.05 0.05 0.03
Working Capital Turnover Ratio
 -0.06 -0.06 -0.07 -0.10 -0.08
Cash Conversion Cycle
 14.29 15.68 34.93 35.06 43.37K
Days of Sales Outstanding
 14.29 15.68 34.93 35.06 43.35
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 -43.33K
Operating Cycle
 14.29 15.68 34.93 35.06 43.35
Cash Flow Ratios
Operating Cash Flow Per Share
 3.47 3.48 3.12 4.03 2.79
Free Cash Flow Per Share
 2.99 2.98 2.90 3.80 2.65
CapEx Per Share
 0.48 0.50 0.22 0.23 0.15
Free Cash Flow to Operating Cash Flow
 0.86 0.86 0.93 0.94 0.95
Dividend Paid and CapEx Coverage Ratio
 3.20 3.14 4.64 7.28 6.22
Capital Expenditure Coverage Ratio
 7.27 6.98 14.41 17.45 19.16
Operating Cash Flow Coverage Ratio
 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow to Sales Ratio
 0.32 0.35 0.29 0.38 0.34
Free Cash Flow Yield
8.88%9.91%9.92%12.70%11.68%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.42 10.36 9.64 7.96 8.08
Price-to-Sales (P/S) Ratio
 3.10 3.03 2.69 2.81 2.77
Price-to-Book (P/B) Ratio
 1.31 1.19 1.31 1.48 1.46
Price-to-Free Cash Flow (P/FCF) Ratio
 11.26 10.09 10.08 7.87 8.56
Price-to-Operating Cash Flow Ratio
 9.53 8.64 9.38 7.42 8.11
Price-to-Earnings Growth (PEG) Ratio
 -4.25 -2.25 -0.50 0.23 0.21
Price-to-Fair Value
 1.31 1.19 1.31 1.48 1.46
Enterprise Value Multiple
 2.43 1.46 3.06 1.58 -7.48
Enterprise Value
 75.30M 44.69M 101.92M 65.34M -230.78M
EV to EBITDA
 2.43 1.46 3.06 1.58 -7.48
EV to Sales
 0.84 0.55 1.14 0.75 -3.46
EV to Free Cash Flow
 3.05 1.82 4.27 2.10 -10.68
EV to Operating Cash Flow
 2.63 1.56 3.98 1.98 -10.12
Tangible Book Value Per Share
 24.78 24.83 21.91 19.85 15.07
Shareholders’ Equity Per Share
 25.19 25.23 22.32 20.27 15.50
Tax and Other Ratios
Effective Tax Rate
 0.22 0.22 0.23 0.23 0.23
Revenue Per Share
 10.86 9.91 10.88 10.65 8.17
Net Income Per Share
 2.90 2.90 3.04 3.76 2.80
Tax Burden
 0.78 0.78 0.77 0.77 0.77
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.40 0.00 0.32 0.30 0.35
Stock-Based Compensation to Revenue
 0.01 0.01 <0.01 <0.01 <0.01
Income Quality
 1.20 1.20 1.03 1.07 1.00
Currency in USD