Oak Valley Bancorp (CA) — Earnings Quality Grade C
OVLY · Financial Services
Some red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 16 days, change +0 days YoY
AR outpaced revenue for 2 consecutive years
Revenue 6.7%, CFFO 11.8%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 130.9% is >2x revenue growth 6.7%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.20. Profits backed by cash
FCF $0.0B, FCF/NI = 1.03
Accruals ratio = -0.2%. Low accruals
Insufficient data
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Oak Valley Bancorp (CA) is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25