C
Oak Valley Bancorp (CA) — Earnings Quality Grade C
OVLY · Financial Services
Some red flags
Revenue
$82M
2025
Net Income
$24M
2025
Gross Margin
—
Free Cash Flow
$25M
01
Screening Summary
9
Passed
1
Watch
1
Failed
—
M-Score
管理层信号
最近 SEC 8-K 文件中未发现 CEO、CFO、董事会或审计负责人变动信号。
02
Financial Trends
Revenue & Net Income ($B)
Margins (%)
03
18-Point Screening
01
Revenue Quality
✓
A1DSO Change
DSO 16 days, change +0 days YoY
✗
A2AR vs Revenue Growth
AR outpaced revenue for 2 consecutive years
✓
A3Revenue vs CFFO
Revenue 6.7%, CFFO 11.8%. Cash follows revenue
02
Expense Quality
✓
B1Inventory vs COGS
No material inventory
!
B2CapEx vs Revenue
CapEx growth 130.9% is >2x revenue growth 6.7%
—
B3SG&A Ratio
Insufficient data
—
B4Gross Margin
Insufficient data
03
Cash Flow Quality
✓
C1CFFO vs Net Income
CFFO/NI = 1.20. Profits backed by cash
✓
C2Free Cash Flow
FCF $0.0B, FCF/NI = 1.03
✓
C3Accruals Ratio
Accruals ratio = -0.2%. Low accruals
—
C4Cash vs Debt
Insufficient data
04
Balance Sheet Health
✓
D1Goodwill + Intangibles
No goodwill. Clean balance sheet
—
D2Leverage
Insufficient data
—
D3Soft Asset Growth
Insufficient data
—
D4Asset Impairment
No write-off data
05
Acquisition Risk
✓
E1Serial Acquirer FCF
FCF after acquisitions positive
✓
E2Goodwill Surge
No goodwill
06
Manipulation Score
—
F1Beneish M-Score
Insufficient data
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