OVLY (Oak Valley Bancorp) Cyclically Adjusted FCF per Share: $2.53 (As of Mar. 2026)

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OVLY Oak Valley Bancorp OVLY
73 GF Score
Price $33.33
GF Value $28.56
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Oak Valley Bancorp Cyclically Adjusted FCF per Share?

Oak Valley Bancorp OVLY +0.76% 73 Cyclically Adjusted FCF per Share is $2.53 as of Mar. 2026. GuruFocus rates OVLY with a GF Score™ of 73/100 and a GF Value™ of $28.56 (Modestly Overvalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Oak Valley Bancorp's adjusted free cash flow per share for the three months ended in Mar. 2026 was $0.943. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $2.53 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Oak Valley Bancorp's average Cyclically Adjusted FCF Growth Rate was 14.00% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 15.70% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 15.20% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 12.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Oak Valley Bancorp was 16.40% per year. The lowest was -2.00% per year. And the median was 9.60% per year.

As of today (2026-07-21), Oak Valley Bancorp's current stock price is $33.33. Oak Valley Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $2.53. Oak Valley Bancorp's Cyclically Adjusted Price-to-FCF of today is 13.17.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Oak Valley Bancorp was 25.85. The lowest was 9.70. And the median was 13.77.


Oak Valley Bancorp  (NAS:OVLY) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Oak Valley Bancorp's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=33.33/2.53
=13.17

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Oak Valley Bancorp was 25.85. The lowest was 9.70. And the median was 13.77.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Oak Valley Bancorp Cyclically Adjusted FCF per Share Related Terms


Oak Valley Bancorp Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Oak Valley Bancorp's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Oak Valley Bancorp Cyclically Adjusted FCF per Share Chart

Oak Valley Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.35 1.57 1.88 2.13 2.43

Oak Valley Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.22 2.28 2.34 2.43 2.53

OVLY vs FRAF, LRBI, CFFI: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Oak Valley Bancorp's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Oak Valley Bancorp Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Oak Valley Bancorp's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Oak Valley Bancorp's Cyclically Adjusted Price-to-FCF falls into.


OVLY
73GF Score
Oak Valley Bancorp OVLY
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Oak Valley Bancorp Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Oak Valley Bancorp's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.943/330.2130*330.2130
=0.943

Current CPI (Mar. 2026) = 330.2130.

Oak Valley Bancorp Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.299 241.018 0.410
201609 0.234 241.428 0.320
201612 0.318 241.432 0.435
201703 0.439 243.801 0.595
201706 0.397 244.955 0.535
201709 -0.004 246.819 -0.005
201712 0.060 246.524 0.080
201803 0.498 249.554 0.659
201806 0.233 251.989 0.305
201809 0.520 252.439 0.680
201812 0.329 251.233 0.432
201903 0.988 254.202 1.283
201906 -0.161 256.143 -0.208
201909 0.551 256.759 0.709
201912 0.572 256.974 0.735
202003 0.473 258.115 0.605
202006 1.123 257.797 1.438
202009 0.246 260.280 0.312
202012 0.309 260.474 0.392
202103 0.853 264.877 1.063
202106 0.236 271.696 0.287
202109 0.581 274.310 0.699
202112 -0.420 278.802 -0.497
202203 0.272 287.504 0.312
202206 0.545 296.311 0.607
202209 0.956 296.808 1.064
202212 0.861 296.797 0.958
202303 1.442 301.836 1.578
202306 1.194 305.109 1.292
202309 0.147 307.789 0.158
202312 1.004 306.746 1.081
202403 0.988 312.332 1.045
202406 0.434 314.175 0.456
202409 1.058 315.301 1.108
202412 0.409 315.605 0.428
202503 0.853 319.799 0.881
202506 0.450 322.561 0.461
202509 0.765 324.800 0.778
202512 0.894 324.054 0.911
202603 0.943 330.213 0.943

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $2.53 mean?
Oak Valley Bancorp (OVLY) has a Cyclically Adjusted FCF per Share of $2.53 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Oak Valley Bancorp and its competitors.
Is Oak Valley Bancorp's Cyclically Adjusted FCF per Share too high?
Oak Valley Bancorp's current Cyclically Adjusted FCF per Share is $2.53. Overall, Oak Valley Bancorp has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oak Valley Bancorp's Cyclically Adjusted FCF per Share compare to FRAF and LRBI?
Oak Valley Bancorp's Cyclically Adjusted FCF per Share of $2.53 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Oak Valley Bancorp and its competitors. Oak Valley Bancorp's current Cyclically Adjusted FCF per Share is $2.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oak Valley Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Oak Valley Bancorp (OVLY) is currently considered Modestly Overvalued. The stock's GF Value™ is $28.56, compared to a current price of $33.33 — trading 16.7% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $2.53. Oak Valley Bancorp's overall GF Score™ is 73/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Oak Valley Bancorp (OVLY), the current Cyclically Adjusted FCF per Share is $2.53 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Oak Valley Bancorp (OVLY) Overvalued in 2026?

Based on GuruFocus' analysis, Oak Valley Bancorp stock appears to be overvalued. The current stock price of $33.33 is trading 16.7% above its estimated GF Value™ of $28.56. GuruFocus considers Oak Valley Bancorp to be Modestly Overvalued.

Key valuation signals for OVLY:

  • Cyclically Adjusted FCF per Share: $2.53
  • GF Value™: $28.56 vs. price of $33.33 (16.7% above fair value)
  • GF Score™: 73/100 with 3 warning signs

No single metric tells the full story. See the OVLY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Oak Valley Bancorp Business Description

Address 125 North Third Avenue, Oakdale, CA, USA, 95361
Oak Valley Bancorp is a bank holding company that operates through Oak Valley Community Bank (the Bank). The Bank offers a complement of business checking and savings accounts for its business customers. The Bank also offers commercial and real estate loans, as well as lines of credit. In addition, the bank provides other services for both individuals and businesses including online banking, remote deposit capture, mobile banking, merchant services, night depository, extended hours, wire transfer of funds, note collection, and automated teller machines in a national network. Its primary source of revenue is net interest income.
73GF Score

Get the complete analysis for OVLY

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$33.33
Price
$28.56
GF Value