Valley Republic Bancorp VLLX OTC

Valley Republic Bancorp (VLLX) generated $18.97M in operating cash flow for fiscal year 2020. After capital expenditures of $347K, free cash flow was $18.62M.

Free cash flow margin was 51.3% of revenue. Cash conversion ratio was 1.51x, indicating earnings are backed by cash.

Criteria supported by this page:

• HEALTH (67/100, Partial) — cash generation is adequate but may not fully cover debt in stressed conditions
• MOAT (46/100, Partial) — cash flow generation is present but not at levels indicating a wide moat
• INCOME (100/100) — Cash conversion ratio was 1.51x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 79/100 with 4/7 criteria passed.