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    Banks - Regional
Oconee Financial Corporation

Oconee Financial Corporation

OSBK
Oconee Financial CorporationUS flagOther OTC
52.00
USD
- -
- -
46.80MMarket Cap
Oconee Financial Corporation
OSBK
(Other OTC)

Recent

price

52.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
11.91
13.27
13.02
16.11
18.74
21.28
22.62
23.46
25.89
26.96
31.47
32.04
Revenue per Share
2.17
2.8
2.14
1.93
4.18
2.11
3.35
4.6
6.17
4.71
5.38
5.36
Basic EPS, GAAP
2.49
5.84
2.68
1.71
3.12
-5.34
6.54
3.79
3.04
3.88
4.63
- -
Free Cash Flow per Basic Share
0.25
0.43
0.6
0.6
0.6
0.6
0.65
0.7
0.79
0.95
1.05
- -
Dividend per Share
25.98
28.35
29.98
31.2
34.78
36.43
39.12
42.99
47.88
47.69
52.01
51.76
Book Value per Share
31.59
31.98
34.19
34.1
39.64
42.55
43.89
32.42
43.08
45.3
53.03
53.06
Tangible Book Value per Share
1
1
1
1
1
1
1
1
1
1
1
1
Basic Weighted Avg Shares
11
12
12
14
17
19
20
21
25
28
33
34
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
1
1
1
1
1
1
1
1
- -
Depreciation Expense
2
3
2
2
4
2
3
4
6
5
6
6
Net Income, GAAP
25.3
27.73
13.3
10.76
21.3
16.27
19.62
22.61
18.31
19.06
19.32
19.66
Effective Tax Rate (%)
18.21
21.14
16.43
11.98
22.29
9.9
14.79
19.6
23.85
17.48
17.1
16.73
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
10
10
10
10
19
30
30
LT Debt
28
29
31
31
36
38
39
29
42
48
56
56
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
10.32
7.34
6.32
12.66
5.91
8.86
11.2
14.02
10.29
10.8
10.79
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
30
30
30
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1
1
1
Market Capitalization
46
48
50

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
188
202
189
Accounts Receivable, Net
- -
2
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
1
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.46%
10.64%
16.6%
Free Cash Flow
-36.45%
-44.07%
19.57%
Net Income, GAAP
20.02%
27.49%
14.25%
Sales/Revenue/Turnover
12.15%
11.69%
16.78%
Total Cash Common Dividend
- -
15.65%
10.59%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7
7
7
7
28
2025
7
9
8
8
33
2026
8
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.23
1.12
1.25
- -
4.71
2025
0.97
1.74
1.48
- -
5.38
2026
0.94
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.95
2025
- -
- -
- -
- -
1.05
2026
- -
- -
- -
- -
- -
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Business
Oconee Financial Corporation (OTCQX: OSBK) operates as the holding company for Oconee State Bank, a community-oriented full-service commercial bank serving retail and small business customers primarily in Georgia. The bank provides a comprehensive range of deposit products, including checking accounts, savings and money market accounts, certificates of deposit, and individual retirement accounts; consumer, commercial, construction, and Small Business Administration loans; lines of credit; VISA debit and credit cards; merchant card services; safe deposit boxes; and digital banking solutions such as online banking, mobile banking, bill pay, mobile deposit, eStatements, and wire transfers. Oconee State Bank maintains full-service branches in Watkinsville, Athens, Bogart, Gwinnett, Macon, and Elberton, Georgia, with headquarters at 35 North Main Street, Watkinsville, Georgia; the bank traces its origins to February 1, 1960, while the holding company was incorporated in 1998. In recent developments, Oconee Financial Corporation completed the acquisition of Elberton Federal Savings & Loan Association in July 2023, expanding its footprint in northeast Georgia through a related common stock offering. The company announced the completion of a $20 million subordinated notes offering and reported third quarter 2025 financial results, reflecting ongoing capital strengthening and operational growth. Additional strategic moves include a prior $10 million private placement of subordinated notes and an expansion announcement into southeast Georgia and Tennessee.

Company News

APIChatGPT

  • prnewswire.com

    Oconee Financial Corporation Announces Increase in Annual Dividend

  • prnewswire.com

    Oconee Financial Corporation Reports Fourth Quarter 2023 Results

  • prnewswire.com

    Oconee Financial Corporation Reports Third Quarter 2023 Results

  • prnewswire.com

    Oconee Financial Corporation (OSBK) Reports Second Quarter 2023 Results

  • prnewswire.com

    Oconee Financial Corporation Completes Acquisition of Elberton Federal Savings & Loan Association and Related Common Stock Offering

  • prnewswire.com

    Oconee State Bank and Elberton Federal Enter Into Merger Agreement