Oconee Financial Corporation Financial Ratios — OSBK Stock

Profitability (USD)

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	10.32	7.34	6.32	12.66	5.91	8.86	11.2	14.02	10.29	10.8
Return on Assets (%)	- -	0.79	0.56	0.49	1	0.42	0.56	0.74	1.05	0.8	0.82
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	10.18	10.4	10.93	7.31	5.23	5.67	5.25	6.91	4.22	4.85	2.17
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	24.37	29.25	18.96	13.43	28.32	11.83	18.41	25.32	29.2	21.6	21.2
Profit Margin (%)	18.21	21.14	16.43	11.98	22.29	9.9	14.79	19.6	23.85	17.48	17.1
Net Income to Common Margin (%)	18.21	21.14	16.43	11.98	22.29	9.9	14.79	19.6	23.85	17.48	17.1
Effective Tax Rate (%)	25.3	27.73	13.3	10.76	21.3	16.27	19.62	22.61	18.31	19.06	19.32
Dvd Payout Ratio (%)	11.56	15.38	28.12	31.08	14.36	28.54	19.41	15.21	12.86	20.16	19.51
Sustainable Growth Rate (%)	- -	8.74	5.28	4.36	10.84	4.22	7.14	9.5	12.22	8.21	8.69

Credit (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	- -	- -	- -	10	10	10	10	19	30
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	10	10	10	10	19	30
Total Debt/EBITDA	- -	- -	- -	- -	- -	9.04	9.21	6.75	9.85	14.16	41.43
Net Debt/EBITDA	-28.51	-45.19	-44.7	-21.1	-43.18	-61.68	-71.41	-28.61	-40.74	-28.6	-65.19
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.81	7.58	7.57	8.03	7.83	6.6	6.14	7.18	7.8	7.79	7.41
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	25.62	24.9	33.76	24.44	40.14	52.54
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	23.04	21.83	20.29	18.37	27.96	35.2
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	1.98	1.71	1.83	1.76	3.03	4.03
Total Debt/Equity (%)	- -	- -	- -	- -	- -	25.62	24.9	33.76	24.44	40.14	52.54
Total Debt/Capital (%)	- -	- -	- -	- -	- -	23.04	21.83	20.29	18.37	27.96	35.2
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	1.98	1.71	1.83	1.76	3.03	4.03
Net Debt to Equity	-109.48	-194.87	-186.05	-72.88	-106.82	-174.77	-193.17	-143.08	-101.04	-81.07	-82.68
Net Debt/Capital (%)	401.9	183.43	189.12	-391.03	559.92	196.01	185.69	1,363.89	-1,336.87	-363.01	-587.85
EBITDA	1	1	1	1	1	1	1	1	1	1	1
EBITDA-CapEx	1	1	1	- -	- -	-1	-3	1	- -	- -	-1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.81	7.58	7.57	8.03	7.83	6.6	6.14	7.18	7.8	7.79	7.41
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	25.62	24.9	33.76	24.44	40.14	52.54
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	23.04	21.83	20.29	18.37	27.96	35.2
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	1.98	1.71	1.83	1.76	3.03	4.03
Total Debt/Equity (%)	- -	- -	- -	- -	- -	25.62	24.9	33.76	24.44	40.14	52.54
Total Debt/Capital (%)	- -	- -	- -	- -	- -	23.04	21.83	20.29	18.37	27.96	35.2
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	1.98	1.71	1.83	1.76	3.03	4.03
CFO/Total Liabilities	0.96	1.79	0.97	0.66	0.94	-0.69	1.83	0.74	0.68	0.86	0.9
CFO/CapEx	7.53	20.97	4.23	3.66	5.72	-1.96	2.53	11.22	4.66	4.96	4.96
Altman's Z-Score	0.14	0.13	0.13	0.15	0.2	0.17	0.16	0.17	0.18	0.19	0.19

Working Capital (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	5.9	3.92	2.43	2.22	2.08	1.54	2.51	12.25	11.8	13.86
Days Sales Outstanding	- -	61.85	93.2	149.99	164.63	175.78	236.63	145.21	29.8	30.94	26.33
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	31	32	39	33	30	41	48
- Cash & Cash Equivalents	31	56	57	22	38	76	86	51	53	58	76
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	10	10	10	10	19	30
Enterprise Value	-152	-183	-178	-113	-106	-110	-199	-168	-151	-121	-124
Total Capital	23	25	27	28	31	42	45	48	56	69	84
Total Debt/Capital (%)	- -	- -	- -	- -	- -	23.04	21.83	20.29	18.37	27.96	35.2
Total Debt / EV	- -	- -	- -	- -	- -	-0.09	-0.05	-0.06	-0.07	-0.16	-0.24
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	31	32	39	33	30	41	48
Diluted Enterprise Value	-31	-56	-57	-22	-7	-34	-37	-8	-13	2	2
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	11	12	12	14	17	19	20	21	25	28	33
TTM EBITDA	1	1	1	1	1	1	1	1	1	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	3	5	3	2	3	-3	10	4	4	5	6
TTM Free Cash Flow to Firm	3	6	4	3	4	-2	14	4	5	6	7

Multiples (USD)

API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	7.71	-20.92	2.91	8.19	6.66	6.77	6.64
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-152	-183	-178	-113	-106	-110	-199	-168	-151	-121	-124
Low Price	- -	- -	- -	- -	32.55	32.2	36.25	37.1	30	31.57	38.26
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	8.2	17.2	13.15	8.07	5.07	8.38	8.6
Price/Earnings Average	- -	- -	- -	- -	8.23	15.96	12.06	9.04	5.31	7.7	7.69
Price/Earnings High	- -	- -	- -	- -	9.1	17.2	14.04	9.57	6.07	8.49	8.6
Price/Earnings Low	- -	- -	- -	- -	7.79	15.28	10.83	8.07	4.86	6.7	7.11
Price/Book Value	- -	- -	- -	- -	0.99	1	1.12	0.86	0.65	0.83	0.89
Price/Book Value Average	- -	- -	- -	- -	0.99	0.92	1.03	0.97	0.68	0.76	0.8
Price/Book Value High	- -	- -	- -	- -	1.09	1	1.2	1.02	0.78	0.84	0.89
Price/Book Value Low	- -	- -	- -	- -	0.94	0.88	0.93	0.86	0.63	0.66	0.74
Price/Tangible Book Value	- -	- -	- -	- -	0.86	0.85	1	1.14	0.73	0.87	0.87
Price/Tangible Book Value Average	- -	- -	- -	- -	0.87	0.79	0.92	1.28	0.76	0.8	0.78
Price/Tangible Book Value High	- -	- -	- -	- -	0.96	0.85	1.07	1.36	0.87	0.88	0.87
Price/Tangible Book Value Low	- -	- -	- -	- -	0.82	0.76	0.83	1.14	0.7	0.7	0.72
Price/Sales	- -	- -	- -	- -	1.83	1.7	1.95	1.58	1.21	1.47	1.47
Price/Sales Average	- -	- -	- -	- -	1.83	1.58	1.78	1.77	1.27	1.35	1.32
Price/Sales High	- -	- -	- -	- -	2.03	1.7	2.08	1.88	1.45	1.48	1.47
Price/Sales Low	- -	- -	- -	- -	1.74	1.51	1.6	1.58	1.16	1.17	1.22
Price/Cash Flow	- -	- -	- -	- -	9.06	-10.25	4.06	8.92	8.08	8.13	7.98
Price/Cash Flow Average	- -	- -	- -	- -	9.09	-9.52	3.73	9.99	8.46	7.47	7.14
Price/Cash Flow High	- -	- -	- -	- -	10.05	-10.25	4.34	10.57	9.68	8.24	7.98
Price/Cash Flow Low	- -	- -	- -	- -	8.61	-9.11	3.35	8.92	7.74	6.5	6.59
Price/Free Cash Flow Average	- -	- -	- -	- -	7.74	-19.42	2.67	9.17	6.97	6.22	5.94
Price/Free Cash Flow High	- -	- -	- -	- -	8.55	-20.92	3.11	9.71	7.97	6.85	6.64
Price/Free Cash Flow Low	- -	- -	- -	- -	7.33	-18.58	2.4	8.19	6.37	5.41	5.49
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.1	0.06
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	-28.51	-45.19	-44.7	-21.1	-8.11	-33.77	-37.41	-2.97	-10.75	-0.84	-4.46
EV/EBITDA High	-28.51	-45.19	-44.7	-21.1	-4.42	-31.61	-31.82	-1.47	-6.44	1.99	2.72
EV/EBITDA Low	-28.51	-45.19	-44.7	-21.1	-9.98	-34.97	-40.87	-5.73	-13.3	-4.45	-9.08
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	34.27	36.25	44	37.11	31.33	39.51	46.3
High Price	- -	- -	- -	- -	38	36.25	47	44	37.5	40	46.3
Enterprise Value Average	-31	-56	-57	-22	-7	-36	-40	-4	-11	-1	-3
Enterprise Value High	-31	-56	-57	-22	-4	-34	-34	-2	-7	3	2
Enterprise Value Low	-31	-56	-57	-22	-9	-38	-43	-8	-14	-6	-6

Shares Outstanding	1	1	1	- -	1	1	1	1	1	1	1
Diluted Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1
Basic Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1
Revenue per Share	11.91	13.27	13.02	16.11	18.74	21.28	22.62	23.46	25.89	26.96	31.47
EBITDA per Share	1.21	1.38	1.42	1.18	0.98	1.21	1.19	1.62	1.09	1.31	0.68
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	2.17	2.8	2.14	1.93	4.18	2.11	3.35	4.6	6.17	4.71	5.38
Basic EPS from Cont Ops	2.17	2.8	2.14	1.93	4.18	2.11	3.35	4.6	6.17	4.71	5.38
Diluted EPS, GAAP	2.17	2.8	2.14	1.93	4.18	2.11	3.35	4.6	6.17	4.71	5.38
Diluted EPS from Cont Ops	2.17	2.8	2.14	1.93	4.18	2.11	3.35	4.6	6.17	4.71	5.38
Dividend per Share	0.25	0.43	0.6	0.6	0.6	0.6	0.65	0.7	0.79	0.95	1.05
Cash Flow per Share	2.88	6.13	3.51	2.36	3.78	-3.54	10.83	4.16	3.88	4.86	5.8
Free Cash Flow per Basic Share	2.49	5.84	2.68	1.71	3.12	-5.34	6.54	3.79	3.04	3.88	4.63
Cash & Equivalents per Share	169.82	204.27	198.45	125.74	152.61	169.58	276.64	235.31	199.13	173.44	192.69
Book Value per Share	25.98	28.35	29.98	31.2	34.78	36.43	39.12	42.99	47.88	47.69	52.01
Tangible 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

Oconee Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)