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Oconee Financial Corp.

Oconee Financial Corp.

OOTC:OSBK
55.00
USD
-1.50
(-2.65%)
5.36EPS
8.86P/E
49.82MMarket Cap
Oconee Financial Corp.
OTC:OSBK
(OTC Markets)

Recent

price

55.00

P/E

ratio

8.86

div

yld

- -

ROIC.AI

2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
USD
11.91
13.27
13.02
16.11
18.74
21.28
22.62
23.46
25.89
26.96
31.47
- -
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
- -
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
31.59
31.98
34.19
34.08
39.77
42.51
43.82
32.39
40.36
46.01
53.53
- -
Book Value per Share
31.59
31.98
34.19
34.08
39.77
42.51
43.82
32.39
39.44
45.19
52.8
- -
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
- -
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
- -
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
- -
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
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
10
10
10
10
19
30
- -
LT Debt
28
29
31
31
36
38
39
29
42
48
56
- -
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
8.82
6.47
5.66
11.33
4.52
6.18
9.37
12.95
8.2
7.34
- -
Return on Capital (%)
- -
8.82
6.47
5.66
11.33
5.12
7.74
12.05
16.6
10.89
10.78
- -
Return on Common Equity (%)

Capital Structure

USD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
30
30
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1
1
1
Market Capitalization
49
50
55

Working Capital

USD

•

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

Growth Rates

USD

•

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

USD

•

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

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.23
1.12
1.25
1.11
4.71
2025
0.97
1.74
1.48
1.19
5.38
2026
0.94
- -
- -
- -
- -

Quarterly Dividends Per Share

USD

•

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

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