Oconee Financial Corporation (OSBK)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 19 | 20 | 21 | 25 | 28 | 33 | 33 | - |
| Operating profit | $m | 7 | 6 | ||||||
| Net profit | $m | 2 | 3 | 4 | 6 | 5 | 6 | 5 | - |
| EPS reported | $ | 5.38 | 4.91 | ||||||
| Operating cashflow per share | $ | 5.80 | 0.00 | ||||||
| Capex per share | $ | 1.17 | 0.00 | ||||||
| FCF per share | $ | 4.64 | 0.00 | ||||||
| Free cash flow | $m | 5 | 0 | ||||||
| Net debt | $m | -172 | -1 | ||||||
| Book value equity | $m | 56 | 58 | ||||||
| Book value per share | $ | 53.69 | 55.00 | ||||||
| Number of shares | m | 1.05 | 1.05 | ||||||
| DPS (TTM paid) | $ | 1.15 | 1.15 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.61 | 10.56 | ||||||
| P/B LTM | x | 0.86 | 0.84 | ||||||
| P/S LTM | x | 1.48 | 1.45 | ||||||
| P/FCF LTM | x | 9.99 | 0.00 | ||||||
| EV/EBITDA LTM | x | 0.25 | 0.30 | ||||||
| EV/Sales LTM | x | 0.04 | 0.65 | ||||||
| Earnings Yield LTM | % | +11.61% | +9.47% | ||||||
| FCF Yield | % | +10.01% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +10.03% | +10.37% | ||||||
| ROIC | % | +6.01% | +6.12% | ||||||
| Operating margin | % | +15.84% | +15.40% | ||||||
| Gross margin | % | +70.88% | +70.42% | ||||||
| FCF/Sales | % | +11.00% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +14.23% | +4.25% | ||||||
| Sales Growth YoY | % | +16.36% | +18.34% | ||||||
| Net Income Growth YoY | % | +14.25% | +4.59% | ||||||
| FCF Growth | % | -14.15% | -100.00% | ||||||
| Operating Profit Growth | % | +14.62% | +5.24% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.27% | +2.20% | ||||||
| Dividend Growth | % | +9.52% | +9.52% | ||||||
| Payout Ratio | % | +19.53% | 0.00% | ||||||
| FCF/Debt | x | 0.16 | 0.00 | ||||||
| Net Debt/EBITDA | x | -6.05 | -2.49 | ||||||
| EBIT/Net interest | x | 0.62 | 0.59 | ||||||
| Net debt/market cap | % | +61.03% | +62.91% | ||||||
| Net debt/Equity | x | -3.06 | -0.03 | ||||||
| Gross debt/equity | x | 0.53 | 0.51 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Oconee Financial Corporation functions as the parent company for Oconee State Bank, delivering a comprehensive suite of commercial and personal banking solutions to individuals, businesses, and their local communities. Its product offerings encompass diverse deposit options, including checking, savings, money market, and individual retirement accounts, alongside certificates of deposit. For lending needs, the bank provides consumer, construction, commercial, Small Business Administration, and mortgage loans, as well as lines of credit, complemented by debit and credit card services. The corporation also offers an extensive range of ancillary services such as bill payment, electronic statements, secure deposit boxes, overdraft protection, stop payment orders, wire transfers, mobile and remote deposit capabilities, ACH advantage, merchant card services, check recovery, mobile text banking, and investment guidance. Customers can conveniently manage their finances through online, mobile, and telephone banking platforms. Oconee State Bank operates a network of physical locations: three full-service financial centers in Oconee County, one full-service center in Gwinnett County, and additional branches in Bogart, on Experiment Station Road (serving Butler's Crossing), and on North Brown Road in Lawrenceville. Furthermore, it maintains a limited service loan production office in Athens/Clarke County and another loan production office in downtown Athens at One Press Place. The institution also provides three automated teller machines strategically placed within Oconee County. Established in 1960, Oconee Financial Corporation is headquartered in Watkinsville, Georgia.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Oconee Financial Corporation (OSBK)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Oconee Financial Corporation functions as the parent company for Oconee State Bank, delivering a comprehensive suite of commercial and personal banking solutions to individuals, businesses, and their local communities. Its product offerings encompass diverse deposit options, including checking, savings, money market, and individual retirement accounts, alongside certificates of deposit. For lending needs, the bank provides consumer, construction, commercial, Small Business Administration, and mortgage loans, as well as lines of credit, complemented by debit and credit card services. The corporation also offers an extensive range of ancillary services such as bill payment, electronic statements, secure deposit boxes, overdraft protection, stop payment orders, wire transfers, mobile and remote deposit capabilities, ACH advantage, merchant card services, check recovery, mobile text banking, and investment guidance. Customers can conveniently manage their finances through online, mobile, and telephone banking platforms. Oconee State Bank operates a network of physical locations: three full-service financial centers in Oconee County, one full-service center in Gwinnett County, and additional branches in Bogart, on Experiment Station Road (serving Butler's Crossing), and on North Brown Road in Lawrenceville. Furthermore, it maintains a limited service loan production office in Athens/Clarke County and another loan production office in downtown Athens at One Press Place. The institution also provides three automated teller machines strategically placed within Oconee County. Established in 1960, Oconee Financial Corporation is headquartered in Watkinsville, Georgia.
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