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Oconee Financial (OSBK) Stock Price & Analysis

OSBK Stock Chart & Stats

$53.77$0.00(0.00%)
At close: 4:00 PM EST
$52$54$5622 Jul6 Aug17 Aug1 Sep15 Sep29 Sep
Day’s Range
$52.53 - $55.00
52-Week Range
$44.60 - $57.00
Previous Close
$53.77
Volume
N/A
Average Volume (3M)
95
Market Cap
$56.41M
Enterprise Value
$53.60M
Total Cash (Recent Filing)
$31.07M
Total Debt (Recent Filing)
$29.61M
Price to Earnings (P/E)
11.2
Beta
0.16
Next Earnings
Nov 05, 2026 (Est.)
EPS Estimate
N/A
Last Dividend Ex-Date
Mar 13, 2026
Dividend Yield
2.12%

Bulls Say, Bears Say

Bulls Say

Sustained Revenue Growth

Multi-year revenue growth and a 2025 re-acceleration indicate durable demand for lending and deposit services in core markets. Sustained top-line expansion supports scale, funds reinvestment in branches/tech, and underpins long-term net interest income generation.

Positive Cash Generation

Consistent positive operating and free cash flow provides the bank with internal funding for loan growth, dividends, and capital needs. Sustainable cash generation enhances resilience to shocks and reduces reliance on external financing over the medium term.

Stronger Capital Base And ROE

Rising equity and steady ~10% ROE provide capacity for balance-sheet expansion and regulatory cushions. A healthier capital base supports higher lending limits, cushions credit losses, and preserves strategic optionality for inorganic or organic growth initiatives.

Bears Say

Rising Leverage

Material increase in leverage over two years weakens financial flexibility and raises interest‑expense sensitivity. Higher debt levels reduce buffers against funding stress, constrain capital actions, and amplify downside in a rising rate or credit-deterioration environment.

Margin Compression

Declining margins versus recent peaks signal pressure on earnings power, potentially from funding cost increases or competitive pricing. Sustained margin erosion would reduce retained earnings and limit the bank's ability to absorb losses or invest for growth.

Opaque Cash Conversion

Reported gaps in cash-conversion metrics and a dip in FCF raise concerns about earnings quality and predictability. Limited visibility complicates forecasting and stress testing, increasing uncertainty around dividend sustainability and capital planning over multiple quarters.

OSBK FAQ

What was Oconee Financial’s price range in the past 12 months?
Oconee Financial lowest stock price was $44.60 and its highest was $57.00 in the past 12 months.
What is Oconee Financial’s market cap?
Oconee Financial’s market cap is $56.41M.
When is Oconee Financial’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were Oconee Financial’s earnings last quarter?
Oconee Financial released its earnings results on Aug 11, 2026. The company reported $1.304 earnings per share for the quarter.
Is Oconee Financial overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does Oconee Financial pay dividends?
Oconee Financial pays a Annually dividend of $1.15 which represents an annual dividend yield of 2.12%. See more information on Oconee Financial dividends here
What is Oconee Financial’s EPS estimate?
Oconee Financial’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Oconee Financial have?
Oconee Financial has 1,049,206 shares outstanding.
What happened to Oconee Financial’s price movement after its last earnings report?
Oconee Financial reported an EPS of $1.304 in its last earnings report. Following the earnings report the stock price went same 0%.
Which hedge fund is a major shareholder of Oconee Financial?
Currently, no hedge funds are holding shares in OSBK
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology