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OSBK Stock Chart & Stats
$53.25
$0.00(0.00%)
At close: 4:00 PM EDT
$53.25
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$43.02 - $54.88
Previous CloseN/A
Volume50.00
Average Volume (3M)63.00
Market Cap
$56.17M
Enterprise Value$53.60
Total Cash (Recent Filing)$31.07M
Total Debt (Recent Filing)$29.61M
Price to Earnings (P/E)10.8
Beta0.15
Next Earnings
Nov 05, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.12%
Share Statistics
EPS (TTM)4.91
Shares Outstanding1,049,206
10 Day Avg. Volume170
30 Day Avg. Volume63
Financial Highlights & Ratios
PEG Ratio0.60
Price to Book (P/B)0.86
Price to Sales (P/S)1.10
P/FCF Ratio9.99
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Sustained Revenue GrowthMulti-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 GenerationConsistent 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 ROERising 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 LeverageMaterial 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 CompressionDeclining 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 ConversionReported 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 Corporation’s price range in the past 12 months?
Oconee Financial Corporation lowest stock price was $43.02 and its highest was $54.88 in the past 12 months.
What is Oconee Financial Corporation’s market cap?
Oconee Financial Corporation’s market cap is $56.17M.
When is Oconee Financial Corporation’s upcoming earnings report date?
Oconee Financial Corporation’s upcoming earnings report date is Nov 05, 2026 which is in 56 days.
How were Oconee Financial Corporation’s earnings last quarter?
Oconee Financial Corporation released its earnings results on Aug 11, 2026. The company reported $1.304 earnings per share for the quarter.
Is Oconee Financial Corporation overvalued?
According to Wall Street analysts Oconee Financial Corporation’s price is currently Overvalued.
Does Oconee Financial Corporation pay dividends?
Oconee Financial Corporation pays a Annually dividend of $1.15 which represents an annual dividend yield of 2.12%. See more information on Oconee Financial Corporation dividends here
What is Oconee Financial Corporation’s EPS estimate?
Oconee Financial Corporation’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Oconee Financial Corporation have?
Oconee Financial Corporation has 1,049,206 shares outstanding.
What happened to Oconee Financial Corporation’s price movement after its last earnings report?
Oconee Financial Corporation 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 Corporation?
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
Oconee Financial Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
26.03%
12-Months-Change
Fundamentals
Return on Equity
2.12%
Trailing 12-Months
Asset Growth
11.07%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Oconee Financial Corporation
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.
Technical Analysis
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