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Oconee Financial Corporation (OSBK)
OTHER OTC:OSBK
US Market
OSBK
Oconee Financial
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Oconee Financial (OSBK) Ratios

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Oconee Financial Ratios

OSBK's free cash flow for Q2 2026 was $0.70. For the 2026 fiscal year, OSBK's free cash flow was decreased by $ and operating cash flow was $0.14. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.12 0.35 0.54 0.43
Quick Ratio
 0.00 0.12 0.35 0.41 0.43
Cash Ratio
 0.00 0.12 0.10 0.13 0.10
Solvency Ratio
 <0.01 <0.01 0.01 0.01 0.01
Operating Cash Flow Ratio
 0.00 <0.01 0.01 <0.01 <0.01
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -655.70M$ -601.73M$ -391.79M$ -324.98M$ -295.01M
Leverage Ratios
Debt-to-Assets Ratio
 0.04 0.04 0.03 0.02 0.02
Debt-to-Equity Ratio
 0.51 0.53 0.40 0.24 0.34
Debt-to-Capital Ratio
 0.34 0.34 0.29 0.20 0.25
Long-Term Debt-to-Capital Ratio
 0.34 0.34 0.29 0.20 0.25
Financial Leverage Ratio
 12.90 13.07 13.27 13.92 18.46
Debt Service Coverage Ratio
 0.42 0.56 0.64 1.19 3.86
Interest Coverage Ratio
 0.52 0.62 0.62 1.24 3.69
Debt to Market Cap
 0.62 0.61 0.47 0.34 0.29
Interest Debt Per Share
 39.95 39.02 27.96 16.86 12.56
Net Debt to EBITDA
 -0.23 -6.05 -5.24 -5.15 -6.14
Profitability Margins
Gross Profit Margin
70.00%70.88%71.66%80.24%93.58%
EBIT Margin
14.04%15.84%15.99%23.64%23.70%
EBITDA Margin
14.04%17.46%19.59%27.06%30.17%
Operating Profit Margin
14.04%15.84%15.99%23.64%23.70%
Pretax Profit Margin
14.04%15.84%15.99%23.64%23.70%
Net Profit Margin
11.29%12.78%12.95%19.31%18.34%
Continuous Operations Profit Margin
11.29%12.78%12.95%19.31%18.34%
Net Income Per EBT
80.44%80.68%80.94%81.69%77.39%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.69%0.77%0.77%1.01%0.77%
Return on Equity (ROE)
9.24%10.03%10.22%14.01%14.18%
Return on Capital Employed (ROCE)
0.86%7.45%8.20%4.11%13.70%
Return on Invested Capital (ROIC)
0.69%6.01%6.63%1.51%10.60%
Return on Tangible Assets
0.69%0.77%0.77%1.01%0.77%
Earnings Yield
9.26%11.63%11.93%19.71%12.39%
Efficiency Ratios
Receivables Turnover
 0.00 18.04 16.50 12.41 14.20
Payables Turnover
 0.00 0.00 0.00 0.00 0.48
Inventory Turnover
 0.00 0.00 0.00 0.12 0.00
Fixed Asset Turnover
 4.20 3.89 3.57 3.49 2.81
Asset Turnover
 0.06 0.06 0.06 0.05 0.04
Working Capital Turnover Ratio
 -0.16 -0.09 -0.14 -0.13 -0.08
Cash Conversion Cycle
 0.00 20.24 22.12 3.08K -726.89
Days of Sales Outstanding
 0.00 20.24 22.12 29.42 25.70
Days of Inventory Outstanding
 0.00 0.00 0.00 3.05K 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 752.59
Operating Cycle
 0.00 20.24 22.12 3.08K 25.70
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 5.80 6.38 3.88 4.16
Free Cash Flow Per Share
 0.00 4.64 5.40 3.04 3.79
CapEx Per Share
 0.00 1.17 0.98 0.83 0.37
Free Cash Flow to Operating Cash Flow
 0.00 0.80 0.85 0.79 0.91
Dividend Paid and CapEx Coverage Ratio
 0.00 2.61 3.31 2.38 3.89
Capital Expenditure Coverage Ratio
 0.00 4.96 6.51 4.66 11.22
Operating Cash Flow Coverage Ratio
 0.00 0.21 0.34 0.36 0.38
Operating Cash Flow to Sales Ratio
 0.00 0.14 0.18 0.12 0.17
Free Cash Flow Yield
0.00%10.01%13.67%9.72%10.21%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 10.80 8.61 8.39 5.07 8.07
Price-to-Sales (P/S) Ratio
 1.05 1.10 1.09 0.98 1.48
Price-to-Book (P/B) Ratio
 0.96 0.86 0.86 0.71 1.14
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 9.99 7.32 10.29 9.79
Price-to-Operating Cash Flow Ratio
 0.00 7.98 6.19 8.08 8.92
Price-to-Earnings Growth (PEG) Ratio
 -3.42 0.60 -0.35 0.15 0.22
Price-to-Fair Value
 0.96 0.86 0.86 0.71 1.14
Enterprise Value Multiple
 7.22 0.25 0.30 -1.53 -1.23
Enterprise Value
 46.28M 1.92M 2.21M -12.68M -8.32M
EV to EBITDA
 7.22 0.25 0.30 -1.53 -1.23
EV to Sales
 1.01 0.04 0.06 -0.41 -0.37
EV to Free Cash Flow
 0.00 0.40 0.39 -4.34 -2.45
EV to Operating Cash Flow
 0.00 0.32 0.33 -3.41 -2.23
Tangible Book Value Per Share
 55.00 52.96 45.30 43.08 32.42
Shareholders’ Equity Per Share
 55.00 53.69 46.12 44.08 32.42
Tax and Other Ratios
Effective Tax Rate
 0.20 0.19 0.19 0.18 0.23
Revenue Per Share
 43.53 42.12 36.40 31.97 25.07
Net Income Per Share
 4.91 5.38 4.71 6.17 4.60
Tax Burden
 0.80 0.81 0.81 0.82 0.77
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.39 0.38 0.35 0.37 0.42
Stock-Based Compensation to Revenue
 0.00 <0.01 0.00 <0.01 <0.01
Income Quality
 0.00 1.08 1.35 0.63 0.91
Currency in USD