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Oconee Financial
(OTC:OSBK)
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Rating:71Outperform
Price Target:
$59.00
▲(10.80% Upside)
Action:Upgraded
Date:08/06/26
OSBK scores positively overall due to attractive valuation (low P/E and a dividend) and a technically strong uptrend (price above key moving averages with positive MACD). The main offsets are fundamental risk factors: margin compression versus prior peaks, a materially higher leverage profile in 2025, and less consistent/less transparent cash conversion.
Positive Factors
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.
Negative Factors
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.
Read all positive and negative factors
Positive Factors
Negative Factors
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.
Read all positive factors
Oconee Financial (OSBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$55.91M
Dividend Yield2.14%
Average Volume (3M)391.00
Price to Earnings (P/E)10.8
Beta (1Y)0.16
Revenue Growth11.59%
EPS Growth-2.92%
CountryUS
Employees84
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.35
Shares Outstanding1,049,206
10 Day Avg. Volume189
30 Day Avg. Volume391
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
Oconee Financial Business Overview & Revenue Model
Company Description
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 encomp...
How the Company Makes Money
Oconee Financial primarily makes money through (1) net interest income and (2) noninterest income.
1) Net interest income (core earnings engine): The bank gathers funding mainly through customer deposits and other borrowings, then deploys those f...
Oconee Financial Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
63
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 45.37M | 44.06M | 38.08M | 30.68M | 22.48M | 21.92M |
| Gross Profit | 31.95M | 31.23M | 27.28M | 24.62M | 21.04M | 19.82M |
| EBITDA | 6.98M | 7.69M | 7.46M | 8.30M | 6.78M | 4.80M |
| Net Income | 5.61M | 5.63M | 4.93M | 5.93M | 4.12M | 3.00M |
Balance Sheet | ||||||
| Total Assets | 724.02M | 733.95M | 640.03M | 589.06M | 536.75M | 571.14M |
| Cash, Cash Equivalents and Short-Term Investments | 47.00M | 201.64M | 197.69M | 212.73M | 211.07M | 247.94M |
| Total Debt | 29.58M | 29.56M | 19.37M | 10.34M | 9.82M | 9.79M |
| Total Liabilities | 668.46M | 677.80M | 591.79M | 546.75M | 507.66M | 531.81M |
| Stockholders Equity | 55.57M | 56.16M | 48.24M | 42.31M | 29.08M | 39.33M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 4.85M | 5.65M | 2.92M | 3.40M | 5.87M |
| Operating Cash Flow | 0.00 | 6.07M | 6.67M | 3.72M | 3.73M | 9.71M |
| Investing Cash Flow | 0.00 | -71.85M | -42.96M | -21.33M | -12.61M | -74.75M |
| Financing Cash Flow | 0.00 | 83.37M | 41.67M | 19.28M | -25.47M | 74.40M |
Oconee Financial Technical Analysis
Neutral
53.25
Price Trends
52.72
Positive
51.45
Positive
49.12
Positive
Market Momentum
0.22
Positive
52.73
Neutral
49.91
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OSBK, the sentiment is Neutral. The current price of 53.25 is above the 20-day moving average (MA) of 53.17, above the 50-day MA of 52.72, and above the 200-day MA of 49.12, indicating a neutral trend. The MACD of 0.22 indicates Positive momentum. The RSI at 52.73 is Neutral, neither overbought nor oversold. The STOCH value of 49.91 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for OSBK.
Oconee Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $81.63M | 13.15 | 10.69% | 2.53% | 7.71% | 60.72% | |
71 Outperform | $55.91M | 10.84 | 9.24% | 2.16% | 11.59% | -2.92% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $50.14M | 14.55 | 5.66% | 1.30% | 5.94% | 51.02% | |
57 Neutral | $45.25M | 23.72 | 2.87% | ― | 8.66% | 958.30% | |
42 Neutral | $205.19M | -0.51 | -63.67% | 1.33% | -35.76% | -909.39% |
* Financial Sector Average
OSBK
Oconee Financial
53.54
12.90
31.74%
HFBL
Home Federal Bancorp Of Louisiana
25.92
13.29
105.27%
KFFB
Kentucky First Federal Bancorp
6.34
3.14
98.12%
BAFN
BayFirst Financial Corp
7.29
-2.08
-22.20%
TCBS
Texas Community
17.31
1.43
9.04%
MBBC
Marathon Bancorp
15.40
5.07
49.08%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.