Want to see OSBK full AI Analyst Report?
Oconee Financial (OSBK) AI Stock Analysis
Oconee Financial
(Other OTC:OSBK)
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.
Oconee Financial (OSBK) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $57.69M
- Dividend Yield
- 2.12%
- Average Volume (3M)
- 955
- Price to Earnings (P/E)
- 11.2
- Beta (1Y)
- 0.16
- Revenue Growth
- 11.59%
- EPS Growth
- -2.92%
- Country
- US
- Employees
- 84
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 encompass...
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 funds...
Oconee Financial Financial Statement Overview
Summary
Income statement trends are constructive with strong multi-year revenue growth and solid 2025 profitability (~12.8% net margin), but margins have compressed from the 2022–2023 peak. Balance-sheet risk increased as leverage rose (debt-to-equity ~0.53 in 2025 vs ~0.24 in 2023). Cash flow is positive (2025 OCF ~$6.1M; FCF ~$4.8M) but less consistent and with limited visibility into cash conversion quality for 2025.
Income Statement
74PositiveBalance Sheet
63PositiveCash Flow
60Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 45.66M | 44.06M | 38.08M | 30.68M | 22.48M | 21.92M |
| Gross Profit | 31.96M | 31.23M | 27.28M | 24.62M | 21.04M | 19.82M |
| EBITDA | 6.41M | 7.69M | 7.46M | 8.30M | 6.78M | 4.80M |
| Net Income | 5.16M | 5.63M | 4.93M | 5.93M | 4.12M | 3.00M |
Balance Sheet | ||||||
| Total Assets | 744.46M | 733.95M | 640.03M | 589.06M | 536.75M | 571.14M |
| Cash, Cash Equivalents and Short-Term Investments | 31.07M | 201.64M | 197.69M | 212.73M | 211.07M | 247.94M |
| Total Debt | 29.61M | 29.56M | 19.37M | 10.34M | 9.82M | 9.79M |
| Total Liabilities | 686.77M | 677.80M | 591.79M | 546.75M | 507.66M | 531.81M |
| Stockholders Equity | 57.69M | 56.16M | 48.24M | 42.31M | 29.08M | 39.33M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 4.85M | 5.65M | 2.92M | 3.40M | 5.87M |
| Operating Cash Flow | 0 | 6.07M | 6.67M | 3.72M | 3.73M | 9.71M |
| Investing Cash Flow | 0 | -71.85M | -42.96M | -21.33M | -12.61M | -74.75M |
| Financing Cash Flow | 0 | 83.37M | 41.67M | 19.28M | -25.47M | 74.40M |
Oconee Financial Technical Analysis
Price Trends
Market Momentum
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 53.77 is below the 20-day moving average (MA) of 53.81, below the 50-day MA of 53.82, and above the 200-day MA of 51.12, indicating a neutral trend. The MACD of -0.05 indicates Positive momentum. The RSI at 47.64 is Neutral, neither overbought nor oversold. The STOCH value of 50.40 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
Overall Rating
- OSBK71Outperform
TCBS65Neutral
HFBL64Neutral
KFFB62Neutral
BAFN52Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| OSBK | 71Outperform | $56.41M | 11.20 | 9.24% | 2.12% | 11.59% | -2.92% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| TCBS | 65Neutral | $49.87M | 14.34 | 6.14% | 1.44% | 5.94% | 51.02% |
| HFBL | 64Neutral | $69.25M | 10.68 | 11.12% | 2.49% | 7.94% | 43.98% |
| KFFB | 62Neutral | $43.18M | 22.64 | 3.86% | 0.94% | 8.69% | 958.30% |
| BAFN | 52Neutral | $156.38M | -0.55 | -42.84% | ― | -40.59% | -260.03% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| OSBK | Oconee Financial Corporation | 53.77 | 8.90 | 19.84% | |
| HFBL | Home Federal Bancorp Inc. Of Louisiana | 22.85 | 6.90 | 43.23% | |
| KFFB | Kentucky First Federal | 5.34 | 1.39 | 35.29% | |
| BAFN | BayFirst Financial Corp | 5.80 | -3.50 | -37.63% | |
| TCBS | Texas Community Bancshares, Inc. | 17.36 | 1.70 | 10.83% | |
| MBBC | Marathon Bancorp, Inc. | 14.44 | 3.50 | 31.95% |
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.
Date of analysis: Aug 06, 2026