Oconee Financial (OSBK) AI Stock Analysis

4 Followers

Oconee Financial

(Other OTC:OSBK)

Select Model

Rating:65Neutral

Price Target:$58.00▲(7.65% Upside)

Action:downgraded

Date:11/07/26

The overall score reflects a stable regional bank with sound financial fundamentals and an attractive valuation. The primary strengths are consistent profitability, positive cash flow, and a low P/E ratio. Neutral technical indicators and the absence of earnings call or corporate event catalysts limit upside momentum, resulting in a moderately positive outlook.

Positive Factors

Sustained Revenue GrowthThe near doubling of revenue over five years indicates meaningful expansion in the bank’s customer and lending base. Continued growth provides a broader earnings platform, supports operating scale, and can strengthen competitive positioning if the company preserves credit discipline and service quality.

Negative Factors

Higher Financial LeverageThe sharp increase in debt relative to equity represents a weaker leverage profile than in prior years. Greater financial obligations can reduce flexibility during credit or funding stress, constrain future capital allocation, and make balance-sheet management more important as the bank continues to expand.

Oconee Financial (OSBK) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $55.35M
Dividend Yield: 2.11%
Average Volume (3M): 893
Price to Earnings (P/E): 10.6
Beta (1Y): 0.16
Revenue Growth: 8.35%
EPS Growth: -5.83%
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...

Oconee Financial Financial Statement Overview

Summary

Oconee Financial demonstrates solid financial health with consistent revenue growth, positive operating cash flow, and a healthy 10% return on equity. The manageable debt-to-equity ratio of 0.53 and adequate capitalization support stability, though slight margin compression and rising leverage warrant monitoring.

Income Statement

65Positive

Balance Sheet

68Positive

Cash Flow

70Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	46.21M	44.06M	38.08M	30.68M	22.48M	21.92M
Gross Profit	32.24M	31.23M	27.28M	24.62M	21.04M	19.82M
EBITDA	6.45M	7.69M	7.46M	8.30M	6.78M	4.80M
Net Income	5.23M	5.63M	4.93M	5.93M	4.12M	3.00M
Balance Sheet
Total Assets	751.19M	733.95M	640.03M	589.06M	536.75M	571.14M
Cash, Cash Equivalents and Short-Term Investments	24.88M	201.64M	197.69M	212.73M	211.07M	247.94M
Total Debt	19.63M	29.56M	19.37M	10.34M	9.82M	9.79M
Total Liabilities	694.49M	677.80M	591.79M	546.75M	507.66M	531.81M
Stockholders Equity	56.70M	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

Technical Analysis SentimentPositive

Last Price53.88

Price Trends

50DMA53.89Negative

100DMA53.38Positive

200DMA51.43Positive

Market Momentum

MACD-0.06Negative

RSI51.88Neutral

STOCH40.03Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OSBK, the sentiment is Positive. The current price of 53.88 is above the 20-day moving average (MA) of 53.68, below the 50-day MA of 53.89, and above the 200-day MA of 51.43, indicating a neutral trend. The MACD of -0.06 indicates Negative momentum. The RSI at 51.88 is Neutral, neither overbought nor oversold. The STOCH value of 40.03 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OSBK.

Oconee Financial Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

OSBK against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HFBL	74Outperform	$72.73M	10.63	11.12%	2.55%	7.94%	43.98%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
OSBK	65Neutral	$56.53M	10.62	9.25%	2.11%	8.35%	-5.83%
TCBS	63Neutral	$49.85M	15.05	5.83%	1.44%	2.23%	33.79%
KFFB	62Neutral	$47.50M	19.19	4.97%	0.87%	7.36%	360.42%
BAFN	52Neutral	$195.25M	-0.59	-42.56%	―	-40.59%	-260.04%

* Financial Sector Average

Performance Comparison

OSBK and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
OSBK	Oconee Financial Corporation	53.88	8.91	19.83%
HFBL	Home Federal Bancorp Inc. Of Louisiana	22.36	7.15	46.96%
KFFB	Kentucky First Federal	5.75	1.64	40.04%
BAFN	BayFirst Financial Corp	6.21	-2.14	-25.63%
TCBS	Texas Community Bancshares, Inc.	17.40	1.64	10.40%
MBBC	Marathon Bancorp, Inc.	14.90	4.04	37.20%

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.

Date of analysis: Nov 07, 2026

Oconee Financial AI Stock Analysis