OSBK
Oconee Financial Corporation
Price Chart
Latest Quote
$52.00
+0.00 (+0.00%)
Current Price
| Previous Close | $52.00 |
| Open | $52.00 |
| Day High | $52.00 |
| Day Low | $52.00 |
| Volume | 50 |
Stock Information
| Quarterly Dividend / Yield | $1.15 / 2.21% |
| Shares Outstanding | 1.05M |
| Quarterly Dividend Yield | 2.21% |
| Quarterly Dividend | $1.15 |
| Total Debt | $29.58M |
| Cash Equivalents | $47.00M |
| Revenue | $31.95M |
| Net Income | $5.61M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $54.54M |
| P/E Ratio | 9.72 |
| EPS (TTM) | $5.35 |
| Exchange | OQX |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $37.12M |
| Sales | $31.95M |
| Income | $5.61M |
| Book/sh | $52.98 |
| Cash/sh | $44.81 |
Financial Ratios
| EPS Growth TTM | -1.90% |
Returns & Margins
| ROA | 0.82% |
| ROE | 10.75% |
| Operating Margin | 16.28% |
| Profit Margin | 17.57% |
Ownership
| Insider & Institutional transactions data not available |
Valuation Ratios
| P/S | 1.71 |
| P/B | 0.98 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $52.00 |
| SMA50 | $50.51 |
| SMA200 | $46.57 |
| RSI | nan |
| Volatility | 0.07 |
| Rel Volume | 0.50 |
Performance History
| Week | +0.00% |
| Month | -0.60% |
| Quarter | +5.37% |
| 6 Months | +15.69% |
| YTD | +14.99% |
| Year | +33.44% |
| 3 Years | +87.42% |
| 5 Years | +56.91% |
| 10 Years | +86.15% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-19 | $52.00 | 50 |
| 2026-06-18 | $52.00 | 1,950 |
| 2026-06-17 | $52.00 | 0 |
| 2026-06-16 | $52.00 | 0 |
| 2026-06-15 | $52.00 | 0 |
| 2026-06-12 | $52.00 | 0 |
| 2026-06-11 | $52.00 | 0 |
| 2026-06-10 | $52.00 | 0 |
| 2026-06-09 | $52.00 | 0 |
| 2026-06-08 | $52.00 | 0 |
| 2026-06-05 | $52.00 | 0 |
| 2026-06-04 | $52.00 | 0 |
| 2026-06-03 | $52.00 | 0 |
| 2026-06-02 | $52.00 | 0 |
| 2026-06-01 | $52.00 | 0 |
| 2026-05-29 | $52.00 | 0 |
| 2026-05-28 | $52.00 | 0 |
| 2026-05-27 | $52.00 | 0 |
| 2026-05-26 | $52.00 | 0 |
| 2026-05-22 | $52.00 | 0 |
| 2026-05-21 | $52.00 | 100 |
| 2026-05-20 | $52.31 | 100 |
| 2026-05-19 | $51.75 | 0 |
About Oconee Financial Corporation
Oconee Financial Corporation operates as the bank holding company for Oconee State Bank that provides a range of commercial and consumer banking products and services to consumers, businesses, and communities. The company offers various deposit products, including checking, savings/money market, and individual retirement accounts, as well as certificates of deposits. It also provides loans comprising consumer, construction, commercial, small business administration, and mortgage loans; lines of credit; and debit and credit cards. In addition, the company offers bill pay, electronic statements, safe deposit box, overdraft protection, stop payment, wire transfer, mobile and remote deposit, ACH advantage, merchant card, check recovery, mobile text banking, and investment services; and online, mobile, and telephone banking services. It operates thee full-service financial centers in Oconee County; one full-service financial center in Gwinnett County; one limited service loan production office in Athens/Clarke County; one financial center in Bogart; one financial center located on Experiment Station Road, which serves the Butler's Crossing community; one financial center located on North Brown Road in Lawrenceville; and one loan production office located in One Press Place in downtown Athens; and three automated teller machines located in Oconee County. Oconee Financial Corporation was founded in 1960 and is headquartered in Watkinsville, Georgia.
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Income Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $28,195,565 | $24,845,314 | $21,040,487 | $20,274,078 |
| Operating Revenue | $28,195,565 | $24,845,314 | $21,040,487 | $20,274,078 |
| Expenses | ||||
| Interest Expense | $9,879,651 | $5,837,800 | $1,443,525 | $1,646,489 |
| General And Administrative Expense | $13,146,435 | $11,436,803 | $9,496,173 | $9,300,150 |
| Other Non Interest Expense | $6,501,155 | $6,415,728 | $5,253,020 | $5,093,205 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $4,929,179 | $5,926,177 | $4,123,685 | $2,999,529 |
| Net Interest Income | $23,152,146 | $20,612,183 | $16,408,948 | $15,625,431 |
| Interest Income | $33,031,797 | $26,449,983 | $17,852,473 | $17,271,920 |
| Normalized Income | $4,942,435 | $4,422,388 | $3,954,796 | $3,215,059 |
| Net Income From Continuing And Discontinued Operation | $4,929,179 | $5,926,177 | $4,123,685 | $2,999,529 |
| Net Income Common Stockholders | $4,929,179 | $5,926,177 | $4,123,685 | $2,999,529 |
| Net Income | $4,929,179 | $5,926,177 | $4,123,685 | $2,999,529 |
| Net Income Including Noncontrolling Interests | $4,929,179 | $5,926,177 | $4,123,685 | $2,999,529 |
| Net Income Continuous Operations | $4,929,179 | $5,926,177 | $4,123,685 | $2,999,529 |
| Pretax Income | $6,089,703 | $7,254,035 | $5,328,357 | $3,731,463 |
| Special Income Charges | $-16,377 | $1,840,738 | $218,227 | $-268,123 |
| Per Share | ||||
| Diluted EPS | $4.71 | $6.17 | $4.60 | $3.35 |
| Basic EPS | $4.71 | $6.17 | $4.60 | $3.35 |
| Other | ||||
| Tax Effect Of Unusual Items | $-3,121 | $336,949 | $49,338 | $-52,593 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-16,377 | $1,840,738 | $218,227 | $-268,123 |
| Total Unusual Items Excluding Goodwill | $-16,377 | $1,840,738 | $218,227 | $-268,123 |
| Reconciled Depreciation | $1,367,462 | $1,049,474 | $1,454,222 | $1,064,004 |
| Diluted Average Shares | $1,045,973 | $959,767 | $896,991 | $896,260 |
| Basic Average Shares | $1,045,973 | $959,767 | $896,991 | $896,260 |
| Diluted NI Availto Com Stockholders | $4,929,179 | $5,926,177 | $4,123,685 | $2,999,529 |
| Tax Provision | $1,160,524 | $1,327,858 | $1,204,672 | $731,934 |
| Other Special Charges | $16,377 | $-3,900 | $-218,227 | $268,123 |
| Restructuring And Mergern Acquisition | $0 | $-1,836,838 | $0 | - |
| Gain On Sale Of Security | $-550,250 | $2,237 | $749 | $172,312 |
| Selling General And Administration | $13,146,435 | $11,436,803 | $9,496,173 | $9,300,150 |
| Salaries And Wages | $13,146,435 | $11,436,803 | $9,496,173 | $9,300,150 |
| Occupancy And Equipment | $1,529,708 | $1,354,236 | $1,181,164 | $1,425,137 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $47,380,068 | $41,345,526 | $29,083,191 | $39,332,621 |
| Total Assets | $640,032,216 | $589,057,642 | $536,747,654 | $571,141,998 |
| Goodwill And Other Intangible Assets | $864,352 | $965,064 | $0 | - |
| Other Intangible Assets | $864,352 | $965,064 | - | - |
| Receivables | $2,307,168 | $2,473,405 | $1,582,877 | $15,158,402 |
| Accounts Receivable | $2,307,168 | $2,473,405 | $1,582,877 | $15,158,402 |
| Cash And Cash Equivalents | $58,478,454 | $53,094,864 | $51,430,016 | $85,774,514 |
| Cash Cash Equivalents And Federal Funds Sold | $58,478,454 | $53,094,864 | $51,430,016 | $85,774,514 |
| Debt | ||||
| Total Debt | $19,366,290 | $10,342,342 | $9,818,393 | $9,794,445 |
| Long Term Debt And Capital Lease Obligation | $19,366,290 | $10,342,342 | $9,818,393 | $9,794,445 |
| Long Term Debt | $19,366,290 | $10,342,342 | $9,818,393 | $9,794,445 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $591,787,796 | $546,747,052 | $507,664,463 | $531,809,377 |
| Payables And Accrued Expenses | - | - | $2,976,386 | $2,320,963 |
| Payables | - | - | $2,976,386 | $2,320,963 |
| Accounts Payable | - | - | $2,976,386 | $2,320,963 |
| Equity | ||||
| Common Stock Equity | $48,244,420 | $42,310,590 | $29,083,191 | $39,332,621 |
| Total Equity Gross Minority Interest | $48,244,420 | $42,310,590 | $29,083,191 | $39,332,621 |
| Stockholders Equity | $48,244,420 | $42,310,590 | $29,083,191 | $39,332,621 |
| Other Equity Interest | $-56,404 | $-71,214 | $-43,528 | $-38,311 |
| Gains Losses Not Affecting Retained Earnings | $-8,635,771 | $-10,610,974 | $-13,610,285 | $147,706 |
| Retained Earnings | $47,789,446 | $43,853,919 | $36,764,762 | $33,268,328 |
| Other | ||||
| Ordinary Shares Number | $1,048,538 | $1,048,280 | $897,950 | $897,538 |
| Share Issued | $1,048,538 | $1,048,280 | $897,950 | $897,538 |
| Tangible Book Value | $47,380,068 | $41,345,526 | $29,083,191 | $39,332,621 |
| Invested Capital | $67,610,710 | $52,652,932 | $38,901,584 | $49,127,066 |
| Total Capitalization | $67,610,710 | $52,652,932 | $38,901,584 | $49,127,066 |
| Additional Paid In Capital | $7,050,073 | $7,042,299 | $4,176,342 | $4,159,822 |
| Capital Stock | $2,097,076 | $2,096,560 | $1,795,900 | $1,795,076 |
| Common Stock | $2,097,076 | $2,096,560 | $1,795,900 | $1,795,076 |
| Investments And Advances | $139,211,860 | $159,612,661 | $159,640,457 | $162,165,152 |
| Net PPE | $10,653,530 | $8,795,018 | $8,000,576 | $8,602,518 |
| Accumulated Depreciation | $-5,494,997 | $-5,171,945 | $-4,430,696 | $-4,211,880 |
| Gross PPE | $16,148,527 | $13,966,963 | $12,431,272 | $12,814,398 |
| Construction In Progress | $205,882 | $31,177 | $164,574 | $137,945 |
| Other Properties | $2,580,243 | $1,005,935 | $1,005,935 | $805,146 |
| Machinery Furniture Equipment | $4,543,947 | $4,120,494 | $3,479,222 | $3,320,657 |
| Buildings And Improvements | $8,024,095 | $8,014,997 | $7,065,808 | $7,586,892 |
| Land And Improvements | $794,360 | $794,360 | $715,733 | $963,758 |
| Other Short Term Investments | $139,211,860 | $159,612,661 | $159,640,457 | $162,165,152 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $4,055,320 | $2,921,827 | $3,399,700 | $5,866,011 |
| Operating Activities | ||||
| Operating Cash Flow | $5,080,141 | $3,719,466 | $3,732,203 | $9,708,852 |
| Cash Flow From Continuing Operating Activities | $5,080,141 | $3,719,466 | $3,732,203 | $9,708,852 |
| Operating Gains Losses | $-662,097 | $-958,781 | $-1,293,228 | $-82,797 |
| Investing Activities | ||||
| Capital Expenditure | $-1,024,821 | $-797,639 | $-332,503 | $-3,842,841 |
| Investing Cash Flow | $-41,364,896 | $-21,332,079 | $-12,610,297 | $-74,750,412 |
| Cash Flow From Continuing Investing Activities | $-41,364,896 | $-21,332,079 | $-12,610,297 | $-74,750,412 |
| Net Other Investing Changes | $357,757 | $37,600 | $-38,100 | $-3,387,700 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-9,923 | $-12,141 | $-14,868 | $-12,214 |
| Issuance Of Capital Stock | $0 | $4,312,494 | $0 | $0 |
| Financing Cash Flow | $41,668,345 | $19,277,461 | $-25,466,404 | $74,397,644 |
| Cash Flow From Continuing Financing Activities | $41,668,345 | $19,277,461 | $-25,466,404 | $74,397,644 |
| Cash Dividends Paid | $-993,652 | $-762,022 | $-627,251 | $-582,179 |
| Common Stock Dividend Paid | $-993,652 | $-762,022 | $-627,251 | $-582,179 |
| Net Common Stock Issuance | $-9,923 | $4,300,353 | $-14,868 | $-12,214 |
| Common Stock Issuance | $0 | $4,312,494 | $0 | $0 |
| Net Other Financing Charges | - | $-1,189,663 | - | - |
| Other | ||||
| Repayment Of Debt | $-46,000,000 | $-3,250,000 | $0 | - |
| Issuance Of Debt | $55,000,000 | $0 | $0 | $0 |
| Interest Paid Supplemental Data | $9,736,575 | $5,445,531 | $1,443,344 | $1,664,775 |
| Income Tax Paid Supplemental Data | $1,512,001 | $1,756,687 | $1,393,640 | $881,000 |
| End Cash Position | $58,478,454 | $53,094,864 | $51,430,016 | $85,774,514 |
| Beginning Cash Position | $53,094,864 | $51,430,016 | $85,774,514 | $76,418,430 |
| Changes In Cash | $5,383,590 | $1,664,848 | $-34,344,498 | $9,356,084 |
| Common Stock Payments | $-9,923 | $-12,141 | $-14,868 | $-12,214 |
| Net Issuance Payments Of Debt | $9,000,000 | $-3,250,000 | $0 | $0 |
| Net Long Term Debt Issuance | $9,000,000 | $-3,250,000 | $0 | $0 |
| Long Term Debt Payments | $-46,000,000 | $-3,250,000 | $0 | - |
| Long Term Debt Issuance | $55,000,000 | $0 | $0 | $0 |
| Net Investment Purchase And Sale | $21,092,224 | $4,321,334 | $-16,897,556 | $-88,650,246 |
| Sale Of Investment | $38,283,797 | $6,353,883 | $13,695,771 | $40,429,546 |
| Purchase Of Investment | $-17,191,573 | $-2,032,549 | $-30,593,327 | $-129,079,792 |
| Net Business Purchase And Sale | $0 | $1,267,976 | $0 | - |
| Sale Of Business | $0 | $1,267,976 | $0 | - |
| Net PPE Purchase And Sale | $-1,024,821 | $-793,739 | $348,997 | $-3,842,841 |
| Sale Of PPE | $0 | $3,900 | $681,500 | $0 |
| Purchase Of PPE | $-1,024,821 | $-797,639 | $-332,503 | $-3,842,841 |
| Change In Working Capital | $1,063,024 | $249,323 | $-651,178 | $538,748 |
| Change In Payables And Accrued Expense | $662,584 | $1,061,682 | $584,342 | $443,654 |
| Change In Payable | $662,584 | $1,061,682 | $584,342 | $443,654 |
| Change In Account Payable | $662,584 | $1,061,682 | $584,342 | $443,654 |
| Change In Receivables | $400,440 | $-812,359 | $-1,235,520 | $95,094 |
| Changes In Account Receivables | $400,440 | $-812,359 | $-1,235,520 | $95,094 |
| Other Non Cash Items | $-2,374,570 | $-2,546,589 | $247,517 | $4,747,161 |
| Stock Based Compensation | $33,023 | $28,241 | $26,995 | $25,413 |
| Deferred Tax | $-188,067 | $-253,629 | $-175,810 | $-39,206 |
| Deferred Income Tax | $-188,067 | $-253,629 | $-175,810 | $-39,206 |
| Depreciation Amortization Depletion | $1,367,462 | $1,049,474 | $1,454,222 | $1,064,004 |
| Depreciation And Amortization | $1,367,462 | $1,049,474 | $1,454,222 | $1,064,004 |
| Gain Loss On Investment Securities | $550,250 | $0 | $-749 | $-172,312 |
| Gain Loss On Sale Of PPE | $16,377 | $-3,900 | $-218,227 | $268,123 |
| Net Income From Continuing Operations | $4,929,179 | $5,926,177 | $4,123,685 | $2,999,529 |
Fetched: 2026-02-02