Oconee Financial Corporation Logo

Oconee Financial Corporation

OSBK

(3.0)
Stock Price

38,71 USD

1.04% ROA

14.65% ROE

6.4x PER

Market Cap.

34.380.000,00 USD

45.1% DER

2.49% Yield

18.65% NPM

Oconee Financial Corporation Stock Analysis

Oconee Financial Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Oconee Financial Corporation Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.77x), the stock offers substantial upside potential at a bargain price.

2 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

3 Dividend Growth

With a history of consistent dividend increases over the last five years, the company has proven to be a reliable choice for investors seeking steady income.

4 ROE

The stock's ROE falls within an average range (14.3%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.85%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 DER

The stock maintains a fair debt to equity ratio (62%), indicating a reasonable balance between the money it owes and the ownership it possesses.

7 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

8 Dividend

The company's history of regular dividend distributions in the last three years showcases its ability to generate reliable income for shareholders.

9 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (178) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

10 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

11 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

Oconee Financial Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Oconee Financial Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Buy
4 Stoch RSI Buy

Oconee Financial Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Oconee Financial Corporation Revenue
Year Revenue Growth
2012 11.032.115
2013 10.494.734 -5.12%
2015 10.684.329 1.77%
2016 11.898.345 10.2%
2017 11.681.469 -1.86%
2018 14.497.385 19.42%
2019 16.866.963 14.05%
2020 19.071.124 11.56%
2021 20.274.078 5.93%
2022 21.040.487 3.64%
2023 24.999.260 15.84%
2023 32.555.169 23.21%
2024 37.820.368 13.92%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Oconee Financial Corporation Research and Development Expenses
Year Research and Development Expenses Growth
2012 0
2013 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Oconee Financial Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
2012 0
2013 0 0%
2015 4.581.601 100%
2016 4.761.873 3.79%
2017 5.724.986 16.82%
2018 7.874.617 27.3%
2019 8.493.647 7.29%
2020 10.085.635 15.78%
2021 9.300.150 -8.45%
2022 9.496.173 2.06%
2023 11.402.296 16.72%
2023 11.436.803 0.3%
2024 12.925.912 11.52%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Oconee Financial Corporation EBITDA
Year EBITDA Growth
2012 2.320.096
2013 0 0%
2015 4.482.245 100%
2016 5.409.671 17.14%
2017 4.174.249 -29.6%
2018 3.773.043 -10.63%
2019 5.659.193 33.33%
2020 3.336.480 -69.62%
2021 4.795.467 30.42%
2022 8.226.104 41.7%
2023 13.058.112 37%
2023 1.049.474 -1144.25%
2024 0 0%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Oconee Financial Corporation Gross Profit
Year Gross Profit Growth
2012 11.032.115
2013 10.494.734 -5.12%
2015 10.684.329 1.77%
2016 11.898.345 10.2%
2017 11.681.469 -1.86%
2018 14.497.385 19.42%
2019 16.866.963 14.05%
2020 19.071.124 11.56%
2021 20.274.078 5.93%
2022 21.040.487 3.64%
2023 24.999.260 15.84%
2023 32.555.169 23.21%
2024 37.820.368 13.92%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Oconee Financial Corporation Net Profit
Year Net Profit Growth
2012 2.192.836
2013 920.566 -138.21%
2015 1.945.188 52.67%
2016 2.515.235 22.66%
2017 1.919.793 -31.02%
2018 1.737.398 -10.5%
2019 3.759.366 53.78%
2020 1.888.792 -99.04%
2021 2.999.529 37.03%
2022 4.123.685 27.26%
2023 11.731.596 64.85%
2023 5.926.177 -97.96%
2024 4.676.084 -26.73%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Oconee Financial Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2012 2
2013 1 -100%
2015 2 50%
2016 3 0%
2017 2 0%
2018 2 -100%
2019 4 75%
2020 2 -100%
2021 3 33.33%
2022 5 25%
2023 13 66.67%
2023 6 -100%
2024 4 -50%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Oconee Financial Corporation Free Cashflow
Year Free Cashflow Growth
2003 875.192.000
2012 0 0%
2012 3.919.406 100%
2013 2.727.084 -43.72%
2015 2.236.733 -21.92%
2016 5.235.410 57.28%
2017 2.403.729 -117.8%
2018 1.541.177 -55.97%
2019 2.807.725 45.11%
2020 -4.783.895 158.69%
2021 5.866.011 181.55%
2022 3.399.700 -72.54%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Oconee Financial Corporation Operating Cashflow
Year Operating Cashflow Growth
2003 875.192.000
2012 0 0%
2012 4.094.331 100%
2013 2.901.987 -41.09%
2015 2.579.432 -12.5%
2016 5.497.555 53.08%
2017 3.146.970 -74.69%
2018 2.121.144 -48.36%
2019 3.402.992 37.67%
2020 -3.168.372 207.41%
2021 9.708.852 132.63%
2022 3.732.203 -160.14%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Oconee Financial Corporation Capital Expenditure
Year Capital Expenditure Growth
2003 0
2012 0 0%
2012 174.925 100%
2013 174.903 -0.01%
2015 342.699 48.96%
2016 262.145 -30.73%
2017 743.241 64.73%
2018 579.967 -28.15%
2019 595.267 2.57%
2020 1.615.523 63.15%
2021 3.842.841 57.96%
2022 332.503 -1055.73%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Oconee Financial Corporation Equity
Year Equity Growth
2001 38.790.519.000
2002 43.566.937.000 10.96%
2003 50.547.382.000 13.81%
2004 52.144.642.000 3.06%
2005 56.798.146.000 8.19%
2006 60.972.497.000 6.85%
2007 62.240.824.000 2.04%
2008 310.357.359.000 79.95%
2009 304.951.227.000 -1.77%
2010 279.206.725.000 -9.22%
2011 267.248.057.000 -4.47%
2012 19.093.936 -1399548.86%
2013 22.710.532 15.92%
2015 28.330.163 19.84%
2016 28.686.308 1.24%
2017 30.665.860 6.46%
2018 30.689.057 0.08%
2019 35.667.096 13.96%
2020 38.135.105 6.47%
2021 39.332.621 3.04%
2022 29.083.191 -35.24%
2023 39.526.775 26.42%
2023 42.310.590 6.58%
2024 45.131.274 6.25%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Oconee Financial Corporation Assets
Year Assets Growth
2001 196.569.476.000
2002 225.164.940.000 12.7%
2003 259.727.595.000 13.31%
2004 249.487.658.000 -4.1%
2005 265.546.891.000 6.05%
2006 292.979.933.000 9.36%
2007 330.064.429.000 11.24%
2008 560.793.229.000 41.14%
2009 554.578.858.000 -1.12%
2010 504.903.380.000 -9.84%
2011 480.002.150.000 -5.19%
2012 275.121.477 -174369.17%
2013 280.194.360 1.81%
2015 298.342.966 6.08%
2016 335.444.062 11.06%
2017 355.072.925 5.53%
2018 349.860.283 -1.49%
2019 399.521.439 12.43%
2020 494.535.702 19.21%
2021 571.141.998 13.41%
2022 536.747.654 -6.41%
2023 579.887.626 7.44%
2023 589.057.644 1.56%
2024 602.251.587 2.19%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Oconee Financial Corporation Liabilities
Year Liabilities Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 353.921 100%
2015 270.012.803 99.87%
2016 306.757.754 11.98%
2017 324.407.065 5.44%
2018 674.253 -48013.55%
2019 2.331.769 71.08%
2020 456.400.597 99.49%
2021 531.809.377 14.18%
2022 507.664.463 -4.76%
2023 31.586.355 -1507.23%
2023 546.747.054 94.22%
2024 557.120.314 1.86%

Oconee Financial Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
31.99
Net Income per Share
5.97
Price to Earning Ratio
6.4x
Price To Sales Ratio
1.03x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.89
EV to Sales
0.33
EV Over EBITDA
3.29
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.16
FreeCashFlow Yield
0
Market Cap
0,03 Bil.
Enterprise Value
0,01 Bil.
Graham Number
76.1
Graham NetNet
-345.77

Income Statement Metrics

Net Income per Share
5.97
Income Quality
0
ROE
0.15
Return On Assets
0.01
Return On Capital Employed
0.04
Net Income per EBT
0.83
EBT Per Ebit
0.29
Ebit per Revenue
0.77
Effective Tax Rate
0.17

Margins

Sales, General, & Administrative to Revenue
0.37
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.77
Pretax Profit Margin
0.23
Net Profit Margin
0.19

Dividends

Dividend Yield
0.02
Dividend Yield %
2.49
Payout Ratio
0
Dividend Per Share
0.95

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.32
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
186,88
Book Value per Share
43,15
Tangible Book Value per Share
43.15
Shareholders Equity per Share
43.15
Interest Debt per Share
27.65
Debt to Equity
0.45
Debt to Assets
0.03
Net Debt to EBITDA
-6.97
Current Ratio
0
Tangible Asset Value
0,05 Bil.
Net Current Asset Value
-0,51 Bil.
Invested Capital
52334726
Working Capital
0,04 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.59

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Oconee Financial Corporation Dividends
Year Dividends Growth
2020 1
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

Oconee Financial Corporation Profile

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.

CEO
Mr. Timothy Neil Stevens
Employee
84
Address
35 North Main Street
Watkinsville, 30677

Oconee Financial Corporation Executives & BODs

Oconee Financial Corporation Executives & BODs
# Name Age
1 Mr. Philip A. Bernardi
Executive Vice President & Chief Banking Officer
70
2 Mr. Thomas F. Wilson
Executive Vice President & Chief Credit Officer
70
3 Ms. Cristi J. Donahue
Executive Vice President & Chief Administrative Officer
70
4 Selena B. Ruth
Executive Vice President
70
5 Mr. Timothy Neil Stevens
President, Chief Executive Officer & Director
70
6 Mr. James R. McLemore CFA
Executive Vice President, Chief Financial Officer & Corporate Development Officer
70

Oconee Financial Corporation Competitors