Oconee Financial

Oconee Financial FCF/Debt

The Free Cash Flow to Debt Ratio of Oconee Financial (OSBK) as of Oct 22, 2026 is 16.40 %. In the previous year, Free Cash Flow to Debt Ratio was 20.94 % — a change of -21.66% (lower).

FCF/Debt

16.40 %

YoY

-21.66%

Last updated:

Free Cash Flow to Debt Ratio of Oconee Financial is 2025 16.40 % . Free Cash Flow to Debt Ratio of Oconee Financial was 2024 20.94 % . It decreases by -21.66% lower compared to the previous year.

The Oconee Financial FCF/Debt history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

FCF/Debt
Date
FCF/Debt
Jan 1, 2020
-48.96 USD
Jan 1, 2021
59.89 USD
Jan 1, 2022
34.63 USD
Jan 1, 2023
28.25 USD
Jan 1, 2024
20.94 USD
Jan 1, 2025
16.40 USD
The Oconee Financial FCF/Debt history
YEARFCF/DebtYoY
16.40 %-21.66%
20.94 %-25.88%
28.25 %-18.41%
34.63 %-42.19%
59.89 %-222.32%
-48.96 %—

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Oconee Financial Stock analysis

What does Oconee Financial do? Oconee Financial Corp is a publicly traded company operating in Georgia, USA. The company was founded in 1950 under the name Oconee State Bank and changed its name to Oconee Financial Corp when it became a holding company in 1992. The business model of Oconee Financial Corp focuses on providing financial support to small and medium-sized businesses in the region. The company offers various financial products and services including loans, checks, savings accounts, transfers, and insurance. The establishment of subsidiaries such as Oconee Investments Inc. and Oconee Insurance Services Inc. has allowed the company to expand its offerings. The different divisions of the company have different focuses. Oconee State Bank focuses on providing loans to small and medium-sized businesses, offering various types of loans including mortgages, working capital loans, and equipment investment loans. The bank also maintains a range of savings accounts and offers various services such as checks, transfers, and other banking transactions. Through its subsidiary, Oconee Investments Inc., the company allows customers to engage in securities trading and investment funds. Oconee Insurance Services Inc. offers a wide range of insurance products including life insurance, auto insurance, fleet insurance, and liability insurance. Oconee Financial Corp's strong relationships with the community in Georgia are noteworthy. The company supports local charities and schools and is committed to promoting education for young people in the region. The products of Oconee Financial Corp are designed to meet the specific needs of small and medium-sized businesses. The company offers tailored financial solutions to help these businesses expand their operations and address challenges such as liquidity problems. In summary, Oconee Financial Corp plays an important role in the financial industry in Georgia. With its extensive experience and deep roots in the community, the company is a valuable partner for small and medium-sized businesses. The wide range of financial products and services, complemented by subsidiaries such as Oconee Investments Inc. and Oconee Insurance Services Inc., make it an attractive partner for those who want their financial matters in safe hands. Oconee Financial is one of the most popular companies on Eulerpool.

Frequently Asked Questions about Oconee Financial stock

Free Cash Flow to Debt Ratio of Oconee Financial is 16.40 % in 2025.

Free Cash Flow to Debt Ratio of Oconee Financial changed from 20.94 % to 16.40 %, representing a -21.66% change. The value is lower than the previous year.

On Eulerpool you can find the complete historical development of Free Cash Flow to Debt Ratio Oconee Financial since 2006 – with annual values, charts, and detailed analysis.

FCF/Debt measures the percentage of total debt that could be repaid from free cash flow. It is a stricter measure than OCF/Debt as it accounts for capital expenditures.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Free Cash Flow to Debt Ratio's Oconee Financial with sector peers and the industry average to assess whether it is attractive.

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Leverage — Oconee Financial

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