Oconee Financial Stock

Oconee Financial ROA

The Return on Assets (ROA) of Oconee Financial (OSBK) as of Aug 15, 2026 is 0.77 %. In the previous year, Return on Assets (ROA) was 0.53 % — a change of 46.29% (higher).

ROA

0.77 %

YoY

46.29%

Last updated:

In 2026, Oconee Financial's return on assets (ROA) was 0.77 %, a 46.29% increase from the 0.53 % ROA in the previous year.

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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.

ROA Details

Understanding Oconee Financial's Return on Assets (ROA)

Oconee Financial's Return on Assets (ROA) is a key performance indicator that measures the company's profitability in relation to its total assets. It is calculated by dividing the net income by the total assets. A higher ROA indicates efficient asset utilization to generate profits, reflecting managerial effectiveness and financial health.

Year-to-Year Comparison

Comparing Oconee Financial's ROA year-over-year provides insights into the company’s operational efficiency and asset utilization trends. An increasing ROA demonstrates enhanced asset efficiency and profitability, while a declining ROA can indicate operational or financial challenges.

Impact on Investments

Investors consider Oconee Financial's ROA as a crucial metric to evaluate the company’s profitability and efficiency. A higher ROA signifies that the company is effectively utilizing its assets to generate profits, making it a potentially attractive investment.

Interpreting ROA Fluctuations

Variations in Oconee Financial’s ROA can be attributed to changes in net income, asset purchases, or operational efficiencies. Analyzing these fluctuations assists in assessing the company's financial performance, management efficiency, and strategic financial positioning.

Frequently Asked Questions about Oconee Financial stock

Return on Assets (ROA) of Oconee Financial is 0.77 % in 2026.

Return on Assets (ROA) of Oconee Financial changed from 0.53 % to 0.77 %, representing a 46.29% change. The value is higher than the previous year.

On Eulerpool you can find the complete historical development of Return on Assets (ROA) Oconee Financial since 2006 – with annual values, charts, and detailed analysis.

Return on Assets, also known as ROA, is a financial metric used to measure a company's profitability. It is used to determine how effectively a company uses its assets to generate profits. It is also referred to as the ratio of net income to total assets. ROA is an important indicator of a company's overall financial performance as it measures the company's ability to generate more profit from the assets it employs.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Return on Assets (ROA)'s Oconee Financial with sector peers and the industry average to assess whether it is attractive.

To evaluate Return on Assets (ROA)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for Return on Assets (ROA).

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Profitability — Oconee Financial

ROEROAROCEROICAsset TurnoverInventory TurnoverReceivables TurnoverDays Sales OutstandingDays Inventory OutstandingDays Payable OutstandingCash Conversion CycleCROICGross Profit/AssetsFixed Asset TurnoverEquity TurnoverWorking Capital TurnoverPayables TurnoverCapital IntensityReceivables/RevenueInventory/RevenueEBIT/Assets

All Key Metrics — Oconee Financial