Oconee Financial (OSBK) Stock Price

Oconee Financial Price

OTC·CLOSED
53.00USD+0.00 (+0.00 %)
Market closed

Over the last 16 years Oconee Financial grew revenue by 2.2% annually, reaching 21.36 M USD. Earnings per share have grown at 0.3% per year over the last 16 years. For Oconee Financial, the net margin of 19.3% is up versus 11.9% a few years ago. At today's price the dividend yield works out to roughly 1.32%. The payout ratio is around 15% of earnings. The dividend has grown at 5.3% per year over the past 3 years. The stock trades about 31% above its 52-week low.

Oconee Financial stock price

Volume
Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of Oconee Financial over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Oconee Financial stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Oconee Financial's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Oconee Financial Stock Price History
DateOconee Financial Price
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Access this data via the Eulerpool API

Oconee Financial Revenue, Pre-Provision Profit, Net Income

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 2009
10.60 M USD
-130,000.00 USD
-1.20 M USD
Jan 1, 2010
11.46 M USD
1.35 M USD
-1.08 M USD
Jan 1, 2011
10.97 M USD
2.03 M USD
-2.12 M USD
Jan 1, 2018
14.57 M USD
2.19 M USD
1.74 M USD
Jan 1, 2019
18.66 M USD
5.35 M USD
3.76 M USD
Jan 1, 2020
19.10 M USD
3.51 M USD
1.89 M USD
Jan 1, 2021
20.06 M USD
4.19 M USD
3.00 M USD
Jan 1, 2022
21.36 M USD
5.33 M USD
4.12 M USD

Oconee Financial Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 15, 2026, 10:07 AM
 
REVENUEM USD
REVENUE GROWTH%
Net Interest IncomeM USD
Non-Interest IncomeM USD
Loan Loss ProvisionsM USD
Pre-Provision Profit (PPOP)M USD
NET INCOMEM USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESk
20062007200820092010201120182019202020212022
23.0025.0019.0016.0015.0013.0015.0020.0021.0021.0022.00
8.70-24.00-15.79-6.25-13.3315.3833.335.004.76
12.2011.447.987.248.548.7211.9912.9414.1515.6716.49
2.852.712.963.362.922.252.575.734.954.394.87
0.200.337.462.143.374.250.240.571.250.46
6.014.891.28-0.131.352.032.195.353.514.195.33
3.003.00-3.00-1.00-1.00-2.001.003.001.002.004.00
-200.00-66.67100.00-150.00200.00-66.67100.00100.00
0.600.600.650.70
8.337.69
900.00900.00900.00900.00900.00900.00900.40895.74896.16896.41896.82
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Oconee Financial generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Oconee Financial retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Oconee Financial's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Oconee Financial has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Oconee Financial's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Oconee Financial stock margins

The Oconee Financial margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Oconee Financial. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Oconee Financial.
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Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 2009
101.23 %
-11.32 %
Jan 1, 2010
88.22 %
-9.42 %
Jan 1, 2011
81.49 %
-19.33 %
Jan 1, 2018
84.98 %
11.93 %
Jan 1, 2019
71.35 %
20.14 %
Jan 1, 2020
81.64 %
9.89 %
Jan 1, 2021
79.12 %
14.95 %
Jan 1, 2022
75.06 %
19.31 %

Oconee Financial Revenue per Share, Earnings per Share

The Oconee Financial earnings per share therefore indicates how much revenue Oconee Financial has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
  • 3 Years

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  • Max

Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2009
11.78 USD
-1.33 USD
Jan 1, 2010
12.73 USD
-1.20 USD
Jan 1, 2011
12.19 USD
-2.36 USD
Jan 1, 2018
16.18 USD
1.93 USD
Jan 1, 2019
20.84 USD
4.20 USD
Jan 1, 2020
21.31 USD
2.11 USD
Jan 1, 2021
22.38 USD
3.35 USD
Jan 1, 2022
23.82 USD
4.60 USD

Oconee Financial business model & stock analysis

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 SWOT Analysis

Strengths

Oconee Financial Corp has established a strong reputation in the financial industry, known for their extensive experience and expertise.

The company has a diverse portfolio, offering a wide range of financial products and services to cater to different customer needs.

Oconee Financial Corp has a well-established customer base, with long-term relationships and a high level of customer loyalty.

Weaknesses

The company relies heavily on traditional banking methods, which may limit their ability to adapt to rapidly changing digital trends and technologies.

Oconee Financial Corp has a limited presence in the international market, potentially restricting their growth opportunities compared to global competitors.

The company may face challenges in attracting and retaining top talent in a competitive job market.

Opportunities

The growing demand for online banking and digital financial services presents an opportunity for Oconee Financial Corp to expand their digital offerings and reach a wider customer base.

The company can explore strategic partnerships and collaborations with technology firms to enhance their digital capabilities and stay competitive in the market.

Expanding into emerging markets or acquiring smaller financial institutions can provide Oconee Financial Corp with opportunities for geographic diversification and increased market share.

Threats

Increasing regulatory requirements and compliance costs can pose a challenge for Oconee Financial Corp, impacting their profitability and operational efficiency.

The emergence of fintech startups and non-traditional financial service providers can disrupt the industry and compete for the company's market share.

Economic downturns or financial crises can adversely affect the company's financial performance and customer confidence.

Oconee Financial Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Oconee Financial historical P/E ratio, EBIT multiple, and P/S ratio

Oconee Financial annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Oconee Financial shares outstanding

  • 3 Years

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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2009
900,000.00 Stocks
Jan 1, 2010
900,000.00 Stocks
Jan 1, 2011
900,000.00 Stocks
Jan 1, 2018
900,400.00 Stocks
Jan 1, 2019
895,740.00 Stocks
Jan 1, 2020
896,160.00 Stocks
Jan 1, 2021
896,410.00 Stocks
Jan 1, 2022
896,820.00 Stocks

Oconee Financial Dividend History

7 years of dividend payments · 5 consecutive increases

YearAnnual DividendYoY ChangePayments
20251.05USD 10.5%
Mar 14, 20251.05USD 10.5%1/1
20240.95USD 11.8%
20230.85USD 21.4%
20220.70USD 7.7%
20210.65USD 8.3%
20200.60USD 0.0%
20190.60USD

Oconee Financial dividend payout ratio

  • 3 Years

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  • 25 Years

  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2009
21.04 %
Jan 1, 2010
21.04 %
Jan 1, 2011
21.04 %
Jan 1, 2018
21.04 %
Jan 1, 2019
14.30 %
Jan 1, 2020
28.47 %
Jan 1, 2021
19.43 %
Jan 1, 2022
15.22 %
Price targets and forecasts for Oconee Financial are not yet available.

Oconee Financial Executives and Management Board

10 members · avg. age 64 · 20 % women

JW

Jerry Wages (63)

Senior Executive Vice President, Corporate Secretary, Director · since 1989

156,050.00 USD

Management

TW

Tom Wilson (54)

Executive Vice President, Chief Loan Officer, Director · since 2004

155,811.00 USD
BH

B. Amrey Harden (57)

President, Chief Executive Officer, Director · since 1987

149,600.00 USD

Board of Directors

DD

Mr. Douglas Dickens (68)

Independent Chairman of the Board

VW

Virginia Wells (70)

Independent Vice Chairperson of the Board · since 1990

GB

G. Robert Bishop (65)

Independent Director

JC

Jimmy Christopher (71)

Independent Director

JH

J. Albert Hale (59)

Independent Director

HM

Henry Maxey (70)

Independent Director

Frequently asked questions about Oconee Financial

The business model of Oconee Financial Corp revolves around providing comprehensive financial solutions to its customers. As a financial institution, Oconee Financial Corp offers a wide range of services, including personal and business banking, mortgage lending, wealth management, and insurance products. By leveraging its expertise and customer-focused approach, Oconee Financial Corp aims to meet the diverse financial needs of individuals and businesses alike. With a strong commitment to delivering excellent customer service and tailored financial solutions, Oconee Financial Corp has established itself as a trusted name in the industry.

Oconee Financial Corp is primarily active in the banking industry.

Some main competitors of Oconee Financial Corp in the market include Bank of America, Wells Fargo, JPMorgan Chase, and Citigroup.

Oconee Financial Corp, founded in 1981, is a renowned financial services company based in Georgia. With a rich history spanning over three decades, Oconee Financial has built a strong reputation for providing exceptional banking and investment solutions. As a community-driven institution, the company has focused on serving the local market, offering a comprehensive range of services including personal and commercial banking, mortgage lending, wealth management, and more. Oconee Financial Corp's commitment to customer satisfaction and its sound financial practices have contributed to its steady growth and success over the years. Today, it stands as a trusted name in the financial industry, catering to the diverse needs of individuals, businesses, and communities.

Oconee Financial Corp, a leading financial institution, has achieved remarkable milestones throughout its existence. The company has consistently witnessed impressive growth, establishing itself as a prominent player in the industry. Oconee Financial Corp has successfully expanded its customer base, delivering exceptional financial services to a wide range of clients. The company has also strengthened its market presence by strategically acquiring and integrating several smaller financial institutions. In addition, Oconee Financial Corp consistently demonstrates strong financial performance, recording consistent revenue and profit growth year after year. These significant milestones highlight Oconee Financial Corp's commitment to excellence and position it as a trusted and reliable financial services provider.

Oconee Financial Corp is primarily present in the United States.

Oconee Financial Corp represents a strong set of values and a clear corporate philosophy. The company is committed to providing exceptional financial solutions and services to its customers. Oconee Financial Corp believes in integrity, transparency, and accountability in its operations, putting clients' needs at the forefront. The company strives for continuous innovation, embracing modern technology to deliver efficient and convenient financial services. Oconee Financial Corp focuses on building and maintaining long-term relationships with its customers, fostering trust and reliability. With a customer-centric approach, Oconee Financial Corp aims to meet the diverse financial needs of individuals, businesses, and communities it serves.

Converted at the current exchange rate, the Oconee Financial share trades at 45.82 EUR (53.00 USD).

Oconee Financial Corp is a financial institution based in Seneca, South Carolina, USA. The company specializes in providing financial solutions and services for individual and business customers, offering a wide range of products to meet all financial needs. The business model of Oconee Financial Corp is based on various divisions that allow the company to meet the needs of every customer. One important division is the deposit and lending business. The company offers various types of accounts including savings, checking, money market, certificates of deposit, and retirement accounts. Customers can also access various types of loans such as consumer loans, mortgages, and business loans. Oconee Financial Corp is also involved in investment business, offering customers the opportunity to invest in stocks, bonds, and mutual funds. The company collaborates with reputable investment firms to provide customers with comprehensive securities advice and analysis. Another crucial division of Oconee Financial Corp is the insurance business. The company offers a wide range of insurance solutions including health, life, liability, and auto insurance. Customers can also access other services such as financial planning, tax advice, and wealth management. Oconee Financial Corp is also engaged in international business, providing services to customers such as foreign exchange trading and cross-border payments. The company works with partners in various countries to ensure that customers can conduct international transactions in a simple and secure manner. The company is committed to doing everything possible to meet the needs and requirements of its customers. Customers of Oconee Financial Corp benefit from personalized advice and quick and efficient processing of all business transactions. Conclusion: Oconee Financial Corp is a financial institution specializing in a wide range of divisions to meet all the financial needs of its customers. The company offers various types of accounts, loans, investments, insurance, as well as international business and financial services. Oconee Financial Corp has focused on providing its customers with personalized advice and fast and efficient service to ensure the highest customer satisfaction.

The revenue cannot currently be calculated for Oconee Financial.

The profit cannot currently be calculated for Oconee Financial.

The P/E ratio cannot be calculated for Oconee Financial at the moment.

The P/S cannot be calculated for Oconee Financial currently.

The Eulerpool Quality Score for Oconee Financial is 0/10.

The ISIN of Oconee Financial is US6756081039. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The ticker of Oconee Financial is OSBK. The ticker symbol is used to trade Oconee Financial shares on the stock exchange.

Over the past 12 months, Oconee Financial paid a dividend of 0.70 USD . This corresponds to a dividend yield of about 1.32 %. For the coming 12 months, Oconee Financial is expected to pay a dividend of 0.70 USD.

The current dividend yield of Oconee Financial is 1.32 %.

Oconee Financial pays a dividend, distributed in the months of , , , .

Oconee Financial paid dividends every year for the past 7 years.

For the upcoming 12 months, dividends amounting to 0.70 USD are expected. This corresponds to a dividend yield of 1.32 %.

Oconee Financial is assigned to the '—' sector.

To receive the latest dividend of Oconee Financial from amounting to 1.05 USD, you needed to have the stock in your portfolio before the ex-date on .

The last dividend was paid out on .

In the year 2025, Oconee Financial distributed 0.65 USD as dividends.

The dividends of Oconee Financial are distributed in USD.

All fundamentals and in-depth analysis of Oconee Financial

Our stock analysis for Oconee Financial stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Oconee Financial. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.