Oconee Financial Corporation
Oconee Financial Corporation
Your view on OSBK
Overview
What the company does, where it operates, and who runs it.
About Oconee Financial Corporation
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Timothy Neil Stevens
- Headquarters
- 35 North Main Street, Watkinsville, GA, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Timothy Neil Stevens
- Headquarters
- 35 North Main Street, Watkinsville, GA, US
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.
Media
Infographics, videos, and posts covering the company.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for Oconee Financial Corporation, and the rating behind it. OSBK last traded at $49.00, 10.8× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for Oconee Financial Corporation. Starting points for Oconee Financial Corporation: P/E 10.8, EPS $4.91, beta 0.04 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for Oconee Financial Corporation. Oconee Financial Corporation does not currently pay a regular dividend, so this section tracks capacity rather than history. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for Oconee Financial Corporation. Trailing twelve-month EPS for Oconee Financial Corporation stands at $4.91. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for Oconee Financial Corporation. Oconee Financial Corporation has reported as a listed company since 2019. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
Oconee Financial Corporation valued side by side against its closest peers. Oconee Financial Corporation is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold Oconee Financial Corporation, and how their positions are changing. At a $44.1M market value, institutional positions materially move Oconee Financial Corporation's register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by Oconee Financial Corporation executives and directors. Shares of Oconee Financial Corporation have traded between $38.26 and $49.00 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming Oconee Financial Corporation. Oconee Financial Corporation is a $44.1M Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming Oconee Financial Corporation. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for Oconee Financial Corporation. Coverage tracks Oconee Financial Corporation within Banks - Regional (Financial Services). Press releases and market coverage, newest first.