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Oconee Financial Corporation OSBK

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Price alert · OSBK

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55.00 USD 0.00 0.00%

At close · Oct 30

56.50 Day range 56.50
44.50 52-week range 56.50
YTD
+18.79%
1 year
+23.60%
Open
56.50
Prev close
55.00
Mkt cap
57.69M
Vol
100
Avg vol
119
EPS
4.92
P/E
11.18
More statistics
Low
56.50
High
56.50

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Financial health

Altman Z-Score

-0.76 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

2 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 5
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 3
  • P/E 3
  • P/B 4

Valuation

P/E 8.6×
FY 2016: 11.6×FY 2017: 15.2×FY 2018: 16.9×FY 2019: 8.2×FY 2020: 17.2×FY 2021: 13.1×FY 2022: 8.1×FY 2023: 5.1×FY 2024: 8.4×FY 2025: 8.6×
FY 2016 5y median 8.4× FY 2025
P/S 1.1×
FY 2016: 2.3×FY 2017: 2.4×FY 2018: 1.9×FY 2019: 1.7×FY 2020: 1.5×FY 2021: 1.8×FY 2022: 1.5×FY 2023: 1.0×FY 2024: 1.1×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
P/B 0.9×
FY 2016: 1.0×FY 2017: 1.0×FY 2018: 1.0×FY 2019: 0.9×FY 2020: 0.9×FY 2021: 1.0×FY 2022: 1.1×FY 2023: 0.7×FY 2024: 0.9×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025
P/FCF 10.0×
FY 2016: 5.6×FY 2017: 12.1×FY 2018: 19.0×FY 2019: 11.0×FY 2020: -6.8×FY 2021: 6.7×FY 2022: 9.8×FY 2023: 10.3×FY 2024: 7.3×FY 2025: 10.0×
FY 2016 5y median 9.8× FY 2025
EV/EBITDA 0.2×
FY 2016: -5.7×FY 2017: -8.0×FY 2018: 2.3×FY 2019: -1.3×FY 2020: -10.2×FY 2021: -7.6×FY 2022: -1.2×FY 2023: -1.5×FY 2024: 0.3×FY 2025: 0.2×
FY 2016 5y median -1.2× FY 2025
EV/Sales 0.0×
FY 2016: -2.1×FY 2017: -2.3×FY 2018: 0.5×FY 2019: -0.4×FY 2020: -1.6×FY 2021: -1.7×FY 2022: -0.4×FY 2023: -0.4×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median -0.4× FY 2025
FCF Yield 10.0%
FY 2016: 17.9%FY 2017: 8.2%FY 2018: 5.3%FY 2019: 9.1%FY 2020: -14.7%FY 2021: 14.9%FY 2022: 10.2%FY 2023: 9.7%FY 2024: 13.7%FY 2025: 10.0%
FY 2016 5y median 10.2% FY 2025

Profitability

Gross Margin 70.9%
FY 2016: 93.2%FY 2017: 94.5%FY 2018: 93.4%FY 2019: 88.6%FY 2020: 84.9%FY 2021: 90.4%FY 2022: 93.6%FY 2023: 80.2%FY 2024: 71.7%FY 2025: 70.9%
FY 2016 5y median 80.2% FY 2025
Operating Margin 15.8%
FY 2016: 27.6%FY 2017: 17.9%FY 2018: 12.8%FY 2019: 26.0%FY 2020: 10.7%FY 2021: 17.0%FY 2022: 23.7%FY 2023: 23.6%FY 2024: 16.0%FY 2025: 15.8%
FY 2016 5y median 17.0% FY 2025
Net Margin 12.8%
FY 2016: 20.0%FY 2017: 15.5%FY 2018: 11.4%FY 2019: 20.4%FY 2020: 9.0%FY 2021: 13.7%FY 2022: 18.3%FY 2023: 19.3%FY 2024: 12.9%FY 2025: 12.8%
FY 2016 5y median 13.7% FY 2025
ROE 10.0%
FY 2016: 8.8%FY 2017: 6.3%FY 2018: 5.7%FY 2019: 10.5%FY 2020: 5.0%FY 2021: 7.6%FY 2022: 14.2%FY 2023: 14.0%FY 2024: 10.2%FY 2025: 10.0%
FY 2016 5y median 10.2% FY 2025
ROIC 6.0%
FY 2016: 8.8%FY 2017: 6.3%FY 2018: 5.7%FY 2019: 10.5%FY 2020: 3.9%FY 2021: 6.1%FY 2022: 10.6%FY 2023: 1.5%FY 2024: 6.6%FY 2025: 6.0%
FY 2016 5y median 6.1% FY 2025
ROA 0.8%
FY 2016: 0.7%FY 2017: 0.5%FY 2018: 0.5%FY 2019: 0.9%FY 2020: 0.4%FY 2021: 0.5%FY 2022: 0.8%FY 2023: 1.0%FY 2024: 0.8%FY 2025: 0.8%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 15.7%
FY 2016: 9.7%FY 2017: -1.8%FY 2018: 23.4%FY 2019: 20.6%FY 2020: 14.1%FY 2021: 4.4%FY 2022: 2.6%FY 2023: 36.5%FY 2024: 24.1%FY 2025: 15.7%
FY 2016 FY 2025
Operating Income 14.6%
FY 2016: 33.7%FY 2017: -36.4%FY 2018: -12.1%FY 2019: 145.4%FY 2020: -52.8%FY 2021: 65.4%FY 2022: 42.8%FY 2023: 36.1%FY 2024: -16.1%FY 2025: 14.6%
FY 2016 FY 2025
EPS (diluted) 14.2%
FY 2016: 29.0%FY 2017: -23.6%FY 2018: -9.8%FY 2019: 116.6%FY 2020: -49.5%FY 2021: 58.8%FY 2022: 37.3%FY 2023: 34.1%FY 2024: -23.7%FY 2025: 14.2%
FY 2016 FY 2025
Free Cash Flow -14.2%
FY 2016: 134.1%FY 2017: -54.1%FY 2018: -35.9%FY 2019: 82.2%FY 2020: -270.4%FY 2021: 222.6%FY 2022: -42.0%FY 2023: -14.1%FY 2024: 93.3%FY 2025: -14.2%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.6×FY 2017: 0.6×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.5×FY 2022: 0.4×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 0.1×
FY 2016 5y median 0.4× FY 2025
Quick Ratio 0.1×
FY 2016: 0.6×FY 2017: 0.6×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.5×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.1×
FY 2016 5y median 0.4× FY 2025
Debt / Equity 0.5×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.4×FY 2025: 0.5×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA -6.0×
FY 2016: -11.8×FY 2017: -16.3×FY 2018: -7.4×FY 2019: -6.7×FY 2020: -20.0×FY 2021: -15.8×FY 2022: -6.1×FY 2023: -5.1×FY 2024: -5.2×FY 2025: -6.0×
FY 2016 5y median -6.0× FY 2025
Interest Coverage 0.6×
FY 2016: 5.0×FY 2017: 3.2×FY 2018: 2.5×FY 2019: 3.1×FY 2020: 1.2×FY 2021: 2.3×FY 2022: 3.7×FY 2023: 1.2×FY 2024: 0.6×FY 2025: 0.6×
FY 2016 5y median 1.2× FY 2025

Dividends

Dividend Yield 2.3%
FY 2016: 1.3%FY 2017: 1.8%FY 2018: 1.8%FY 2019: 1.8%FY 2020: 1.7%FY 2021: 1.5%FY 2022: 1.9%FY 2023: 2.5%FY 2024: 2.4%FY 2025: 2.3%
FY 2016 5y median 2.3% FY 2025
Payout Ratio 19.5%
FY 2016: 15.4%FY 2017: 28.1%FY 2018: 31.1%FY 2019: 14.4%FY 2020: 28.5%FY 2021: 19.4%FY 2022: 15.2%FY 2023: 12.9%FY 2024: 20.2%FY 2025: 19.5%
FY 2016 5y median 19.4% FY 2025

Annual · latest fiscal year ends 2025-12-31