Oconomowoc Bancshares (OCNB) Stock Overview

Operates as the bank holding company for Bank Five Nine that provides banking products and services. More details

OCNB fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	4/6
Financial Health	4/6
Dividends	3/6

Rewards

Trading at 95.5% below our estimate of its fair value

Earnings grew by 53% over the past year

Risk Analysis

Shares are highly illiquid

Earnings have declined by 2.2% per year over past 5 years

Latest financial reports are more than 6 months old

Does not have a meaningful market cap ($11M)

OCNB Community Fair Values

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Oconomowoc Bancshares, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Oconomowoc Bancshares
Historical stock prices
Current Share Price	US$32.00
52 Week High	US$32.00
52 Week Low	US$29.62
Beta	-0.13
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-80.72%

Recent updates

Shareholder Returns

	OCNB	US Banks	US Market
7D	0%	3.0%	2.9%
1Y	n/a	9.7%	12.5%

Return vs Industry: Insufficient data to determine how OCNB performed against the US Banks industry.

Return vs Market: Insufficient data to determine how OCNB performed against the US Market.

Price Volatility

Is OCNB's price volatile compared to industry and market?
OCNB volatility
OCNB Average Weekly Movement	n/a
Banks Industry Average Movement	3.7%
Market Average Movement	6.5%
10% most volatile stocks in US Market	17.1%
10% least volatile stocks in US Market	2.9%

Stable Share Price: OCNB's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine OCNB's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1859	n/a	Tim Schneider	www.bankfivenine.com

Oconomowoc Bancshares, Inc. operates as the bank holding company for Bank Five Nine that provides banking products and services. It offers checking, savings, kids, and individual retirement accounts; certificates of deposit; consumer deposit specials; and debit, credit, and pre-paid cards. The company also provides home, personal, business, and commercial real estate loans; and mortgages, home equity lines of credit, business line of credit, standby letters of credit, SBA lending, and overdraft services, as well as paycheck protection programs.

Oconomowoc Bancshares, Inc. Fundamentals Summary

How do Oconomowoc Bancshares's earnings and revenue compare to its market cap?
OCNB fundamental statistics
Market cap	US$10.72m
Earnings (TTM)	US$16.34m
Revenue (TTM)	US$78.44m

0.7x

P/E Ratio

0.1x

P/B Ratio

Is OCNB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
OCNB income statement (TTM)
Revenue	US$78.44m
Cost of Revenue	US$0
Gross Profit	US$78.44m
Other Expenses	US$62.10m
Earnings	US$16.34m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	48.75
Gross Margin	100.00%
Net Profit Margin	20.83%
Debt/Equity Ratio	145.4%

How did OCNB perform over the long term?

See historical performance and comparison

Dividends

16.6%

Current Dividend Yield

11%

Payout Ratio

Does OCNB pay a reliable dividends?

See OCNB dividend history and benchmarks

When do you need to buy OCNB by to receive an upcoming dividend?
Oconomowoc Bancshares dividend dates
Ex Dividend Date	Dec 03 2025
Dividend Pay Date	Dec 12 2025
Days until Ex dividend	6 days
Days until Dividend pay date	15 days

Does OCNB pay a reliable dividends?

See OCNB dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/11/26 05:30
End of Day Share Price	2025/10/27 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Oconomowoc Bancshares, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Oconomowoc Bancshares, Inc.OTCPK:OCNB Stock Report