OTCPK:OSBK

Stock Analysis Report

Executive Summary

Oconee Financial Corporation operates as the holding company for Oconee State Bank that provides a range of financial products and services for consumers and businesses in Oconee and surrounding counties.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Risks

  • Oconee Financial's last earnings update was 1963 days ago.
  • Oconee Financial is not covered by any analysts.

Share Price & News

How has Oconee Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:OSBK

3.3%

US Banks

2.1%

US Market


1 Year Return

n/a

OTCPK:OSBK

-13.8%

US Banks

-0.04%

US Market

No trading data on OSBK.

No trading data on OSBK.


Share holder returns

OSBKIndustryMarket
7 Day0%3.3%2.1%
30 Day1.7%-7.0%-3.2%
90 Dayn/a-2.3%2.8%
1 Yearn/a-11.3%-13.8%2.2%-0.04%
3 Yearn/a42.5%32.7%41.5%32.3%
5 Yearn/a54.2%37.6%55.0%37.8%

Price Volatility Vs. Market

How volatile is Oconee Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Oconee Financial undervalued based on future cash flows and its price relative to the stock market?


In this section, we usually try to help investors determine whether Oconee Financial is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Oconee Financial has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of OSBK’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through Oconee Financial regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is Oconee Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.8%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Oconee Financial has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of OSBK’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Oconee Financial's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Oconee Financial performed over the past 5 years?

0.2%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Oconee Financial has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

  • When a company lacks a financial track record, its management’s track record becomes important. Corporate governance also plays an important role in a young business as board members are seen as highly-experienced leaders to help steer the company into the future. Take a look at Oconee Financial's' management and board experience and expertise to assess their ability to deliver on their strategic promises.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Oconee Financial's filings and announcements here.
  • Explore strong past performing companies in the Banks industry.

Financial Health

How is Oconee Financial's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Oconee Financial's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Oconee Financial has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of OSBK’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Oconee Financial's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Oconee Financial's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Oconee Financial's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Oconee Financial's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Oconee Financial has not reported any payouts.

Unable to verify if Oconee Financial's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Oconee Financial has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Oconee Financial's salary, the management and board of directors tenure and is there insider trading?

3.6yrs

Average board tenure


CEO

Timothy Stevens 0

2.8yrs

Tenure

0

Mr. Neil Stevens has been the Chief Executive Officer and President of Oconee State Bank and Oconee Financial Corporation since October 2016. He served as a Member of Community Advisory Committee of Oconee ...


Board Age and Tenure

3.6yrs

Average Tenure

74.5yo

Average Age

The tenure for the Oconee Financial board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Management Team

  • Tom Wilson (61yo)

    Executive VP & Chief Credit Officer

    • Tenure: 0.0yrs
    • Compensation: US$155.81k
  • Cristi Donahue

    Senior Vice President of Retail Banking

    • Tenure: 0.0yrs
  • Marisa Reynolds

    Senior Vice President of Information Technology & Operations

    • Tenure: 0.0yrs
  • Timothy Stevens

    President

    • Tenure: 2.8yrs
  • Steven Rogers (45yo)

    Executive VP & CFO

    • Tenure: 11.3yrs
  • Jessica L. Arthurton

    Vice President of Human Resources

    • Tenure: 0.0yrs
  • Mike Fulton

    Senior VP & Gwinnett Market Executive

    • Tenure: 0.0yrs
  • Philip Bernardi

    Executive VP & Chief Lending Officer

    • Tenure: 0.0yrs
  • Josh D. Osborne

    Senior VP & Gwinnett Market Executive

    • Tenure: 0.0yrs

Board Members

  • Virginia Wells (77yo)

    Chairman of the Board

    • Tenure: 3.6yrs
    • Compensation: US$12.40k
  • Henry Maxey (77yo)

    Director

    • Tenure: 20.6yrs
    • Compensation: US$10.10k
  • Bob Bishop (72yo)

    Director

    • Tenure: 28.6yrs
    • Compensation: US$8.10k
  • James Hale (66yo)

    Vice Chairman of the Board

    • Tenure: 3.6yrs
    • Compensation: US$6.60k
  • Davis Knox

    Member of Oconee-Athens Community Advisory Committee

    • Tenure: 0.0yrs
  • Timothy Stevens

    President

    • Tenure: 2.8yrs
  • W. Smith

    Director

    • Tenure: 2.6yrs
  • Tony L. Powell

    Director

    • Tenure: 1.6yrs
  • Dutch Guest

    Member of Oconee-Athens Community Advisory Committee

    • Tenure: 0.0yrs
  • Donald Hansford

    Member of Oconee-Athens Community Advisory Committee

    • Tenure: 0.0yrs

Company Information

Oconee Financial Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Oconee Financial Corporation
  • Ticker: OSBK
  • Exchange: OTCPK
  • Founded: 1960
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$31.494m
  • Shares outstanding: 899.82k
  • Website: https://www.oconeestatebank.com

Number of Employees


Location

  • Oconee Financial Corporation
  • 35 North Main Street
  • Post Office Box 205
  • Watkinsville
  • Georgia
  • 30677
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
OSBKOTCPK (Pink Sheets LLC)YesCommon StockUSUSDDec 2018

Biography

Oconee Financial Corporation operates as the holding company for Oconee State Bank that provides a range of financial products and services for consumers and businesses in Oconee and surrounding counties.  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/23 00:48
End of Day Share Price2019/07/31 00:00
Earnings2013/12/31
Annual Earnings2013/12/31


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 here.