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Oconee Financial Corporation (OSBK) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Oconee Financial Corporation stock $47.46, price $52.51, that is 9.6% below the price, quality 48 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

OF Oconee Financial Corporation logo Some data Nov 7, 2026

Oconee Financial Corporation

OSBK · US
Expensive, weak quality

Our calculation puts a fair price 10% below what the stock costs today.

Solidly profitable · 16.1% net margin (TTM)
Quality 48/100
Mixed Growth (revenue 5y +11.5 %/yr in USD)
Moderate moat 49/100 · thin data
Some data
Fair value $47.46 · Overvalued
Trails peers (4/13)
⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$56.50 $27.75 Fair Value $47.46 Jul 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range $27.75 – $56.50 · fair‑value band $43.51 – $54.96 · the $52.51 price screens above the $47.46 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

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.

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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.

Stock analysis

Oconee Financial Corporation (OSBK) currently trades at $52.51, while our model-based Fair Value estimate is $47.46, 10% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $58.02 per share, and 1 of the 6 models we run sit above the $52.51 price.

Bear case: the Dividend Discount group reads lowest at $13.66, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $43.51 (bear) to $54.96 (bull), the price of $52.51 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 48/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Oconee Financial Corporation reported revenue of $32.9M in FY2025 versus $20.3M in FY2021, a compound +12.9%/yr. Reported net income was $5.6M in FY2025, compounding +17.1%/yr from FY2021.

Key figures

Market cap $55.2M Micro · P/E ratio 10.7 · P/S ratio 1.73 · EPS (TTM) $4.92 · Dividend yield 1.9% · Net margin 16.1% · Return on equity 9.5% · Return on assets (EBIT) 0.4% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 49 out of 100 (low confidence).

What moves the price

The share trades about 7% below its 52-week high and 21% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −10%, OSBK screens cheaper than that median.

Fair Value models

Bear $43.51 Fair Value $47.46 Bull $54.96
Price $52.51 · Downside -9.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($4.22 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $43.98 $47.46 $54.96 76
Gordon GGM $8.00 $14.23 $19.38 68
DDM Multi-Stage $8.00 $13.09 $15.22 67
All 6 models by family
Dividend Discount
Gordon GGM $8.00 $14.23 $19.38 68
DDM Multi-Stage $8.00 $13.09 $15.22 67
Multiples
P/E Multiple $52.35 $69.80 $87.25 63
P/B Multiple $34.67 $46.23 $57.79 55
Asset-Based
NCAV (Graham) $26.45 $35.45 $52.90 54
Economic Profit
Residual Income $43.98 $47.46 $54.96 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 48/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 29
How much profit the company makes from its sales and capital
Quality Growth 66
Are margins and returns getting better?
Cashflow 62
Do the profits arrive as real cash?
Financial strength 35
Debt, balance sheet and risk of trouble
Investment 45
Does it invest with discipline instead of growing at any price?
Low Volatility 100
How calm the share price moves, does not count
Price momentum 55
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 65
Distance to the 52-week high, does not count
New shares 52
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 81/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+16.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+16.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.5%
Start year 2020 (pandemic)
Revenue growth 15 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.8%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+11.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+9.9%
Dividend (yield on the price)1.9%

OSBK screens overvalued: fair value 10% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 4/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 48 · Below median
Fair Value upside −9.6% · Above median
Profitability
Return on equity (12 months) 9.5% · Below median
Return on assets 0.8% · Below median
Net margin (12 months) 16.1% · Bottom 25%
Operating margin (12 months) 20.8% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 0.2% · Bottom 25%
Dividend yield (12 months) 1.9% · Below median
Balance sheet
Debt / equity 0.53× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 10.7× · Cheaper than median
P/B 0.98× · Cheaper than median
P/S (12 months) 1.73× · Cheapest 25%
Price / free cash flow (fiscal year) 11.4× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)21 · sector 8
FUTURE (revenue growth)1 · sector 47
PAST (return on equity)38 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)38 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs OSBK
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs OSBK
BNP Paribas SA BNP €91.93 €106.01 +15% vs OSBK
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs OSBK
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs OSBK
UniCredit S.p.A UCG €76.80 €50.44 −34% vs OSBK
Mizuho Financial Group MFG $9.40 $5.89 −37% vs OSBK
DBS Group D05 69.72 SGD 40.39 SGD −42% vs OSBK
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs OSBK
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs OSBK

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Oconee Financial Corporation: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Oconee Financial Corporation Fair Value". https://www.fairvalue-calculator.com/stock/OSBK

Frequently asked questions

Is Oconee Financial Corporation (OSBK) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $47.46 versus a price of $52.51, about 10% lower (overvalued).
What is the fair value of OSBK?
Our model-based fair value for Oconee Financial Corporation is $47.46 (as of Nov 7, 2026), built from audited fundamentals. The current price: $52.51.
What is the quality score of OSBK?
Oconee Financial Corporation has a Quality Score of 48/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Oconee Financial Corporation (OSBK)?
Our model-based price target is the fair value of $47.46 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario $43.51, optimistic scenario $54.96. It is a calculation from audited fundamentals, not an analyst target.
What is the Oconee Financial Corporation stock forecast for 2026?
Our models put fair value at $47.46, about 10% lower versus a price of $52.51 (overvalued). Cautious scenario $43.51, optimistic scenario $54.96. The calculation is refreshed regularly with new filings.
What is the revenue of Oconee Financial Corporation (OSBK)?
Oconee Financial Corporation reported trailing-twelve-month revenue of about $32.0M (latest available figure, as of Nov 7, 2026).
Does Oconee Financial Corporation pay a dividend?
Oconee Financial Corporation currently shows a dividend yield of 1.90% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Oconee Financial Corporation (OSBK)?
Oconee Financial Corporation has a dividend yield of 1.9%.
What is the intrinsic value of Oconee Financial Corporation (OSBK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Oconee Financial Corporation it is $47.46 per share (as of Nov 7, 2026), against a price of $52.51. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Oconee Financial Corporation stock overvalued or undervalued in 2026?
As of Nov 7, 2026, OSBK trades above its calculated fair value: price $52.51, fair value $47.46, a gap of about −10% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of OSBK?
No. The price is what the market pays today ($52.51); the fair value is what the company's own numbers justify ($47.46). For Oconee Financial Corporation the two are $5.05 per share apart. That gap is exactly why we show both numbers side by side.
How much is Oconee Financial Corporation worth?
The market values Oconee Financial Corporation at about $55.2M (market capitalisation, as of Nov 7, 2026). Per share that is $52.51; our models calculate a fair value of $47.46 per share.
What do the bullish and bearish scenarios say about OSBK?
Our models span a range for Oconee Financial Corporation: cautious scenario $43.51, base $47.46, optimistic $54.96 per share (as of Nov 7, 2026, price $52.51). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of OSBK?
Oconee Financial Corporation trades at a price-to-earnings ratio of 10.7 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $47.46 is built from several models across several years. Median P/E at fiscal year-end, 7 fiscal years (2019 to 2025), reported earnings: 8.5. Other multiples: P/B 1.0, P/S 1.7.
How solid is the balance sheet of Oconee Financial Corporation (OSBK)?
Balance-sheet figures for Oconee Financial Corporation (as of Nov 7, 2026): return on equity 9.5%, debt of 0.53 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is OSBK from its 52-week high?
Oconee Financial Corporation trades at $52.51, about 7% below its 52-week high of $56.50 and 21% above the low of $43.56 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $47.46 is for.
Which stocks are comparable to Oconee Financial Corporation?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Oconee Financial Corporation stock attractive at the current price?
The data as of Nov 7, 2026: price $52.51, calculated fair value $47.46 (−10%), Quality Score 48/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of OSBK calculated?
We run Oconee Financial Corporation through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $47.46 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Oconee Financial Corporation itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Oconee Financial Corporation (OSBK)?
The closing price on Nov 6, 2026 was $52.51. Our model-based fair value is $47.46, about 10% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Oconee Financial Corporation right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the upper half of our model range, so the margin of safety is thin. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.

Key figures of Oconee Financial Corporation

How large is the market capitalisation of Oconee Financial Corporation (OSBK)?
The market capitalisation of Oconee Financial Corporation is $55.2M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Oconee Financial Corporation (OSBK)?
The price-to-sales ratio of Oconee Financial Corporation is 1.73 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Oconee Financial Corporation (OSBK)?
Earnings per share at Oconee Financial Corporation are $4.92 (price ÷ EPS = P/E 10.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Oconee Financial Corporation (OSBK)?
The dividend yield of Oconee Financial Corporation is 1.9% (payout 20.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Oconee Financial Corporation (OSBK)?
The net margin of Oconee Financial Corporation is 16.1% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Oconee Financial Corporation (OSBK)?
The return on equity (ROE) of Oconee Financial Corporation is 9.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Oconee Financial Corporation (OSBK)?
On an EBIT basis the return on assets of Oconee Financial Corporation is 0.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Oconee Financial Corporation (OSBK)?
The operating margin of Oconee Financial Corporation is 20.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Oconee Financial Corporation (OSBK)?
Revenue at Oconee Financial Corporation is growing +0.2% versus a year earlier (3y avg +16.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Oconee Financial Corporation (OSBK)?
Earnings per share at Oconee Financial Corporation are growing −25.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Oconee Financial Corporation (OSBK) generate?
The free cash flow of Oconee Financial Corporation is $4.8M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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