Fairvalue-Calculator Fairvalue-Calculator
EN DE

Oconee Financial Corporation (OSBK) Fair Value & Analysis

Financial Services · US · Market cap $54.5M

Price$52.17
Fair Value$69.80
Upside+33.8%
Quality95/100
Evidence: High Range $52.35 – $87.25

Fair value as of: Jun 26, 2026

✦ Find undervalued quality stocks — 34,000+ analysed Find stocks →

Analysis

Oconee Financial Corporation (OSBK) currently trades at $52.17, while our model-based Fair Value estimate is $69.80 — implying the stock looks roughly 33.8% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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 …

Open the full interactive analysis →

Similar stocks

HDFC Bank Limited (HDFCBANK) +18% PT Bank Central Asia Tbk (BBCA) -1% KB Financial Group (105560) -4% PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) +66% Banco Bradesco S.A (BBD) +100% Shinhan Financial Group (055550) +14%

Frequently asked questions

Is Oconee Financial Corporation (OSBK) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $69.80 versus a price of $52.17 — about +34% (undervalued). Model-based estimate, not financial advice.
What is the fair value of OSBK?
Our 21-model fair value for Oconee Financial Corporation is $69.80 (as of Jun 26, 2026), built from audited fundamentals. The current price is $52.17.
What is the quality score of OSBK?
Oconee Financial Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.