Oconee Financial Corp is a United States-based commercial bank. The bank offers a broad range of deposit instruments and general banking services, including checking, savings accounts (including money market demand accounts), certificates of deposit for both business and personal accounts; internet banking services, such as cash management and Bill Pay; telebanking (banking by phone); courier services, ATM deposits and mobile banking services which includes mobile capture.

Financial Strength

4/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	5.13
Equity-to-Asset	0.07
Debt-to-Equity	0.24
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-1.85	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

3/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	6.7
	3-Year EPS without NRI Growth Rate	29.4
	3-Year Book Growth Rate	-1.7

Momentum Rank

3/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	22.78
	9-Day RSI	19.65
	14-Day RSI	23.85
	6-1 Month Momentum %	13.01
	12-1 Month Momentum %	0.65

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	2.81
	Dividend Payout Ratio	0.19
	3-Year Dividend Growth Rate	12.3
	Forward Dividend Yield %	2.81
	5-Year Yield-on-Cost %	2.81
	3-Year Average Share Buyback Ratio	-5.3
	Shareholder Yield %	-18.63

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	23.86
	FCF Margin %	11.76
	ROE %	16.56
	ROA %	1.07
	Years of Profitability over Past 10-Year	9

GF Value Rank

10/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	5.41
	PE Ratio without NRI	7.7
	Price-to-Owner-Earnings	5.58
	PEG Ratio	11
	PS Ratio	1.29
	PB Ratio	0.84
	Price-to-Tangible-Book	0.86
	Price-to-Free-Cash-Flow	11.09
	Price-to-Operating-Cash-Flow	8.71
	EV-to-Revenue	-0.3
	EV-to-FCF	-2.52
	Price-to-Projected-FCF	0.55
	Price-to-Graham-Number	0.54
	FCF Yield %	8.26
	Forward Rate of Return (Yacktman) %	7.1

GF Value: $46.98

OSBK

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