A Business at a Glance
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Oconee Financial Corporation (“ Oconee”), a registered bank holding company, was incorporated under the laws of the State of Georgia in 1998 and commenced At December 31, 2011, the Bank’s total assets were $259,846,000, compared to $279,368,000 at year-end 2010. Over the past 5 years, total assets of the Bank The Bank is a community oriented, full-service commercial bank, headquartered in Oconee County, Georgia with four full-service banking offices and five automated teller machines (“ ATMs”). The Bank places an emphasis on retail and small business banking, and offers customary The Bank operates primarily in Oconee and Athens-Clarke Counties in Georgia. The Bank’s secondary market is defined as other counties contiguous to Oconee County, which include Greene, Morgan, Walton, and Barrow Counties, and the rest of the Athens Metropolitan Statistical Area. Oconee County has been named as one of the best places to live in rural America by a national publication.
| Metric | TTM | FY2011 | FY2010 |
|---|---|---|---|
| Revenue | 11M | 8.7M | 8.5M |
| Net Income | -1.7M | - | - |
| EPS | $-1.94 | $-2.36 | $-1.19 |
| Free Cash Flow | 4.0M | 2.3M | 3.5M |
| ROIC | 0.5% | - | - |
| Gross Margin | - | - | - |
| Debt/Equity | 0.00 | 10.71 | 11.18 |
| Dividends/Share | $0.00 | - | - |
| Operating Income | 1.6M | 1.1M | 1.0M |
| Operating Margin | 14.6% | 12.4% | 12.1% |
| ROE | -7.7% | - | - |
| Shares Outstanding | 1M | 1M | 1M |
| Metric | 2010 | ||
|---|---|---|---|
| Income Statement | |||
| Revenue | 8.5M | 8.7M | 11M |
| Gross Margin | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A |
| EBIT | 1.0M | 1.1M | 1.6M |
| Op. Margin | 12.1% | 12.4% | 14.6% |
| Net Income | N/A | N/A | -1.7M |
| Net Margin | N/A | N/A | -16.0% |
| Non-Recurring | 0 | 0 | 0 |
| Returns on Capital | |||
| ROIC | N/A | N/A | 0.5% |
| ROE | N/A | N/A | -7.7% |
| ROA | N/A | N/A | -0.6% |
| Cash Flow | |||
| Op. Cash Flow | 3.6M | 2.3M | 4.1M |
| Free Cash Flow | 3.5M | 2.3M | 4.0M |
| Owner Earnings | 3.0M | 1.7M | 3.3M |
| CapEx | 103K | 78K | 99K |
| Maint. CapEx | 546K | 615K | 798K |
| Growth CapEx | 0 | 0 | 0 |
| D&A | 546K | 615K | 798K |
| CapEx/OCF | N/A | N/A | 2.4% |
| Capital Allocation | |||
| Dividends Paid | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A |
| Share Buybacks | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | 0.0% |
| Stock-Based Comp | N/A | N/A | N/A |
| Debt Repayment | 0 | 0 | 0 |
| Balance Sheet | |||
| Net Debt | N/A | N/A | -122M |
| Cash & Equiv. | 30M | 18M | 122M |
| Long-Term Debt | N/A | N/A | N/A |
| Debt/Equity | 11.18 | 10.71 | 0.00 |
| Interest Coverage | 0.3 | 0.5 | 0.6 |
| Equity | 23M | 22M | 23M |
| Total Assets | 279M | 260M | 277M |
| Total Liabilities | 256M | 238M | 255M |
| Intangibles | N/A | N/A | N/A |
| Retained Earnings | 17M | 15M | 15M |
| Working Capital | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A |
| Per Share Data | |||
| EPS | -1.19 | -2.36 | -1.94 |
| Owner EPS | 3.39 | 1.92 | 3.63 |
| Book Value | 25.49 | 24.65 | 25.12 |
| Cash Flow/Share | 3.99 | 2.60 | -1.06 |
| Dividends/Share | N/A | N/A | 0.00 |
| Shares Out. | 0.9M | 0.9M | 0.9M |
| Valuation | |||
| P/E Ratio | N/A | N/A | -25.2 |
| P/FCF | N/A | N/A | 11.1 |
| EV/EBIT | N/A | N/A | -48.8 |
| Price/Book | N/A | N/A | 1.9 |
| Price/Sales | N/A | N/A | 4.0 |
| FCF Yield | N/A | N/A | 9.0% |
| Market Cap | N/A | N/A | 44M |
| Avg. Price | N/A | N/A | 48.98 |
| Year-End Price | N/A | N/A | 48.98 |
OCONEE FINANCIAL CORP passes 0 of 9 quality checks, indicating weak fundamentals.
OCONEE FINANCIAL CORP (OSBK) has a market capitalization of $44M. It is classified as a small-cap stock.
OCONEE FINANCIAL CORP (OSBK) does not currently pay a regular dividend.
OCONEE FINANCIAL CORP (OSBK) operates in the State Commercial Banks industry, within the Financials sector.
OCONEE FINANCIAL CORP (OSBK) reported annual revenue of $9 million in its most recent fiscal year, based on SEC EDGAR filings.
OCONEE FINANCIAL CORP (OSBK) generated $2 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
OCONEE FINANCIAL CORP (OSBK) has a debt-to-equity ratio of 10.71. This indicates higher leverage, which may increase financial risk.
OCONEE FINANCIAL CORP (OSBK) reported earnings per share (EPS) of $-2.36 in its most recent fiscal year.
The Ledger Terminal provides 2 years of financial data for OCONEE FINANCIAL CORP (OSBK), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
OCONEE FINANCIAL CORP (OSBK) has a book value per share of $24.65, based on its most recent annual SEC filing.