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About the company
Oconee Financial Corporation is a one-bank holding company for Oconee State Bank (the Bank). The Bank is a community bank, which provides a full range of commercial and consumer banking services primarily in Oconee, Clarke and Gwinnett counties in Georgia. The Bank has four segments. Real Estate-Mortgage segment offers 1-4 family residential loans, Hotel loans and Other real estate mortgage loans. Real Estate-Construction segment primarily include land loans to local contractors and developers for developing the land. Commercial, Financial and Agricultural segment loans, which are made to businesses. Generally, these loans are secured by assets of the business and repayment is expected from the cash flows of the business. Consumer Loans segment includes loans, which may be either secured or unsecured and repayment is dependent on the credit quality of the individual borrower and, if applicable, sale of the collateral securing the loan, such as automobile, mobile home and other.
- Revenue in USD (TTM)26.47m
- Net income in USD5.93m
- Incorporated1998
- Employees65.00
- LocationOconee Financial Corp35 North Main StreetWATKINSVILLE 30677United StatesUSA
- Phone+1 (706) 769-6611
Peer analysis
- Key Information
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- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CNB Corp (Michigan) | 8.67m | -265.00k | 24.82m | 74.00 | -- | 1.32 | -- | 2.38 | -0.2157 | -0.2157 | 8.64 | 15.51 | -- | -- | -- | -- | -0.1015 | -0.1895 | -- | -- | -- | -- | -2.54 | -4.26 | -- | -- | -- | -- | -8.46 | -8.77 | -944.20 | -- | -43.70 | -- |
| Newpoint Financial Corp | 0.00 | -1.34m | 24.90m | 0.00 | -- | -- | -- | -- | -0.07 | -0.07 | 0.00 | -0.0714 | 0.00 | -- | -- | -- | -127.54 | -2.90 | -- | -3.00 | -- | -- | -- | -- | -- | -4.06 | 4.83 | -- | -- | -- | -1,436.99 | -- | -- | -- |
| Cib Marine Bancshares Inc | 42.40m | 830.00k | 24.91m | 177.00 | 64.35 | 0.3420 | -- | 0.8398 | 0.2797 | 0.2797 | 17.49 | 62.83 | -- | -- | -- | -- | 0.0985 | 0.5714 | -- | -- | -- | -- | 2.80 | 12.54 | -- | -- | -- | -- | 42.94 | 8.32 | -77.27 | -29.76 | -- | -- |
| M&F Bancorp Inc | 10.27m | -70.00k | 25.87m | 67.00 | -- | 1.06 | 70.69 | 2.25 | -0.0345 | -0.0345 | 5.66 | 18.04 | -- | -- | -- | -- | 0.0564 | -- | -- | -- | -- | -- | 1.45 | -- | -- | -- | -- | -- | 36.22 | -- | 25.92 | -- | -- | -- |
| Quaint Oak Bancorp Inc | 46.00m | 2.92m | 28.30m | 124.00 | 8.84 | 0.5372 | 8.65 | 0.853 | 1.22 | 0.9821 | 14.28 | 20.11 | -- | -- | -- | -- | 0.3377 | 0.9269 | -- | -- | -- | -- | 8.08 | 17.48 | -- | -- | -- | 20.01 | 36.97 | 29.68 | -74.31 | 0.1592 | 12.55 | 14.87 |
| Great American Bancorp Inc | 8.94m | 2.87m | 28.35m | 66.00 | 5.26 | 0.6717 | -- | 2.36 | 7.33 | 7.33 | 30.64 | 57.42 | -- | -- | -- | -- | 1.37 | 0.6638 | -- | -- | -- | -- | 23.87 | 14.12 | -- | -- | -- | 21.47 | 46.74 | 6.80 | 125.32 | 20.97 | 20.18 | -- |
| CommercialNatlFinlCorp(Pennsylvania) | 14.88m | 2.73m | 29.87m | 80.00 | 10.94 | 0.874 | -- | 1.88 | 0.9539 | 0.9539 | 5.55 | 11.95 | -- | -- | -- | -- | 0.6877 | 1.04 | -- | -- | -- | -- | 17.19 | 24.67 | -- | -- | -- | 67.35 | -1.04 | -1.14 | -22.01 | -6.85 | -- | 0.00 |
| Oconee Financial Corp | 26.47m | 5.93m | 30.82m | 65.00 | 5.31 | 0.8507 | -- | 1.15 | 6.48 | 6.48 | 29.28 | 40.44 | -- | -- | -- | -- | 1.05 | 0.7566 | -- | -- | -- | -- | 22.16 | 17.65 | -- | -- | -- | -- | 47.73 | 15.71 | 43.71 | 27.81 | -- | -- |
| Neffs Bancorp Inc | 13.12m | 3.71m | 32.40m | 29.00 | 9.75 | 0.7351 | 8.25 | 3.59 | 21.75 | 21.75 | 52.01 | 288.43 | -- | -- | -- | -- | 1.32 | 1.37 | -- | -- | -- | -- | 41.30 | 41.34 | -- | -- | -- | 26.56 | 1.74 | -1.26 | 8.40 | 4.57 | 1.48 | 7.28 |
| HFB Financial Corp (KY) | 15.72m | 2.49m | 32.57m | 70.00 | 14.25 | 1.51 | -- | 2.95 | 1.96 | 1.96 | 8.70 | 18.46 | -- | -- | -- | -- | 0.9758 | -- | -- | -- | -- | -- | 22.54 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Chino Commercial Bancorp (CA) | 20.55m | 5.01m | 33.24m | 29.00 | 6.63 | 0.8591 | -- | 2.09 | 1.56 | 1.56 | 4.94 | 12.05 | -- | -- | -- | -- | 1.11 | 1.09 | -- | -- | -- | -- | 31.56 | 28.16 | -- | -- | -- | -- | 35.49 | 18.25 | 4.75 | 17.22 | -- | -- |
| PB Bankshares Inc | 21.08m | 1.83m | 33.43m | 36.00 | 17.27 | 0.7209 | 15.47 | 2.67 | 0.7423 | 0.7423 | 5.11 | 17.78 | -- | -- | -- | -- | 0.4332 | -- | -- | -- | -- | -- | 14.58 | -- | -- | -- | -- | -- | 43.50 | -- | -9.22 | -- | -- | -- |
| Commercial Natl Finl Corp (Michigan) | -100.00bn | -100.00bn | 34.66m | 93.00 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 1.14 | -- | -- | -- | -- | -- | 30.30 | -- | -- | -- | 36.23 | 1.86 | 7.09 | 45.86 | 9.52 | 17.51 | -2.94 |
| Sturgis Bancorp Inc | 20.12m | 5.45m | 35.08m | 129.00 | 6.32 | 0.7905 | -- | 1.50 | 2.58 | 2.58 | 11.08 | 20.62 | -- | -- | -- | -- | 1.02 | 0.8527 | -- | -- | -- | -- | 23.29 | 18.23 | -- | -- | -- | 27.13 | 12.60 | 10.58 | 12.67 | 21.23 | -- | 46.14 |
| Citizens Financial Corp (Delaware) | 13.57m | 1.07m | 35.16m | 84.00 | 32.89 | 1.57 | 26.50 | 3.17 | 0.5843 | 0.5843 | 6.06 | 12.22 | -- | -- | -- | -- | 0.4133 | 0.6519 | -- | -- | -- | -- | 9.63 | 14.60 | -- | -- | -- | 59.73 | -4.95 | 5.86 | -11.64 | -14.59 | -24.54 | -4.36 |
| Lumbee Guaranty Bank | 13.81m | 1.41m | 35.62m | -- | 26.98 | 1.32 | 18.87 | 2.89 | 0.4076 | 0.4076 | 3.58 | 8.33 | -- | -- | -- | -- | 0.512 | 0.9497 | -- | -- | -- | -- | 11.42 | 25.06 | -- | -- | -- | 19.21 | 20.58 | 6.71 | 20.70 | 13.93 | -- | -- |
