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Oconee Financial Corporation (OSBK)
Watkinsville, GA, US
Oconee Financial Corporation functions as the parent company for Oconee State Bank, delivering a comprehensive suite of commercial and personal banking solutions to individuals, businesses, and their local communities. Its product offerings encompass diverse deposit options, including checking, savings, money market, and individual retirement accounts, alongside certificates of deposit. For lending needs, the bank provides consumer, construction, commercial, Small Business Administration, and mortgage loans, as well as lines of credit, complemented by debit and credit card services. The corporation also offers an extensive range of ancillary services such as bill payment, electronic statements, secure deposit boxes, overdraft protection, stop payment orders, wire transfers, mobile and remote deposit capabilities, ACH advantage, merchant card services, check recovery, mobile text banking, and investment guidance. Customers can conveniently manage their finances through online, mobile, and telephone banking platforms. Oconee State Bank operates a network of physical locations: three full-service financial centers in Oconee County, one full-service center in Gwinnett County, and additional branches in Bogart, on Experiment Station Road (serving Butler's Crossing), and on North Brown Road in Lawrenceville. Furthermore, it maintains a limited service loan production office in Athens/Clarke County and another loan production office in downtown Athens at One Press Place. The institution also provides three automated teller machines strategically placed within Oconee County. Established in 1960, Oconee Financial Corporation is headquartered in Watkinsville, Georgia.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.85% | -0.18% | -0.13% | -0.18% | +6.22% | +5.65% | +26.17% | +43.44% | +31.21% | +50.27% | +50.27% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
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Revenue growth+15.7% Q1'26: +13.5% (vs Q1'25)
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EPS growth+14.2% Q1'26: -3.1% (vs Q1'25)
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FCF margin— Q1'26: +0.0% (vs Q1'25)
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EBIT margin— Q1'26: +11.2% (vs Q1'25)
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ROIC— Q1'26: +10.4% (vs Q1'25)
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Share dilution+0.0% Q1'26: +0.2% (vs Q1'25)
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Debt / EBITDA— Q1'26: 6.00× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-07 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-06 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-27 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-24 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-21 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-20 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
| Date | Person | Role | Transaction | A/D | Security | Shares | Price | Value | Owned after | D/I | Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2011-12-31 | WELLS VIRGINIA S | Director / 10% Owner | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2011-12-31 | Bishop G Robert | Director | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2011-03-25 | Harden B Amrey | Director / Officer | P-Purchase | A | Common Stock | 100 | 25.00 | 2.5K | 4,200 | — | ↗ |
| 2010-12-31 | WELLS VIRGINIA S | Director / 10% Owner | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2010-12-31 | DICKENS DOUGLAS D | Director | — | I | Common Stock | 0 | 0.00 | — | 16,720 | — | ↗ |
| 2010-12-31 | Bishop G Robert | Director | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2010-10-27 | Harden B Amrey | Director / Officer | P-Purchase | A | Common Stock | 100 | 30.00 | 3.0K | 4,100 | — | ↗ |
| 2009-12-31 | WELLS VIRGINIA S | Director / 10% Owner | — | I | Common Stock | 0 | 0.00 | — | 3,500 | — | ↗ |
| 2008-12-31 | WELLS VIRGINIA S | Director / 10% Owner | — | I | Common Stock | 0 | 0.00 | — | 2,890 | — | ↗ |
| 2008-11-03 | DICKENS DOUGLAS D | Director | P-Purchase | A | Common Stock | 50 | 60.00 | 3.0K | 1,724 | — | ↗ |
| 2008-10-20 | Hale J Albert Sr | Director | — | D | Common Stock | 0 | 0.00 | — | 2,300 | — | ↗ |
| 2008-08-13 | DICKENS DOUGLAS D | Director | P-Purchase | A | Common Stock | 80 | 60.00 | 4.8K | 80 | — | ↗ |
| 2008-07-29 | DICKENS DOUGLAS D | Director | P-Purchase | A | Common Stock | 150 | 66.67 | 10.0K | 360 | — | ↗ |
| 2008-05-19 | Rogers Steven Anthony | Officer | — | D | Common Stock | 0 | 0.00 | — | 25 | — | ↗ |
| 2007-12-31 | WELLS VIRGINIA S | Director / 10% Owner | — | I | Common Stock | 0 | 0.00 | — | 1,845 | — | ↗ |
| 2007-12-31 | Powers Ann B. | Director | — | D | Common Stock | 0 | 0.00 | — | 3,000 | — | ↗ |
| 2007-12-31 | DICKENS DOUGLAS D | Director | — | I | Common Stock | 0 | 0.00 | — | 16,720 | — | ↗ |
| 2007-11-19 | DICKENS DOUGLAS D | Director | P-Purchase | A | Common Stock | 142 | 70.00 | 9.9K | 1,724 | — | ↗ |
| 2006-12-31 | WELLS VIRGINIA S | Director / 10% Owner | — | I | Common Stock | 0 | 0.00 | — | 1,190 | — | ↗ |
| 2006-12-31 | DICKENS DOUGLAS D | Director | — | I | Common Stock | 0 | 0.00 | — | 16,720 | — | ↗ |
| 2006-08-29 | Maxey Henry C | Director | P-Purchase | A | Common Stock | 5 | 90.00 | 450.00 | 151 | — | ↗ |
| 2005-12-31 | WELLS VIRGINIA S | Director / 10% Owner | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2005-12-31 | Christopher Jimmy L | Director | — | D | Common Stock | 0 | 0.00 | — | 585 | — | ↗ |
| 2005-11-30 | DICKENS DOUGLAS D | Director | P-Purchase | A | Common Stock | 40 | 85.00 | 3.4K | 1,602 | — | ↗ |
| 2005-02-18 | DICKENS DOUGLAS D | Director | P-Purchase | A | Common Stock | 197 | 85.00 | 16.7K | 1,562 | — | ↗ |
| 2005-02-18 | Christopher Jimmy L | Director | P-Purchase | A | Common Stock | 53 | 85.00 | 4.5K | 585 | — | ↗ |
| 2005-01-25 | WILSON TOM F | Officer | P-Purchase | A | Common Stock | 100 | 85.00 | 8.5K | 100 | — | ↗ |
| 2004-12-31 | WELLS VIRGINIA S | Director / 10% Owner | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2004-04-15 | DICKENS DOUGLAS D | Director | P-Purchase | A | Common Stock | 100 | 75.00 | 7.5K | 100 | — | ↗ |
| 2004-02-11 | DICKENS DOUGLAS D | Director | P-Purchase | A | Common Stock | 400 | 72.00 | 28.8K | 16,720 | — | ↗ |
| 2004-02-02 | WILSON TOM F | Officer | — | D | No Securities Owned | 0 | 0.00 | — | 0 | — | ↗ |
| 2003-12-31 | WELLS VIRGINIA S | Director / 10% Owner | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
Executive team
Executive compensation
| # | Year | Executive | Salary | Bonus | Stock award | Option award | Incentive | Other | Total | % Stock- based |
Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 2005 | B. Amrey Harden President and Chief Executive Officer | 142.5K | 35.5K | — | — | — | 15.0K | 193.1K | 0.00% | ↗ |
| 2 | 2005 | Jerry K. Wages Senior Executive Vice President and Chief Financial Officer | 133.9K | 42.0K | — | — | — | 14.1K | 190.0K | 0.00% | ↗ |
| 3 | 2005 | Tom F. Wilson Executive Vice President and Chief Loan Officer | 130.8K | 24.7K | — | — | — | 13.6K | 169.1K | 0.00% | ↗ |
| 4 | 2005 | Donald L. Jesweak Senior Vice President | 113.0K | 18.5K | — | — | — | 11.9K | 143.5K | 0.00% | ↗ |
| 5 | 2004 | B. Amrey Harden President and Chief Executive Officer | 139.2K | 21.0K | — | — | — | 14.1K | 174.3K | 0.00% | ↗ |
| 6 | 2004 | Jerry K. Wages Senior Executive Vice President and Chief Financial Officer | 127.5K | 22.5K | — | — | — | 13.2K | 163.2K | 0.00% | ↗ |
| 7 | 2004 | Donald L. Jesweak Senior Vice President | 109.8K | 10.0K | — | — | — | 11.1K | 130.9K | 0.00% | ↗ |
| 8 | 2004 | Tom F. Wilson Executive Vice President and Chief Loan Officer | 114.6K | 6.3K | — | — | — | — | 120.9K | 0.00% | ↗ |
| 9 | 2004 | Tom F. Wilson Executive Vice President and Chief Lending Officer | 114.6K | — | — | — | — | — | 114.6K | 0.00% | ↗ |
| 10 | 2003 | B. Amrey Harden President and Chief Executive Officer | 139.2K | 10.2K | — | — | — | 15.9K | 165.2K | 0.00% | ↗ |
| 11 | 2003 | Jerry K. Wages Senior Executive Vice President and Chief Financial Officer | 115.5K | 18.4K | — | — | — | 13.7K | 147.6K | 0.00% | ↗ |
| 12 | 2003 | Jerry K. Wages Executive Vice President and Chief Financial Officer | 115.5K | 18.4K | — | — | — | 13.7K | 147.6K | 0.00% | ↗ |
| 13 | 2003 | Donald L. Jesweak Senior Vice President | 106.6K | 7.1K | — | — | — | 12.5K | 126.2K | 0.00% | ↗ |
| 14 | 2003 | Donald L. Jesweak Senior Vice President and Senior Lending Officer | 106.6K | 7.1K | — | — | — | 12.5K | 126.2K | 0.00% | ↗ |
| 15 | 2003 | Tom F. Wilson Executive Vice President and Chief Loan Officer | — | — | — | — | — | — | — | — | ↗ |
| 16 | 2002 | B. Amrey Harden President and Chief Executive Officer | 133.2K | 28.4K | — | — | — | 20.5K | 182.1K | 0.00% | ↗ |
| 17 | 2002 | Jerry K. Wages Executive Vice President and Chief Financial Officer | 110.4K | 28.8K | — | — | — | 17.1K | 156.4K | 0.00% | ↗ |
| 18 | 2002 | Donald L. Jesweak Senior Vice President and Senior Lending Officer | 101.8K | 25.2K | — | — | — | 14.5K | 141.5K | 0.00% | ↗ |
| 19 | 2001 | B. Amrey Harden President and Chief Executive Officer | 127.2K | 22.1K | — | — | — | 20.4K | 169.8K | 0.00% | ↗ |
| 20 | 2001 | Jerry K. Wages Executive Vice President and Chief Financial Officer | 105.4K | 24.0K | — | — | — | 16.0K | 145.5K | 0.00% | ↗ |
| 21 | 2001 | Donald L. Jesweak Senior Vice President and Senior Lending Officer | 97.4K | 16.6K | — | — | — | 14.9K | 128.9K | 0.00% | ↗ |
| 22 | 2000 | B. Amrey Harden President and Chief Executive Officer | 116.6K | 25.3K | — | — | — | 17.6K | 159.5K | 0.00% | ↗ |
| 23 | 2000 | Jerry K. Wages Executive Vice President and Chief Financial Officer | 100.4K | 21.4K | — | — | — | 14.4K | 136.2K | 0.00% | ↗ |
| 24 | 2000 | Donald L. Jesweak Senior Vice President and Senior Lending Officer | 93.0K | 20.8K | — | — | — | 13.2K | 127.0K | 0.00% | ↗ |
| 25 | 1999 | B. Amrey Harden President and Chief Executive Officer | 106.0K | 23.6K | — | — | — | 14.3K | 143.9K | 0.00% | ↗ |
| 26 | 1999 | Jerry K. Wages Executive Vice President and Chief Financial Officer | 95.7K | 18.6K | — | — | — | 12.2K | 126.4K | 0.00% | ↗ |
| 27 | 1999 | Donald L. Jesweak Senior Vice President and Senior Lending Officer | 88.7K | 19.8K | — | — | — | 11.4K | 119.9K | 0.00% | ↗ |
Proxy statements
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Thomas F. Wilson | Executive Vice President & Chief Credit Officer | 155.8K | male |
| James R. McLemore | Executive Vice President, Chief Financial Officer & Corporate Development Officer | — | male |
| Joe Godfrey | Senior Vice President of Community President Gwinnett | — | male |
| John Arthur Davis | Executive Vice President and Chief Innovation & Technology Officer | — | male |
| Mike Hill | President of Trio South Bank | — | male |
| Philip A. Bernardi | Executive Vice President & Chief Banking Officer | — | male |
| Rob A. Matthews | Senior Vice President of Commercial Lender Oconee | — | male |
| Selena Ruth | Executive Vice President & Chief Human Resources Officer | — | female |
| T. Hal Jackson | Senior Vice President of Community President Oconee | — | male |
| Cristi J. Donahue | Executive Vice President & Chief Administrative Officer | — | female |
| Timothy Neil Stevens | President, Chief Executive Officer & Director | — | male |
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for OSBK
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
