OSBK (Oconee Financial) LT-Debt-to-Total-Asset: 0.04 (As of Mar. 2026)

What is Oconee Financial LT-Debt-to-Total-Asset?

Oconee Financial OSBK 73 LT-Debt-to-Total-Asset is 0.04 as of Mar. 2026. GuruFocus rates OSBK with a GF Score™ of 73/100 and a GF Value™ of $47.66 (Fairly Valued). The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Oconee Financial's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.04.

Oconee Financial's long-term debt to total assets ratio increased from Mar. 2025 (0.03) to Mar. 2026 (0.04). It may suggest that Oconee Financial is progressively becoming more dependent on debt to grow their business.

Oconee Financial (OTCPK:OSBK) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Oconee Financial LT-Debt-to-Total-Asset Related Terms

Oconee Financial LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Oconee Financial's LT-Debt-to-Total-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Oconee Financial LT-Debt-to-Total-Asset Chart

Oconee Financial Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.02

0.03

0.04

Oconee Financial Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.03	0.04	0.04	0.04	0.04

73GF Score

Oconee Financial Corp OSBK

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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Oconee Financial LT-Debt-to-Total-Asset Calculation

Oconee Financial's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	29.558	/	734.159
	=	0.04

Oconee Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	29.582	/	724.024
	=	0.04

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.04 mean?

Oconee Financial (OSBK) has a LT-Debt-to-Total-Asset of 0.04 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Oconee Financial and its competitors.

Is Oconee Financial's LT-Debt-to-Total-Asset too high?

Oconee Financial's current LT-Debt-to-Total-Asset is 0.04. Overall, Oconee Financial has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does Oconee Financial's LT-Debt-to-Total-Asset compare to BKFL and CIBH?

Oconee Financial's LT-Debt-to-Total-Asset of 0.04 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Oconee Financial and its competitors. Oconee Financial's current LT-Debt-to-Total-Asset is 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Oconee Financial stock overvalued right now?

Based on GuruFocus' analysis, Oconee Financial (OSBK) is currently considered Fairly Valued. The stock's GF Value™ is $47.66, compared to a current price of $52.00 — trading 9.1% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.04. Oconee Financial's overall GF Score™ is 73/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Oconee Financial (OSBK), the current LT-Debt-to-Total-Asset is 0.04 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Oconee Financial (OSBK) Overvalued in 2026?

Based on GuruFocus' analysis, Oconee Financial stock appears to be overvalued. The current stock price of $52.00 is trading 9.1% above its estimated GF Value™ of $47.66. GuruFocus considers Oconee Financial to be Fairly Valued.

Key valuation signals for OSBK:

LT-Debt-to-Total-Asset: 0.04
GF Value™: $47.66 vs. price of $52.00 (9.1% above fair value)
GF Score™: 73/100 with 6 warning signs

No single metric tells the full story. See the OSBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Oconee Financial Business Description

Industry Financial Services Banks

Comparable Companies BKFL CIBH CIZN KEFI MBKL BSPA NIDB FFWC MFBP WSSH SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 41 North Main Street, Watkinsville, GA, USA, 30677

Website https://www.oconeestatebank.com

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.

73GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$52.00

Price

$47.66

GF Value

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