OSBK (Oconee Financial) Dividend Payout Ratio: 1.26 (As of Mar. 2026) — 563% Above Median


OSBK Oconee Financial Corp OSBK
73 GF Score
Price $52.00
GF Value $47.66
Valuation Fairly Valued
! 6 Warning Signs
View Full Analysis

What is Oconee Financial Dividend Payout Ratio?

Oconee Financial OSBK 73 Dividend Payout Ratio is 1.26 as of Mar. 2026, which is 563% above its 10-year median of 0.19. 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. Among 1,175 Banks companies, Oconee Financial ranks better than 76.68% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Oconee Financial's Dividend Payout Ratio for the months ended in Mar. 2026 was 1.26.

The historical rank and industry rank for Oconee Financial's Dividend Payout Ratio or its related term are showing as below:

OSBK' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.16   Med: 0.19   Max: 0.28
Current: 0.21

During the past 11 years, the highest Dividend Payout Ratio of Oconee Financial was 0.28. The lowest was 0.16. And the median was 0.19.

OSBK's Dividend Payout Ratio is ranked better than
76.68% of 1175 companies
in the Banks industry
Industry Median: 0.32 vs OSBK: 0.21

As of today (2026-07-12), the Dividend Yield % of Oconee Financial is 2.21%.

During the past 11 years, the highest Trailing Annual Dividend Yield of Oconee Financial was 2.83%. The lowest was 1.38%. And the median was 1.89%.

Oconee Financial's Dividends per Share for the months ended in Mar. 2026 was $1.15.

During the past 12 months, Oconee Financial's average Dividends Per Share Growth Rate was 9.50% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 14.50% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 12.50% per year.

During the past 11 years, the highest 3-Year average Dividends Per Share Growth Rate of Oconee Financial was 14.50% per year. The lowest was 5.30% per year. And the median was 12.90% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Oconee Financial (OTCPK:OSBK) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Oconee Financial Dividend Payout Ratio Related Terms

Oconee Financial Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Oconee Financial's Dividend Payout Ratio 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 Dividend Payout Ratio Chart

Oconee Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.18 0.16 0.19 0.20 0.19

Oconee Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Dividend Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.08 0.00 0.00 0.00 1.26

OSBK vs BKFL, CIBH, CIZN: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, Oconee Financial's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Oconee Financial Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Oconee Financial's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where Oconee Financial's Dividend Payout Ratio falls into.


OSBK
73GF Score
Oconee Financial Corp OSBK
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Oconee Financial Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

Oconee Financial's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=1.05/ 5.486
=0.19

Oconee Financial's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Mar. 2026 )/ EPS without NRI (Q: Mar. 2026 )
=1.15/ 0.912
=1.26

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 1.26 mean?
Oconee Financial (OSBK) has a Dividend Payout Ratio of 1.26 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Oconee Financial and its competitors. This is 563% above median its historical median of 0.19. Over the past decade, Oconee Financial's Dividend Payout Ratio has ranged from 0.16 to 0.28. According to the industry distribution chart, Oconee Financial ranks #274 out of 1175 companies in the Banks industry, placing it in the top 23.3%.
Is Oconee Financial's Dividend Payout Ratio too high?
Oconee Financial's current Dividend Payout Ratio of 1.26 is 563% above median its 10-year median of 0.19. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 0.28. The Banks industry median Dividend Payout Ratio is 0.32. Oconee Financial's value of 1.26 is 293.8% above this industry median. Based on the distribution chart, Oconee Financial ranks #274 out of 1175 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Dividend Payout Ratio compare to BKFL and CIBH?
According to the Banks industry distribution chart, Oconee Financial ranks #274 out of 1175 companies for Dividend Payout Ratio. This places Oconee Financial in the top 23% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Oconee Financial's value of 1.26 is 293.8% above this benchmark. Historically, Oconee Financial's own Dividend Payout Ratio has ranged from 0.16 to 0.28 over the past decade. While the company's 10-year median is 0.19 vs. the industry median of 0.32, Oconee Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,175 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oconee Financial's current Dividend Payout Ratio of 1.26 is 293.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Oconee Financial and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oconee Financial's current Dividend Payout Ratio is 1.26, which is 563% above median its own 10-year median of 0.19. 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 Dividend Payout Ratio is 1.26, which is 563% above median its 10-year median of 0.19 and 293.8% above the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Oconee Financial (OSBK), the current Dividend Payout Ratio is 1.26 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:

  • Dividend Payout Ratio: 1.26 (563% above median its 10-year median of 0.19)
  • GF Value™: $47.66 vs. price of $52.00 (9.1% above fair value)
  • GF Score™: 73/100 with 6 warning signs
  • Industry Position: 293.8% above the Banks median (#274 of 1175)

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

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

Get the complete analysis for OSBK

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$52.00
Price
$47.66
GF Value