Oconee FinancialOSBK 73 PB Ratio is 0.98 as of Jul. 12, 2026, which is 10% above its 10-year median of 0.89. 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 1,520 Banks companies, Oconee Financial ranks better than 60.39% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-12), Oconee Financial's share price is $52.00. Oconee Financial's Book Value per Share for the quarter that ended in Mar. 2026 was $52.97. Hence, Oconee Financial's PB Ratio of today is 0.98.
Warning Sign:
Oconee Financial Corp stock PB Ratio (=0.98) is close to 3-year high of 0.98.
The historical rank and industry rank for Oconee Financial's PB Ratio or its related term are showing as below:
OSBK'
s PB Ratio Range Over the Past 10 Years
Min: 0.74 Med: 0.89 Max: 1.34
Current: 0.98
During the past 11 years, Oconee Financial's highest PB Ratio was 1.34. The lowest was 0.74. And the median was 0.89.
OSBK's PB Ratio is ranked better than 60.39% of 1520
companies
in the Banks industry
Industry Median: 1.1
vs OSBK: 0.98
During the past 12 months, Oconee Financial's average Book Value Per Share Growth Rate was 13.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 18.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 4.30% per year.
During the past 11 years, the highest 3-Year average Book Value Per Share Growth Rate of Oconee Financial was 18.20% per year. The lowest was -6.60% per year. And the median was 5.05% per year.
Back to Basics: PB Ratio
Oconee Financial (OTCPK:OSBK) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Oconee Financial PB Ratio Related Terms
Oconee Financial PB Ratio Historical Data
* Premium members only.
The historical data trend for Oconee Financial's PB 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.
For the Banks - Regional subindustry, Oconee Financial's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Oconee Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where Oconee Financial's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Oconee Financial (OSBK) has a PB Ratio of 0.98 as of Jul. 12, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Oconee Financial and its competitors. This is 10% above median its historical median of 0.89. Over the past decade, Oconee Financial's PB Ratio has ranged from 0.74 to 1.34. According to the industry distribution chart, Oconee Financial ranks #602 out of 1520 companies in the Banks industry, placing it in the top 39.6%.
Is Oconee Financial's PB Ratio too high?
Oconee Financial's current PB Ratio of 0.98 is 10% above median its 10-year median of 0.89. Over the past 10 years, this metric has ranged from a low of 0.74 to a high of 1.34. The Banks industry median PB Ratio is 1.10. Oconee Financial's value of 0.98 is 10.9% below this industry median. Based on the distribution chart, Oconee Financial ranks #602 out of 1520 companies in the Banks industry, which is above the industry midpoint. 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 PB Ratio compare to BKFL and CIBH?
According to the Banks industry distribution chart, Oconee Financial ranks #602 out of 1520 companies for PB Ratio. This puts Oconee Financial in the upper half of its industry. The industry median PB Ratio is 1.10. Oconee Financial's value of 0.98 is 10.9% below this benchmark. Historically, Oconee Financial's own PB Ratio has ranged from 0.74 to 1.34 over the past decade. While the company's 10-year median is 0.89 vs. the industry median of 1.10, Oconee Financial has consistently been below 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oconee Financial's current PB Ratio of 0.98 is 10.9% below 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Oconee Financial and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oconee Financial's current PB Ratio is 0.98, which is 10% above median its own 10-year median of 0.89. 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 PB Ratio is 0.98, which is 10% above median its 10-year median of 0.89 and 10.9% below the Banks industry median of 1.10. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Oconee Financial (OSBK), the current PB Ratio is 0.98 as of Jul. 12, 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:
PB Ratio: 0.98 (10% above median its 10-year median of 0.89)
GF Value™: $47.66 vs. price of $52.00 (9.1% above fair value)
Industry Position: 10.9% below the Banks median (#602 of 1520)
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 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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