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Oconee FinancialOSBK 73 Return-on-Tangible-Asset is 0.54% as of Mar. 2026, which is 30% below its 10-year median of 0.77. GuruFocus rates OSBK with a GF Score™ of 73/100 and a GF Value™ of $47.71 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,529 Banks companies, Oconee Financial ranks worse than 62.59% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Oconee Financial's annualizedNet Income for the quarter that ended in Mar. 2026 was $3.96 Mil. Oconee Financial's average total tangible assets for the quarter that ended in Mar. 2026 was $728.71 Mil. Therefore, Oconee Financial's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.54%.
The historical rank and industry rank for Oconee Financial's Return-on-Tangible-Asset or its related term are showing as below:
OSBK'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.42 Med: 0.77 Max: 1.05
Current: 0.81
During the past 11 years, Oconee Financial's highest Return-on-Tangible-Asset was 1.05%. The lowest was 0.42%. And the median was 0.77%.
OSBK's Return-on-Tangible-Asset is ranked worse than 62.59% of 1529
companies
in the Banks industry
Industry Median: 0.99
vs OSBK: 0.81
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Oconee Financial Return-on-Tangible-Asset Related Terms
Oconee Financial Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Oconee Financial's Return-on-Tangible-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.
OSBK vs BKFL, CIBH, CIZN: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Oconee Financial's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Oconee Financial's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Oconee Financial's Return-on-Tangible-Asset falls into.
* 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.54% mean?
Oconee Financial (OSBK) has a Return-on-Tangible-Asset of 0.54% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Oconee Financial and its competitors. This is 30% below median its historical median of 0.77. Over the past decade, Oconee Financial's Return-on-Tangible-Asset has ranged from 0.42 to 1.05. According to the industry distribution chart, Oconee Financial ranks #957 out of 1529 companies in the Banks industry, placing it in the top 62.6%.
Is Oconee Financial's Return-on-Tangible-Asset too high?
Oconee Financial's current Return-on-Tangible-Asset of 0.54% is 30% below median its 10-year median of 0.77. Over the past 10 years, this metric has ranged from a low of 0.42 to a high of 1.05. The Banks industry median Return-on-Tangible-Asset is 0.99. Oconee Financial's value of 0.54% is 45.5% below this industry median. Based on the distribution chart, Oconee Financial ranks #957 out of 1529 companies in the Banks industry, which is below 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 Return-on-Tangible-Asset compare to BKFL and CIBH?
According to the Banks industry distribution chart, Oconee Financial ranks #957 out of 1529 companies for Return-on-Tangible-Asset. This places Oconee Financial in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Oconee Financial's value of 0.54% is 45.5% below this benchmark. Historically, Oconee Financial's own Return-on-Tangible-Asset has ranged from 0.42 to 1.05 over the past decade. While the company's 10-year median is 0.77 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oconee Financial's current Return-on-Tangible-Asset of 0.54% is 45.5% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Oconee Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oconee Financial's current Return-on-Tangible-Asset is 0.54%, which is 30% below median its own 10-year median of 0.77. 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 $47.71, compared to a current price of $52.00 — trading 9% above its estimated fair value. The current Return-on-Tangible-Asset is 0.54%, which is 30% below median its 10-year median of 0.77 and 45.5% below the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Oconee Financial (OSBK), the current Return-on-Tangible-Asset is 0.54% 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% above its estimated GF Value™ of $47.71.
GuruFocus considers Oconee Financial to be Fairly Valued.
Key valuation signals for OSBK:
Return-on-Tangible-Asset: 0.54% (30% below median its 10-year median of 0.77)
GF Value™: $47.71 vs. price of $52.00 (9% above fair value)
Industry Position: 45.5% below the Banks median (#957 of 1529)
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
Get the complete analysis for OSBK
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