Oconee FinancialOSBK 73 Return-on-Tangible-Equity is 7.14% as of Mar. 2026, which is 28% below its 10-year median of 9.89. 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 1,526 Banks companies, Oconee Financial ranks worse than 54.13% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Oconee Financial's annualized net income for the quarter that ended in Mar. 2026 was $3.96 Mil. Oconee Financial's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $55.53 Mil. Therefore, Oconee Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 7.14%.
The historical rank and industry rank for Oconee Financial's Return-on-Tangible-Equity or its related term are showing as below:
OSBK'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.12 Med: 9.89 Max: 16.83
Current: 10.6
During the past 11 years, Oconee Financial's highest Return-on-Tangible-Equity was 16.83%. The lowest was 5.12%. And the median was 9.89%.
OSBK's Return-on-Tangible-Equity is ranked worse than 54.13% of 1526
companies
in the Banks industry
Industry Median: 11.195
vs OSBK: 10.60
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Oconee Financial Return-on-Tangible-Equity Related Terms
Oconee Financial Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Oconee Financial's Return-on-Tangible-Equity 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-Equity Comparison
For the Banks - Regional subindustry, Oconee Financial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Oconee Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Oconee Financial's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 7.14% mean?
Oconee Financial (OSBK) has a Return-on-Tangible-Equity of 7.14% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Oconee Financial and its competitors. This is 28% below median its historical median of 9.89. Over the past decade, Oconee Financial's Return-on-Tangible-Equity has ranged from 5.12 to 16.83. According to the industry distribution chart, Oconee Financial ranks #826 out of 1526 companies in the Banks industry, placing it in the top 54.1%.
Is Oconee Financial's Return-on-Tangible-Equity too high?
Oconee Financial's current Return-on-Tangible-Equity of 7.14% is 28% below median its 10-year median of 9.89. Over the past 10 years, this metric has ranged from a low of 5.12 to a high of 16.83. The Banks industry median Return-on-Tangible-Equity is 11.20. Oconee Financial's value of 7.14% is 36.2% below this industry median. Based on the distribution chart, Oconee Financial ranks #826 out of 1526 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-Equity compare to BKFL and CIBH?
According to the Banks industry distribution chart, Oconee Financial ranks #826 out of 1526 companies for Return-on-Tangible-Equity. This places Oconee Financial in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Oconee Financial's value of 7.14% is 36.2% below this benchmark. Historically, Oconee Financial's own Return-on-Tangible-Equity has ranged from 5.12 to 16.83 over the past decade. While the company's 10-year median is 9.89 vs. the industry median of 11.20, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oconee Financial's current Return-on-Tangible-Equity of 7.14% is 36.2% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Oconee Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oconee Financial's current Return-on-Tangible-Equity is 7.14%, which is 28% below median its own 10-year median of 9.89. 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 Return-on-Tangible-Equity is 7.14%, which is 28% below median its 10-year median of 9.89 and 36.2% below the Banks industry median of 11.20. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Oconee Financial (OSBK), the current Return-on-Tangible-Equity is 7.14% 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:
Return-on-Tangible-Equity: 7.14% (28% below median its 10-year median of 9.89)
GF Value™: $47.66 vs. price of $52.00 (9.1% above fair value)
Industry Position: 36.2% below the Banks median (#826 of 1526)
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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