OSBK (Oconee Financial) Scaled Net Operating Assets: -0.14 (As of Mar. 2026)


OSBK Oconee Financial Corp OSBK
73 GF Score
Price $52.00
GF Value $47.66
Valuation Fairly Valued
! 6 Warning Signs
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What is Oconee Financial Scaled Net Operating Assets?

Oconee Financial OSBK 73 Scaled Net Operating Assets is -0.14 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Oconee Financial's operating assets for the quarter that ended in Mar. 2026 was $535.38 Mil. Oconee Financial's operating liabilities for the quarter that ended in Mar. 2026 was $638.88 Mil. Oconee Financial's Total Assets for the quarter that ended in Dec. 2025 was $734.16 Mil. Therefore, Oconee Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.14.

OSBK
73GF Score
Oconee Financial Corp OSBK
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Oconee Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Oconee Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(658.089-648.346)/640.032
=0.02

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=734.159 - 76.07
=658.089

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=677.904 - 29.558 - 0
=648.346

Oconee Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(535.381-638.876)/734.159
=-0.14

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=724.024 - 188.643
=535.381

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=668.458 - 29.582 - 0
=638.876

* 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.

What does a Scaled Net Operating Assets of -0.14 mean?
Oconee Financial (OSBK) has a Scaled Net Operating Assets of -0.14 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Oconee Financial and its competitors.
Is Oconee Financial's Scaled Net Operating Assets too high?
Oconee Financial's current Scaled Net Operating Assets is -0.14. 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 Scaled Net Operating Assets compare to BKFL and CIBH?
Oconee Financial's Scaled Net Operating Assets of -0.14 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Oconee Financial and its competitors. Oconee Financial's current Scaled Net Operating Assets is -0.14. 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 Scaled Net Operating Assets is -0.14. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Oconee Financial (OSBK), the current Scaled Net Operating Assets is -0.14 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:

  • Scaled Net Operating Assets: -0.14
  • 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

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

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$52.00
Price
$47.66
GF Value