Oconee Financial Corp. (OSBK) intrinsic value & 10-year financials
Oconee Financial Corp. (OSBK) has no Graham intrinsic value right now because the formula needs positive earnings. Over the last 3 fiscal years revenue shrank 9.8% a year to $2.0M, with an average return on invested capital of -7.0%.
- Graham intrinsic value
- —
- Share price (Oct 17, 2026)
- $55.00
- Revenue (FY2011)
- $2.0M
- Revenue growth (3-yr CAGR)
- -9.8%
- ROIC (10-yr avg)
- -7.0%
- Free cash flow (FY2011)
- $2.3M
OSBK 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2011 | $2.0M | -$2.1M | — | $2.3M | — | -9.4% |
| FY2010 | $2.2M | -$1.1M | — | $3.5M | — | -4.5% |
| FY2009 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
OCONEE FINANCIAL CORP revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
OCONEE FINANCIAL CORP has historically struggled to out-earn its cost of capital, averaging just -7.0% ROIC.
OCONEE FINANCIAL CORP capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, OCONEE FINANCIAL CORP is modeled at -9.8% normalized earnings growth with a 5.1% bond-yield adjustment.