Financial Snapshot

Revenue
Gross Margin
Net Earnings
$2.766M
TTM
Current Assets
Current Liabilities
Current Ratio
Total Assets
$557.1M
Q1 2022
Total Liabilities
$524.4M
Q1 2022
Book Value
$32.70M
Q1 2022
Cash
P/E
12.69
Nov 25, 2024 EST
Free Cash Flow

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2021 2020 2019 2011 2010 2009 2008 2007 2006
Revenue
YoY Change

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2021 2020 2019 2011 2010 2009 2008 2007 2006
Revenue
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2021 2020 2019 2011 2010 2009 2008 2007 2006
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $610.0K $550.0K $620.0K $650.0K $660.0K $600.0K
YoY Change 10.91% -11.29% -4.62% -1.52% 10.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2021 2020 2019 2011 2010 2009 2008 2007 2006
Interest Expense
YoY Change
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2021 2020 2019 2011 2010 2009 2008 2007 2006
Pretax Income $3.731M $2.256M $4.777M -$2.230M -$2.030M -$2.270M -$6.170M $4.560M $5.800M
YoY Change 65.41% -52.78% 145.37% 9.85% -10.57% -63.21% -235.31% -21.38%
Income Tax $731.9K $367.1K $1.018M -$100.0K -$950.0K -$1.070M -$2.750M $1.300M $1.840M
% Of Pretax Income 19.62% 16.27% 21.3% 28.51% 31.72%
Net Earnings $3.000M $1.889M $3.759M -$2.120M -$1.080M -$1.200M -$3.430M $3.270M $3.960M
YoY Change 58.81% -49.76% 116.38% 96.3% -10.0% -65.01% -204.89% -17.42%
Net Earnings / Revenue
Basic Earnings Per Share
Diluted Earnings Per Share $3.346M $2.108M $4.197M -$2.356M -$1.200M -$1.333M -$3.811M $3.633M $4.400M

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2021 2020 2019 2011 2010 2009 2008 2007 2006
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $8.603M $5.103M $4.295M $5.600M $5.900M $6.300M $6.900M $7.400M $6.500M
YoY Change 68.58% 18.82% -26.59% -5.08% -6.35% -8.7% -6.76% 13.85%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets $571.1M $494.5M $399.5M $259.8M $279.4M $285.3M $308.2M $321.3M $336.5M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $1.100M $500.0K $400.0K $900.0K $2.300M $2.600M
YoY Change 120.0% 25.0% -55.56% -60.87% -11.54%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $13.00M $9.800M $6.500M $3.200M $3.200M
YoY Change -100.0% 32.65% 50.77% 103.13% 0.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $1.100M $13.50M $10.20M $7.400M $5.500M $5.800M
YoY Change -91.85% 32.35% 37.84% 34.55% -5.17%
Long-Term Debt $9.794M $9.771M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change 0.25%
Other Long-Term Liabilities $2.321M $1.928M $2.332M
YoY Change 20.37% -17.31% 245.83%
Total Long-Term Liabilities $12.12M $11.70M $2.332M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change 3.56% 401.71% 245.83%
Total Liabilities $531.8M $456.4M $363.9M $237.7M $256.4M $260.6M $282.4M $292.0M $309.8M
YoY Change 16.52% 25.43% 14.0% -7.29% -1.61% -7.72% -3.29% -5.75%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2021 2020 2019 2011 2010 2009 2008 2007 2006
Basic Shares Outstanding
Diluted Shares Outstanding
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $35.1 Million

About OCONEE FINANCIAL CORP

Oconee Financial Corp. operates as a bank holding company, which engages in providing commercial and consumer banking services to individuals and businesses. The company is headquartered in Watkinsville, Georgia. The company went IPO on 2014-05-23. The Bank is a community bank, which provides a full range of commercial and consumer banking services primarily in Oconee, Clarke and Gwinnett counties in Georgia. The Bank has four segments. Real Estate-Mortgage segment offers 1-4 family residential loans, Hotel loans and Other real estate mortgage loans. Real Estate-Construction segment primarily include land loans to local contractors and developers for developing the land. Commercial, Financial and Agricultural segment loans, which are made to businesses. Generally, these loans are secured by assets of the business and repayment is expected from the cash flows of the business. Consumer Loans segment includes loans, which may be either secured or unsecured and repayment is dependent on the credit quality of the individual borrower and, if applicable, sale of the collateral securing the loan, such as automobile, mobile home and other.

Industry: State Commercial Banks Peers: