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Oconee Financial Corporation
OSBKFinancial ServicesOTCUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $44.06M | 12.8% | $5.64M | $4.85M | N/A |
| 2027 | $48.47M | 12.8% | $6.20M | $5.33M | $4.85M |
| 2028 | $53.31M | 12.8% | $6.82M | $5.86M | $4.85M |
| 2029 | $58.64M | 12.8% | $7.51M | $6.45M | $4.85M |
| 2030 | $64.51M | 12.8% | $8.26M | $7.10M | $4.85M |
| 2031 | $70.96M | 12.8% | $9.08M | $7.81M | $4.85M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $5.38 | 2025-12-31 |
| EPS growth | +14.2% | Forecast years: 5 |
| Future EPS | $10.45 | EPS × (1 + G)^5 |
| Base P/E | 8.6 | P/E |
| Future price | $89.869 | Future EPS × P/E |
| Fair value today | $55.802 | PV @ 10.0% |
| 30% safety price | $39.061 | Margin of safety |
| 50% safety price | $27.901 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $285.11 | $297.29 | $313.89 |
| 10.0% | $272.82 | $281.79 | $293.53 |
| 11.0% | $263.13 | $269.96 | $278.62 |