` Comparison: OSBK vs BAC - Alpha Spread
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OSBK
vs
BAC

Over the past 12 months, OSBK has outperformed BAC, delivering a return of +25% compared to the BAC's +19% growth.

Valuation Growth Profitability Solvency Stocks Performance
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OSBK
BAC
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Stocks Compared:
OSBK BAC
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Valuation Comparison

OSBK Intrinsic Value
Not Available
BAC Intrinsic Value
65.81 USD
Undervaluation 20%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Oconee Financial Corp
OTC:OSBK
49 USD
Bank of America Corp
NYSE:BAC
52.96 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
OSBK, BAC

OSBK
BAC
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Oconee Financial Corp
Revenue
Bank of America Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
OSBK, BAC

OSBK
BAC
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Oconee Financial Corp
OTC:OSBK
FCF is not applicable for financial companies
Bank of America Corp
NYSE:BAC
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

OSBK
BAC
LTM 3Y Avg 5Y Avg 10Y Avg
Oconee Financial Corp
Not applicable for financial companies
Bank of America Corp
Not applicable for financial companies

Operating Margin

OSBK
BAC
LTM 3Y Avg 5Y Avg 10Y Avg
Oconee Financial Corp
Not applicable for financial companies
Bank of America Corp
Not applicable for financial companies

Net Margin

OSBK
-15.6%
BAC
25.7%

FCF Margin

OSBK
BAC
LTM 3Y Avg 5Y Avg 10Y Avg
Oconee Financial Corp
Not applicable for financial companies
Bank of America Corp
Not applicable for financial companies

ROE

OSBK
-7.5%
BAC
9.7%

ROA

OSBK
-0.6%
BAC
0.9%

ROIC

OSBK
BAC
LTM 3Y Avg 5Y Avg 10Y Avg
Oconee Financial Corp
Not applicable for financial companies
Bank of America Corp
Not applicable for financial companies

ROCE

OSBK
BAC
LTM 3Y Avg 5Y Avg 10Y Avg
Oconee Financial Corp
Not applicable for financial companies
Bank of America Corp
Not applicable for financial companies

Solvency Comparison

Oconee Financial Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Bank of America Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
OSBK, BAC

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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
OSBK, BAC

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OSBK
BAC
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
OSBK, BAC

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OSBK
BAC
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