Oconomowoc Bancshares, Inc. (OCNB) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
Market cap $10.7M is the value of all shares combined.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 16, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerOconomowoc Bancshares, Inc. (OCNB) trades at $32.00. Oconomowoc Bancshares, Inc. is a bank holding company operating through its subsidiary, Bank Five Nine, providing a range of banking products and services in Wisconsin. Market cap: $10.7M, Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for OCNB: OCNB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates OCNB against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
No score published: this stock trades under $10,000 on a typical day, so the price beside it is not one you could reliably act on.
OCNB: 1/2 scored disciplines lean bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Oconomowoc Bancshares, Inc. (OCNB) Financial Services Profile
Oconomowoc Bancshares, Inc., operating as Bank Five Nine, provides banking products and services to individuals and businesses in Wisconsin, focusing on personalized financial solutions, including loans, deposit accounts, and wealth management, within a competitive regional banking landscape characterized by evolving customer needs and technological advancements.
What Is the Investment Thesis for OCNB?
Oconomowoc Bancshares, Inc. presents a mixed investment case. With a market capitalization of $10.7M and a profit margin of 20.8%, the company demonstrates profitability. Its return on equity (ROE) of 10.7% indicates reasonable efficiency in generating profits from shareholders' equity. However, the absence of a dividend yield may deter income-focused investors. Growth catalysts include potential expansion of its digital banking services and strategic lending initiatives targeting local businesses. Key risks involve the competitive regional banking environment and potential impacts from interest rate fluctuations. The company's beta of -0.13 suggests low volatility relative to the market, potentially offering stability in turbulent times. Successful execution of growth strategies and effective risk management are crucial for Oconomowoc Bancshares to enhance shareholder value.
Based on FMP financials and quantitative analysis
OCNB Key Highlights
Market capitalization of $10.7M indicates its position as a smaller community bank.
- Profit margin of 20.8% reflects efficient operations and profitability.
- Return on equity (ROE) of 10.7% demonstrates the bank's ability to generate profit from shareholder investments.
- Beta of -0.13 suggests the stock is less volatile than the market average.
- Absence of dividend yield may impact its attractiveness to income-seeking investors.
Who Are OCNB's Competitors?
OCNB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| CBTN Citizens Bancorp Investment, Inc. | $35.50 | 0.00% | $210M | — |
| FBIP FNB Bancorp, Inc. | $60.00 | 0.00% | $386M | — |
| FFMH First Farmers and Merchants Corporation | $64.00 | +0.00% | $253M | — |
| FIEB First IC Corporation | $20.49 | 0.00% | $186M | — |
| FXLG FS Bancorp | $54.00 | 0.00% | $223M | — |
| SBFG SB Financial Group, Inc. | $29.44 | +1.41% | $185M | 905-pillar |
| HWBK Hawthorn Bancshares, Inc. | $39.86 | +0.83% | $275M | 905-pillar |
| ATLO Ames National Corporation | $32.34 | +1.63% | $286M | 915-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are OCNB's Key Strengths?
Strong local presence in southeastern Wisconsin
- Personalized customer service approach
- Established relationships with local businesses
- Comprehensive range of banking products and services
What Are OCNB's Weaknesses?
Limited geographic reach compared to larger regional banks
- Reliance on traditional banking model
- Smaller market capitalization
- Lack of dividend yield
What Could Drive OCNB Stock Higher?
Expansion of digital banking services to attract and retain customers.
- Strategic lending initiatives targeting local businesses to increase loan portfolio.
- Potential partnerships with local businesses and community organizations to enhance brand awareness.
- Possible geographic expansion within Wisconsin to reach new markets.
- Growth in wealth management services to cater to high-net-worth individuals.
What Are the Key Risks for OCNB?
Intense competition from larger regional and national banks.
- Interest rate fluctuations impacting profitability.
- Regulatory compliance requirements increasing operational costs.
- Economic downturn affecting loan demand and credit quality.
- Limited liquidity due to OTC market trading.
What Are the Growth Opportunities for OCNB?
- Expansion of digital banking services represents a significant growth opportunity for Oconomowoc Bancshares. By enhancing its online and mobile banking platforms, the company can attract and retain customers seeking convenient and accessible banking solutions. This includes offering advanced features such as mobile check deposit, online account opening, and personalized financial management tools. The market for digital banking is growing rapidly, with increasing adoption among both consumers and businesses. Successful implementation of these strategies could lead to increased customer acquisition and retention, driving revenue growth.
- Strategic lending initiatives targeting local businesses can fuel Oconomowoc Bancshares' growth. By providing tailored loan products and financial services to small and medium-sized enterprises (SMEs) in its service area, the bank can capitalize on the demand for business financing. This includes offering SBA loans, commercial real estate loans, and lines of credit to support business expansion and investment. The market for SME lending is substantial, with many businesses seeking access to capital to fund their growth plans. By focusing on building relationships with local businesses and providing personalized lending solutions, Oconomowoc Bancshares can increase its loan portfolio and generate higher interest income.
- Wealth management services offer a growth avenue for Oconomowoc Bancshares. By expanding its wealth management offerings, the bank can cater to the growing demand for financial planning and investment advice among individuals and families. This includes providing services such as retirement planning, investment management, and estate planning. The market for wealth management is expanding, driven by factors such as an aging population and increasing affluence. By offering comprehensive wealth management solutions and building trust with its clients, Oconomowoc Bancshares can attract and retain high-net-worth individuals and generate fee income.
- Geographic expansion within Wisconsin represents a growth opportunity for Oconomowoc Bancshares. By strategically expanding its branch network and service area, the bank can reach new customers and markets. This includes identifying underserved communities and establishing a presence through new branches or acquisitions. The market for banking services in Wisconsin is competitive, but there are opportunities for community banks to differentiate themselves through personalized service and local expertise. By carefully selecting expansion locations and tailoring its offerings to meet the needs of local communities, Oconomowoc Bancshares can increase its market share and revenue.
- Partnerships with local businesses and community organizations can drive growth for Oconomowoc Bancshares. By collaborating with local businesses and community groups, the bank can enhance its brand awareness and build stronger relationships with its target market. This includes sponsoring local events, participating in community initiatives, and offering financial literacy programs. The market for community banking is relationship-driven, with customers valuing personalized service and local involvement. By actively engaging with its community and building trust with its customers, Oconomowoc Bancshares can increase customer loyalty and attract new business.
What Are OCNB's Competitive Advantages?
- Strong local presence and community relationships
- Personalized customer service
- Established brand reputation in southeastern Wisconsin
- Focus on serving the needs of local businesses
What Does OCNB Do?
Oconomowoc Bancshares, Inc. serves as the holding company for Bank Five Nine, a community bank offering a comprehensive suite of financial products and services. Established in Oconomowoc, Wisconsin, Bank Five Nine has deep roots in the local community, providing financial solutions tailored to the needs of individuals, families, and businesses. The bank’s offerings include a variety of deposit accounts, such as checking, savings, and individual retirement accounts, as well as certificates of deposit. Lending services encompass home, personal, business, and commercial real estate loans, including mortgages, home equity lines of credit, and SBA lending. Bank Five Nine also provides cash and wealth management services, catering to clients seeking financial planning and investment advice. The bank has embraced technology to enhance customer convenience, offering online and mobile banking services. Oconomowoc Bancshares operates primarily in southeastern Wisconsin, focusing on building long-term relationships with its customers. The company differentiates itself through its commitment to personalized service and community involvement. As of 2026, Oconomowoc Bancshares continues to navigate the evolving banking landscape, adapting to changing customer preferences and regulatory requirements while maintaining its focus on local relationships and community support.
What Products and Services Does OCNB Offer?
- Provides checking and savings accounts for individuals and businesses
- Offers home, personal, and business loans
- Provides commercial real estate financing solutions
- Offers credit and debit cards
- Provides cash management services
- Provides wealth management services
- Offers online and mobile banking platforms
- Provides SBA lending
How Does OCNB Make Money?
- Generates revenue through interest income from loans
- Earns fees from deposit accounts and other banking services
- Provides wealth management services for a fee
- Offers online and mobile banking services
What Industry Does OCNB Operate In?
Oconomowoc Bancshares operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is undergoing digital transformation, with banks increasingly investing in technology to enhance customer experience and streamline operations. Regulatory compliance and interest rate fluctuations are significant factors influencing profitability. The regional banking market is fragmented, with numerous community banks and larger national players vying for market share. Oconomowoc Bancshares differentiates itself through its focus on personalized service and local community engagement, aiming to build long-term relationships with its customers.
Who Are OCNB's Key Customers?
- Individuals seeking personal banking services
- Small and medium-sized businesses requiring financing
- Commercial real estate developers
- High-net-worth individuals seeking wealth management
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● Price is current
- ● No filing on record
- ● No analyst coverage
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 45 |
| 2026-08-26 | 45 |
| 2026-08-29 | 45 |
| 2026-09-01 | 45 |
| 2026-09-04 | 45 |
| 2026-09-07 | 45 |
| 2026-09-10 | 45 |
What changed?
The score has stayed at 45.
Over the same 18 days the stock moved +0.0%.
Company Profile
Oconomowoc Bancshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Oconomowoc, US. The company is led by CEO Timothy Jon Schneider. OCNB has traded publicly since 2014.
Insider Activity
The most recent 7 insider filings for Oconomowoc Bancshares, Inc. break down as 2 sales and 5 purchases. On net that is roughly 11K shares acquired (about $94K) — insiders putting money in tends to read as conviction.
Key Financial Metrics
Return on equity for Oconomowoc Bancshares, Inc. stands at 12.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.9%, showing how much profit it generates from its asset base.
OCNB Valuation & Market Position
With a $10.7M market cap, Oconomowoc Bancshares, Inc. sits in the micro-cap segment of the market.
OCNB Financials
Bull Case vs Bear Case
Bull Case
- Strong local presence in southeastern Wisconsin
- Personalized customer service approach
- Established relationships with local businesses
- Comprehensive range of banking products and services
Bear Case
- Limited geographic reach compared to larger regional banks
- Reliance on traditional banking model
- Smaller market capitalization
- Lack of dividend yield
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
OCNB Latest News
No recent news available for OCNB.
OCNB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for OCNB.
Price Targets
Wall Street price target analysis for OCNB.
OCNB MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for OCNB; grades run from A+ (80-100) to F (below 30).
Leadership: Timothy Jon Schneider
Unknown
Without further information, a comprehensive profile cannot be created. Further research would be required to provide a detailed biography.
Track Record: Information on Timothy Jon Schneider's track record is not available in the provided data. Further research would be required to provide a detailed assessment of his performance as CEO.
OCNB OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Oconomowoc Bancshares may not meet the minimum financial standards or disclosure requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting and may not be subject to the same level of regulatory oversight as exchange-listed companies. This tier is often associated with higher risk and less liquidity compared to stocks traded on major exchanges like the NYSE or NASDAQ. Investors should exercise caution and conduct thorough due diligence before investing in OTC Other stocks.
- OTC Tier: OTC Other
- Limited financial disclosure
- Low trading volume and liquidity
- Higher price volatility
- Potential for fraud or manipulation
- Lack of regulatory oversight
- Verify the company's financial statements and SEC filings (if any)
- Research the background and experience of the management team
- Assess the company's business model and competitive landscape
- Evaluate the company's risk factors and potential liabilities
- Check for any legal or regulatory issues
- Consult with a financial advisor
- Understand the risks associated with OTC investing
- Operating history as Bank Five Nine
- Membership in banking associations
- Positive customer reviews (if available)
- Physical presence in Oconomowoc, Wisconsin
- FDIC insurance coverage
OCNB Financial Services Stock FAQ
Is OCNB a good stock?
Stock Expert AI does not rate OCNB buy, sell or hold. Oconomowoc Bancshares, Inc. has no MoonshotScore yet; read the financial checkup, analyst consensus and risks directly. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What do analysts say about OCNB stock?
As of March 16, 2026, there is no readily available analyst coverage for OCNB due to its OTC market listing and smaller market capitalization. Key valuation metrics include a market cap of $10.7M, a profit margin of 20.8%, and an ROE of 10.7%.
What are the key factors to evaluate for OCNB?
Evaluate OCNB on fundamentals, analyst consensus, and risk factors. Oconomowoc Bancshares, Inc. presents a mixed investment case. Not financial advice.
How frequently does OCNB data refresh on this page?
OCNB's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals follow quarterly filings. V2 calculations are scheduled daily at 10:15 UTC; the score's own date shows its last successful run.
What has driven OCNB's recent stock price performance?
Oconomowoc Bancshares, Inc. (OCNB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in southeastern Wisconsin. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider OCNB overvalued or undervalued right now?
Oconomowoc Bancshares, Inc. (OCNB) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of OCNB?
Yes, most major brokerages offer fractional shares of Oconomowoc Bancshares, Inc. (OCNB) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track OCNB's earnings and financial reports?
Oconomowoc Bancshares, Inc. (OCNB) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for OCNB earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- Information is based on available data and may be limited due to the company's OTC listing.