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Oconee Federal Financial Corp. OFED
Financial Services - Banks - Regional - OTC - US
Watchlist
$ 12.2
0 %
$ 68.4 M
Market Cap
29.76
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 7, 2025.

The intrinsic value of one OFED stock under the worst case scenario is HIDDEN Compared to the current market price of 12.2 USD, Oconee Federal Financial Corp. is HIDDEN

OFED Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 7, 2025.

The intrinsic value of one OFED stock under the base case scenario is HIDDEN Compared to the current market price of 12.2 USD, Oconee Federal Financial Corp. is HIDDEN

OFED Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 7, 2025.

The intrinsic value of one OFED stock under the best case scenario is HIDDEN Compared to the current market price of 12.2 USD, Oconee Federal Financial Corp. is HIDDEN

OFED Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart OFED

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1M -2%
6M -17%
1Y -4%
3Y -84%
5Y -21%
All
$14.5$14.5$14.0$14.0$13.5$13.5$13.0$13.0$12.5$12.5$12.0$12.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
30.7 M REVENUE
46.30%
Growth Rates
1Year 46.30%
3Years 22.84%
5Years 12.88%
7Years 7.94%
10Years 9.74%
7.02 M OPERATING INCOME
175675.00%
Growth Rates
1Year 175675.00%
3Years 11.04%
5Years -3.02%
7Years -2.40%
10Years -0.21%
6.25 M NET INCOME
86.85%
Growth Rates
1Year 86.85%
3Years 15.42%
5Years 10.93%
7Years 1.78%
10Years 5.56%
1.02 M OPERATING CASH FLOW
-83.47%
Growth Rates
1Year -83.47%
3Years -40.90%
5Years -28.70%
7Years -22.63%
10Years -13.75%
-11.9 M INVESTING CASH FLOW
79.37%
Growth Rates
1Year 79.37%
3Years 29.62%
5Years -1.42%
7Years -16.01%
10Years 2.41%
21.7 M FINANCING CASH FLOW
-55.98%
Growth Rates
1Year -55.98%
3Years -5.11%
5Years -7.69%
7Years 23.80%
10Years 13.09%
7.11 M REVENUE
-12.71%
Growth Rates
1Year 46.30%
3Years 22.84%
5Years 12.88%
7Years 7.94%
10Years 9.74%
1.01 M OPERATING INCOME
-46.50%
Growth Rates
1Year 175675.00%
3Years 11.04%
5Years -3.02%
7Years -2.40%
10Years -0.21%
287 K NET INCOME
-54.30%
Growth Rates
1Year 86.85%
3Years 15.42%
5Years 10.93%
7Years 1.78%
10Years 5.56%
2 M OPERATING CASH FLOW
64.23%
Growth Rates
1Year -83.47%
3Years -40.90%
5Years -28.70%
7Years -22.63%
10Years -13.75%
-9.1 M INVESTING CASH FLOW
55.12%
Growth Rates
1Year 79.37%
3Years 29.62%
5Years -1.42%
7Years -16.01%
10Years 2.41%
6.73 M FINANCING CASH FLOW
-65.89%
Growth Rates
1Year -55.98%
3Years -5.11%
5Years -7.69%
7Years 23.80%
10Years 13.09%
Balance Sheet Oconee Federal Financial Corp.
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Current Assets 20.1 M
Cash & Short-Term Investments 0
Receivables 0
Other Current Assets 20.1 M
Non-Current Assets 646 M
Long-Term Investments 9.53 M
PP&E 8.72 M
Other Non-Current Assets 627 M
3.02 %94.24 %Total Assets$665.7m
Current Liabilities 74.3 M
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 74.3 M
Non-Current Liabilities 513 M
Long-Term Debt 56 M
Other Non-Current Liabilities 457 M
12.65 %9.53 %77.82 %Total Liabilities$586.9m
EFFICIENCY
Earnings Waterfall Oconee Federal Financial Corp.
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Revenue 30.7 M
Cost Of Revenue 0
Gross Profit 30.7 M
Operating Expenses 3.3 M
Operating Income 7.02 M
Other Expenses 773 K
Net Income 6.25 M
35m35m30m30m25m25m20m20m15m15m10m10m5m5m0031m031m(3m)7m(773k)6mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 100.00%
7Years 100.00%
10Years 100.00%
22.91% OPERATING MARGIN
22.91%
Averages
1Year 22.91%
3Years 19.99%
5Years 23.93%
7Years 29.72%
10Years 35.00%
20.39% NET MARGIN
20.39%
Averages
1Year 20.39%
3Years 20.34%
5Years 21.77%
7Years 21.34%
10Years 23.50%
7.93% ROE
7.93%
Averages
1Year 7.93%
3Years 6.01%
5Years 5.41%
7Years 4.97%
10Years 5.30%
0.94% ROA
0.94%
Averages
1Year 0.94%
3Years 0.75%
5Years 0.75%
7Years 0.73%
10Years 0.83%
1.11% ROIC
1.11%
Averages
1Year 1.11%
3Years 0.67%
5Years 1.00%
7Years 1.23%
10Years 1.23%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Oconee Federal Financial Corp.
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8m8m7m7m6m6m5m5m4m4m3m3m2m2m1m1m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 6.25 M
Depreciation & Amortization 551 K
Capital Expenditures -91 K
Stock-Based Compensation 0
Change in Working Capital -760 K
Others -6.01 M
Free Cash Flow 926 K
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Oconee Federal Financial Corp.
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OFED has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.1 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.50.50.40.40.30.30.30.30.30.30.20.20.10.10.10.10.10.10.00.00.10.10.10.10.10.10.10.10.10.10.10.10.10.10.10.10.10.10.10.10.10.10.10.10.10.10.10.10.10.10.10.10.400.10.400.10.400.10.400.10.400.10.400.10.400.10.400.10.400.10.400.102015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
6. Ownership
Insider Ownership Oconee Federal Financial Corp.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Oconee Federal Financial Corp. Announces Quarterly Dividend SENECA, S.C.--(BUSINESS WIRE)--Oconee Federal Financial Corp. (OTCQX: OFED) (the “Company”), the holding company for Oconee Federal Savings and Loan Association (“Oconee Federal”), announced today that the Board of Directors declared a quarterly cash dividend of $0.10 per share of the Company's common stock. The dividend will be payable to stockholders of record as of February 6, 2025, and will be paid on or about February 20, 2025. About Oconee Federal Oconee Federal Financial Corp. (OTCQX: OF. businesswire.com - 2 months ago
Oconee Federal Financial Corp. Announces Quarterly Financial Results SENECA, S.C.--(BUSINESS WIRE)--Oconee Federal Financial Corp. (OTCQX: OFED) (the “Company”), the holding company for Oconee Federal Savings and Loan Association (“Oconee Federal”), announced today net income of $978 thousand, or $0.17 per diluted share, for the quarter ended December 31, 2024, which was more than the net income of $320 thousand, or $0.06 per diluted share, for the quarter ended December 31, 2023. December 31, 2024 Quarter End Summary: Fifty-three consecutive quarterly dividends. businesswire.com - 3 months ago
Oconee Federal Financial Corp. Announces Quarterly Dividend SENECA, S.C.--(BUSINESS WIRE)--Oconee Federal Financial Corp. (OTCQX: OFED) (the “Company”), the holding company for Oconee Federal Savings and Loan Association (“Oconee Federal”), announced today that the Board of Directors declared a quarterly cash dividend of $0.10 per share of the Company's common stock. The dividend will be payable to stockholders of record as of November 7, 2024, and will be paid on or about November 21, 2024. About Oconee Federal Oconee Federal Financial Corp. (OTCQX: OF. businesswire.com - 5 months ago
Oconee Federal Financial Corp. Announces Quarterly Financial Results SENECA, S.C.--(BUSINESS WIRE)--Oconee Federal Financial Corp. (OTCQX: OFED) (the “Company”), the holding company for Oconee Federal Savings and Loan Association (“Oconee Federal”), announced today net income of $790 thousand, or $0.14 per diluted share, for the quarter ended September 30, 2024, which was more than the net income of $312 thousand, or $0.06 per diluted share, for the quarter ended September 30, 2023. September 30, 2024 Quarter End Summary: Fifty-two consecutive quarterly dividend. businesswire.com - 5 months ago
Oconee Federal Financial Corp. Announces Quarterly Financial Results SENECA, S.C.--(BUSINESS WIRE)--Oconee Federal Financial Corp. (OTCQX: OFED) (the “Company”), the holding company for Oconee Federal Savings and Loan Association (“Oconee Federal”), announced today net income of $3.9 million, or $0.57 per diluted share, for the quarter ended March 31, 2024, which was more than the net income of $628 thousand, or $0.11 per diluted share, for the quarter ended March 31, 2023. March 31, 2024 Quarter End Summary: Fifty consecutive quarterly dividends of $0.10 per sh. businesswire.com - 11 months ago
Oconee Federal Financial Corp. Announces Quarterly Dividend SENECA, S.C.--(BUSINESS WIRE)--Oconee Federal Financial Corp. (OTCQX: OFED) (the “Company”), the holding company for Oconee Federal Savings and Loan Association (“Oconee Federal”), announced today that the Board of Directors declared a quarterly cash dividend of $0.10 per share of the Company's common stock. The dividend will be payable to stockholders of record as of May 9, 2024, and will be paid on or about May 23, 2024. About Oconee Federal Oconee Federal Financial Corp. (OTCQX: OFED) is the. businesswire.com - 11 months ago
Oconee Federal Completes Acquisition of Mutual Savings Bank SENECA, S.C.--(BUSINESS WIRE)--Oconee Federal Financial Corp. (OTC: OFED) (“the Company”), the holding company for Oconee Federal Savings and Loan Association (“Oconee Federal”), and the majority-owned subsidiary of Oconee Federal, MHC (“the MHC”), has completed its acquisition of Mutual Savings Bank (“Mutual”). Mutual's office has become a branch office of Oconee Federal. As part of the transaction, the Company has issued 230,215 shares of its common stock to the MHC, or $3.2 million, which is. businesswire.com - 1 year ago
Oconee Federal Financial Corp. Announces Quarterly Dividend SENECA, S.C.--(BUSINESS WIRE)--Oconee Federal Financial Corp. (OTCQX: OFED) (the “Company”), the holding company for Oconee Federal Savings and Loan Association (“Oconee Federal”), announced today that the Board of Directors declared a quarterly cash dividend of $0.10 per share of the Company's common stock. The dividend will be payable to stockholders of record as of February 8, 2024, and will be paid on or about February 22, 2024. About Oconee Federal Oconee Federal Financial Corp. (OTCQX: OF. businesswire.com - 1 year ago
Oconee Federal Financial Corp. Announces Quarterly Financial Results SENECA, S.C.--(BUSINESS WIRE)--Oconee Federal Financial Corp. (OTCQX: OFED) (the “Company”), the holding company for Oconee Federal Savings and Loan Association (“Oconee Federal”), announced today net income of $320 thousand, or $0.06 per diluted share, for the quarter ended December 31, 2023, which was less than the net income of $1.1 million, or $0.20 per diluted share, for the quarter ended December 31, 2022. December 31, 2023 Quarter End Summary: Forty-nine consecutive quarterly dividends o. businesswire.com - 1 year ago
Oconee Federal Financial Corp. Announces Quarterly Dividend SENECA, S.C.--(BUSINESS WIRE)--Oconee Federal Financial Corp. (OTCQX: OFED) (the “Company”), the holding company for Oconee Federal Savings and Loan Association (“Oconee Federal”), announced today that the Board of Directors declared a quarterly cash dividend of $0.10 per share of the Company's common stock. The dividend will be payable to stockholders of record as of November 9, 2023, and will be paid on or about November 22, 2023. About Oconee Federal Oconee Federal Financial Corp. (OTCQX: OF. businesswire.com - 1 year ago
Oconee Federal Financial Corp. Announces Quarterly Financial Results SENECA, S.C.--(BUSINESS WIRE)--Oconee Federal Financial Corp. (OTCQX: OFED) (the “Company”), the holding company for Oconee Federal Savings and Loan Association (“Oconee Federal”), announced today net income of $312 thousand, or $0.06 per diluted share, for the quarter ended September 30, 2023, which was less than the net income of $1.3 million, or $0.24 per diluted share, for the quarter ended September 30, 2022. September 30, 2023 Quarter End Summary: Forty-eight consecutive quarterly dividen. businesswire.com - 1 year ago
Oconee Federal Financial Corp. Announces Annual Financial Results SENECA, S.C.--(BUSINESS WIRE)--Oconee Federal Financial Corp. (OTCQX: OFED) (the “Company”), the holding company for Oconee Federal Savings and Loan Association (“Oconee Federal”), announced today net income of $3.3 million, or $0.60 per diluted share, for the year ended June 30, 2023, which was less than the net income of $4.1 million, or $0.73 per diluted share, for the year ended June 30, 2022. June 30, 2023 Year End Summary: Forty-seven consecutive quarterly dividends of $0.10 per share sin. businesswire.com - 1 year ago
8. Profile Summary

Oconee Federal Financial Corp. OFED

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 68.4 M
Dividend Yield 0.00%
Description Oconee Federal Financial Corp. operates as a holding company for Oconee Federal Savings and Loan Association that provides various banking products and services in the Oconee County area of northwestern South Carolina and the northeast area of Georgia. It offers deposit products, including demand, NOW, money market, savings, certificates of deposit, and individual retirement accounts. The company's loan portfolio comprises one-to-four family and multi-family residential mortgage loans; home equity loans and lines of credit; nonresidential real estate loans; construction and land loans; commercial and industrial loans; agricultural loans; and consumer and other loans. It operates through its executive office and eight branch offices located in Oconee and Pickens Counties, South Carolina; and Stephens and Rabun Counties, Georgia. The company was founded in 1924 and is based in Seneca, South Carolina. Oconee Federal Financial Corp. operates as a subsidiary of Oconee Federal, MHC.
Contact 201 East North Second Street, Seneca, SC, 29678 https://www.oconeefederal.com
IPO Date Jan. 14, 2011
Employees 79
Officers Mr. Charles Todd Latiff Executive Vice President & Chief Banking Officer Ms. Cynthia H. Swafford Senior Vice President & Business Development Officer Mr. John W. Hobbs CPA Executive Vice President & Chief Financial Officer Sheila Alexander Senior Vice President & Deposit Services Manager of Seneca Main Annex Branch Mr. Harry B. Mays Jr. Secretary & Independent Director Mr. David H. Stafford Executive Vice President & Chief Operating Officer William C. Barker Senior Vice President & Senior Credit Officer of Seneca Main Annex Branch Ms. Jane S. Pitts Senior Vice President & Director of Special Projects of Toccoa Branch Mr. Curtis T. Evatt President, Chief Executive Officer & Director Lynn Payne Vice President & HR Manager