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OFED Stock Chart & Stats
$24.00
$1.55(7.77%)
At close: 4:00 PM EDT
$24.00
$1.55(7.77%)
Day’s Range― - ―
52-Week Range$12.84 - $24.00
Previous CloseN/A
Volume500.00
Average Volume (3M)175.00
Market Cap
$140.12M
Enterprise Value$102.94
Total Cash (Recent Filing)$140.41M
Total Debt (Recent Filing)$46.00M
Price to Earnings (P/E)28.6
Beta0.35
Next Earnings
Oct 27, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.56%
Share Statistics
EPS (TTM)0.60
Shares Outstanding5,838,410
10 Day Avg. Volume140
30 Day Avg. Volume175
Financial Highlights & Ratios
PEG Ratio-0.49
Price to Book (P/B)0.84
Price to Sales (P/S)2.39
P/FCF Ratio19.21
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Strong Capital StructureThe balance sheet shows improving leverage management with a decreasing debt-to-equity ratio and a healthy equity ratio. This durable capital foundation supports lending capacity, regulatory resilience and loss absorption over multiple quarters, enabling steady business operations.
Solid Free Cash Flow GenerationFree cash flow strength and recent improvements indicate the bank can generate tangible cash from operations beyond accounting earnings. Reliable FCF supports reinvestment, dividend support and buffer for credit stress, providing lasting financial flexibility.
Operational Margins And EPS GrowthDespite margin headwinds, the company maintains reasonable EBIT/EBITDA margins and has delivered ~12.4% EPS growth, signaling operational efficiency and the ability to convert revenue into earnings. This drives sustainable profitability if cost control is maintained.
Bears Say
Declining Margins & Revenue InconsistencyReported declines in gross and net profit margins and uneven revenue trends suggest pressure on core profitability. If structural margin compression or inconsistent top-line growth persists, it can erode earnings power and weaken return metrics over the medium term.
Low Cash Conversion From IncomeA low operating cash flow to net income ratio indicates earnings are not fully converting into cash. Persistent weak cash conversion limits internal funding for loans, capital actions or cushions against credit shocks and raises reliance on balance sheet management.
Limited Scale And ConcentrationAs a small community bank concentrated in deposit-taking and residential/commercial real estate lending with ~79 employees, OFED faces limited revenue diversification and scale. This constrains marketing reach, product investment and competitive flexibility over time.
OFED FAQ
What was Oconee Federal Financial’s price range in the past 12 months?
Oconee Federal Financial lowest stock price was $12.84 and its highest was $24.00 in the past 12 months.
What is Oconee Federal Financial’s market cap?
Oconee Federal Financial’s market cap is $140.12M.
When is Oconee Federal Financial’s upcoming earnings report date?
Oconee Federal Financial’s upcoming earnings report date is Oct 27, 2026 which is in 61 days.
How were Oconee Federal Financial’s earnings last quarter?
Oconee Federal Financial released its earnings results on Aug 14, 2026. The company reported $0.23 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
Is Oconee Federal Financial overvalued?
According to Wall Street analysts Oconee Federal Financial’s price is currently Overvalued.
Does Oconee Federal Financial pay dividends?
Oconee Federal Financial pays a Quarterly dividend of $0.1 which represents an annual dividend yield of 1.56%. See more information on Oconee Federal Financial dividends here
What is Oconee Federal Financial’s EPS estimate?
Oconee Federal Financial’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Oconee Federal Financial have?
Oconee Federal Financial has 5,838,410 shares outstanding.
What happened to Oconee Federal Financial’s price movement after its last earnings report?
Oconee Federal Financial reported an EPS of $0.23 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went same 0%.
Which hedge fund is a major shareholder of Oconee Federal Financial?
Currently, no hedge funds are holding shares in OFED
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Oconee Federal Financial
Oconee Federal Financial Corp. acts as the parent company for Oconee Federal Savings and Loan Association, providing a comprehensive range of banking solutions and financial services. Its operational footprint spans the Oconee County area of northwestern South Carolina and the northeast region of Georgia. The institution offers diverse deposit products, including checking accounts (demand and NOW), money market accounts, savings accounts, certificates of deposit, and individual retirement accounts. Its robust loan portfolio encompasses residential mortgages for single-family and multi-family properties, home equity loans and credit lines, commercial real estate financing, construction and land development loans, commercial and industrial loans, agricultural lending, and various consumer loans. The company operates from its executive office and eight branch locations situated across Oconee and Pickens Counties in South Carolina, as well as Stephens and Rabun Counties in Georgia. Established in 1924 and headquartered in Seneca, South Carolina, Oconee Federal Financial Corp. functions as a subsidiary of Oconee Federal, MHC.
Technical Analysis
Ownership Overview
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Insiders
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Mutual Funds
0.20% Other Institutional Investors
99.80% Public Companies and
Individual Investors