Oconee Federal Financial (OFED)

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OFED

Oconee Federal Financial

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Oconee Federal Financial (OFED) Price & Analysis

29 Followers

OFED Stock Chart & Stats

$17.05

-$0.17(-1.34%)

At close: Jan 06 4:00 PM EST

$17.05

-$0.17(-1.34%)

Day’s Range― - ―

52-Week Range$11.86 - $20.95

Previous CloseN/A

Volume500.00

Average Volume (3M)175.00

Market Cap

$105.82M

Enterprise Value$124.36M

Total Cash (Recent Filing)$140.41M

Total Debt (Recent Filing)$46.00M

Price to Earnings (P/E)21.8

Beta0.39

Next Earnings

Aug 07, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield2.35%

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 Cap1.18

Enterprise Value/Revenue6.54

Enterprise Value/Gross Profit7.89

Enterprise Value/Ebitda29.88

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

Balance Sheet StrengthA healthy equity ratio and improving leverage provide durable loss-absorption capacity and regulatory resilience. This supports continued lending through economic cycles, underpins depositors' confidence, and reduces the need for costly external capital, helping preserve long-term franchise stability.

Earnings Growth TrendDouble-digit EPS growth indicates improving core profitability that can be reinvested in the business, used to build capital, or support dividends. Sustained EPS gains strengthen internal funding for loan growth and strategic initiatives, improving the firm's long-term financial flexibility.

Deposit-funded Business ModelA deposit-centric funding base is a structural competitive advantage for a community bank: it supplies relatively stable, low-cost funds to support real-estate lending, reduces reliance on volatile wholesale funding, and preserves net interest margin over time versus peers with weaker deposit franchises.

Bears Say

Margin CompressionDeclining gross and net margins erode long-term earnings power and limit retained earnings accumulation. Persistent margin pressure reduces the bank's ability to absorb credit losses, invest in distribution or tech, and sustain ROE without offsetting growth or efficiency gains.

Inconsistent Revenue GrowthVolatile and recently negative revenue growth undermines predictability of core earnings and complicates planning for loan origination and branch investment. Over time, inconsistent top-line performance can force higher-cost initiatives to drive growth, pressuring margins and returns.

Weak Operating Cash ConversionLow conversion of net income into operating cash flow constrains internal liquidity and limits the bank's ability to fund loan growth, dividends, or build reserves without tapping markets. This structural conversion shortfall raises resilience concerns under stress scenarios.

OFED FAQ

What was Oconee Federal Financial’s price range in the past 12 months?

Oconee Federal Financial lowest stock price was $11.86 and its highest was $20.95 in the past 12 months.

What is Oconee Federal Financial’s market cap?

Oconee Federal Financial’s market cap is $105.82M.

When is Oconee Federal Financial’s upcoming earnings report date?

Oconee Federal Financial’s upcoming earnings report date is Aug 07, 2026 which is in 58 days.

How were Oconee Federal Financial’s earnings last quarter?

Oconee Federal Financial released its earnings results on Apr 20, 2026. The company reported $0.194 earnings per share for the quarter, beating the consensus estimate of N/A by $0.194.

Is Oconee Federal Financial overvalued?

According to Wall Street analysts Oconee Federal Financial’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Oconee Federal Financial pay dividends?

Oconee Federal Financial pays a Quarterly dividend of $0.1 which represents an annual dividend yield of 2.35%. 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 $0.194 in its last earnings report, beating 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.