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Oconee Federal Financial (OFED) Price & Analysis

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OFED Stock Chart & Stats

$24.00

$1.55(7.77%)

At close: Jul 22 4:00 PM EDT

$24.00

$1.55(7.77%)

Day’s Range― - ―

52-Week Range$14.31 - $24.00

Previous CloseN/A

Volume500.00

Average Volume (3M)271.00

Market Cap

$119.87M

Enterprise Value$121.10M

Total Cash (Recent Filing)$140.41M

Total Debt (Recent Filing)$46.00M

Price to Earnings (P/E)23.3

Beta0.34

Next Earnings

Aug 06, 2027

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield1.77%

Share Statistics

EPS (TTM)0.60

Shares Outstanding5,790,864

10 Day Avg. Volume190

30 Day Avg. Volume271

Financial Highlights & Ratios

PEG Ratio1.38

Price to Book (P/B)4.12

Price to Sales (P/S)11.97

P/FCF Ratio68.15

Enterprise Value/Market Cap1.01

Enterprise Value/Revenue6.37

Enterprise Value/Gross Profit7.69

Enterprise Value/Ebitda23.33

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

DeleveragingMaterial deleveraging strengthens the company’s capitalization and reduces balance-sheet pressure relative to prior years. Lower leverage can improve resilience through changing credit conditions, preserve flexibility for lending, and support more stable long-term capital allocation.

Earnings QualityFree cash flow that consistently tracks net income provides evidence that reported profitability has generally been supported by cash generation. This improves earnings quality, supports internal funding of banking operations, and gives the company greater flexibility to manage capital needs.

Diversified Banking ModelA combination of branch-based and digital delivery, deposit gathering, and lending across residential, consumer, and business categories gives OFED multiple recurring banking activities. This diversified community-banking model can support customer retention and reduce reliance on one product line.

Bears Say

Revenue DeclineThe sharp 2026 revenue contraction represents a significant break from the company’s prior positive growth pattern and weakens confidence in near-term earnings durability. If sustained, lower revenue could constrain profitability, capital generation, and the resources available to support future lending growth.

Uncertain ProfitabilityProfitability metrics that jump to 100% across measures and diverge sharply from prior history create uncertainty about normalized earnings power. Potential one-time items or reporting classification effects make current returns less reliable as a guide to sustainable performance over the next several quarters.

Variable Cash ConversionAlthough free cash flow has generally tracked net income, inconsistent operating cash flow coverage indicates that cash conversion has not been steady. This variability can make internally generated funding less predictable and complicate capital planning during periods of weaker operating performance.

OFED FAQ

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

Oconee Federal Financial lowest stock price was $14.31 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 $119.87M.

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

Oconee Federal Financial’s upcoming earnings report date is Aug 06, 2027 which is in 282 days.

How were Oconee Federal Financial’s earnings last quarter?

Oconee Federal Financial released its earnings results on Oct 19, 2026. The company reported $0.266 earnings per share for the quarter.

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 1.77%. 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 5,790,864 shares outstanding.

What happened to Oconee Federal Financial’s price movement after its last earnings report?

Oconee Federal Financial reported an EPS of $0.266 in its last earnings report. 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.