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Oconee Federal Financial
(OTC:OFED)
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Rating:62Neutral
Price Target:
$21.00
▲(23.17% Upside)
Action:Reiterated
Date:05/22/26
The score is driven primarily by stable but mixed financial performance (stronger balance sheet offset by margin pressure and uneven revenue trends). Technicals show a strong uptrend, but extremely overbought readings increase near-term risk. Valuation is moderate-to-stretched with only a modest dividend yield.
Positive Factors
Balance Sheet Strength
A declining debt-to-equity ratio and healthy equity ratio improve financial flexibility and loss-absorption capacity. Over a 2-6 month horizon this supports continued lending, reduces funding risk, and gives management room to withstand credit stress without immediate capital raises.
Negative Factors
Margin Compression
Declining gross and net margins point to compressed interest spreads or rising operating costs. If margins remain pressured over several quarters, retained earnings growth slows, limiting capital accumulation and constraining the bank's ability to expand loans or invest in technology.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance Sheet Strength
A declining debt-to-equity ratio and healthy equity ratio improve financial flexibility and loss-absorption capacity. Over a 2-6 month horizon this supports continued lending, reduces funding risk, and gives management room to withstand credit stress without immediate capital raises.
Read all positive factors
Oconee Federal Financial (OFED) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$110.78M
Dividend Yield2.06%
Average Volume (3M)175.00
Price to Earnings (P/E)23.2
Beta (1Y)0.40
Revenue Growth2.35%
EPS Growth12.44%
CountryUS
Employees79
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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 Cap1.06
Enterprise Value/Revenue6.20
Enterprise Value/Gross Profit7.49
Enterprise Value/Ebitda22.72
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
Oconee Federal Financial Business Overview & Revenue Model
Company Description
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 north...
How the Company Makes Money
OFED primarily makes money through its banking subsidiary by earning net interest income and generating noninterest income. Net interest income is the spread between (1) interest and fees earned on loans and other interest-earning assets (such as ...
Oconee Federal Financial Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
70
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 19.02M | 29.59M | 25.48M | 20.58M | 17.70M | 18.36M |
| Gross Profit | 15.75M | 17.35M | 13.49M | 15.71M | 16.61M | 16.54M |
| EBITDA | 5.19M | 5.95M | 7.43M | 5.19M | 6.72M | 7.04M |
| Net Income | 3.35M | 4.24M | 6.25M | 3.35M | 4.10M | 4.07M |
Balance Sheet | ||||||
| Total Assets | 595.40M | 668.19M | 665.60M | 595.40M | 544.79M | 543.72M |
| Cash, Cash Equivalents and Short-Term Investments | 140.41M | 122.83M | 128.18M | 140.41M | 161.03M | 169.66M |
| Total Debt | 46.00M | 35.75M | 55.95M | 46.00M | 9.00M | 15.00M |
| Total Liabilities | 523.62M | 583.91M | 586.83M | 523.62M | 469.54M | 455.62M |
| Stockholders Equity | 71.79M | 84.28M | 78.77M | 71.79M | 75.26M | 88.10M |
Cash Flow | ||||||
| Free Cash Flow | 5.96M | 3.68M | 926.00K | 5.96M | 5.49M | 4.67M |
| Operating Cash Flow | 6.33M | 4.09M | 1.02M | 6.33M | 5.71M | 4.93M |
| Investing Cash Flow | -58.09M | 4.23M | -11.95M | -58.09M | -37.51M | -34.27M |
| Financing Cash Flow | 49.32M | -6.06M | 21.71M | 49.32M | 10.88M | 25.41M |
Oconee Federal Financial Technical Analysis
Positive
17.05
Price Trends
18.51
Positive
16.96
Positive
16.22
Positive
Market Momentum
0.27
Negative
63.40
Neutral
78.44
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OFED, the sentiment is Positive. The current price of 17.05 is below the 20-day moving average (MA) of 18.43, below the 50-day MA of 18.51, and above the 200-day MA of 16.22, indicating a bullish trend. The MACD of 0.27 indicates Negative momentum. The RSI at 63.40 is Neutral, neither overbought nor oversold. The STOCH value of 78.44 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OFED.
Oconee Federal Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $92.92M | 11.46 | 8.78% | 4.16% | 4.30% | 20.85% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $90.93M | 15.26 | 5.95% | ― | -5.51% | ― | |
62 Neutral | $110.78M | 23.20 | 5.20% | 2.35% | 2.35% | 12.44% | |
56 Neutral | $102.54M | -25.68 | -3.21% | 2.86% | -4.84% | -557.25% |
* Financial Sector Average
OFED
Oconee Federal Financial
19.95
7.74
63.46%
AUBN
Auburn National Bancorporation
26.01
-0.83
-3.08%
PBHC
Pathfinder Bancorp
16.05
1.42
9.73%
SSBI
Summit State Bank
13.58
1.83
15.57%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.