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Oconee Federal Financial
(OTC:OFED)
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Rating:55Neutral
Price Target:
$19.50
▼(-18.75% Downside)
Action:Reiterated
Date:09/24/26
Overall score reflects stable but less certain fundamentals (notably the sharp 2026 revenue drop and potentially non-recurring profitability signals) offset by improving leverage and decent cash flow tracking. The largest drag is weak technical momentum (below key moving averages with negative MACD), while valuation is neutral with a moderate P/E and modest dividend yield.
Positive Factors
Deleveraging and Capital Strength
Material deleveraging improves the bank’s capitalization and financial flexibility, providing a stronger cushion against credit or earnings volatility. A sizable equity base can also support continued lending and investment in customer services while reducing reliance on external funding.
Negative Factors
Sharp Revenue Contraction
A roughly 41% revenue decline is a significant deterioration in the bank’s top-line trajectory and raises questions about the durability of recent operating performance. Continued weakness could reduce the resources available for expenses, lending growth, and capital deployment over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Deleveraging and Capital Strength
Material deleveraging improves the bank’s capitalization and financial flexibility, providing a stronger cushion against credit or earnings volatility. A sizable equity base can also support continued lending and investment in customer services while reducing reliance on external funding.
Read all positive factors
Oconee Federal Financial (OFED) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$105.97M
Dividend Yield2%
Average Volume (3M)250.00
Price to Earnings (P/E)21.5
Beta (1Y)0.32
Revenue Growth4.30%
EPS Growth15.28%
CountryUS
Employees79
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.60
Shares Outstanding5,790,864
10 Day Avg. Volume495
30 Day Avg. Volume250
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 Cap1.15
Enterprise Value/Revenue6.39
Enterprise Value/Gross Profit7.72
Enterprise Value/Ebitda23.42
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 earns revenue through its banking subsidiary by (1) generating net interest income and (2) collecting noninterest income, net of operating costs and credit losses.
1) Net interest income (core driver): The bank takes in deposits (e...
Oconee Federal Financial Financial Statement Overview
Summary
Income Statement
54
Neutral
Balance Sheet
68
Positive
Cash Flow
64
Positive
| Breakdown | TTM | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 19.02M | 30.47M | 29.59M | 25.48M | 20.58M | 17.70M |
| Gross Profit | 15.75M | 18.75M | 17.35M | 13.49M | 15.71M | 16.61M |
| EBITDA | 5.19M | 6.71M | 5.95M | 7.43M | 5.19M | 6.72M |
| Net Income | 3.35M | 17.50M | 4.24M | 6.25M | 3.35M | 4.10M |
Balance Sheet | ||||||
| Total Assets | 595.40M | 677.58M | 668.19M | 665.60M | 595.40M | 544.79M |
| Cash, Cash Equivalents and Short-Term Investments | 140.41M | 4.36M | 122.83M | 128.18M | 140.41M | 161.03M |
| Total Debt | 46.00M | 19.75M | 35.75M | 55.95M | 46.00M | 9.00M |
| Total Liabilities | 523.62M | 589.08M | 583.91M | 586.83M | 523.62M | 469.54M |
| Stockholders Equity | 71.79M | 88.51M | 84.28M | 78.77M | 71.79M | 75.26M |
Cash Flow | ||||||
| Free Cash Flow | 5.96M | 5.35M | 3.68M | 926.00K | 5.96M | 5.49M |
| Operating Cash Flow | 6.33M | 6.32M | 4.09M | 1.02M | 6.33M | 5.71M |
| Investing Cash Flow | -58.09M | -15.93M | 4.23M | -11.95M | -58.09M | -37.51M |
| Financing Cash Flow | 49.32M | 2.17M | -6.06M | 21.71M | 49.32M | 10.88M |
Oconee Federal Financial Technical Analysis
Negative
24.00
Price Trends
20.52
Negative
19.57
Negative
17.60
Positive
Market Momentum
-0.78
Positive
33.11
Neutral
16.67
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OFED, the sentiment is Negative. The current price of 24 is above the 20-day moving average (MA) of 19.78, above the 50-day MA of 20.52, and above the 200-day MA of 17.60, indicating a neutral trend. The MACD of -0.78 indicates Positive momentum. The RSI at 33.11 is Neutral, neither overbought nor oversold. The STOCH value of 16.67 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
77 Outperform | $94.00M | 10.94 | 9.10% | 4.10% | 4.58% | 26.05% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
58 Neutral | $109.44M | -26.70 | -1.08% | 2.37% | -7.07% | -307.72% | |
55 Neutral | $105.97M | 21.55 | 19.95% | 2.00% | 4.30% | 15.28% | |
53 Neutral | $82.51M | 35.91 | 2.22% | 3.97% | -6.91% | ― |
* Financial Sector Average
OFED
Oconee Federal Financial
18.30
3.43
23.03%
AUBN
Auburn National Bancorporation
26.36
0.97
3.80%
PBHC
Pathfinder Bancorp
16.89
1.81
11.97%
SSBI
Summit State Bank
12.21
0.21
1.75%
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.