A Business at a Glance
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Oconee Federal Financial Corp.
OFED
$121M
Mkt Cap
$21.50
+0.00%
Oconee Federal Financial Corp. (OFED) has a current P/E ratio of 29.1, compared to its historical median P/E of 27.5. The stock is currently considered Fair based on its historical valuation range.
Oconee Federal Financial Corp. (OFED) has a 5-year average return on invested capital (ROIC) of 4.4%. This is below average and may indicate limited pricing power.
Oconee Federal Financial Corp. (OFED) has a market capitalization of $142M. It is classified as a small-cap stock.
Yes, Oconee Federal Financial Corp. (OFED) pays a dividend with a trailing twelve-month yield of 1.58%. The company also returns capital through share buybacks, with a buyback yield of 0.46%.
Based on historical P/E analysis, Oconee Federal Financial Corp. (OFED) appears fair. The current P/E of 29.1 is 6% above its historical median of 27.5. The estimated fair value CAGR (P/E method) is 2.2%.
Oconee Federal Financial Corp. (OFED) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
Forward Looking Statements This annual report contains forward-looking statements, which can be identified by the use of such words as estimate, project, believe, intend, anticipate, plan, seek, expect and similar expressions. These forward-looking statements include, but are not limited to: ●statements of our goals, intentions and expectations; ●statements regarding our business plans and prospects and growth and operating strategies; ●statements regarding the asset quality of our loan and investment portfolios; and ●estimates of our risks and future costs and benefits. These forward-looking statements are based on our current beliefs and expectations and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control.
| Metric | TTM | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|
| Revenue | 17M | 18M | 19M | 21M | 21M | 19M |
| Net Income | 4.1M | 4.1M | 4.1M | 3.9M | 3.7M | 3.0M |
| EPS | $0.65 | $0.73 | $0.72 | $0.67 | $0.64 | $0.52 |
| Free Cash Flow | 5.2M | 5.5M | 4.7M | 3.2M | 3.6M | 5.7M |
| ROIC | 5.5% | 5.0% | 4.6% | 4.4% | 4.3% | 3.5% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.01 | 6.24 | 5.17 | 4.84 | 4.98 | 4.75 |
| Dividends/Share | $0.34 | $0.40 | $0.40 | $0.40 | $0.40 | $0.40 |
| Operating Income | 19K | 5.1M | 5.1M | 4.8M | 4.6M | 4.7M |
| Operating Margin | 0.1% | 28.1% | 27.5% | 23.0% | 22.4% | 25.3% |
| ROE | 5.6% | 5.0% | 4.6% | 4.4% | 4.3% | 3.5% |
| Shares Outstanding | 7M | 6M | 6M | 6M | 6M | 6M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 15M | 16M | 14M | 14M | 18M | 20M | 19M | 19M | 21M | 21M | 19M | 18M | 17M |
| Gross Margin | N/A | N/A | N/A | N/A | 0.0% | 0.0% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 2.6M | 2.9M | 3.4M | 3.6M | 5.3M | 6.3M | 6.3M | 6.6M | 6.9M | 6.4M | 6.7M | 6.8M | 3.2M |
| EBIT | 3.7M | 6.6M | 6.5M | 5.7M | 7.2M | 7.3M | 7.0M | 4.7M | 4.6M | 4.8M | 5.1M | 5.1M | 19K |
| Op. Margin | 23.9% | 42.0% | 44.9% | 41.9% | 41.0% | 35.7% | 36.3% | 25.3% | 22.4% | 23.0% | 27.5% | 28.1% | 0.1% |
| Net Income | 2.3M | 4.0M | 4.0M | 3.6M | 4.5M | 5.2M | 5.5M | 3.0M | 3.7M | 3.9M | 4.1M | 4.1M | 4.1M |
| Net Margin | 15.0% | 25.3% | 27.7% | 26.5% | 25.4% | 25.5% | 28.6% | 16.2% | 18.1% | 18.6% | 21.7% | 22.7% | 23.9% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -7K | 29K | 181K | 222K | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 3.3% | 4.9% | 5.0% | 4.7% | 5.7% | 6.3% | 6.4% | 3.5% | 4.3% | 4.4% | 4.6% | 5.0% | 5.5% |
| ROE | 3.3% | 4.9% | 5.0% | 4.7% | 5.7% | 6.3% | 6.4% | 3.5% | 4.3% | 4.4% | 4.6% | 5.0% | 5.6% |
| ROA | 0.6% | 1.1% | 1.1% | 1.0% | 1.1% | 1.1% | 1.1% | 0.6% | 0.7% | 0.7% | 0.8% | 0.8% | 0.7% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 4.1M | 5.2M | 6.2M | 4.5M | 5.7M | 8.1M | 6.1M | 6.4M | 5.4M | 5.1M | 4.9M | 5.7M | 5.3M |
| Free Cash Flow | 4.1M | 5.0M | 6.1M | 4.3M | 5.3M | 7.9M | 5.9M | 5.7M | 3.6M | 3.2M | 4.7M | 5.5M | 5.2M |
| Owner Earnings | 3.7M | 4.5M | 4.8M | 3.3M | 4.4M | 6.6M | 4.5M | 4.9M | 4.2M | 3.7M | 2.9M | 4.0M | 4.2M |
| CapEx | 15K | 153K | 70K | 152K | 435K | 204K | 195K | 669K | 1.8M | 1.8M | 258K | 214K | 171K |
| Maint. CapEx | 324K | 579K | 1.2M | 907K | 1.1M | 1.3M | 1.4M | 1.3M | 1.1M | 1.3M | 1.9M | 1.6M | 1.0M |
| Growth CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 663K | 543K | 0 | 0 | 0 |
| D&A | 324K | 579K | 1.2M | 907K | 1.1M | 1.3M | 1.4M | 1.3M | 1.1M | 1.3M | 1.9M | 1.6M | 1.0M |
| CapEx/OCF | 0.4% | 3.0% | 1.1% | 3.4% | N/A | N/A | 3.2% | 10.5% | 33.3% | 36.3% | 5.2% | 3.7% | 3.2% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 222K | 2.1M | 2.4M | 2.2M | 2.2M | 2.3M | 2.2M | 2.2M | 2.2M | 2.2M | 2.2M | 2.2M | 2.2M |
| Dividend Yield | 0.9% | 4.0% | 3.6% | 3.0% | N/A | N/A | 2.0% | 1.6% | 1.7% | 1.9% | 1.8% | 1.9% | 1.6% |
| Share Buybacks | 0 | 141K | 7.8M | 1.6M | 35K | 1.0M | 1.5M | 428K | 1.6M | 3.9M | 1.2M | 658K | 658K |
| Buyback Yield | N/A | 0.2% | 11.4% | 2.0% | 0.0% | 0.0% | 1.1% | 0.3% | 1.4% | 3.1% | 1.1% | 0.6% | 0.5% |
| Stock-Based Comp | 60K | 57K | 227K | 248K | 278K | 288K | 256K | 134K | 126K | 80K | 75K | 103K | 79K |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -7.0M |
| Cash & Equiv. | 61M | 48M | 38M | 12M | 26M | 28M | 21M | 9.9M | 37M | 35M | 31M | 9.7M | 7.7M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 685K |
| Debt/Equity | 3.67 | 3.55 | 3.86 | 3.68 | 4.88 | 4.69 | 4.60 | 4.75 | 4.98 | 4.84 | 5.17 | 6.24 | 0.01 |
| Interest Coverage | 1.7 | 3.1 | 4.0 | 4.8 | 0.0 | 0.0 | 6.3 | 3.6 | 2.3 | 2.2 | 3.8 | 5.7 | 0.0 |
| Equity | 80M | 83M | 76M | 77M | 81M | 85M | 86M | 85M | 88M | 88M | 88M | 75M | 74M |
| Total Assets | 374M | 378M | 370M | 361M | 475M | 486M | 481M | 488M | 528M | 516M | 544M | 545M | 588M |
| Total Liabilities | 294M | 295M | 294M | 284M | 395M | 400M | 395M | 403M | 440M | 427M | 456M | 470M | 515M |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 417K | 305K | 211K | 134K | 74K | 35K |
| Retained Earnings | 62M | 64M | 65M | 67M | 69M | 72M | 75M | 76M | 77M | 79M | 81M | 83M | 84M |
| Working Capital | N/A | N/A | N/A | N/A | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.81 | 0.65 | 0.67 | 0.64 | 0.78 | 0.90 | 0.95 | 0.52 | 0.64 | 0.67 | 0.72 | 0.73 | 0.65 |
| Owner EPS | 1.30 | 0.74 | 0.81 | 0.59 | 0.76 | 1.14 | 0.77 | 0.85 | 0.72 | 0.64 | 0.52 | 0.71 | 0.64 |
| Book Value | 28.26 | 13.62 | 12.78 | 13.70 | 14.12 | 14.76 | 14.83 | 14.58 | 15.22 | 15.33 | 15.64 | 13.43 | 11.14 |
| Cash Flow/Share | 1.43 | 0.85 | 1.04 | 0.79 | 1.00 | 1.41 | 1.06 | 1.10 | 0.94 | 0.88 | 0.87 | 1.02 | 0.78 |
| Dividends/Share | 0.08 | 0.30 | 0.40 | 0.40 | 0.40 | 0.40 | 0.40 | 0.40 | 0.40 | 0.40 | 0.40 | 0.40 | 0.34 |
| Shares Out. | 2.8M | 6.1M | 6.0M | 5.6M | 5.7M | 5.8M | 5.8M | 5.8M | 5.8M | 5.8M | 5.6M | 5.6M | 6.6M |
| Valuation | |||||||||||||
| P/E Ratio | 10.7 | 14.1 | 16.9 | 22.3 | N/A | N/A | 24.3 | 47.0 | 30.8 | 32.7 | 28.5 | 26.5 | 32.9 |
| P/FCF | 6.1 | 11.2 | 11.0 | 18.6 | N/A | N/A | 22.6 | 24.9 | 31.5 | 39.0 | 24.8 | 19.7 | 27.4 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 0.3 | 0.7 | 0.9 | 1.1 | N/A | N/A | 1.6 | 1.7 | 1.3 | 1.4 | 1.3 | 1.4 | 1.9 |
| Price/Sales | 2.4 | 4.2 | 5.5 | 6.2 | N/A | N/A | 6.3 | 8.3 | 7.5 | 6.8 | 7.3 | 7.0 | 8.3 |
| FCF Yield | 16.5% | 8.8% | 9.0% | 5.3% | N/A | N/A | 4.4% | 4.0% | 3.2% | 2.6% | 4.0% | 5.1% | 3.6% |
| Market Cap | 25M | 57M | 68M | 81M | 0 | 0 | 135M | 143M | 114M | 127M | 116M | 109M | 142M |
| Avg. Price | 8.73 | 8.54 | 11.19 | 13.27 | 0.00 | 0.00 | 19.33 | 24.13 | 22.01 | 19.91 | 21.78 | 21.16 | 21.50 |
| Year-End Price | 8.67 | 9.18 | 11.35 | 14.29 | 0.00 | 0.00 | 23.13 | 24.42 | 19.69 | 21.94 | 20.53 | 19.34 | 21.50 |
Oconee Federal Financial Corp. passes 2 of 9 quality checks, indicating weak fundamentals.
Oconee Federal Financial Corp. trades at 29.1x trailing earnings, compared to its 15-year median P/E of 27.5x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 23.3x vs a median of 23.7x. The company's 5-year average ROIC is 4.4%. Total shareholder yield (dividends + buybacks) is 2.0%. At current prices, the estimated annualized return to fair value is +6.1%.
Oconee Federal Financial Corp. (OFED) reported annual revenue of $18 million in its most recent fiscal year, based on SEC EDGAR filings.
Oconee Federal Financial Corp. (OFED) has a net profit margin of 22.7%. This is a strong margin indicating high profitability.
Oconee Federal Financial Corp. (OFED) generated $5 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Oconee Federal Financial Corp. (OFED) has a debt-to-equity ratio of 6.24. This indicates higher leverage, which may increase financial risk.
Oconee Federal Financial Corp. (OFED) reported earnings per share (EPS) of $0.73 in its most recent fiscal year.
Oconee Federal Financial Corp. (OFED) has a return on equity (ROE) of 5.0%. This indicates moderate shareholder returns.
The Ledger Terminal provides 12 years of financial data for Oconee Federal Financial Corp. (OFED), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Oconee Federal Financial Corp. (OFED) has a book value per share of $13.43, based on its most recent annual SEC filing.
No recent items.