Oconee Federal Financial (OFED)
OTHER OTC:OFED
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Oconee Federal Financial
(OTC:OFED)
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Rating:68Neutral
Price Target:
$18.50
▲(8.50% Upside)
Action:ReiteratedDate:10/02/25
Oconee Federal Financial's overall stock score is driven by a stable financial performance and strong technical indicators. The financial position is solid, though there are concerns about margin pressure and inconsistent revenue growth. Technical analysis shows bullish momentum, but caution is advised due to overbought signals. Valuation metrics indicate the stock is fairly valued, with a moderate dividend yield offering additional appeal.
Positive Factors
Strong balance sheet
Improved leverage and a healthy equity ratio provide lasting financial resilience for a regional bank. This strengthens capital adequacy, supports credit growth and regulatory buffers, and gives management flexibility to fund loans, absorb losses, and invest in operations over the next several quarters.
Negative Factors
Inconsistent revenue growth
Recent negative revenue trends signal structural headwinds such as weaker loan demand or competitive pricing pressure in core markets. Persistent top-line contraction can limit the bank's ability to expand margins, invest in technology, and grow shareholder returns over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong balance sheet
Improved leverage and a healthy equity ratio provide lasting financial resilience for a regional bank. This strengthens capital adequacy, supports credit growth and regulatory buffers, and gives management flexibility to fund loans, absorb losses, and invest in operations over the next several quarters.
Read all positive factors
Oconee Federal Financial (OFED) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$90.44M
Dividend Yield2.35%
Average Volume (3M)175.00
Price to Earnings (P/E)21.5
Beta (1Y)0.31
Revenue Growth-4.10%
EPS Growth-32.34%
CountryUS
Employees79
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.20
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 Cap1.10
Enterprise Value/Revenue5.22
Enterprise Value/Gross Profit6.30
Enterprise Value/Ebitda23.86
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. operates as a holding company for Oconee Federal Savings and Loan Association that provides various banking products and services in the Oconee County area of northwestern South Carolina and the northeast area of Geo...
How the Company Makes Money
Oconee Federal Financial generates revenue through various streams, primarily by earning interest on loans and mortgage products that it issues to customers. The company collects interest on personal loans, home equity loans, and commercial loans,...
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 | 4.16M | 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
15.38
Positive
15.57
Negative
14.57
Positive
Market Momentum
-0.03
Negative
53.50
Neutral
41.55
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 above the 20-day moving average (MA) of 15.40, above the 50-day MA of 15.38, and above the 200-day MA of 14.57, indicating a bullish trend. The MACD of -0.03 indicates Negative momentum. The RSI at 53.50 is Neutral, neither overbought nor oversold. The STOCH value of 41.55 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 |
|---|---|---|---|---|---|---|---|
68 Neutral | $89.47M | 11.51 | 6.89% | ― | -0.81% | -129.22% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
68 Neutral | $90.44M | 21.53 | 5.20% | 2.35% | -4.10% | -32.34% | |
66 Neutral | $81.03M | 12.98 | 8.27% | 4.16% | 24.17% | 739.42% | |
51 Neutral | $82.62M | -25.99 | -2.75% | 2.86% | 0.84% | ― |
* Financial Sector Average
OFED
Oconee Federal Financial
15.49
3.63
30.63%
AUBN
Auburn National Bancorporation
23.19
3.50
17.78%
PBHC
Pathfinder Bancorp
13.21
-1.91
-12.62%
SSBI
Summit State Bank
13.40
5.04
60.29%
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.