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OCONEE FEDERAL FINANCIAL COR (OFED) Stock Fundamental Analysis

NASDAQ:OFED - Nasdaq - US6756071055 - Common Stock - Currency: USD

13.52  -1.61 (-10.61%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to OFED. OFED was compared to 395 industry peers in the Banks industry. The financial health of OFED is average, but there are quite some concerns on its profitability. OFED is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

OFED had positive earnings in the past year.
In the past year OFED had a positive cash flow from operations.
In the past 5 years OFED has always been profitable.
Each year in the past 5 years OFED had a positive operating cash flow.
OFED Yearly Net Income VS EBIT VS OCF VS FCFOFED Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2M 4M 6M 8M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.70%, OFED is doing worse than 80.62% of the companies in the same industry.
OFED has a Return On Equity of 5.58%. This is amonst the worse of the industry: OFED underperforms 90.19% of its industry peers.
Industry RankSector Rank
ROA 0.7%
ROE 5.58%
ROIC N/A
ROA(3y)0.75%
ROA(5y)0.71%
ROE(3y)4.81%
ROE(5y)4.44%
ROIC(3y)N/A
ROIC(5y)N/A
OFED Yearly ROA, ROE, ROICOFED Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2 4 6

1.3 Margins

OFED's Profit Margin of 23.87% is on the low side compared to the rest of the industry. OFED is outperformed by 69.86% of its industry peers.
OFED's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for OFED so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23.87%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.27%
PM growth 5Y-4.69%
GM growth 3YN/A
GM growth 5YN/A
OFED Yearly Profit, Operating, Gross MarginsOFED Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 10 20 30

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4

2. Health

2.1 Basic Checks

OFED does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, OFED has about the same amount of shares outstanding.
OFED has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
OFED Yearly Shares OutstandingOFED Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2M 4M 6M
OFED Yearly Total Debt VS Total AssetsOFED Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 100M 200M 300M 400M 500M

2.2 Solvency

There is no outstanding debt for OFED. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC8.53%
OFED Yearly LT Debt VS Equity VS FCFOFED Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 20M 40M 60M 80M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
OFED Yearly Current Assets VS Current LiabilitesOFED Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 200K 400K 600K 800K 1M

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1

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 5.47% over the past year.
The Earnings Per Share has been decreasing by -5.06% on average over the past years.
Looking at the last year, OFED shows a small growth in Revenue. The Revenue has grown by 2.64% in the last year.
The Revenue has been decreasing by -1.14% on average over the past years.
EPS 1Y (TTM)5.47%
EPS 3Y4.62%
EPS 5Y-5.06%
EPS Q2Q%-39.46%
Revenue 1Y (TTM)2.64%
Revenue growth 3Y0.05%
Revenue growth 5Y-1.14%
Sales Q2Q%-9.85%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
OFED Yearly Revenue VS EstimatesOFED Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 5M 10M 15M

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1

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 18.52 indicates a rather expensive valuation of OFED.
89.71% of the companies in the same industry are cheaper than OFED, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 24.95. OFED is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 18.52
Fwd PE N/A
OFED Price Earnings VS Forward Price EarningsOFED Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, OFED is valued a bit more expensive than 79.90% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.65
EV/EBITDA N/A
OFED Per share dataOFED EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.08%, OFED has a reasonable but not impressive dividend return.
In the last 3 months the price of OFED has falen by -34.21%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
OFED's Dividend Yield is comparable with the industry average which is at 3.42.
Compared to an average S&P500 Dividend Yield of 2.41, OFED pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.08%

5.2 History

The dividend of OFED decreases each year by -1.48%.
OFED has paid a dividend for at least 10 years, which is a reliable track record.
OFED has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-1.48%
Div Incr Years0
Div Non Decr Years11
OFED Yearly Dividends per shareOFED Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 0 0 0 0

5.3 Sustainability

54.53% of the earnings are spent on dividend by OFED. This is a bit on the high side, but may be sustainable.
OFED's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP54.53%
EPS Next 2YN/A
EPS Next 3YN/A
OFED Yearly Income VS Free CF VS DividendOFED Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2M 4M 6M
OFED Dividend Payout.OFED Dividend Payout, showing the Payout Ratio.OFED Dividend Payout.PayoutRetained Earnings

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OCONEE FEDERAL FINANCIAL COR

NASDAQ:OFED (7/31/2023, 8:00:02 PM)

13.52

-1.61 (-10.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-14 2022-11-14/amc
Earnings (Next)N/A N/A
Inst Owners0.18%
Inst Owner Change-75.38%
Ins Owners5.16%
Ins Owner Change0%
Market Cap75.84M
Analysts0
Price TargetN/A
Short Float %0.34%
Short Ratio1.16
Dividend
Industry RankSector Rank
Dividend Yield 3.08%
Yearly Dividend0.34
Dividend Growth(5Y)-1.48%
DP54.53%
Div Incr Years0
Div Non Decr Years11
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 18.52
Fwd PE N/A
P/S 4.41
P/FCF 14.65
P/OCF 14.19
P/B 1.03
P/tB 1.07
EV/EBITDA N/A
EPS(TTM)0.73
EY5.4%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.92
FCFY6.82%
OCF(TTM)0.95
OCFY7.05%
SpS3.07
BVpS13.12
TBVpS12.59
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.7%
ROE 5.58%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.87%
GM N/A
FCFM N/A
ROA(3y)0.75%
ROA(5y)0.71%
ROE(3y)4.81%
ROE(5y)4.44%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.27%
PM growth 5Y-4.69%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 16.47%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 126.04%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.53%
ROIC/WACCN/A
Cap/Depr(3y)55.95%
Cap/Depr(5y)75.2%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)111.08%
Profit Quality(5y)123.9%
High Growth Momentum
Growth
EPS 1Y (TTM)5.47%
EPS 3Y4.62%
EPS 5Y-5.06%
EPS Q2Q%-39.46%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.64%
Revenue growth 3Y0.05%
Revenue growth 5Y-1.14%
Sales Q2Q%-9.85%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y12.75%
FCF growth 3Y14.81%
FCF growth 5Y-1.52%
OCF growth 1Y10%
OCF growth 3Y1.62%
OCF growth 5Y-1.42%