OCONEE FEDERAL FINANCIAL COR (OFED) Fundamental Analysis & Valuation

NASDAQ:OFED • US6756071055

13.52 USD
-1.61 (-10.61%)
Last: Jul 31, 2023, 08:00 PM
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This OFED fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

2

Taking everything into account, OFED scores 2 out of 10 in our fundamental rating. OFED was compared to 381 industry peers in the Banks industry. While OFED seems to be doing ok healthwise, there are quite some concerns on its profitability. OFED has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

1

1. OFED Profitability Analysis

1.1 Basic Checks

  • In the past year OFED was profitable.
  • OFED had a positive operating cash flow in the past year.
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 2016 2017 2018 2019 2020 2021 2022 2M 4M 6M 8M

1.2 Ratios

  • With a Return On Assets value of 0.70%, OFED is not doing good in the industry: 80.62% of the companies in the same industry are doing better.
  • OFED has a worse Return On Equity (5.58%) than 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 2016 2017 2018 2019 2020 2021 2022 2 4 6

1.3 Margins

  • With a Profit Margin value of 23.87%, OFED is not doing good in the industry: 69.86% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of OFED has declined.
  • 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 2016 2017 2018 2019 2020 2021 2022 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. OFED Health Analysis

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 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 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 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 2016 2017 2018 2019 2020 2021 2022 200K 400K 600K 800K 1M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. OFED Growth Analysis

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.
  • The Revenue has been growing slightly by 2.64% in the past year.
  • Measured over the past years, OFED shows a decrease in Revenue. The Revenue has been decreasing by -1.14% on average per year.
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 2015 2016 2017 2018 2019 2020 2021 2022 5M 10M 15M

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1

4. OFED Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 18.52 indicates a rather expensive valuation of OFED.
  • Compared to the rest of the industry, the Price/Earnings ratio of OFED indicates a rather expensive valuation: OFED more expensive than 89.71% of the companies listed in the same industry.
  • OFED is valuated rather cheaply when we compare the Price/Earnings ratio to 26.45, which is the current average of the S&P500 Index.
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

  • 79.90% of the companies in the same industry are cheaper than OFED, based on the Price/Free Cash Flow ratio.
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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. OFED Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.08%, OFED has a reasonable but not impressive dividend return.
  • The stock price of OFED dropped by -34.21% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • Compared to an average industry Dividend Yield of 2.86, OFED has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, OFED pays a better dividend.
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 2016 2017 2018 2019 2020 2021 2022 2023 0 0 0 0 0

5.3 Sustainability

  • OFED pays out 54.53% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The Dividend Rate of OFED has been decling, while earnings will also be 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 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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OFED Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)N/A
Inst Owners0.18%
Inst Owner Change-75.38%
Ins Owners5.16%
Ins Owner Change0%
Market Cap75.84M
Revenue(TTM)17.20M
Net Income(TTM)4.11M
Analysts0
Price TargetN/A
Short Float %0.34%
Short Ratio1.17
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
Graham NumberN/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
ROICexgc growth 3YN/A
ROICexgc 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%

OCONEE FEDERAL FINANCIAL COR / OFED FAQ

Can you provide the ChartMill fundamental rating for OCONEE FEDERAL FINANCIAL COR?

ChartMill assigns a fundamental rating of 2 / 10 to OFED.


What is the valuation status for OFED stock?

ChartMill assigns a valuation rating of 1 / 10 to OCONEE FEDERAL FINANCIAL COR (OFED). This can be considered as Overvalued.


Can you provide the profitability details for OCONEE FEDERAL FINANCIAL COR?

OCONEE FEDERAL FINANCIAL COR (OFED) has a profitability rating of 2 / 10.


How financially healthy is OCONEE FEDERAL FINANCIAL COR?

The financial health rating of OCONEE FEDERAL FINANCIAL COR (OFED) is 4 / 10.