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OCONEE FEDERAL FINANCIAL COR (OFED) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:OFED - US6756071055 - Common Stock

13.52 USD
-1.61 (-10.61%)
Last: 7/31/2023, 8:00:02 PM
Fundamental Rating

2

Overall OFED gets a fundamental rating of 2 out of 10. We evaluated OFED against 388 industry peers in the Banks industry. OFED scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. OFED does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

OFED had positive earnings in the past year.
OFED had a positive operating cash flow in the past year.
OFED had positive earnings in each of the past 5 years.
In the past 5 years OFED always reported a positive cash flow from operatings.
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

OFED has a Return On Assets of 0.70%. This is amonst the worse of the industry: OFED underperforms 80.62% of its industry peers.
With a Return On Equity value of 5.58%, OFED is not doing good in the industry: 90.19% of the companies in the same industry are doing better.
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 has a worse Profit Margin (23.87%) than 69.86% of its industry peers.
OFED's Profit Margin has declined in the last couple of years.
OFED does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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.
OFED has about the same amout of shares outstanding than it did 1 year ago.
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

OFED has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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.
Measured over the past years, OFED shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.06% on average per year.
OFED shows a small growth in Revenue. In the last year, the Revenue has grown by 2.64%.
OFED shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.14% yearly.
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.
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's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.92.
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of OFED indicates a slightly more expensive valuation: OFED is more expensive than 79.90% of the companies listed 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

OFED has a Yearly Dividend Yield of 3.08%.
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 2.74, OFED has a dividend in line with its industry peers.
OFED's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
Industry RankSector Rank
Dividend Yield 3.08%

5.2 History

The dividend of OFED decreases each year by -1.48%.
OFED has been paying a dividend for at least 10 years, so it has a reliable track record.
OFED has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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

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 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
Revenue(TTM)17.20M
Net Income(TTM)4.11M
Analysts0
Price TargetN/A
Short Float %0.29%
Short Ratio0.98
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 of OCONEE FEDERAL FINANCIAL COR (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.


Can you provide the PE and PB ratios for OFED stock?

The Price/Earnings (PE) ratio for OCONEE FEDERAL FINANCIAL COR (OFED) is 18.52 and the Price/Book (PB) ratio is 1.03.


Can you provide the financial health for OFED stock?

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