OCONEE FEDERAL FINANCIAL COR (OFED) Fundamental Analysis & Valuation

NASDAQ:OFED • US6756071055

Current stock price

13.52 USD
-1.61 (-10.61%)
Last:

This OFED fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. OFED Profitability Analysis

1.1 Basic Checks

  • In the past year OFED was profitable.
  • In the past year OFED had a positive cash flow from operations.
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

  • 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 2016 2017 2018 2019 2020 2021 2022 2 4 6

1.3 Margins

  • OFED has a Profit Margin of 23.87%. This is in the lower half of the industry: OFED underperforms 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 2016 2017 2018 2019 2020 2021 2022 10 20 30

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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.
  • OFED has about the same amout of shares outstanding than it did 1 year ago.
  • 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.
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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1

3. OFED Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 5.47% over the past year.
  • OFED shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.06% yearly.
  • Looking at the last year, OFED shows a small growth in Revenue. The Revenue has grown by 2.64% in the last year.
  • 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 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

  • Based on the Price/Earnings ratio of 18.52, the valuation of OFED can be described as rather expensive.
  • Based on the Price/Earnings ratio, OFED is valued expensively inside the industry as 89.71% of the companies are valued cheaper.
  • Compared to an average S&P500 Price/Earnings ratio of 26.21, OFED is valued a bit cheaper.
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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. OFED Dividend Analysis

5.1 Amount

  • OFED has a Yearly Dividend Yield of 3.08%.
  • 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.
  • Compared to an average industry Dividend Yield of 2.73, OFED has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, 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.
  • 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 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 Fundamental Analysis 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.


What is the profitability of OFED stock?

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


What are the PE and PB ratios of OCONEE FEDERAL FINANCIAL COR (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.