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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

We assign a fundamental rating of 2 out of 10 to OFED. OFED was compared to 383 industry peers in the Banks industry. While OFED seems to be doing ok healthwise, there are quite some concerns on its profitability. OFED does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

1

1. Profitability

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

  • OFED has a worse Return On Assets (0.70%) than 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 worse Profit Margin (23.87%) than 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 2016 2017 2018 2019 2020 2021 2022 10 20 30

More info and screens

4

2. Health

2.1 Basic Checks

  • OFED does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for OFED remains at a similar level compared to 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

  • 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 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. Growth

3.1 Past

  • OFED shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.47%.
  • The Earnings Per Share has been decreasing by -5.06% on average over the past years.
  • 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 2015 2016 2017 2018 2019 2020 2021 2022 5M 10M 15M

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1

4. Valuation

4.1 Price/Earnings Ratio

  • OFED is valuated rather expensively with a Price/Earnings ratio of 18.52.
  • Based on the Price/Earnings ratio, OFED is valued more expensive than 89.71% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of OFED to the average of the S&P500 Index (26.94), we can say OFED is valued slightly 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 the industry average as 79.90% of the companies are valued more cheaply.
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

More info and screens

5

5. Dividend

5.1 Amount

  • OFED has a Yearly Dividend Yield of 3.08%. Purely for dividend investing, there may be better candidates out there.
  • 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 2.85.
  • Compared to an average S&P500 Dividend Yield of 1.83, 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 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 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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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 %0.4%
Short Ratio1.36
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.