OFED
Oconee Federal Financial Corp.
Price Chart
Latest Quote
$18.00
+0.00 (+0.00%)
Current Price
| Previous Close | $18.00 |
| Open | $18.75 |
| Day High | $18.75 |
| Day Low | $18.75 |
| Volume | 100 |
Stock Information
| Quarterly Dividend / Yield | $0.40 / 2.22% |
| Shares Outstanding | 5.82M |
| Quarterly Dividend Yield | 2.22% |
| Quarterly Dividend | $0.40 |
| Total Debt | $46.00M |
| Cash Equivalents | $7.29M |
| Revenue | $16.07M |
| Net Income | $3.35M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $104.76M |
| P/E Ratio | 20.93 |
| EPS (TTM) | $0.86 |
| Exchange | OQX |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $139.67M |
| Sales | $16.07M |
| Income | $3.35M |
| Book/sh | $12.80 |
| Cash/sh | $1.25 |
Financial Ratios
| EPS Growth TTM | -72.70% |
Returns & Margins
| ROA | 0.59% |
| ROE | 4.55% |
| Operating Margin | 13.90% |
| Profit Margin | 20.84% |
Ownership
| Insider & Institutional transactions data not available |
Valuation Ratios
| P/S | 6.52 |
| P/B | 1.41 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $18.76 |
| SMA50 | $17.39 |
| SMA200 | $15.75 |
| ATR | 0.0786 |
| Shares Float | 5.49M |
| Short Float | 0.52% |
| Short Ratio | 1.76 |
| Volatility | -0.03 |
Performance History
| Week | -4.00% |
| Month | -5.51% |
| Quarter | +15.24% |
| 6 Months | +23.38% |
| YTD | +10.44% |
| Year | +52.73% |
| 3 Years | +29.88% |
| 5 Years | -20.65% |
| 10 Years | +11.58% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $18.00 | 0 |
| 2026-06-17 | $18.00 | 0 |
| 2026-06-16 | $18.00 | 200 |
| 2026-06-15 | $18.75 | 0 |
| 2026-06-12 | $18.75 | 0 |
| 2026-06-11 | $18.75 | 0 |
| 2026-06-10 | $18.75 | 0 |
| 2026-06-09 | $18.75 | 0 |
| 2026-06-08 | $18.75 | 0 |
| 2026-06-05 | $18.75 | 0 |
| 2026-06-04 | $18.75 | 0 |
| 2026-06-03 | $18.75 | 0 |
| 2026-06-02 | $18.75 | 200 |
| 2026-06-01 | $19.10 | 0 |
| 2026-05-29 | $19.10 | 0 |
| 2026-05-28 | $19.10 | 0 |
| 2026-05-27 | $19.10 | 400 |
| 2026-05-26 | $19.11 | 5,400 |
| 2026-05-22 | $19.05 | 0 |
| 2026-05-21 | $19.05 | 100 |
| 2026-05-20 | $19.05 | 0 |
| 2026-05-19 | $19.05 | 0 |
About Oconee Federal Financial Corp.
Oconee Federal Financial Corp. operates as a holding company for Oconee Federal Savings and Loan Association that provides various banking products and services in the Oconee and Pickens County areas of northwestern South Carolina, and the northeast area of Georgia in Stephens County and Rabun County. It offers deposit products, including demand, money market, NOW, savings, and individual retirement accounts, as well as certificates of deposit. The company's loan portfolio comprises one-to-four family residential and multi-family real estate loans; home equity loans and lines of credit; nonresidential real estate loans; mortgage loans; construction and land loans; commercial and industrial loans; agricultural loans; and consumer and other loans, such as installment loans for various consumer purposes, including the purchase of automobiles, boats, and other legitimate personal purposes. Oconee Federal Financial Corp. was founded in 1924 and is based in Seneca, South Carolina. Oconee Federal Financial Corp. operates as a subsidiary of Oconee Federal, MHC.
Period:
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Income Statement (Annual)
| Metric | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $17,470,000 | $13,647,000 | $15,855,000 | $16,613,000 |
| Operating Revenue | $17,470,000 | $13,647,000 | $15,855,000 | $16,613,000 |
| Expenses | ||||
| Interest Expense | $12,123,000 | $11,833,000 | $4,723,000 | $1,087,000 |
| Selling And Marketing Expense | $178,000 | $141,000 | $227,000 | $262,000 |
| General And Administrative Expense | $7,395,000 | $7,128,000 | $6,773,000 | $6,916,000 |
| Professional Expense And Contract Services Expense | $456,000 | $449,000 | $470,000 | $478,000 |
| Other Non Interest Expense | $1,882,000 | $1,889,000 | $2,088,000 | $1,956,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $4,243,000 | $6,255,000 | $3,349,000 | $4,099,000 |
| Net Interest Income | $15,634,000 | $12,302,000 | $14,573,000 | $15,338,000 |
| Interest Income | $27,757,000 | $24,135,000 | $19,296,000 | $16,425,000 |
| Normalized Income | $4,243,000 | $1,986,575 | $3,368,831 | $4,099,000 |
| Net Income From Continuing And Discontinued Operation | $4,243,000 | $6,255,000 | $3,349,000 | $4,099,000 |
| Net Income Common Stockholders | $4,241,000 | $6,250,000 | $3,345,000 | $4,092,000 |
| Net Income | $4,243,000 | $6,255,000 | $3,349,000 | $4,099,000 |
| Net Income Including Noncontrolling Interests | $4,243,000 | $6,255,000 | $3,349,000 | $4,099,000 |
| Net Income Continuous Operations | $4,243,000 | $6,255,000 | $3,349,000 | $4,099,000 |
| Pretax Income | $5,445,000 | $6,694,000 | $4,222,000 | $5,072,000 |
| Special Income Charges | $0 | $4,568,000 | $-25,000 | $0 |
| Per Share | ||||
| Diluted EPS | - | $1.10 | $0.60 | $0.73 |
| Basic EPS | - | $1.10 | $0.60 | $0.73 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $299,575 | $-5,169 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $0 | $4,568,000 | $-25,000 | $0 |
| Total Unusual Items Excluding Goodwill | $0 | $4,568,000 | $-25,000 | $0 |
| Reconciled Depreciation | $503,000 | $734,000 | $969,000 | $1,645,000 |
| Diluted NI Availto Com Stockholders | $4,241,000 | $6,250,000 | $3,345,000 | $4,092,000 |
| Otherunder Preferred Stock Dividend | $2,000 | $5,000 | $4,000 | $7,000 |
| Tax Provision | $1,202,000 | $439,000 | $873,000 | $973,000 |
| Restructuring And Mergern Acquisition | $0 | $-4,568,000 | $25,000 | $0 |
| Gain On Sale Of Security | $561,000 | $75,000 | $-83,000 | $-83,000 |
| Selling General And Administration | $7,573,000 | $7,269,000 | $7,000,000 | $7,178,000 |
| Other Gand A | $159,000 | $195,000 | - | $1,204,000 |
| Insurance And Claims | $324,000 | $280,000 | $202,000 | $141,000 |
| Salaries And Wages | $6,912,000 | $6,653,000 | $6,571,000 | $6,775,000 |
| Occupancy And Equipment | $1,996,000 | $1,754,000 | $1,900,000 | $1,929,000 |
| Diluted Average Shares | - | $5,698,773 | $5,601,941 | $5,582,931 |
| Basic Average Shares | - | $5,698,773 | $5,599,455 | $5,578,186 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $81,365,000 | $75,777,000 | $68,817,000 | $72,245,000 |
| Total Assets | $668,187,000 | $665,603,000 | $595,405,000 | $544,792,000 |
| Goodwill And Other Intangible Assets | $2,915,000 | $2,994,000 | $2,972,000 | $3,012,000 |
| Other Intangible Assets | $322,000 | $401,000 | $379,000 | $419,000 |
| Receivables | $2,086,000 | $2,041,000 | $1,602,000 | $1,412,000 |
| Other Receivables | $369,000 | $399,000 | $410,000 | $468,000 |
| Accounts Receivable | $1,717,000 | $1,642,000 | $1,192,000 | $944,000 |
| Cash And Cash Equivalents | $20,321,000 | $18,063,000 | $7,164,000 | $9,733,000 |
| Cash Financial | $4,122,000 | $12,235,000 | $4,655,000 | $2,327,000 |
| Cash Cash Equivalents And Federal Funds Sold | $23,063,000 | $21,777,000 | $10,115,000 | $10,922,000 |
| Debt | ||||
| Net Debt | $15,429,000 | $37,887,000 | $38,836,000 | - |
| Total Debt | $35,750,000 | $55,950,000 | $46,000,000 | $9,000,000 |
| Long Term Debt And Capital Lease Obligation | $35,750,000 | $4,750,000 | $46,000,000 | $9,000,000 |
| Long Term Debt | $35,750,000 | $4,750,000 | $46,000,000 | $9,000,000 |
| Current Debt And Capital Lease Obligation | $0 | $51,200,000 | - | - |
| Current Debt | $0 | $51,200,000 | - | - |
| Other Current Borrowings | $0 | $51,200,000 | - | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $583,907,000 | $586,832,000 | $523,616,000 | $469,535,000 |
| Payables And Accrued Expenses | - | - | - | $853,000 |
| Payables | - | - | - | $853,000 |
| Accounts Payable | - | - | - | $853,000 |
| Equity | ||||
| Common Stock Equity | $84,280,000 | $78,771,000 | $71,789,000 | $75,257,000 |
| Total Equity Gross Minority Interest | $84,280,000 | $78,771,000 | $71,789,000 | $75,257,000 |
| Stockholders Equity | $84,280,000 | $78,771,000 | $71,789,000 | $75,257,000 |
| Gains Losses Not Affecting Retained Earnings | $-13,997,000 | $-17,708,000 | $-18,286,000 | $-13,588,000 |
| Other Equity Adjustments | $-13,997,000 | $-17,708,000 | $-18,286,000 | $-13,588,000 |
| Retained Earnings | $88,954,000 | $87,046,000 | $83,897,000 | $82,790,000 |
| Other Equity Interest | - | - | - | $-56,000 |
| Other | ||||
| Treasury Shares Number | $1,012,149 | $998,453 | - | $997,380 |
| Ordinary Shares Number | $5,824,714 | $5,838,410 | $5,609,268 | $5,607,729 |
| Share Issued | $6,836,863 | $6,836,863 | $5,609,268 | $6,605,109 |
| Tangible Book Value | $81,365,000 | $75,777,000 | $68,817,000 | $72,245,000 |
| Invested Capital | $120,030,000 | $134,721,000 | $117,789,000 | $84,257,000 |
| Total Capitalization | $120,030,000 | $83,521,000 | $117,789,000 | $84,257,000 |
| Treasury Stock | $10,000 | $10,000 | $10,000 | $10,000 |
| Additional Paid In Capital | $9,265,000 | $9,375,000 | $6,122,000 | $6,055,000 |
| Capital Stock | $68,000 | $68,000 | $66,000 | $66,000 |
| Common Stock | $68,000 | $68,000 | $66,000 | $66,000 |
| Investments And Advances | $103,184,000 | $110,230,000 | $133,248,000 | $151,299,000 |
| Available For Sale Securities | $671,000 | $110,000 | - | - |
| Goodwill | $2,593,000 | $2,593,000 | $2,593,000 | $2,593,000 |
| Net PPE | $8,392,000 | $8,715,000 | $8,412,000 | $8,579,000 |
| Accumulated Depreciation | $-7,274,000 | $-7,298,000 | $-6,786,000 | $-6,350,000 |
| Gross PPE | $15,666,000 | $16,013,000 | $15,198,000 | $14,929,000 |
| Machinery Furniture Equipment | $2,594,000 | $2,857,000 | $2,733,000 | $2,509,000 |
| Buildings And Improvements | $10,529,000 | $10,578,000 | $10,027,000 | $9,982,000 |
| Land And Improvements | $2,543,000 | $2,578,000 | $2,438,000 | $2,438,000 |
| Other Short Term Investments | $102,513,000 | $110,120,000 | $133,248,000 | $151,299,000 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $3,677,000 | $956,000 | $5,955,000 | $5,494,000 |
| Operating Activities | ||||
| Operating Cash Flow | $4,086,000 | $1,047,000 | $6,330,000 | $5,708,000 |
| Cash Flow From Continuing Operating Activities | $4,086,000 | $1,047,000 | $6,330,000 | $5,708,000 |
| Operating Gains Losses | $-219,000 | $-86,000 | $-180,000 | $-273,000 |
| Investing Activities | ||||
| Capital Expenditure | $-409,000 | $-91,000 | $-375,000 | $-214,000 |
| Investing Cash Flow | $4,226,000 | $-11,978,000 | $-58,090,000 | $-37,506,000 |
| Cash Flow From Continuing Investing Activities | $4,226,000 | $-11,978,000 | $-58,090,000 | $-37,506,000 |
| Net Other Investing Changes | $963,000 | $-485,000 | $-1,487,000 | $219,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-178,000 | $-14,000 | $0 | $-658,000 |
| Financing Cash Flow | $-6,063,000 | $21,709,000 | $49,321,000 | $10,882,000 |
| Cash Flow From Continuing Financing Activities | $-6,063,000 | $21,709,000 | $49,321,000 | $10,882,000 |
| Cash Dividends Paid | $-2,335,000 | $-2,290,000 | $-2,240,000 | $-2,212,000 |
| Common Stock Dividend Paid | $-2,335,000 | $-2,290,000 | $-2,240,000 | $-2,212,000 |
| Net Common Stock Issuance | $-178,000 | $-14,000 | $0 | $-658,000 |
| Issuance Of Capital Stock | - | - | - | $0 |
| Common Stock Issuance | - | - | - | $0 |
| Other | ||||
| Repayment Of Debt | $-20,200,000 | - | $-49,500,000 | $-10,000,000 |
| End Cash Position | $20,321,000 | $18,072,000 | $7,294,000 | $9,733,000 |
| Beginning Cash Position | $18,072,000 | $7,294,000 | $9,733,000 | $30,649,000 |
| Changes In Cash | $2,249,000 | $10,778,000 | $-2,439,000 | $-20,916,000 |
| Common Stock Payments | $-178,000 | $-14,000 | $0 | $-658,000 |
| Net Issuance Payments Of Debt | $-20,200,000 | $3,297,000 | $37,000,000 | $-6,000,000 |
| Net Long Term Debt Issuance | $-20,200,000 | $3,297,000 | $37,000,000 | $-6,000,000 |
| Long Term Debt Payments | $-20,200,000 | - | $-49,500,000 | $-10,000,000 |
| Net Investment Purchase And Sale | $12,349,000 | $11,038,000 | $11,647,000 | $-31,690,000 |
| Sale Of Investment | $12,349,000 | $11,038,000 | $22,797,000 | $29,470,000 |
| Net Business Purchase And Sale | $0 | $2,980,000 | - | - |
| Sale Of Business | $0 | $2,980,000 | - | - |
| Net PPE Purchase And Sale | $-4,000 | $265,000 | $-375,000 | $-214,000 |
| Sale Of PPE | $405,000 | $356,000 | - | - |
| Purchase Of PPE | $-409,000 | $-91,000 | $-375,000 | $-214,000 |
| Change In Working Capital | $158,000 | $-760,000 | $2,235,000 | $144,000 |
| Change In Payables And Accrued Expense | $569,000 | $-56,000 | $2,520,000 | $167,000 |
| Change In Payable | $569,000 | $-56,000 | $2,520,000 | $167,000 |
| Change In Account Payable | $569,000 | $-56,000 | $2,520,000 | $167,000 |
| Change In Receivables | $-411,000 | $-704,000 | $-285,000 | $-23,000 |
| Changes In Account Receivables | $-411,000 | $-704,000 | $-285,000 | $-23,000 |
| Other Non Cash Items | $-542,000 | $-5,474,000 | $-197,000 | $-64,000 |
| Stock Based Compensation | $68,000 | $69,000 | $76,000 | $103,000 |
| Unrealized Gain Loss On Investment Securities | $-561,000 | $-75,000 | $-1,000 | $83,000 |
| Deferred Tax | $318,000 | $224,000 | $-71,000 | $-29,000 |
| Deferred Income Tax | $318,000 | $224,000 | $-71,000 | $-29,000 |
| Depreciation Amortization Depletion | $503,000 | $734,000 | $969,000 | $1,645,000 |
| Depreciation And Amortization | $503,000 | $734,000 | $969,000 | $1,645,000 |
| Gain Loss On Sale Of PPE | $-160,000 | $-56,000 | - | - |
| Net Income From Continuing Operations | $4,243,000 | $6,255,000 | $3,349,000 | $4,099,000 |
| Issuance Of Debt | - | $3,297,000 | $86,500,000 | $4,000,000 |
| Long Term Debt Issuance | - | $3,297,000 | $86,500,000 | $4,000,000 |
| Purchase Of Investment | - | - | $-11,150,000 | $-61,160,000 |
| Gain Loss On Investment Securities | - | - | $84,000 | $0 |
| Change In Other Current Assets | - | - | - | - |
Fetched: 2026-02-02