Oconee Federal Financial Corp.
Oconee Federal Financial Corp. Fundamental Analysis
Oconee Federal Financial Corp. (OFED) shows moderate financial fundamentals with a PE ratio of 17.52, profit margin of 16.45%, and ROE of 5.79%. The company generates $0.0B in annual revenue with strong year-over-year growth of 16.14%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 52.4/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze OFED's fundamental strength across five key dimensions:
Efficiency Score
WeakOFED struggles to generate sufficient returns from assets.
Valuation Score
ModerateOFED shows balanced valuation metrics.
Growth Score
ModerateOFED shows steady but slowing expansion.
Financial Health Score
ModerateOFED shows balanced financial health with some risks.
Profitability Score
WeakOFED struggles to sustain strong margins.
Key Financial Metrics
Is OFED Expensive or Cheap?
P/E Ratio
OFED trades at 17.52 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, OFED's PEG of 7.36 indicates potential overvaluation.
Price to Book
The market values Oconee Federal Financial Corp. at 1.00 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 11.53 times EBITDA. This signals the market has high growth expectations.
How Well Does OFED Make Money?
Net Profit Margin
For every $100 in sales, Oconee Federal Financial Corp. keeps $16.45 as profit after all expenses.
Operating Margin
Core operations generate 21.26 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $5.79 in profit for every $100 of shareholder equity.
ROA
Oconee Federal Financial Corp. generates $0.76 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Oconee Federal Financial Corp. generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
Oconee Federal Financial Corp. generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
OFED converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
17.52
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
7.36
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.00
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.88
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.19
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.06
vs 25 benchmark
ROA
Return on assets percentage
0.008
vs 25 benchmark
ROCE
Return on capital employed
0.010
vs 25 benchmark
How OFED Stacks Against Its Sector Peers
| Metric | OFED Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 17.52 | 18.99 | Neutral |
| ROE | 5.79% | 821.00% | Weak |
| Net Margin | 16.45% | 1914.00% | Weak |
| Debt/Equity | 0.19 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 657.31 | Weak Liquidity |
| ROA | 0.76% | -25084.00% (disorted) | Weak |
OFED outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Oconee Federal Financial Corp.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
39.75%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
6.34%
Industry Style: Value, Dividend, Cyclical
GrowingFCF CAGR
-22.30%
Industry Style: Value, Dividend, Cyclical
Declining