Oconee Federal Financial Corp. - Understand $ofed stock

$OFED Market Cap: $72.33 Million

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Financial Snapshot

Revenue

$14.06M

TTM

Gross Margin

Net Earnings

$4.111M

TTM

Current Assets

Current Liabilities

$1.584M

Q1 2023

Current Ratio

Total Assets

$588.1M

Q1 2023

Total Liabilities

$514.5M

Q1 2023

Book Value

$73.61M

Q1 2023

Cash

$7.668M

Q1 2023

P/E

17.59

Nov 25, 2024 EST

Free Cash Flow

$5.313M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue	$16.43M	$16.67M							$12.98M	$13.99M	$15.27M	$15.24M
YoY Change	-1.46%								-7.26%	-8.36%	0.18%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2022	2021	2014	2013	2012	2011
Revenue	$16.43M	$16.67M	$12.98M	$13.99M	$15.27M	$15.24M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development	$1.033M	$978.0K							$264.0K	$253.0K	$298.0K	$288.0K
YoY Change	5.62%								4.35%	-15.1%	3.47%
% of Gross Profit
Depreciation & Amortization	$1.645M	$1.910M	$1.310M	$1.150M	$1.320M	$1.420M	$1.270M	$1.080M	$907.0K	$1.154M	$579.0K	$324.0K	$290.0K	$1.440M
YoY Change	-13.87%	45.8%	13.91%	-12.88%	-7.04%	11.81%	17.59%	19.07%	-21.4%	99.31%	78.7%	11.72%	-79.86%
% of Gross Profit
Operating Expenses	$1.033M	$978.0K							$264.0K	$253.0K	$298.0K	$288.0K
YoY Change	5.62%								4.35%	-15.1%	3.47%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2022	2021	2014	2013	2012	2011
Interest Expense	$1.087M	$1.821M	$1.480M	$2.174M	$3.202M	$4.947M
YoY Change	-40.31%		-31.92%	-32.1%	-35.27%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Pretax Income	$5.072M	$5.130M	$4.760M	$4.590M	$4.740M	$7.000M	$7.280M	$7.200M	$5.689M	$6.472M	$6.585M	$3.665M	$4.000M	$3.750M
YoY Change	-1.13%	7.77%	3.7%	-3.16%	-32.29%	-3.85%	1.11%	26.56%	-12.1%	-1.72%	79.67%	-8.38%	6.67%	65.93%
Income Tax	$973.0K	$1.060M	$900.0K	$870.0K	$790.0K	$1.480M	$2.030M	$2.690M	$2.050M	$2.432M	$2.572M	$1.366M	$1.410M	$1.430M
% Of Pretax Income	19.18%	20.66%	18.91%	18.95%	16.67%	21.14%	27.88%	37.36%	36.03%	37.58%	39.06%	37.27%	35.25%	38.13%
Net Earnings	$4.099M	$4.070M	$3.860M	$3.720M	$3.040M	$5.530M	$5.250M	$4.510M	$3.639M	$4.040M	$4.013M	$2.299M	$2.590M	$2.320M
YoY Change	0.71%	5.44%	3.76%	22.37%	-45.03%	5.33%	16.41%	23.94%	-9.93%	0.67%	74.55%	-11.24%	11.64%	55.7%
Net Earnings / Revenue	24.96%	24.42%							28.04%	28.87%	26.28%	15.08%
Basic Earnings Per Share	$0.73	$0.73							$0.64	$0.67	$0.66	$0.81
Diluted Earnings Per Share	$0.73	$722.9K	$674.8K	$645.8K	$526.0K	$958.4K	$909.9K	$791.2K	$0.64	$0.67	$0.65	$0.81	$407.9K	$365.4K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$8.579M	$9.000M	$9.400M	$8.100M	$6.800M	$6.600M	$6.800M	$7.100M	$3.000M	$3.000M	$3.200M	$3.300M	$3.500M	$3.700M
YoY Change	-4.68%	-4.26%	16.05%	19.12%	3.03%	-2.94%	-4.23%	136.67%	0.0%	-6.25%	-3.03%	-5.71%	-5.41%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$4.678M	$800.0K	$400.0K	$1.200M	$2.000M	$2.400M	$1.100M	$3.800M	$700.0K
YoY Change	484.75%	100.0%	-66.67%	-40.0%	-16.67%	118.18%	-71.05%	442.86%
Total Long-Term Assets
YoY Change
Total Assets	$544.8M	$543.7M	$515.6M	$527.8M	$488.0M	$481.3M	$485.6M	$475.3M	$360.5M	$370.1M	$377.8M	$374.3M	$333.5M	$311.6M
YoY Change
Accounts Payable	$853.0K	$700.0K	$1.200M	$1.400M	$1.000M	$900.0K	$600.0K	$500.0K	$2.500M	$1.500M	$1.400M	$1.600M	$1.300M	$1.800M
YoY Change	21.86%	-41.67%	-14.29%	40.0%	11.11%	50.0%	20.0%	-80.0%	66.67%	7.14%	-12.5%	23.08%	-27.78%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$853.0K	$700.0K	$1.200M	$1.400M	$1.000M	$900.0K	$600.0K	$500.0K	$2.500M	$1.500M	$1.400M	$1.600M	$1.300M	$1.800M
YoY Change	21.86%	-41.67%	-14.29%	40.0%	11.11%	50.0%	20.0%	-80.0%	66.67%	7.14%	-12.5%	23.08%	-27.78%
Long-Term Debt	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change
Total Liabilities	$469.5M	$455.6M	$427.3M	$439.5M	$403.1M	$395.4M	$400.2M	$394.6M	$283.5M	$293.9M	$294.8M	$294.1M	$273.9M	$254.5M
YoY Change	3.06%	6.62%	-2.78%	9.03%	1.95%	-1.2%	1.42%	39.19%	-3.54%	-0.31%	0.24%	7.37%	7.62%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2022	2021	2014	2013	2012	2011
Basic Shares Outstanding	5.578M shares	5.562M shares	5.581M shares	5.965M shares	6.046M shares	2.824M shares
Diluted Shares Outstanding	5.583M shares	5.611M shares	5.634M shares	5.995M shares	6.059M shares	2.824M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $72.333 Million

About Oconee Federal Financial Corp.

Oconee Federal Financial Corp. is a holding company, which engages in the provision of financial services. The company is headquartered in Seneca, South Carolina and currently employs 79 full-time employees. The company went IPO on 2011-01-14. Oconee Federal Savings and Loan Association is a federally chartered savings and loan association. The Company’s principal business consists of accepting retail deposits from the general public in its market area and investing those deposits, together with funds generated from operations, in one-to-four family residential mortgage loans and, to a lesser extent, nonresidential mortgage, construction and land, agricultural and other loans. The company also invests in United States Government and federal agency securities, mortgage-backed securities, municipal securities and short-term deposits. The company also offers functional electronic banking platforms, including online bill pay, and mobile banking. The company has approximately nine full-service branch offices. Its branch offices are located in South Carolina, Seneca, Walhalla, Westminster, Clemson, and Toccoa, Doyle Street, Georgia.

Industry: Savings Institution, Federally Chartered Peers: Bogota Financial Corp. BV Financial, Inc. CF BANKSHARES INC. OP Bancorp Randolph Bancorp, Inc. Rocket Companies, Inc. SECURITY NATIONAL FINANCIAL CORP Territorial Bancorp Inc. William Penn Bancorporation