Head to Head Review: Oconee Federal Financial (OFED) vs. Its Peers

Oconee Federal Financial (NASDAQ:OFED – Get Rating) is one of 115 publicly-traded companies in the “Federal savings institutions” industry, but how does it weigh in compared to its rivals? We will compare Oconee Federal Financial to similar companies based on the strength of its analyst recommendations, dividends, valuation, risk, earnings, profitability and institutional ownership.

Institutional & Insider Ownership

1.1% of Oconee Federal Financial shares are owned by institutional investors. Comparatively, 39.9% of shares of all “Federal savings institutions” companies are owned by institutional investors. 5.9% of Oconee Federal Financial shares are owned by insiders. Comparatively, 8.7% of shares of all “Federal savings institutions” companies are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Earnings and Valuation

This table compares Oconee Federal Financial and its rivals top-line revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Oconee Federal Financial	$18.67 million	$4.07 million	29.33
Oconee Federal Financial Competitors	$832.60 million	$231.23 million	12.21

Oconee Federal Financial’s rivals have higher revenue and earnings than Oconee Federal Financial. Oconee Federal Financial is trading at a higher price-to-earnings ratio than its rivals, indicating that it is currently more expensive than other companies in its industry.

Volatility & Risk

Oconee Federal Financial has a beta of 0.56, indicating that its stock price is 44% less volatile than the S&P 500. Comparatively, Oconee Federal Financial’s rivals have a beta of 0.58, indicating that their average stock price is 42% less volatile than the S&P 500.

Dividends

Oconee Federal Financial pays an annual dividend of $0.40 per share and has a dividend yield of 2.0%. Oconee Federal Financial pays out 58.0% of its earnings in the form of a dividend. As a group, “Federal savings institutions” companies pay a dividend yield of 2.9% and pay out 30.6% of their earnings in the form of a dividend. Oconee Federal Financial lags its rivals as a dividend stock, given its lower dividend yield and higher payout ratio.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Oconee Federal Financial and its rivals, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Oconee Federal Financial	0	0	0	0	N/A
Oconee Federal Financial Competitors	201	1309	1155	49	2.39

As a group, “Federal savings institutions” companies have a potential upside of 18.68%. Given Oconee Federal Financial’s rivals higher probable upside, analysts clearly believe Oconee Federal Financial has less favorable growth aspects than its rivals.

Profitability

This table compares Oconee Federal Financial and its rivals’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Oconee Federal Financial	21.99%	4.60%	0.73%
Oconee Federal Financial Competitors	19.93%	8.05%	0.90%

Summary

Oconee Federal Financial rivals beat Oconee Federal Financial on 10 of the 12 factors compared.

About Oconee Federal Financial

(Get Rating)

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 County area of northwestern South Carolina and the northeast area of Georgia. It offers deposit products, including demand, NOW, money market, savings, certificates of deposit, and individual retirement accounts. The company's loan portfolio comprises one-to-four family and multi-family residential mortgage loans; home equity loans and lines of credit; nonresidential real estate loans; construction and land loans; commercial and industrial loans; agricultural loans; and consumer and other loans. It operates through its executive office and eight branch offices located in Oconee and Pickens Counties, South Carolina; and Stephens and Rabun Counties, Georgia. The company was founded in 1924 and is based in Seneca, South Carolina. Oconee Federal Financial Corp. operates as a subsidiary of Oconee Federal, MHC.