Chester Bancorp (OTCMKTS:CNBA – Get Free Report) and Oconee Federal Financial (NASDAQ:OFED – Get Free Report) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their risk, earnings, profitability, dividends, analyst recommendations, valuation and institutional ownership.
Chester Bancorp pays an annual dividend of $0.80 per share. Oconee Federal Financial pays an annual dividend of $0.40 per share and has a dividend yield of 3.7%. Oconee Federal Financial pays out 90.9% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.
Institutional and Insider Ownership
0.7% of Oconee Federal Financial shares are owned by institutional investors. 38.8% of Chester Bancorp shares are owned by insiders. Comparatively, 5.1% of Oconee Federal Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
Earnings and Valuation
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Oconee Federal Financial||$18.05 million||3.39||$3.30 million||$0.44||24.77|
Oconee Federal Financial has higher revenue and earnings than Chester Bancorp.
This is a summary of recent ratings and price targets for Chester Bancorp and Oconee Federal Financial, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Oconee Federal Financial||0||0||0||0||N/A|
Risk & Volatility
Chester Bancorp has a beta of -0.03, indicating that its share price is 103% less volatile than the S&P 500. Comparatively, Oconee Federal Financial has a beta of 0.31, indicating that its share price is 69% less volatile than the S&P 500.
This table compares Chester Bancorp and Oconee Federal Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Oconee Federal Financial||20.66%||3.13%||0.39%|
Oconee Federal Financial beats Chester Bancorp on 7 of the 9 factors compared between the two stocks.
About Chester Bancorp
Chester Bancorp, Inc. operates as the holding company for Chester National Bank that provides various banking products and services to individuals and businesses in Chester, Illinois. It offers checking accounts, such as regular checking, student checking, golden checking, and club checking accounts; savings accounts, including statement savings, Christmas club, and money market accounts; and certificate of deposits and individual retirement accounts. The company also provides loans comprising mortgage, construction, lot, home equity, consumer, and business loans; and reorder check services. It operates two full service offices in Sparta, Illinois; and Perryville, Missouri. Chester Bancorp, Inc. was founded in 1996 and is based in Chester, Illinois.
About Oconee Federal Financial
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, such as installment loans for various consumer purposes, including the purchase of automobiles, boats, and other legitimate personal purposes. It operates through its executive office and 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. is a subsidiary of Oconee Federal, MHC.
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