OFED RSI Chart
Last 30 days
-2.4%
Last 90 days
-7.7%
Trailing 12 Months
-34.7%
Historical Charts for Stock Metrics
Year | Q1 | Q2 | Q3 | Q4 |
---|---|---|---|---|
2023 | 18.3M | 0 | 0 | 0 |
2022 | 16.2M | 16.4M | 17.0M | 17.4M |
2021 | 17.4M | 16.6M | 16.1M | 16.2M |
2020 | 19.2M | 18.7M | 0 | 18.1M |
2019 | 18.2M | 18.8M | 19.2M | 19.3M |
2018 | 17.0M | 17.0M | 17.3M | 17.7M |
2017 | 17.2M | 17.2M | 16.9M | 16.9M |
2016 | 18.0M | 17.8M | 17.8M | 17.6M |
2015 | 14.8M | 16.2M | 17.3M | 17.9M |
2014 | 13.1M | 13.0M | 13.0M | 13.5M |
2013 | 14.4M | 14.0M | 13.6M | 13.3M |
2012 | 15.3M | 15.3M | 15.1M | 14.7M |
2011 | 0 | 15.2M | 15.3M | 15.3M |
2010 | 0 | 0 | 0 | 0 |
Datesorted ascending | Name | Buy/Sell | $ Value | Avg. Price | # Shares | Title |
---|---|---|---|---|---|---|
Mar 03, 2023 | evatt curtis t | sold | -4,780 | 23.9 | -200 | president and ceo |
Mar 02, 2023 | evatt curtis t | sold | -71.7 | 23.9 | -3.00 | president and ceo |
Mar 01, 2023 | evatt curtis t | sold | -266 | 24.2273 | -11.00 | president and ceo |
Feb 28, 2023 | evatt curtis t | sold | -3,870 | 24.0384 | -161 | president and ceo |
Aug 25, 2022 | stafford david h | acquired | 116,400 | 19.4 | 6,000 | evp and coo |
Aug 25, 2022 | stafford david h | sold (taxes) | -116,387 | 26.09 | -4,461 | evp and coo |
Mar 21, 2022 | latiff charles todd | sold | -47,340 | 26.3 | -1,800 | evp and chief banking officer |
Mar 14, 2022 | evatt curtis t | acquired | 699,999 | 11.58 | 60,449 | president and ceo |
Mar 14, 2022 | evatt curtis t | sold (taxes) | -699,987 | 24.4 | -28,688 | president and ceo |
Feb 17, 2022 | evatt curtis t | back to issuer | -43,237 | 22.95 | -1,884 | president and ceo |
Peers (Alternatives to Oconee Federal Financial Corp)
Name | Mkt Capsorted ascending | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
---|---|---|---|---|---|---|---|---|
LARGE-CAP | ||||||||
JPM | 588.1B | 174.7B | 11.68 | 3.37 | ||||
BAC | 307.4B | 137.9B | 12.28 | 2.23 | ||||
WFC | 213.0B | 85.8B | 11.35 | 2.48 | ||||
C | 122.2B | 125.0B | 15.29 | 0.98 | ||||
CFG | 16.9B | 10.4B | 11.81 | 1.62 | ||||
KEY | 14.5B | 8.1B | 16.61 | 1.78 | ||||
MID-CAP | ||||||||
CMA | 7.3B | 4.2B | 10.46 | 1.71 | ||||
ZION | 6.6B | 4.1B | 10.55 | 1.63 | ||||
ABCB | 3.5B | 1.3B | 12.32 | 2.65 | ||||
ASB | 3.4B | 2.0B | 20.88 | 1.65 | ||||
SMALL-CAP | ||||||||
AMNB | 497.6M | 120.2M | 19.02 | 4.14 | ||||
AROW | 417.1M | 173.1M | 14.3 | 2.41 | ||||
ALRS | 390.4M | 152.4M | 39.27 | 2.56 | ||||
ACNB | 295.5M | 98.7M | 10.04 | 2.99 | ||||
ASRV | 48.0M | 62.5M | -16.24 | 0.77 |
Oconee Federal Financial Corp News
Income Statement (Quarterly) | ||||||||||||||||||||||
Description | (%) Q/Q | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 | 2018Q4 | 2018Q3 | 2018Q2 | 2018Q1 | 2017Q4 |
Revenue | 7.0% | 4,950 | 4,625 | 4,484 | 4,234 | 4,028 | 4,265 | 3,899 | 3,992 | 4,017 | 4,229 | 4,411 | 4,719 | 4,762 | 4,818 | 4,940 | 4,786 | 4,699 | 4,421 | 4,311 | 4,303 | 4,259 |
S&GA Expenses | -39.1% | 42.00 | 69.00 | 45.00 | 41.00 | 39.00 | 56.00 | 35.00 | 74.00 | 55.00 | 69.00 | 46.00 | 57.00 | 64.00 | 44.00 | 44.00 | 46.00 | 59.00 | 45.00 | 63.00 | 57.00 | 66.00 |
EBITDA Margin | -9.4% | 1.19* | 1.32* | 1.36* | 1.34* | 1.51* | 1.49* | 1.50* | 1.15* | 0.96* | 0.93* | 1.12* | - | - | - | - | - | - | - | - | - | - |
Interest Expenses | -14.6% | 3,394 | 3,975 | 4,200 | 4,010 | 3,781 | 3,977 | 3,570 | 5,565 | 3,599 | 3,750 | 3,706 | 3,801 | 3,678 | 3,631 | 3,829 | 3,771 | 3,882 | 3,771 | 3,769 | 3,822 | 3,845 |
Income Taxes | -30.7% | 169 | 244 | 396 | 305 | 304 | 147 | 217 | 418 | 255 | 215 | 344 | 242 | 19.00 | 295 | 225 | 202 | 221 | 226 | 219 | -125 | 1,185 |
Earnings Before Taxes | -40.5% | 797 | 1,340 | 1,735 | 1,353 | 1,348 | 1,383 | 988 | 1,905 | 1,125 | 1,286 | 1,238 | 1,188 | 1,109 | 1,229 | 1,205 | 1,154 | 1,140 | 1,095 | 1,148 | 1,183 | 1,126 |
EBT Margin | -14.1% | 0.29* | 0.33* | 0.34* | 0.31* | 0.35* | 0.33* | 0.33* | 0.26* | 0.21* | 0.21* | 0.25* | - | - | - | - | - | - | - | - | - | - |
Net Income | -42.7% | 628 | 1,096 | 1,339 | 1,048 | 1,044 | 1,236 | 771 | 1,487 | 870 | 1,071 | 894 | 946 | 1,090 | 934 | 980 | 952 | 919 | 869 | 929 | 1,308 | -59.00 |
Net Income Margin | -13.8% | 0.22* | 0.26* | 0.27* | 0.25* | 0.28* | 0.27* | 0.26* | 0.21* | 0.17* | 0.16* | 0.21* | - | - | - | - | - | - | - | - | - | - |
Free Cashflow | -7.0% | 1,178 | 1,266 | 1,775 | 956 | 2,020 | 1,214 | 1,304 | 1,470 | 1,263 | 1,936 | 1,391 | - | - | - | - | - | - | - | - | - | - |
Balance Sheet | ||||||||||||||||||||||
Description | (%) Q/Q | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 | 2018Q4 | 2018Q3 | 2018Q2 | 2018Q1 |
Assets | 4.1% | 588 | 565 | 549 | 545 | 540 | 537 | 540 | 544 | 534 | 525 | 520 | 516 | 502 | 503 | 522 | 528 | 512 | 514 | 496 | 488 | 482 |
Cash Equivalents | 9.5% | 8.00 | 7.00 | 8.00 | 10.00 | 11.00 | 8.00 | 19.00 | 31.00 | 35.00 | 36.00 | 0.00 | 35.00 | 26.00 | 22.00 | 35.00 | 37.00 | 15.00 | 11.00 | 7.00 | 10.00 | 9.00 |
Net PPE | -1.1% | 8.00 | 8.00 | 9.00 | 9.00 | 9.00 | 9.00 | 0.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 10.00 | 9.00 | 8.00 | 8.00 | 8.00 | 8.00 | 7.00 | 7.00 |
Goodwill | 0% | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 0.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 |
Liabilities | 4.2% | 515 | 494 | 480 | 470 | 460 | 449 | 452 | 456 | 447 | 435 | 431 | 427 | 413 | 414 | 433 | 440 | 425 | 428 | 412 | 403 | 398 |
Shareholder's Equity | 2.7% | 74.00 | 72.00 | 69.00 | 75.00 | 80.00 | 88.00 | 88.00 | 88.00 | 88.00 | 89.00 | 89.00 | 88.00 | 89.00 | 89.00 | 88.00 | 88.00 | 87.00 | 86.00 | 84.00 | 85.00 | 85.00 |
Retained Earnings | 0.1% | 84.00 | 84.00 | 84.00 | 83.00 | 82.00 | 82.00 | 0.00 | 81.00 | 81.00 | 80.00 | 80.00 | 79.00 | 79.00 | 78.00 | 78.00 | 77.00 | 77.00 | 77.00 | 76.00 | 76.00 | 76.00 |
Additional Paid-In Capital | 0.3% | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 0.00 | 6.00 | 7.00 | 7.00 | 7.00 | 7.00 | 9.00 | 10.00 | 10.00 | 11.00 | 11.00 | 12.00 | 12.00 | 12.00 | 12.00 |
Shares Outstanding | 0% | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | - | - | - | - | - | - | - | - | - |
Float | - | - | - | - | - | - | 32.00 | - | - | - | 36.00 | - | - | - | 40.00 | - | - | - | 40.00 | - | - | - |
Cashflow (Quarterly) | ||||||||||||||||||||||
Description | (%) Q/Q | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 | 2018Q4 | 2018Q3 | 2018Q2 | 2018Q1 |
Cashflow From Operations | -3.7% | 1,216 | 1,263 | 1,842 | 1,025 | 2,063 | 1,228 | 1,392 | 1,511 | 1,305 | 2,111 | 419* | 1,441 | -28.00 | 1,861 | 1,819 | 980 | 1,513 | 1,974 | 968 | 1,632 | 1,230 |
Share Based Compensation | -14.3% | 18.00 | 21.00 | 20.00 | 20.00 | 22.00 | 31.00 | 30.00 | 17.00 | 17.00 | 41.00 | 21* | 21.00 | 20.00 | 20.00 | 19.00 | 20.00 | 34.00 | 36.00 | 36.00 | 35.00 | 86.00 |
Cashflow From Investing | -30.6% | -20,271 | -15,527 | -13,183 | -11,375 | -8,207 | -5,632 | -12,292 | -13,462 | -13,433 | -7,371 | -5.91 | -5,232 | 7,262 | 5,008 | 3,941 | 5,868 | 7,425 | -12,290 | -12,055 | -5,072 | -1,439 |
Cashflow From Financing | 47.2% | 19,721 | 13,396 | 9,478 | 8,613 | 9,937 | -6,546 | -1,122 | 7,719 | 10,543 | 7,147 | 3.00 | 12,261 | -2,743 | -19,879 | -7,819 | 14,547 | -4,827 | 14,443 | 8,234 | 4,436 | 2,341 |
Dividend Payments | -1.8% | 560 | 570 | 548 | 561 | 545 | 547 | 559 | 560 | 561 | 1,078 | 561* | 568 | 594 | 492 | 575 | 575 | 570 | 492 | 577 | 577 | 571 |
Buy Backs | - | - | - | - | 60.00 | 410 | 121 | 67.00 | 460 | 523 | 249 | 31* | 1,900 | 1,110 | 131 | 796 | 159 | 813 | 94.00 | 521 | - | 51.00 |
CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME/(LOSS) (Unaudited) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended | ||
---|---|---|---|---|
Mar. 31, 2023 | Mar. 31, 2022 | Mar. 31, 2023 | Mar. 31, 2022 | |
Interest and dividend income: | ||||
Loans, including fees | $ 4,069 | $ 3,392 | $ 11,521 | $ 10,560 |
Securities, taxable | 762 | 543 | 2,290 | 1,336 |
Securities, tax-exempt | 38 | 86 | 117 | 257 |
Other interest-earning assets | 81 | 7 | 132 | 38 |
Total interest income | 4,950 | 4,028 | 14,060 | 12,191 |
Interest expense: | ||||
Deposits | 1,184 | 228 | 1,805 | 802 |
Other borrowings | 372 | 19 | 685 | 61 |
Total interest expense | 1,556 | 247 | 2,490 | 863 |
Net interest income | 3,394 | 3,781 | 11,570 | 11,328 |
Provision for loan losses | 50 | 150 | ||
Net interest income after provision for loan losses | 3,344 | 3,781 | 11,420 | 11,328 |
Noninterest income: | ||||
Service charges on deposit accounts | 106 | 101 | 329 | 304 |
Income on bank owned life insurance | 127 | 121 | 356 | 348 |
Mortgage servicing income | 22 | 27 | 66 | 85 |
Gain on sale of mortgage loans | 33 | 12 | 182 | |
ATM & debit card income | 116 | 106 | 341 | 329 |
Change in fair value of equity securities, net | 4 | (1) | (49) | |
Loss on sale of securities, net | (84) | |||
Gain on payoff of purchase credit impaired loans | 51 | 70 | 240 | 70 |
Other | 7 | 6 | 15 | 11 |
Total noninterest income | 433 | 464 | 1,274 | 1,280 |
Noninterest expense: | ||||
Salaries and employee benefits | 1,730 | 1,689 | 4,980 | 5,101 |
Occupancy and equipment | 460 | 468 | 1,427 | 1,443 |
Data processing | 297 | 266 | 836 | 768 |
ATM & debit card expense | 101 | 86 | 260 | 256 |
Professional and supervisory fees | 121 | 113 | 355 | 349 |
Office expense | 42 | 39 | 156 | 131 |
Advertising | 59 | 61 | 190 | 196 |
FDIC deposit insurance | 38 | 36 | 108 | 105 |
Foreclosed assets, net | (37) | (36) | (1) | |
Change in loan servicing asset | (22) | (42) | (41) | (39) |
Other | 191 | 181 | 587 | 579 |
Total noninterest expense | 2,980 | 2,897 | 8,822 | 8,888 |
Income before income taxes | 797 | 1,348 | 3,872 | 3,720 |
Income tax expense | 169 | 304 | 809 | 669 |
Net income | 628 | 1,044 | 3,063 | 3,051 |
Other comprehensive income/(loss) | ||||
Unrealized gains/(losses) on securities available-for-sale | 2,378 | (9,871) | (4,056) | (11,715) |
Tax effect | (501) | 2,073 | 851 | 2,460 |
Reclassification adjustment for losses realized in net income | 84 | |||
Tax effect | (18) | |||
Total other comprehensive income/(loss) | 1,877 | (7,798) | (3,139) | (9,255) |
Comprehensive income/(loss) | $ 2,505 | $ (6,754) | $ (76) | $ (6,204) |
Basic net income per share: (Note 3) | $ 0.11 | $ 0.19 | $ 0.55 | $ 0.55 |
Diluted net income per share: (Note 3) | 0.11 | 0.19 | 0.55 | 0.55 |
Dividends declared per share: | $ 0.10 | $ 0.10 | $ 0.30 | $ 0.30 |
CONSOLIDATED BALANCE SHEETS (unaudited) - USD ($) $ in Thousands | Mar. 31, 2023 | Jun. 30, 2022 |
---|---|---|
ASSETS | ||
Cash and due from banks | $ 6,174 | $ 2,327 |
Interest-earning deposits | 1,392 | 7,406 |
Fed funds sold | 102 | |
Total cash and cash equivalents | 7,668 | 9,733 |
Securities available-for-sale | 138,013 | 151,299 |
Loans | 401,727 | 345,112 |
Allowance for loan losses | (1,489) | (1,339) |
Net loans | 400,238 | 343,773 |
Loans held for sale, at fair value | 152 | |
Premises and equipment, net | 8,272 | 8,579 |
Accrued interest receivable | ||
Loans | 1,083 | 944 |
Investments | 363 | 468 |
Restricted equity securities, at cost | 2,651 | 1,189 |
Bank owned life insurance | 20,754 | 20,398 |
Goodwill | 2,593 | 2,593 |
Core deposit intangible | 35 | 74 |
Loan servicing rights | 386 | 345 |
Deferred tax assets | 5,546 | 4,678 |
Other assets | 544 | 567 |
Total assets | 588,146 | 544,792 |
Deposits | ||
Noninterest - bearing | 56,803 | 60,697 |
Interest - bearing | 414,152 | 398,985 |
Total deposits | 470,955 | 459,682 |
Federal Home Loan Bank advances | 42,000 | 9,000 |
Accrued interest payable and other liabilities | 1,584 | 853 |
Total liabilities | 514,539 | 469,535 |
SHAREHOLDERS’ EQUITY | ||
Common stock, $0.01 par value, 100,000,000 shares authorized; 6,606,648 and 6,605,109 shares outstanding, respectively | 66 | 66 |
Treasury stock, at par, 997,380 and 997,380 shares, respectively | (10) | (10) |
Additional paid-in capital | 6,105 | 6,055 |
Retained earnings | 84,173 | 82,790 |
Accumulated other comprehensive loss | (16,727) | (13,588) |
Unearned ESOP shares | (56) | |
Total shareholders’ equity | 73,607 | 75,257 |
Total liabilities and shareholders’ equity | $ 588,146 | $ 544,792 |