Oconee Federal Financial (OFED) Stock Price, News & Analysis

Company Overview

Oconee Federal Financial, Inc. is the bank holding company for Oconee Federal Bank, a community‐focused financial institution headquartered in Seneca, South Carolina. Established to support local families and businesses, the company has its roots in serving the upstate South Carolina market with a broad spectrum of banking services. As a publicly traded entity on the NASDAQ under the ticker OFED, Oconee Federal Financial facilitates strategic growth and oversight for its banking subsidiary.

The company’s primary business activities include commercial lending, residential real estate financing, consumer loans and a full array of deposit products. Through Oconee Federal Bank, the company offers checking and savings accounts, money market instruments, certificates of deposit and individual retirement accounts. On the lending side, clients can access commercial real estate and construction loans, agricultural credits, home mortgages, home equity lines of credit and personal installment loans, complemented by online and mobile banking platforms.

Oconee Federal Financial’s operations are concentrated in Oconee, Pickens and Greenville counties in South Carolina, with branch locations designed to support both urban and rural communities. The institution emphasizes local decision-making, personalized customer service and community reinvestment initiatives, including participation in small business development programs and local sponsorships. By aligning its financial offerings with regional economic needs, Oconee Federal Financial maintains a commitment to supporting sustainable growth in its core markets.

Key Stats

• Today's Range: $16.00 to $16.00
• 50-Day Range: $13.32 to $16.02
• 52-Week Range: $11.75 to $16.21
• Volume: 103 shs
• Average Volume: 847 shs
• Market Capitalization: $93.19 million
• P/E Ratio: 12.40
• Dividend Yield: 2.50%
• Price Target: N/A
• Consensus Rating: N/A

Oconee Federal Financial Stock Analysis - MarketRank™

Oconee Federal Financial scored higher than 5% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Oconee Federal Financial.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Oconee Federal Financial is 12.40, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.85.

Price to Earnings Ratio vs. Sector

The P/E ratio of Oconee Federal Financial is 12.40, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.42.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

0.06% of the outstanding shares of Oconee Federal Financial have been sold short.

Short Interest Ratio / Days to Cover

Oconee Federal Financial has a short interest ratio ("days to cover") of 12.1, which indicates bearish sentiment.

Change versus previous month

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Oconee Federal Financial pays a meaningful dividend of 2.50%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Oconee Federal Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Oconee Federal Financial is 49.38%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.06% of the outstanding shares of Oconee Federal Financial have been sold short.

Short Interest Ratio / Days to Cover

Oconee Federal Financial has a short interest ratio ("days to cover") of 12.1, which indicates bearish sentiment.

Change versus previous month

News and Social Media

• Score: 0.0 / 5
• News Sentiment: N/A

News Coverage This Week

MarketBeat has tracked 1 news article for Oconee Federal Financial this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Oconee Federal Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 5.09% of the stock of Oconee Federal Financial is held by insiders.

OFED Stock Analysis - Frequently Asked Questions

How have OFED shares performed this year?

Oconee Federal Financial's stock was trading at $12.7101 at the beginning of 2025. Since then, OFED shares have increased by 25.9% and is now trading at $15.9983.

How were Oconee Federal Financial's earnings last quarter?

Oconee Federal Financial Corp. (NASDAQ:OFED) released its quarterly earnings data on Thursday, May, 14th. The savings and loans company reported $0.17 EPS for the quarter. The savings and loans company earned $4.43 million during the quarter.

How do I buy shares of Oconee Federal Financial?

Shares of OFED stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Oconee Federal Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Oconee Federal Financial investors own include Gilead Sciences (GILD), The Goldman Sachs Group (GS), International Business Machines (IBM), Celanese (CE), Galapagos (GLPG), Liberty Global (LBTYA) and Nuance Communications (NUAN).

Company Calendar

• Last Earnings: 5/14/2020
• Record date for 8/21 Dividend: 8/07/2025
• Dividend Payable: 8/21/2025
• Today: 10/26/2025
• Fiscal Year End: 6/30/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Federal savings institutions
• Sub-Industry: Banking
• Current Symbol: NASDAQ:OFED
• CIK: 1501078
• Web: www.oconeefederal.com
• Phone: (864) 882-2765
• Fax: N/A
• Employees: 80
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $0.81
• Trailing P/E Ratio: 12.40
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $6.26 million
• Net Margins: 22.17%
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $16.85 million
• Price / Sales: 5.53
• Cash Flow: $1.26 per share
• Price / Cash Flow: 12.74
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 5,825,000
• Free Float: 5,541,000
• Market Cap: $93.19 million
• Optionable: Not Optionable
• Beta: -0.03