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Oconee Federal Financial Corp. logo
Oconee Federal Financial Corp. OFED
report update icon

Quarterly report 2023-Q3
added 05-16-2026

Oconee Federal Financial Corp. Financial Ratios 2022-2010 | OFED

Brief overview of Oconee Federal Financial Corp.'s financial ratios

This overview follows the five latest available observations from 2018 through 2022.

Key multiples at the end of the period are P/E 35.93x (median 36.55x), P/B 1.96x (median 1.6x), P/CF 25.8x (median 25.8x). Ratios sit near their own comparison base, with an average deviation of 0% from five-year medians.

The 1/P/E calculation produces a 2.8% earnings yield. It does not capture future growth or capital structure.

Capital efficiency is characterized by ROE 5.4%, ROA 0.8%. Low capital returns limit the ability to compound value internally.

The PEG ratio is 6.63x; investors pay a high price per unit of expected growth.

Banks and insurers require sector-specific reading: the value and return on capital matter more than standard industrial multiples.

What the ratios show

Oconee Federal Financial Corp.'s profile looks neutral, with price and fundamental efficiency broadly aligned.

Annual Financial Ratios Oconee Federal Financial Corp.

2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010

P/E

35.9 30.4 36.5 38.6 44.4 27.7 23.6 21.1 27.3 22.6 18.5 12.1 -

P/S

- - 8.5 8.6 8.1 8.5 6.5 5.8 8.2 7.5 6.0 2.7 -

EPS

0.7 0.7 0.7 0.7 0.5 1.0 0.9 0.8 0.6 0.7 0.7 0.8 -

EV (Enterprise Value)

607 M 549 M 534 M 546 M 528 M 528 M 497 M 464 M 371 M 347 M 322 M 261 M -

EBITDA per Share

0.29 0.34 0.23 0.2 0.23 0.25 0.22 0.19 0.16 0.19 0.1 0.11 -

EV/EBITDA

369.0 286.8 409.1 475.9 400.8 371.7 391.3 431.3 408.9 300.8 555.3 805.5 -

PEG

6.63 2.74 7.81 7.11 9.09 1.13 1.19 1.12 -7.16 11.22 -1.12 0.14 -

P/B

2.0 1.4 1.6 1.6 1.6 1.8 1.5 1.2 1.3 1.2 0.9 0.3 -

P/CF

25.8 25.1 27.7 26.4 21.1 25.0 13.9 19.2 22.5 15.6 15.4 7.8 -

ROE %

5.45 4.61 4.38 4.21 3.58 6.43 6.14 5.58 4.73 5.30 4.84 2.87 -

ROA %

0.75 0.75 0.75 0.70 0.62 1.15 1.08 0.95 1.01 1.09 1.06 0.61 -

Current Ratio

1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.3 1.3 1.3 1.3 -

DSO

- - 24.3 22.9 20.9 19.9 19.9 21.0 25.2 27.1 27.6 16.4 -

Operating Cycle

- - 24.3 22.9 20.9 19.9 19.9 21.0 25.2 27.1 27.6 16.4 -

Cash Conversion Cycle

- - 24.3 22.9 20.9 19.9 19.9 21.0 25.2 27.1 27.6 16.4 -

All numbers in USD currency

Quarterly Financial Ratios Oconee Federal Financial Corp.

2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

EPS

0.11 0.2 0.24 0.2 0.24 0.43 0.19 0.22 0.19 0.22 0.14 0.19 0.17 0.19 0.16 0.19 0.17 0.17 0.16 0.16 0.23 -0.01 0.15 -0.01 0.24 0.23 0.22 0.23 0.24 0.17 0.25 0.17 0.21 0.18 0.18 0.18 0.15 0.18 0.16 0.18 0.14 0.18 0.16 0.18 0.16 0.15 0.16 0.15 0.16 0.15 0.16

EBITDA per Share

0.13 0.09 0.05 - 0.05 0.08 - - 0.24 0.18 - - 0.17 0.11 0.05 - 0.15 0.11 0.05 - 0.17 0.12 0.06 - 0.19 0.13 0.06 - 0.19 0.1 0.06 - 0.14 0.08 0.04 - 0.12 0.09 0.05 - 0.15 0.09 0.05 - 0.05 0.05 0.01 - 0.01 0.05 0.01

ROE %

5.84 6.92 8.63 8.00 7.88 7.25 5.43 5.01 4.79 4.55 4.36 4.54 4.57 4.61 4.48 4.47 4.31 4.77 3.59 3.54 2.40 2.49 4.13 4.63 6.27 6.29 5.87 6.12 5.70 5.53 5.71 5.30 5.47 5.11 5.14 5.01 5.03 4.98 4.99 4.98 4.99 5.07 4.82 4.81 4.56 4.61 4.61 4.61 1.20 1.10 1.20

ROA %

0.74 0.88 1.13 1.08 1.11 1.06 0.85 0.80 0.77 0.76 0.75 0.79 0.80 0.80 0.77 0.76 0.73 0.81 0.62 0.62 0.43 0.44 0.73 0.81 1.10 1.10 1.02 1.07 0.99 0.95 0.97 0.95 0.97 0.96 1.03 0.98 1.05 1.04 1.05 1.07 1.09 1.11 1.05 1.05 0.99 1.00 1.00 1.00 0.26 0.24 0.26

Current Ratio

1.1 1.1 1.1 1.1 1.1 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.3 1.2 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 1.3 -

All numbers in USD currency

Multiples are an important financial analysis tool for the company Oconee Federal Financial Corp., allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.

Advantages of Using Financial Ratios
  • Simplified Data Analysis
    Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition.
  • Comparability Between Companies
    Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations.
  • Identification of Trends and Issues
    Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks.
  • Decision Support
    Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions.
  • Accelerated Assessment of Investment Attractiveness
    Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.

Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.

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