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Complete financial analysis of Oconee Federal Financial Corp. (OFED) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Oconee Federal Financial Corp., a leading company in the Banks – Regional industry within the Financial Services sector.
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Oconee Federal Financial Corp. (OFED)
About Oconee Federal Financial Corp.
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.
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 30.65M | 20.95M | 16.61M | 16.54M | 16.61M | 16.73M | 16.61M | 17.96M | 19.21M | 16.38M | 12.10M | 12.23M | 12.47M | 10.39M | 9.34M | 7.96M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 30.65M | 20.95M | 16.61M | 16.54M | 16.61M | 16.73M | 16.61M | 17.96M | 19.21M | 16.38M | 12.10M | 12.23M | 12.47M | 10.39M | 9.34M | 7.96M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 0.00 | 0.00 | 8.12M | 7.99M | 7.52M | 8.12M | 7.81M | 7.24M | 7.51M | 6.16M | 4.19M | 3.87M | 3.51M | 4.89M | 3.48M | 3.20M |
| Selling & Marketing | 0.00 | 0.00 | 262.00K | 210.00K | 256.00K | 222.00K | 226.00K | 177.00K | 204.00K | 98.00K | 74.00K | 68.00K | 66.00K | 53.00K | 51.00K | 42.00K |
| SG&A | 6.61M | 0.00 | 8.38M | 8.20M | 7.78M | 8.35M | 8.03M | 7.41M | 7.71M | 6.26M | 4.26M | 3.94M | 3.57M | 4.95M | 3.53M | 3.24M |
| Other Expenses | -3.30M | -3.36M | -3.23M | -19.61M | -19.63M | -16.89M | -18.09M | -3.09M | -2.13M | 0.00 | -9.20M | -7.52M | -6.26M | -6.73M | -2.89M | 155.00K |
| Operating Expenses | 3.30M | 3.36M | 740.00K | -11.41M | -11.85M | -8.54M | -10.06M | 995.00K | 1.14M | 928.00K | -4.94M | -3.58M | -2.69M | -1.78M | 639.00K | 3.39M |
| Cost & Expenses | 23.63M | 16.70M | 740.00K | -11.41M | -11.85M | -8.54M | -10.06M | 995.00K | 1.14M | 928.00K | -4.94M | -3.58M | -2.69M | -1.78M | 639.00K | 3.39M |
| Interest Income | 0.00 | 0.00 | 16.43M | 16.67M | 18.71M | 18.85M | 17.05M | 17.15M | 17.76M | 16.19M | 12.98M | 13.99M | 15.27M | 15.24M | 15.08M | 15.47M |
| Interest Expense | 2.74M | 1.25M | 1.09M | 1.82M | 3.89M | 3.59M | 1.81M | 1.32M | 1.19M | 1.23M | 1.48M | 2.17M | 3.20M | 4.95M | 5.98M | 7.61M |
| Depreciation & Amortization | 551.00K | 594.00K | 667.00K | 730.00K | 709.00K | 606.00K | 577.00K | 466.00K | 581.00K | 1.08M | 907.00K | 1.15M | 579.00K | 324.00K | 287.00K | 1.44M |
| EBITDA | 7.25M | 4.82M | 6.72M | 7.04M | 6.48M | 5.52M | 6.01M | 8.52M | 9.14M | 8.28M | 6.60M | 7.63M | 7.16M | 3.99M | 0.00 | 0.00 |
| EBITDA Ratio | 23.64% | 2.82% | 46.98% | 42.58% | 36.53% | 55.80% | 47.38% | 54.28% | 50.68% | 58.05% | 66.72% | 80.14% | 83.11% | 85.98% | 109.91% | 160.66% |
| Operating Income | 7.02M | -4.00K | 6.16M | 5.13M | 4.76M | 8.19M | 6.55M | 8.33M | 8.47M | 8.43M | 7.17M | 8.65M | 9.79M | 8.61M | 9.98M | 11.35M |
| Operating Income Ratio | 22.91% | -0.02% | 37.07% | 31.02% | 28.67% | 48.94% | 39.45% | 46.37% | 44.08% | 51.49% | 59.23% | 70.71% | 78.47% | 82.86% | 106.84% | 142.62% |
| Total Other Income/Expenses | -329.00K | 4.23M | 0.00 | 0.00 | -410.00K | 225.00K | 48.00K | -95.00K | -590.00K | -1.08M | -907.00K | -1.15M | -579.00K | -324.00K | -5.98M | -7.61M |
| Income Before Tax | 6.69M | 4.22M | 5.07M | 5.13M | 4.76M | 4.59M | 4.74M | 7.00M | 7.28M | 7.20M | 5.69M | 6.47M | 6.59M | 3.67M | 4.00M | 3.75M |
| Income Before Tax Ratio | 21.84% | 20.15% | 30.53% | 31.02% | 28.67% | 27.46% | 28.55% | 39.00% | 37.89% | 43.98% | 47.00% | 52.93% | 52.80% | 35.26% | 42.82% | 47.06% |
| Income Tax Expense | 439.00K | 873.00K | 973.00K | 1.06M | 900.00K | 874.00K | 1.71M | 1.48M | 2.03M | 2.69M | 2.05M | 2.43M | 2.57M | 1.37M | 1.41M | 1.43M |
| Net Income | 6.25M | 3.35M | 4.10M | 4.07M | 3.86M | 3.72M | 3.04M | 5.53M | 5.25M | 4.51M | 3.64M | 4.04M | 4.01M | 2.30M | 2.59M | 2.32M |
| Net Income Ratio | 20.39% | 15.97% | 24.67% | 24.58% | 23.26% | 22.24% | 18.28% | 30.77% | 27.31% | 27.55% | 30.06% | 33.04% | 32.18% | 22.12% | 27.76% | 29.10% |
| EPS | 1.10 | 0.60 | 0.73 | 0.73 | 0.68 | 0.65 | 0.54 | 0.97 | 0.91 | 0.79 | 0.64 | 0.67 | 0.66 | 0.81 | 0.41 | 0.36 |
| EPS Diluted | 1.10 | 0.60 | 0.73 | 0.72 | 0.67 | 0.65 | 0.52 | 0.95 | 0.90 | 0.78 | 0.64 | 0.67 | 0.65 | 0.81 | 0.41 | 0.36 |
| Weighted Avg Shares Out | 5.70M | 5.60M | 5.58M | 5.56M | 5.65M | 5.69M | 5.66M | 5.67M | 5.69M | 5.63M | 5.58M | 5.96M | 6.05M | 2.82M | 6.35M | 6.35M |
| Weighted Avg Shares Out (Dil) | 5.70M | 5.60M | 5.58M | 5.61M | 5.72M | 5.76M | 5.78M | 5.77M | 5.77M | 5.70M | 5.63M | 6.00M | 6.06M | 2.82M | 6.35M | 6.35M |
Oconee Federal Financial Corp. Announces Quarterly Dividend
SENECA, S.C.--(BUSINESS WIRE)--Oconee Federal Financial Corp. (OTCQX: OFED) (the “Company”), the holding company for Oconee Federal Savings and Loan Association (“Oconee Federal”), announced today that the Board of Directors declared a quarterly cash dividend of $0.10 per share of the...
Oconee Federal Financial Corp. Announces Quarterly Financial Results
SENECA, S.C.--(BUSINESS WIRE)--Oconee Federal Financial Corp. (OTCQX: OFED) (the “Company”), the holding company for Oconee Federal Savings and Loan Association (“Oconee Federal”), announced today net income of $790 thousand, or $0.14 per diluted share, for the quarter ended September 30,...
Oconee Federal Financial Corp. Announces Quarterly Financial Results
SENECA, S.C.--(BUSINESS WIRE)--Oconee Federal Financial Corp. (OTCQX: OFED) (the “Company”), the holding company for Oconee Federal Savings and Loan Association (“Oconee Federal”), announced today net income of $3.9 million, or $0.57 per diluted share, for the quarter ended March 31,...
Oconee Federal Financial Corp. Announces Quarterly Dividend
SENECA, S.C.--(BUSINESS WIRE)--Oconee Federal Financial Corp. (OTCQX: OFED) (the “Company”), the holding company for Oconee Federal Savings and Loan Association (“Oconee Federal”), announced today that the Board of Directors declared a quarterly cash dividend of $0.10 per share of the...
Oconee Federal Completes Acquisition of Mutual Savings Bank
SENECA, S.C.--(BUSINESS WIRE)--Oconee Federal Financial Corp. (OTC: OFED) (“the Company”), the holding company for Oconee Federal Savings and Loan Association (“Oconee Federal”), and the majority-owned subsidiary of Oconee Federal, MHC (“the MHC”), has completed its acquisition of Mutual Savings Bank...
Oconee Federal Financial Corp. Announces Quarterly Dividend
SENECA, S.C.--(BUSINESS WIRE)--Oconee Federal Financial Corp. (OTCQX: OFED) (the “Company”), the holding company for Oconee Federal Savings and Loan Association (“Oconee Federal”), announced today that the Board of Directors declared a quarterly cash dividend of $0.10 per share of the...
Oconee Federal Financial Corp. Announces Quarterly Financial Results
SENECA, S.C.--(BUSINESS WIRE)--Oconee Federal Financial Corp. (OTCQX: OFED) (the “Company”), the holding company for Oconee Federal Savings and Loan Association (“Oconee Federal”), announced today net income of $320 thousand, or $0.06 per diluted share, for the quarter ended December 31,...
Oconee Federal Financial Corp. Announces Quarterly Dividend
SENECA, S.C.--(BUSINESS WIRE)--Oconee Federal Financial Corp. (OTCQX: OFED) (the “Company”), the holding company for Oconee Federal Savings and Loan Association (“Oconee Federal”), announced today that the Board of Directors declared a quarterly cash dividend of $0.10 per share of the...
Oconee Federal Financial Corp. Announces Quarterly Financial Results
SENECA, S.C.--(BUSINESS WIRE)--Oconee Federal Financial Corp. (OTCQX: OFED) (the “Company”), the holding company for Oconee Federal Savings and Loan Association (“Oconee Federal”), announced today net income of $312 thousand, or $0.06 per diluted share, for the quarter ended September 30,...
Oconee Federal Financial Corp. Announces Annual Financial Results
SENECA, S.C.--(BUSINESS WIRE)--Oconee Federal Financial Corp. (OTCQX: OFED) (the “Company”), the holding company for Oconee Federal Savings and Loan Association (“Oconee Federal”), announced today net income of $3.3 million, or $0.60 per diluted share, for the year ended June 30,...
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