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 and Pickens County areas of northwestern South Carolina, and the northeast area of Georgia in Stephens County and Rabun County. It offers deposit products, including demand, money market, NOW, savings, and individual retirem… Read more
Oconee Federal Financial Corp (OFED) - Net Assets
Latest net assets as of December 2025: $87.86 Million USD
Based on the latest financial reports, Oconee Federal Financial Corp (OFED) has net assets worth $87.86 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($662.36 Million) and total liabilities ($574.50 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $87.86 Million |
| % of Total Assets | 13.26% |
| Annual Growth Rate | 2.47% |
| 5-Year Change | -4.34% |
| 10-Year Change | -1.31% |
| Growth Volatility | 10.01 |
Oconee Federal Financial Corp - Net Assets Trend (2009–2025)
This chart illustrates how Oconee Federal Financial Corp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Oconee Federal Financial Corp (2009–2025)
The table below shows the annual net assets of Oconee Federal Financial Corp from 2009 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-06-30 | $84.28 Million | +6.99% |
| 2024-06-30 | $78.77 Million | +9.73% |
| 2023-06-30 | $71.79 Million | -4.61% |
| 2022-06-30 | $75.26 Million | -14.58% |
| 2021-06-30 | $88.10 Million | -0.23% |
| 2020-06-30 | $88.31 Million | +0.01% |
| 2019-06-30 | $88.30 Million | +4.04% |
| 2018-06-30 | $84.86 Million | -1.27% |
| 2017-06-30 | $85.96 Million | +0.66% |
| 2016-06-30 | $85.40 Million | +5.71% |
| 2015-06-30 | $80.79 Million | +4.95% |
| 2014-06-30 | $76.98 Million | +1.08% |
| 2013-06-30 | $76.16 Million | -8.22% |
| 2012-06-30 | $82.98 Million | +3.46% |
| 2011-06-30 | $80.21 Million | +34.44% |
| 2010-06-30 | $59.66 Million | +4.54% |
| 2009-06-30 | $57.07 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Oconee Federal Financial Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 55.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (June 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $88.95 Million | 105.55% |
| Total Equity | $84.28 Million | 100.00% |
Oconee Federal Financial Corp Competitors by Market Cap
The table below lists competitors of Oconee Federal Financial Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Gambling.com Group Ltd
NASDAQ:GAMB
|
$66.28 Million |
|
Lynch Group Holdings Ltd
AU:LGL
|
$66.28 Million |
|
Union Insurance Co Ltd
TW:2816
|
$66.28 Million |
|
Amax Hldg Co Ltd
TW:6933
|
$66.30 Million |
|
Alfa Holdings S.A
SA:RPAD3
|
$66.26 Million |
|
SaltX Technology Holding AB
ST:SALT-B
|
$66.25 Million |
|
Pecca Group Bhd
KLSE:5271
|
$66.22 Million |
|
Orderyoyo AS
CO:YOYO
|
$66.21 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Oconee Federal Financial Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 78,771,000 to 84,280,000, a change of 5,509,000 (7.0%).
- Net income of 4,243,000 contributed positively to equity growth.
- Dividend payments of 2,335,000 reduced retained earnings.
- Share repurchases of 178,000 reduced equity.
- Other factors increased equity by 3,779,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $4.24 Million | +5.03% |
| Dividends Paid | $2.33 Million | -2.77% |
| Share Repurchases | $178.00K | -0.21% |
| Other Changes | $3.78 Million | +4.48% |
| Total Change | $- | 6.99% |
Book Value vs Market Value Analysis
This analysis compares Oconee Federal Financial Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.83x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.34x to 0.83x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2009-06-30 | $8.99 | $12.07 | x |
| 2010-06-30 | $9.40 | $12.07 | x |
| 2011-06-30 | $28.40 | $12.07 | x |
| 2012-06-30 | $13.69 | $12.07 | x |
| 2013-06-30 | $12.70 | $12.07 | x |
| 2014-06-30 | $13.66 | $12.07 | x |
| 2015-06-30 | $14.17 | $12.07 | x |
| 2016-06-30 | $14.79 | $12.07 | x |
| 2017-06-30 | $14.91 | $12.07 | x |
| 2018-06-30 | $14.66 | $12.07 | x |
| 2019-06-30 | $15.33 | $12.07 | x |
| 2020-06-30 | $15.44 | $12.07 | x |
| 2021-06-30 | $15.70 | $12.07 | x |
| 2022-06-30 | $13.48 | $12.07 | x |
| 2023-06-30 | $12.80 | $12.07 | x |
| 2024-06-30 | $13.49 | $12.07 | x |
| 2025-06-30 | $14.47 | $12.07 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Oconee Federal Financial Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 5.03%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 24.29%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 7.93x
- Recent ROE (5.03%) is above the historical average (4.95%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2009 | 4.06% | 29.10% | 0.03x | 5.46x | $-3.39 Million |
| 2010 | 4.35% | 27.76% | 0.03x | 5.59x | $-3.37 Million |
| 2011 | 2.87% | 22.12% | 0.03x | 4.67x | $-5.72 Million |
| 2012 | 4.84% | 32.18% | 0.03x | 4.55x | $-4.29 Million |
| 2013 | 5.30% | 33.04% | 0.03x | 4.86x | $-3.58 Million |
| 2014 | 4.73% | 30.06% | 0.03x | 4.68x | $-4.06 Million |
| 2015 | 5.58% | 27.55% | 0.03x | 5.89x | $-3.57 Million |
| 2016 | 6.14% | 27.31% | 0.04x | 5.69x | $-3.29 Million |
| 2017 | 6.43% | 30.77% | 0.04x | 5.60x | $-3.07 Million |
| 2018 | 3.58% | 18.28% | 0.03x | 5.75x | $-5.45 Million |
| 2019 | 4.21% | 22.24% | 0.03x | 5.98x | $-5.11 Million |
| 2020 | 4.38% | 23.26% | 0.03x | 5.84x | $-4.97 Million |
| 2021 | 4.61% | 24.58% | 0.03x | 6.17x | $-4.75 Million |
| 2022 | 5.45% | 24.67% | 0.03x | 7.24x | $-3.43 Million |
| 2023 | 4.67% | 21.12% | 0.03x | 8.29x | $-3.83 Million |
| 2024 | 7.94% | 45.83% | 0.02x | 8.45x | $-1.62 Million |
| 2025 | 5.03% | 24.29% | 0.03x | 7.93x | $-4.18 Million |
Industry Comparison
This section compares Oconee Federal Financial Corp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Oconee Federal Financial Corp (OFED) | $87.86 Million | 4.06% | 6.54x | $66.27 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |