OFED Company Profile and Key Details

Q: Who are the executives of OFED?

Mr. David H. StaffordExecutive Vice President & Chief Operating OfficerMr. Charles Todd LatiffExecutive Vice President & Chief Banking OfficerMr. Curtis T. EvattPres, Chief Executive Officer & DirectorMr. John W. Hobbs CPAExecutive Vice President & Chief Financial OfficerMr. Harry B. Mays Jr.Sec. & Independent Director

NASDAQ : OFED

Oconee Federal Financial

$15.10

At Close 4:00 PM

73.87

B+ESG ScoreESG Rating

Profile Key Stats Analyst Ratings Ownership Ratios Financials Dividend & splits Sentiment Forecast

Price Chart

Stock Price Today

Oconee Federal Financial Corp. (OFED) stock remained unchanged at $15.10 a share on OTC. The stock opened at $15.50, fluctuating between $15.10 to $15.50 during the session.

Stock Snapshot

15.1

Prev. Close

87.91M

Market Cap

15.1

Day Low

17.56

P/E Ratio

0.86

EPS (TTM)

0.47

Cash Flow per Share

15.5

Open

5.82M

Number of Shares

15.5

Day High

94.04%

Free Float in %

12.76

Book Value

500

Volume

Relevant Articles

SEC Fillings

Current Report (8-k)

Filing Date	Accepted Date

Annual Report (10-k)

Filing Date	Accepted Date

Stock Price History Chart

Date	Open	High	Low	Close	Volume
Apr 01, 2026	15.50	15.50	15.10	15.10	500
Feb 09, 2026	15.10	15.26	15.10	15.10	1.2K
Feb 06, 2026	15.20	15.30	15.10	15.30	1.6K
Feb 04, 2026	15.20	15.20	15.20	15.20	2
Jan 27, 2026	15.20	15.30	15.20	15.30	504
Jan 23, 2026	15.31	15.55	14.75	15.55	5.09K
Jan 22, 2026	15.79	15.79	15.30	15.79	703
Jan 21, 2026	16.61	16.61	16.00	16.00	500
Jan 08, 2026	16.90	16.90	16.90	16.90	200
Jan 02, 2026	16.50	16.50	16.50	16.50	100
Dec 30, 2025	15.51	15.51	15.51	15.51	1
Dec 29, 2025	16.99	17.22	16.62	17.22	898
Dec 26, 2025	15.95	16.00	15.95	16.00	436
Dec 24, 2025	15.05	15.05	15.05	15.05	310
Dec 19, 2025	17.00	17.00	17.00	17.00	306
Dec 17, 2025	14.99	15.00	14.99	15.00	3.4K
Dec 16, 2025	15.01	15.01	15.00	15.00	2.55K
Dec 11, 2025	15.37	15.37	15.25	15.25	570
Dec 10, 2025	15.36	15.36	15.36	15.36	702
Nov 24, 2025	14.55	14.55	14.32	14.32	1K

Contact Details

Seneca, SC 29678

United States

https://www.oconeefederal.com 864 882 2765

About Company

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.

Stock Peers

FINN

First National of Nebraska, Inc.$11,850.00 SBNC

94.98+1.68%

Southern BancShares (N.C.), Inc.$5,749.98 FMBL

20+0.43%

Farmers & Merchants Bank of Long Beach$4,645.00 SWZNF

Schweizerische Nationalbank$4,323.18 FCNCB

-15-1.01%

First Citizens BancShares, Inc.$1,475.00 FMCB

-10-1.00%

Farmers & Merchants Bancorp$990.00 CBCYB

Central Bancompany, Inc.$630.00 WTBFA

W.T.B. Financial Corporation$525.00 BKUT

Bank of Utica$505.00 BKUTK

Bank of Utica$380.00

Company Overview

The stock is currently mid-range between its 52-week high and low $11.86 and $17.22. With a market capitalization of about $87.91 million, Oconee Federal Financial Corp. is classified as a micro-cap and shows lower-than-market volatility (beta ~-0.17). Key stats such as the average daily volume over the past year has been around 152.00 shares, trading with heavier-than-usual volume. Headquartered in Seneca, SC, Oconee Federal Financial Corp. operates in the Financial Services sector and the Banks - Regional industry. Led by CEO Curtis T. Evatt, the company employs approximately 79 people and listed since January 14, 2011. 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.

Technical Performance

OFED has shown mixed momentum, gaining 7.82% over the past week and -4.54% over the past quarter, though year-to-date performance is down -50.36%.

Valuation Metrics

Oconee Federal Financial Corp. trades at a P/E ratio of 17.52, slightly below the S&P 500 average, with a price-to-sales ratio of 2.88 and a price-to-book ratio of 1.0 suggesting the stock is closer to book value. The P/FCF stands at 0.0, also below market averages.

Dividend & Fair Value

Oconee Federal Financial Corp. last paid a dividend of 0.4 per share, this equals a trailing yield of roughly inf%. Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $14.64. This means the shares are trading near this model’s fair value.

Shareholding & Insider Activity

Oconee Federal Financial Corp. has 5.84 million shares outstanding. The public float is 5.49 million shares, elevated short interest at 0.52% of float. This equals 6.04 thousand shares. The short ratio is 1.76 days. Institutional investors hold 0.0% of the float. Insiders own 1.6%. Evatt Curtis T holds 83.17 thousand shares, Salter H Allen has 10.80 thousand shares and Latiff Charles Todd has 0.00 shares.

Financial & Profitability Overview

Over the trailing twelve months, Oconee Federal Financial generated $29.59M in revenue, or $5.07 per share. Gross margin was 58.64%, operating margin 18.40%, and net profit margin 14.34%. Returns are modest, with ROA at 0.64% and ROE at 5.03%.
On valuation metrics, Oconee Federal Financial trades at a P/E of 17.52, P/S of 2.88 and P/B of 1.00. Operationally, the company’s inventory turnover is 0.00 and cash conversion cycle is 24.88 days. Debt-to-equity is 0.19, supported by a cash flow-to-debt ratio of 0.00.

Quarterly Financial Highlights

For the quarter ended Jun 30, 2025, Oconee Federal Financial posted revenue of $29.59M, down slightly from $30.65M in the prior quarter. Gross profit was $17.35M (margin 58.64%). Operating income was $5.45M (margin 18.4%). Net income was$4.24M (EPS $0.73).
The company ended the quarter with $122.83M in cash and short-term investments, a total debt of $35.75M, and net debt of $15.43M. Total assets were $668.19M, with equity of $84.28M. Financials further reflected stability, with operating cash flow of $4.09M, free cash flow of $3.68M, and capital expenditures of - $409.00K.

Price Forecast & Outlook

Our AI price prediction model suggests that Oconee Federal Financial Corp. stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected increase of 0.53%, with price expected at $15.18 by April 15, 2026, within a range of $14.25 to $16.06 3-Month Outlook: Projected fall of -4.9%, reaching $14.36 by June 30, 2026, with a range of $14.01 to $14.67. 1-Year Outlook: Projected loss of -15.63%, with price at $12.74 by April 01, 2027, within a range of $11.64 to $14.12.

Key Takeaways

Oconee Federal Financial Corp. (NASDAQ:OFED) shares are down -50.36% year-to-date Short-term momentum has been negative over the last quarter, despite recent volatility. Valuation shows Oconee Federal Financial Corp. trading at a premium to the broader market with a P/E of 17.52. Our AI forecast model points to short-term strength (0.53% over two weeks), a medium-term fall (-4.9% over three months), and a longer-term loss (-15.63% over one year), with expected trading ranges indicating moderate volatility.

Frequently Asked Questions

What is the current Oconee Federal Financial Corp. (OFED) stock price?

Oconee Federal Financial Corp. (OTC: OFED) stock price is $15.10 in the last trading session. During the trading session, OFED stock reached the peak price of $15.50 while $15.10 was the lowest point it dropped to. The percentage change in OFED stock occurred in the recent session was 0% while the dollar amount for the price change in OFED stock was $0.00.

OFED's industry and sector of operation?

The OTC listed OFED is part of Banks - Regional industry that operates in the broader Financial Services sector. Oconee Federal Financial Corp. designs, manufactures, and markets smartphones, personal computers, tablets, wearables, and accessories worldwide.

Who are the executives of OFED?

Mr. David H. Stafford
Executive Vice President & Chief Operating Officer
Mr. Charles Todd Latiff
Executive Vice President & Chief Banking Officer
Mr. Curtis T. Evatt
Pres, Chief Executive Officer & Director
Mr. John W. Hobbs CPA
Executive Vice President & Chief Financial Officer
Mr. Harry B. Mays Jr.
Sec. & Independent Director

How OFED did perform over past 52-week?

OFED's closing price is 27.32% higher than its 52-week low of $11.86 where as its distance from 52-week high of $17.22 is -12.31%.

How many employees does OFED have?

Number of OFED employees currently stands at 79.

Link for OFED official website?

Official Website of OFED is: https://www.oconeefederal.com

How do I contact OFED?

OFED could be contacted at phone 864 882 2765 and can also be accessed through its website. OFED operates from 201 East North Second Street, Seneca, SC 29678, United States.

How many shares of OFED are traded daily?

OFED stock volume for the day was 500 shares. The average number of OFED shares traded daily for last 3 months was 152.

What is the market cap of OFED currently?

The market value of OFED currently stands at $87.91M with its latest stock price at $15.10 and 5.82M of its shares outstanding.

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Employees	79
Beta	-0.17
Sales or Revenue	$29.59M
5Y Sales Change%	0.725%
Fiscal Year Ends	June
Sector	Financial Services
Industry	Banks - Regional

OFED Company Profile and Key Details

Oconee Federal Financial

Price Chart

Stock Price Today

Stock Snapshot

Relevant Articles

SEC Fillings

Current Report (8-k)

Annual Report (10-k)

Stock Price History Chart

Contact Details

About Company

Company Information

Stock Peers

Company Overview

Technical Performance

Valuation Metrics

Dividend & Fair Value

Shareholding & Insider Activity

Financial & Profitability Overview

Quarterly Financial Highlights

Price Forecast & Outlook

Key Takeaways

Frequently Asked Questions

Shareholding & Insider Activity

Technical Performance

Financial & Profitability Overview

Quarterly Financial Highlights

Dividend & Fair Value

Company Overview

Price Forecast & Outlook

Key Takeaways

Valuation Metrics