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Oconee Federal Financial Corp. (OFED)

USD18.30 -0.70 (-3.68%)
US OTC Financial Services Banks - Regional
Address 201 East North Second Street 29678
Seneca, SC, US
CEO Curtis T. Evatt
IPO 2011-01-14
CIK 1501078 ISIN US6756071055

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Description

Oconee Federal Financial Corp. acts as the parent company for Oconee Federal Savings and Loan Association, providing a comprehensive range of banking solutions and financial services. Its operational footprint spans the Oconee County area of northwestern South Carolina and the northeast region of Georgia. The institution offers diverse deposit products, including checking accounts (demand and NOW), money market accounts, savings accounts, certificates of deposit, and individual retirement accounts. Its robust loan portfolio encompasses residential mortgages for single-family and multi-family properties, home equity loans and credit lines, commercial real estate financing, construction and land development loans, commercial and industrial loans, agricultural lending, and various consumer loans. The company operates from its executive office and eight branch locations situated across Oconee and Pickens Counties in South Carolina, as well as Stephens and Rabun Counties in Georgia. Established in 1924 and headquartered in Seneca, South Carolina, Oconee Federal Financial Corp. functions as a subsidiary of Oconee Federal, MHC.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD18.30 -0.70 (-3.68%)
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Volume Profile
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Liquidity & share structure
Average Volume
270
Beta
-0.03
Float Shares
5.49M
Free Float %
94.3%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +1.87% +21.27% +21.58% +33.38% +10.92% +55.66% +15.76% -25.33% -2.25% +59.70%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
18.30
DCF (Unlevered) 21.94 +19.9%
DCF (Levered) 16.54 -9.6%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.40
Distress
Piotroski F-Score
8 / 9
Strong
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
3 / 5
Medium
ROA Score
4 / 5
High
D/E Score
2 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +16.1% Q1'26: +0.0% (vs Q1'25)
  • EPS growth
    -33.6% Q1'26: +11.8% (vs Q1'25)
  • FCF margin
    Q1'26: +23.5% (vs Q1'25)
  • EBIT margin
    Q1'26: +19.8% (vs Q1'25)
  • ROIC
    Q1'26: +4.5% (vs Q1'25)
  • Share dilution
    +2.5% Q1'26: -0.3% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 2.86× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (-0.12) × ERP
WACC = 76% × Ke + 24% × Kd (33.9%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 21.94 Current price: 18.30
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-21 B 3/5 4/5 2/5 3/5 3/5 2/5 3/5
2026-05-20 B 3/5 4/5 2/5 3/5 3/5 2/5 3/5
2026-05-15 B 3/5 3/5 2/5 3/5 3/5 2/5 3/5
2026-05-13 B 3/5 3/5 2/5 3/5 3/5 2/5 3/5
2026-05-06 B 3/5 3/5 2/5 3/5 3/5 2/5 3/5
2026-05-05 B 3/5 3/5 2/5 3/5 3/5 2/5 3/5
2026-05-01 B 3/5 3/5 2/5 3/5 3/5 2/5 3/5
2026-04-30 B 3/5 3/5 2/5 3/5 3/5 2/5 3/5
2026-04-29 B 3/5 4/5 2/5 3/5 3/5 2/5 3/5
2026-04-28 B 3/5 4/5 2/5 3/5 3/5 2/5 3/5
2026-04-22 B+ 3/5 4/5 3/5 4/5 2/5 2/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
6.51M
OE per share TTM
1.16
Owner's Yield
5.86%
Maintenance CapEx ratio
54.31%
Maint CapEx / Avg PPE
42.0%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
14
Beneficial owners (>5%)
# Reporting person Amount owned % of class Sole voting Shared voting Sole dispositive Shared dispositive Type Citizenship Filing date SEC filing
1 Oconee Federal, MHC                                           EIN: 4.13M 65.02% 4.13M 4.13M 10.00 HC United States 2011-01-19
2 Capital II L.P. 320.6K 5.05% 320.6K 320.6K PN Delaware 2011-02-11
3 Farley LLC 320.6K 5.05% 320.6K 320.6K CO Delaware 2011-02-11
4 L. Farley 320.6K 5.05% 320.6K 320.6K IN States 2011-02-11
5 Associates II LLC 197.4K 3.11% 197.4K 197.4K CO Delaware 2011-02-11
6 Partners L.P. 197.4K 3.11% 197.4K 197.4K PN Delaware 2011-02-11
7 Newfoundland LLC 68.3K 1.08% 68.3K 68.3K CO Delaware 2011-02-11
8 FA Newfoundland LLC 0.00% CO Delaware 2014-02-14
9 Farley Associates II LLC 0.00% CO Delaware 2014-02-14
10 Farley Capital II L.P. 0.00% PN Delaware 2014-02-14
11 Labrador Partners L.P. 0.00% PN Delaware 2014-02-14
12 Newfoundland Partners L.P. 0.00% PN Delaware 2014-02-14
13 Stephen Farley LLC 0.00% CO Delaware 2014-02-14
14 Stephen L. Farley 0.00% IN United States 2014-02-14

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter
Ratio by transactions
0.00
Bearish
Ratio by volume
0.00
Bearish
Buys
0
Sells
4
Shares acquired
Shares disposed
375.00
Cash buys
Cash sales
4.00
Net activity
-375
Insider buys vs sells (history) From To
Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2023-03-03 Evatt Curtis T Director / Officer S-Sale D Common Stock 200 23.90 4.8K 83,166
2023-03-02 Evatt Curtis T Director / Officer S-Sale D Common Stock 3 23.90 71.70 83,366
2023-03-01 Evatt Curtis T Director / Officer S-Sale D Common Stock 11 24.23 266.50 83,369
2023-02-28 Evatt Curtis T Director / Officer S-Sale D Common Stock 161 24.04 3.9K 83,380
2022-08-25 Stafford David H Officer F-InKind D Common Stock 4,461 26.09 116.4K 7,539
2022-03-21 Latiff Charles Todd Officer S-Sale D Common Stock 1,800 26.30 47.3K 0
2022-03-14 Evatt Curtis T Officer M-Exempt A Common Stock 60,449 11.58 700.0K 112,229
2022-02-17 Evatt Curtis T Director / Officer M-Exempt A Common Stock 6,000 11.58 69.5K 57,780
2021-12-20 Poore W. Maurice Director M-Exempt A Common Stock 15,552 11.58 180.1K 46,773
2021-12-20 Evatt Curtis T Director / Officer D-Return D Common Stock 1,000 24.02 24.0K 51,780
2021-09-16 Evatt Curtis T Director / Officer D-Return D Common Stock 2,500 23.57 58.9K 52,780
2021-06-21 Stafford David H Officer A-Award A Common Stock 2,500 0.00 6,000
2021-06-21 Hobbs John William Officer A-Award A Stock Options 5,000 23.16 115.8K 5,000
2021-03-08 McLellan Robert N Jr. Director M-Exempt D Stock Options 15,552 11.58 180.1K 0
2021-03-08 Latiff Charles Todd Officer S-Sale D Common Stock 1,800 26.80 48.2K 1,800
2021-03-08 Evatt Curtis T Director / Officer M-Exempt A Common Stock 11,314 11.58 131.0K 66,594
2020-12-17 Evatt Curtis T Director / Officer W-Will A Common Stock 17,411 0.00 55,280
2020-12-16 Mays Harry B Jr. Director M-Exempt D Stock Options 15,552 11.58 180.1K 0
2020-04-23 Stafford David H Officer I Common Stock 0 0.00 2,927
2020-02-21 Latiff Charles Todd Officer S-Sale D Common Stock 1,800 26.89 48.4K 3,600
2019-09-18 Latiff Charles Todd Officer S-Sale D Common Stock 1,800 21.85 39.3K 5,400
2019-05-22 Sandifer Cecil T Jr. Director M-Exempt A Common Stock 15,552 11.58 180.1K 46,773
2018-07-23 Evatt Curtis T Director / Officer W-Will A Common Stock 5,070 0.00 14,722
2018-05-02 Evatt Curtis T Director / Officer W-Will A Common Stock 8,333 0.00 18,333
2018-03-22 Latiff Charles Todd Officer S-Sale D Common Stock 1,800 28.00 50.4K 7,200
2018-02-20 Evatt T. Rhett Director / Officer F-InKind D Common Stock 17,241 29.00 500.0K 82,041
2017-12-22 Hobbs John William Officer A-Award A Stock Options 7,000 29.33 205.3K 7,000
2017-04-03 Hobbs John William Officer D Common Stock 0 0.00 0
2017-03-07 Latiff Charles Todd Officer P-Purchase A Common Stock 1,500 23.77 35.7K 1,500
2017-02-15 Latiff Charles Todd Officer S-Sale D Common Stock 1,800 23.31 42.0K 9,000
2017-02-05 Stafford David H Officer D Stock Options 7,000 19.40 135.8K 0
2016-02-26 Latiff Charles Todd Officer S-Sale D Common Stock 1,800 20.00 36.0K 10,800
2015-12-16 Salter H Allen Director / Officer D-Return D Common Stock 1,800 18.34 33.0K 9,000
2015-12-15 Mays Harry B Jr. Director G-Gift A Common Stock 1,948 0.00 11,169
2015-03-11 Salter H Allen Officer S-Sale D Common Stock 1,800 19.60 35.3K 10,800
2015-01-23 Latiff Charles Todd Officer A-Award A Stock Options 7,700 20.01 154.1K 7,700
2014-11-13 Salter H Allen Officer D Stock Options 7,700 17.16 132.1K 0
2014-10-27 Latiff Charles Todd Officer D Common Stock 0 0.00 0
2014-03-15 Sandifer Cecil T Jr. Director S-Sale D Common Stock 10,100 17.35 175.2K 0
2014-01-01 Salter H Allen Officer D Common Stock 0 0.00 12,600
2012-05-30 McLellan Robert N Jr. Director W-Will D Common Stock 20,000 0.00 0
2012-04-27 Sandifer Cecil T Jr. Director A-Award A Stock Options 15,552 11.58 180.1K 15,552
2012-04-27 Poore W. Maurice Director A-Award A Stock Options 15,552 11.58 180.1K 15,552
2012-04-27 McLellan Robert N Jr. Director A-Award A Common Stock 6,221 0.00 7,141
2012-04-27 Mays Harry B Jr. Director A-Award A Common Stock 6,221 0.00 9,221
2012-04-27 Evatt T. Rhett Director / Officer A-Award A Common Stock 31,105 0.00 56,105
2012-04-27 Evatt Curtis T Director / Officer A-Award A Common Stock 24,884 0.00 25,384
2012-04-27 Carter Nancy M Officer A-Award A Common Stock 6,221 0.00 14,221
2011-01-13 Sandifer Cecil T Jr. Director I Common Stock 0 0.00 228
2011-01-13 Poore W. Maurice Director D Common Stock 0 0.00 25,000
2011-01-13 McLellan Robert N Jr. Director D Common Stock 0 0.00 32
2011-01-13 Mays Harry B Jr. Director D Common Stock 0 0.00 3,000
2011-01-13 Evatt T. Rhett Director / Officer D Common Stock 0 0.00 25,000
2011-01-13 Evatt Curtis T Director / Officer I Common Stock 0 0.00 10,000
2011-01-13 Carter Nancy M Officer I Common Stock 0 0.00 10,000

Executive team

Top executives
EBIT / Employee
68.9K
Shares Outstanding
5.82M

Executive compensation

Executive compensation (annual)
# Year Executive Salary Bonus Stock award Option award Incentive Other Total % Stock-
based
Filing
1 2022 Curtis T. Evatt President and Chief Executive Officer 281.7K 13.7K 74.0K 369.4K 0.00%
2 2022 C. Todd Latiff Executive Vice President and Chief Banking Officer 213.6K 10.5K 31.1K 255.1K 0.00%
3 2022 David H. Stafford Senior Vice President and Chief Operations Officer 193.8K 9.3K 29.4K 232.6K 0.00%
4 2022 John W. Hobbs Executive Vice President and Chief Financial Officer 181.3K 8.6K 29.1K 219.1K 0.00%
5 2021 Curtis T. Evatt President and Chief Executive Officer 270.9K 13.2K 73.8K 358.0K 0.00%
6 2021 John W. Hobbs Executive Vice President and Chief Financial Officer 168.3K 8.0K 139.0K 16.7K 24.8K 356.8K 43.63%
7 2021 David H. Stafford Executive Vice President and Chief Operations Officer 182.4K 9.4K 57.9K 28.5K 278.2K 20.81%
8 2021 David H. Stafford Senior Vice President and Chief Operations Officer 182.4K 9.4K 57.9K 28.5K 278.2K 20.81%
9 2021 C. Todd Latiff Executive Vice President and Chief Banking Officer 207.8K 12.6K 38.3K 258.7K 0.00%
10 2020 Curtis T. Evatt President and Chief Executive Officer 259.6K 12.6K 74.5K 346.8K 0.00%
11 2020 C. Todd Latiff Executive Vice President and Chief Banking Officer 201.8K 12.2K 38.8K 252.8K 0.00%
12 2020 David H. Stafford Executive Vice President and Chief Operations Officer 166.7K 8.5K 32.1K 207.2K 0.00%
13 2020 John W. Hobbs Executive Vice President and Chief Financial Officer 153.0K 7.2K 18.5K 178.7K 0.00%
14 2019 Curtis T. Evatt President and Chief Executive Officer 245.2K 11.9K 68.6K 325.8K 0.00%
15 2019 C. Todd Latiff Executive Vice President and Chief Banking Officer 192.0K 9.3K 33.9K 235.1K 0.00%
16 2019 David H. Stafford Executive Vice President and Chief Operations Officer 149.8K 7.3K 23.3K 180.4K 0.00%
17 2019 John W. Hobbs Senior Vice President and Chief Financial Officer 136.6K 6.7K 14.9K 158.2K 0.00%
18 2019 John W. Hobbs Executive Vice President and Chief Financial Officer 136.6K 6.7K 14.9K 158.2K 0.00%
19 2018 Curtis T. Evatt President and Chief Executive Officer 230.3K 11.0K 100.5K 341.8K 0.00%
20 2018 C. Todd Latiff Executive Vice President and Chief Banking Officer 180.1K 8.7K 51.8K 240.6K 0.00%
21 2018 T. Rhett Evatt Executive Chairman 132.4K 11.0K 74.0K 217.4K 0.00%
22 2018 John W. Hobbs Senior Vice President and Chief Financial Officer 129.8K 4.8K 37.9K 5.8K 178.3K 21.24%
23 2017 Curtis T. Evatt President and Chief Executive Officer 210.3K 10.1K 82.6K 303.0K 0.00%
24 2017 T. Rhett Evatt Executive Chairman 205.1K 10.6K 77.9K 293.6K 0.00%
25 2017 C. Todd Latiff Executive Vice President and Chief Banking Officer 169.5K 8.0K 41.1K 218.7K 0.00%
26 2016 T. Rhett Evatt Chief Executive Officer 211.1K 16.8K 108.6K 336.5K 0.00%
27 2016 T. Rhett Evatt Executive Chairman 211.1K 16.8K 108.6K 336.5K 0.00%
28 2016 Curtis T. Evatt President and Chief Executive Officer 192.9K 13.0K 91.6K 297.5K 0.00%
29 2016 Curtis T. Evatt President and Chief Financial Officer 192.9K 13.0K 91.6K 297.5K 0.00%
30 2016 H. Allen Salter Executive Vice President, Chief Financial Officer and Treasurer 118.7K 7.6K 163.3K 289.6K 0.00%
31 2016 C. Todd Latiff Executive Vice President and Chief Banking Officer 145.7K 7.3K 16.3K 169.2K 0.00%
32 2015 C. Todd Latiff Executive Vice President and Chief Banking Officer 97.4K 1.3K 252.1K 22.0K 1.3K 374.2K 73.27%
33 2015 T. Rhett Evatt Chief Executive Officer 206.9K 10.2K 94.7K 311.8K 0.00%
34 2015 Curtis T. Evatt President 183.2K 8.8K 90.7K 282.6K 0.00%
35 2015 Curtis T. Evatt President and Chief Financial Officer 183.2K 8.8K 90.7K 282.6K 0.00%
36 2015 H. Allen Salter Executive Vice President, Chief Financial Officer and Treasurer 144.9K 6.6K 42.5K 194.0K 0.00%
37 2014 H. Allen Salter Senior Vice President and Chief Financial Officer 117.6K 5.3K 216.2K 18.9K 20.4K 378.5K 62.14%
38 2014 H. Allen Salter Executive Vice President, Chief Financial Officer and Treasurer 117.6K 5.3K 216.2K 18.9K 20.4K 378.5K 62.14%
39 2014 T. Rhett Evatt Chief Executive Officer 202.5K 10.0K 103.0K 315.5K 0.00%
40 2014 Curtis T. Evatt President 167.0K 8.0K 69.9K 244.9K 0.00%
41 2013 T. Rhett Evatt Chief Executive Officer 196.0K 9.6K 92.8K 298.4K 0.00%
42 2013 T. Rhett Evatt President and Chief Executive Officer 196.0K 9.6K 92.8K 298.4K 0.00%
43 2013 Curtis T. Evatt President 151.2K 6.9K 58.0K 216.1K 0.00%
44 2013 Curtis T. Evatt Executive Vice President and Chief Financial Officer 151.2K 6.9K 58.0K 216.1K 0.00%
45 2013 Nancy M. Carter Senior Vice President and Assistant Treasurer 101.2K 4.9K 24.5K 130.5K 0.00%
46 2012 T. Rhett Evatt President and Chief Executive Officer 189.1K 9.3K 360.2K 77.8K 82.4K 718.7K 60.94%
47 2012 Curtis T. Evatt Executive Vice President and Chief Financial Officer 126.4K 5.7K 288.2K 77.8K 44.3K 542.2K 67.48%
48 2012 Nancy M. Carter Senior Vice President and Assistant Treasurer 94.5K 4.6K 72.0K 15.6K 14.7K 201.3K 43.51%
49 2011 T. Rhett Evatt President and Chief Executive Officer 182.0K 10.2K 68.5K 260.6K 0.00%
50 2011 Curtis T. Evatt Executive Vice President and Chief Financial Officer 99.6K 5.6K 31.6K 136.9K 0.00%
51 2011 Nancy M. Carter Senior Vice President and Assistant Treasurer 87.6K 4.3K 8.2K 100.2K 0.00%
52 2010 T. Rhett Evatt President and Chief Executive Officer 178.5K 9.4K 70.5K 258.4K 0.00%
53 2010 Curtis T. Evatt Executive Vice President and Chief Financial Officer 82.1K 3.4K 21.1K 106.6K 0.00%
CEO compensation breakdown

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2022-10-14 DEF 14A
2021-10-14 DEF 14A
2020-10-09 DEF 14A
2019-10-11 DEF 14A
2018-10-15 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2023-08-10 15-12G
2023-08-08 8-K
2023-07-31 S-8 POS
2023-07-31 S-8 POS
2023-07-31 25
2023-07-20 8-K
2023-07-20 8-K
2023-06-28 11-K
2023-05-12 10-Q
2023-04-27 8-K

Executive team

NameTitleCompensationGender
Curtis T. Evatt President, Chief Executive Officer & Director 369.4K male
Charles Todd Latiff Executive Vice President & Chief Banking Officer 255.1K male
David H. Stafford Executive Vice President & Chief Operating Officer 232.6K male
John W. Hobbs Executive Vice President, Chief Financial Officer & Director 219.1K male
Harry Mays Jr. Secretary & Independent Director 36.5K male
Ruth Murray Senior VP, Treasurer & Controller of Seneca Main Branch
Sheila Alexander Senior Vice President & Deposit Services Manager of Seneca Main Annex Branch
Susan S. Sloan Senior VP & Credit Administration Manager of Toccoa Branch
Timothy Pitts Senior VP & Risk Management Officer of Seneca Main Annex
Brian Savage Senior VP & Credit Administration Manager of Toccoa Branch
William C. Barker Senior Vice President, Senior Credit Officer of Seneca Main Annex Branch & Director male
Cynthia H. Swafford Senior Vice President & Business Development Officer female
ESG Rating
B+
BANKS - REGIONAL
2023
E (Environmental)
85.2 / 64.3
Company / Sector avg.
S (Social)
70.1 / 76.5
Company / Sector avg.
G (Governance)
66.3 / 75.5
Company / Sector avg.
ESG Total
73.9 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits