What is Oconee Fed Finl Corp's earnings per share (EPS)?

Oconee Fed Finl Corp (OFED) reported diluted earnings per share of $0.73 for fiscal year 2022. This represents a 1.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Oconee Fed Finl Corp Financials

OFED

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2023 Currency USD FYE June

This page shows Oconee Fed Finl Corp (OFED) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 12 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 39/100

Based on FY2022 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Oconee Fed Finl Corp's revenue declined 1.5% year-over-year, from $16.7M to $16.4M. This contraction results in a growth score of 31/100.

Leverage

Oconee Fed Finl Corp has elevated debt relative to equity (D/E of 6.24), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Oconee Fed Finl Corp converts 33.5% of revenue into free cash flow ($5.5M). This strong cash generation earns a score of 100/100.

Returns

Oconee Fed Finl Corp generates a 5.5% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 23/100. This is up from 4.6% the prior year.

Piotroski F-Score Neutral

4/9

Oconee Fed Finl Corp passes 4 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.39x

For every $1 of reported earnings, Oconee Fed Finl Corp generates $1.39 in operating cash flow ($5.7M OCF vs $4.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$16.4M

YoY-1.5%

5Y CAGR-0.9%

10Y CAGR+0.7%

Oconee Fed Finl Corp generated $16.4M in revenue in fiscal year 2022. This represents a decrease of 1.5% from the prior year.

EBITDA

N/A

Net Income

$4.1M

YoY+0.8%

5Y CAGR-5.8%

10Y CAGR+0.2%

Oconee Fed Finl Corp reported $4.1M in net income in fiscal year 2022. This represents an increase of 0.8% from the prior year.

EPS (Diluted)

$0.73

YoY+1.4%

5Y CAGR-5.1%

10Y CAGR+1.2%

Oconee Fed Finl Corp earned $0.73 per diluted share (EPS) in fiscal year 2022. This represents an increase of 1.4% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$5.5M

YoY+17.7%

5Y CAGR-1.5%

10Y CAGR+1.0%

Oconee Fed Finl Corp generated $5.5M in free cash flow in fiscal year 2022, representing cash available after capex. This represents an increase of 17.7% from the prior year.

Cash & Debt

$9.7M

YoY-68.2%

5Y CAGR-14.0%

10Y CAGR-14.7%

Oconee Fed Finl Corp held $9.7M in cash against $0 in long-term debt as of fiscal year 2022.

Dividends Per Share

$0.40

YoY+0.0%

5Y CAGR+0.0%

10Y CAGR+2.9%

Oconee Fed Finl Corp paid $0.40 per share in dividends in fiscal year 2022. This represents an increase of 0.0% from the prior year.

Shares Outstanding

YoY+0.6%

5Y CAGR+0.4%

10Y CAGR+0.3%

Oconee Fed Finl Corp had 7M shares outstanding in fiscal year 2022. This represents an increase of 0.6% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

25.0%

YoY+0.6pp

5Y CAGR-7.3pp

10Y CAGR-1.3pp

Oconee Fed Finl Corp's net profit margin was 25.0% in fiscal year 2022, showing the share of revenue converted to profit. This is up 0.6 percentage points from the prior year.

Return on Equity

5.5%

YoY+0.8pp

5Y CAGR-1.0pp

10Y CAGR+0.6pp

Oconee Fed Finl Corp's ROE was 5.5% in fiscal year 2022, measuring profit generated per dollar of shareholder equity. This is up 0.8 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$658K

YoY-46.6%

5Y CAGR-15.0%

10Y CAGR+16.7%

Oconee Fed Finl Corp spent $658K on share buybacks in fiscal year 2022, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 46.6% from the prior year.

Capital Expenditures

$214K

YoY-17.1%

5Y CAGR+1.9%

10Y CAGR+3.4%

Oconee Fed Finl Corp invested $214K in capex in fiscal year 2022, funding long-term assets and infrastructure. This represents a decrease of 17.1% from the prior year.

OFED Income Statement

Metric	FY22	FY21	FY20	FY19	FY18	FY17
Revenue	$16.4M-1.5%	$16.7M-10.9%	$18.7M-0.7%	$18.8M+10.6%	$17.0M-0.6%	$17.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$171K-21.9%	$219K+3.8%	$211K+9.3%	$193K-15.4%	$228K-1.3%	$231K
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.1M-40.3%	$1.8M-53.2%	$3.9M+8.4%	$3.6M+98.5%	$1.8M+36.7%	$1.3M
Income Tax	$973K-8.6%	$1.1M+18.2%	$900K+3.0%	$874K-48.7%	$1.7M+15.4%	$1.5M
Net Income	$4.1M+0.8%	$4.1M+5.2%	$3.9M+3.9%	$3.7M+22.6%	$3.0M-45.1%	$5.5M
EPS (Diluted)	$0.73+1.4%	$0.72+7.5%	$0.67+4.7%	$0.64+23.1%	$0.52-45.3%	$0.95

Metric	Q3'23	Q2'23	Q1'23	Q4'22	Q3'22	Q2'22	Q1'22	Q4'21
Revenue	$5.0M+7.0%	$4.6M+3.1%	$4.5M+5.9%	$4.2M+5.1%	$4.0M-5.6%	$4.3M+9.4%	$3.9M-53.7%	$8.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$42K-39.1%	$69K+53.3%	$45K+9.8%	$41K+5.1%	$39K-30.4%	$56K+60.0%	$35K-63.1%	$95K
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.6M+139.4%	$650K+128.9%	$284K+27.4%	$223K-9.7%	$247K-14.2%	$288K-12.5%	$329K-64.4%	$923K
Income Tax	$169K-30.7%	$244K-38.4%	$396K+29.8%	$305K+0.3%	$304K+106.8%	$147K-32.3%	$217K-63.4%	$594K
Net Income	$628K-42.7%	$1.1M-18.1%	$1.3M+27.8%	$1.0M+0.4%	$1.0M-15.5%	$1.2M+60.3%	$771K-63.7%	$2.1M
EPS (Diluted)	$0.11-45.0%	$0.20-16.7%	$0.24	N/A	$0.19-13.6%	$0.22+57.1%	$0.14	N/A

OFED Balance Sheet

Metric	FY22	FY21	FY20	FY19	FY18	FY17
Total Assets	$544.8M+0.2%	$543.7M+5.5%	$515.6M-2.3%	$527.8M+8.2%	$488.0M+1.4%	$481.3M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$9.7M-68.2%	$30.6M-11.4%	$34.6M-5.7%	$36.7M+270.2%	$9.9M-52.2%	$20.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$2.6M0.0%	$2.6M0.0%	$2.6M0.0%	$2.6M0.0%	$2.6M0.0%	$2.6M
Total Liabilities	$469.5M+3.1%	$455.6M+6.6%	$427.3M-2.8%	$439.5M+9.0%	$403.1M+2.0%	$395.4M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$75.3M-14.6%	$88.1M-0.2%	$88.3M0.0%	$88.3M+4.0%	$84.9M-1.3%	$86.0M
Retained Earnings	$82.8M+2.3%	$80.9M+2.3%	$79.1M+2.1%	$77.5M+1.7%	$76.1M+1.3%	$75.2M

Metric	Q3'23	Q2'23	Q1'23	Q4'22	Q3'22	Q2'22	Q1'22	Q4'21
Total Assets	$588.1M+4.1%	$565.2M+3.0%	$549.0M+0.8%	$544.8M+0.8%	$540.3M+0.6%	$537.0M+98869.8%	$543K-99.9%	$543.7M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$7.7M+9.5%	$7.0M-11.0%	$7.9M-19.1%	$9.7M-15.1%	$11.5M+49.4%	$7.7M+41114.4%	$19K-99.9%	$30.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$2.6M0.0%	$2.6M0.0%	$2.6M0.0%	$2.6M0.0%	$2.6M0.0%	$2.6M+99900.0%	$3K-99.9%	$2.6M
Total Liabilities	$514.5M+4.2%	$493.6M+2.9%	$479.6M+2.2%	$469.5M+2.0%	$460.2M+2.4%	$449.3M+616.3%	-$87.0M-119.1%	$455.6M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$73.6M+2.7%	$71.6M+3.3%	$69.4M-7.8%	$75.3M-6.0%	$80.0M-8.7%	$87.7M+0.1%	$87.6M-0.6%	$88.1M
Retained Earnings	$84.2M+0.1%	$84.1M+0.6%	$83.6M+0.9%	$82.8M+0.6%	$82.3M+0.6%	$81.8M+100749.3%	$81K-99.9%	$80.9M

OFED Cash Flow Statement

Metric	FY22	FY21	FY20	FY19	FY18	FY17
Operating Cash Flow	$5.7M+15.9%	$4.9M-3.3%	$5.1M-6.3%	$5.4M-14.8%	$6.4M+4.1%	$6.1M
Capital Expenditures	$214K-17.1%	$258K-86.0%	$1.8M+2.0%	$1.8M+170.7%	$669K+243.1%	$195K
Free Cash Flow	$5.5M+17.7%	$4.7M+43.9%	$3.2M-10.5%	$3.6M-36.5%	$5.7M-3.8%	$5.9M
Investing Cash Flow	-$37.5M-9.4%	-$34.3M-412.2%	$11.0M+199.3%	-$11.1M+50.1%	-$22.2M-424.6%	-$4.2M
Financing Cash Flow	$10.9M-57.2%	$25.4M+239.8%	-$18.2M-156.1%	$32.4M+555.3%	$4.9M+156.0%	-$8.8M
Dividends Paid	$2.2M+0.5%	$2.2M-1.3%	$2.2M+0.7%	$2.2M+0.1%	$2.2M-0.5%	$2.2M
Share Buybacks	$658K-46.6%	$1.2M-68.7%	$3.9M+148.1%	$1.6M+270.8%	$428K-71.2%	$1.5M

Metric	Q3'23	Q2'23	Q1'23	Q4'22	Q3'22	Q2'22	Q1'22	Q4'21
Operating Cash Flow	$1.2M-3.7%	$1.3M-31.4%	$1.8M+79.7%	$1.0M-50.3%	$2.1M+68.0%	$1.2M-11.8%	$1.4M-7.9%	$1.5M
Capital Expenditures	$38K+1366.7%	-$3K-104.5%	$67K-2.9%	$69K+60.5%	$43K+207.1%	$14K-84.1%	$88K+114.6%	$41K
Free Cash Flow	$1.2M-6.5%	$1.3M-29.0%	$1.8M+85.7%	$956K-52.7%	$2.0M+66.4%	$1.2M-6.9%	$1.3M-11.3%	$1.5M
Investing Cash Flow	-$20.3M-30.6%	-$15.5M-17.8%	-$13.2M-15.9%	-$11.4M-38.6%	-$8.2M-45.7%	-$5.6M+54.2%	-$12.3M+8.7%	-$13.5M
Financing Cash Flow	$19.7M+47.2%	$13.4M+41.3%	$9.5M+10.0%	$8.6M-13.3%	$9.9M+251.8%	-$6.5M-483.4%	-$1.1M-114.5%	$7.7M
Dividends Paid	$560K-1.8%	$570K+4.0%	$548K-2.3%	$561K+2.9%	$545K-0.4%	$547K-2.1%	$559K-0.2%	$560K
Share Buybacks	N/A	N/A	N/A	$60K-85.4%	$410K+238.8%	$121K+80.6%	$67K-85.4%	$460K

OFED Financial Ratios

Metric	FY22	FY21	FY20	FY19	FY18	FY17
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	25.0%+0.6pp	24.4%+3.7pp	20.6%+0.9pp	19.7%+1.9pp	17.8%-14.4pp	32.2%
Return on Equity	5.5%+0.8pp	4.6%+0.2pp	4.4%+0.2pp	4.2%+0.6pp	3.6%-2.8pp	6.4%
Return on Assets	0.8%0.0pp	0.8%0.0pp	0.8%+0.0pp	0.7%+0.1pp	0.6%-0.5pp	1.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.24+1.1	5.17+0.3	4.84-0.1	4.98+0.2	4.75+0.2	4.60
FCF Margin	33.5%+5.4pp	28.0%+10.7pp	17.3%-1.9pp	19.2%-14.3pp	33.5%-1.1pp	34.6%

Metric	Q3'23	Q2'23	Q1'23	Q4'22	Q3'22	Q2'22	Q1'22	Q4'21
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	12.7%-11.0pp	23.7%-6.2pp	29.9%+5.1pp	24.8%-1.2pp	25.9%-3.1pp	29.0%+9.2pp	19.8%-5.4pp	25.2%
Return on Equity	0.9%-0.7pp	1.5%-0.4pp	1.9%+0.5pp	1.4%+0.1pp	1.3%-0.1pp	1.4%+0.5pp	0.9%-1.5pp	2.4%
Return on Assets	0.1%-0.1pp	0.2%-0.0pp	0.2%+0.0pp	0.2%0.0pp	0.2%-0.0pp	0.2%-141.9pp	142.1%+141.7pp	0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.99+0.1	6.89-0.0	6.91+0.7	6.24+0.5	5.75+0.6	5.13+6.1	-0.99-6.2	5.17
FCF Margin	23.8%-3.4pp	27.2%-12.3pp	39.6%+17.0pp	22.6%-27.6pp	50.1%+21.7pp	28.5%-5.0pp	33.4%+16.0pp	17.5%

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Frequently Asked Questions

What is Oconee Fed Finl Corp's annual revenue?

Oconee Fed Finl Corp (OFED) reported $16.4M in total revenue for fiscal year 2022. This represents a -1.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Oconee Fed Finl Corp's revenue growing?

Oconee Fed Finl Corp (OFED) revenue declined by 1.5% year-over-year, from $16.7M to $16.4M in fiscal year 2022.

Is Oconee Fed Finl Corp profitable?

Yes, Oconee Fed Finl Corp (OFED) reported a net income of $4.1M in fiscal year 2022, with a net profit margin of 25.0%.

What is Oconee Fed Finl Corp's net profit margin?

Oconee Fed Finl Corp (OFED) had a net profit margin of 25.0% in fiscal year 2022, representing the share of revenue converted into profit after all expenses.

Does Oconee Fed Finl Corp pay dividends?

Yes, Oconee Fed Finl Corp (OFED) paid $0.40 per share in dividends during fiscal year 2022.

What is Oconee Fed Finl Corp's return on equity (ROE)?

Oconee Fed Finl Corp (OFED) has a return on equity of 5.5% for fiscal year 2022, measuring how efficiently the company generates profit from shareholder equity.

What is Oconee Fed Finl Corp's free cash flow?

Oconee Fed Finl Corp (OFED) generated $5.5M in free cash flow during fiscal year 2022. This represents a 17.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Oconee Fed Finl Corp's operating cash flow?

Oconee Fed Finl Corp (OFED) generated $5.7M in operating cash flow during fiscal year 2022, representing cash generated from core business activities.

What are Oconee Fed Finl Corp's total assets?

Oconee Fed Finl Corp (OFED) had $544.8M in total assets as of fiscal year 2022, including both current and long-term assets.

What are Oconee Fed Finl Corp's capital expenditures?

Oconee Fed Finl Corp (OFED) invested $214K in capital expenditures during fiscal year 2022, funding long-term assets and infrastructure.

Does Oconee Fed Finl Corp buy back shares?

Yes, Oconee Fed Finl Corp (OFED) spent $658K on share buybacks during fiscal year 2022, returning capital to shareholders by reducing shares outstanding.

How many shares does Oconee Fed Finl Corp have outstanding?

Oconee Fed Finl Corp (OFED) had 7M shares outstanding as of fiscal year 2022.

What is Oconee Fed Finl Corp's debt-to-equity ratio?

Oconee Fed Finl Corp (OFED) had a debt-to-equity ratio of 6.24 as of fiscal year 2022, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Oconee Fed Finl Corp's return on assets (ROA)?

Oconee Fed Finl Corp (OFED) had a return on assets of 0.8% for fiscal year 2022, measuring how efficiently the company uses its assets to generate profit.

What is Oconee Fed Finl Corp's Piotroski F-Score?

Oconee Fed Finl Corp (OFED) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Oconee Fed Finl Corp's earnings high quality?

Oconee Fed Finl Corp (OFED) has an earnings quality ratio of 1.39x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Oconee Fed Finl Corp?

Oconee Fed Finl Corp (OFED) scores 39 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.