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

Trailing 12 months to March 31, 2023

Revenue $18.3M -11.2% YoY

Net Income $4.1M -20.5% YoY

EPS (Diluted) $0.74 +5.7% YoY

Free Cash Flow $5.2M -14.0% YoY

Source SEC Filings (10-K/10-Q) Latest period Q3 FY2023, ended Mar 31, 2023 Reported May 12, 2023 Currency USD FYE June

Oconee Fed Finl Corp (OFED) reported $18.3M in revenue over the twelve months to Mar 31, 2023, down 11.2% from the prior twelve months. This page shows its 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).

Rhea AI OFED FY2022 2026-08-30

Improving earnings efficiency is paired with a shrinking equity cushion, making leverage the dominant mechanic in this institution’s reported results.

Net margin climbed from 24.4% in FY2021 to 25.0% in FY2022, while revenue slipped to $16.4M; this is better earnings efficiency without top-line expansion. The improvement accompanied FY2022 interest expense of $1.1M, so funding costs may have contributed, although the tables do not isolate the exact cause.

FY2022 operating cash flow was $5.7M versus net income of $4.1M, indicating reported earnings were backed by cash generation rather than merely accruals. Free cash flow reached $5.5M against capital expenditures of $214K, showing little reported reinvestment was needed to produce that cash.

By FY2022, liabilities stood at $469.5M while equity had fallen to $75.3M, leaving less capital beneath the creditor base. Debt-to-equity reached 6.2x, while ROA stayed at 0.8%; the higher leverage therefore reflects a thinner equity denominator more than improved asset productivity.

Financial Health Signals

Financial health score not available

Oconee Fed Finl Corp does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

4/6

Oconee Fed Finl Corp passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 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.

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.

EBITDA

Not reported for fiscal year 2022.

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 as of fiscal year 2022; long-term debt is not reported for that period.

Dividends Per Share

$0.40

YoY0.0%

5Y CAGR0.0%

10Y CAGR+2.9%

Oconee Fed Finl Corp paid $0.40 per share in dividends in fiscal year 2022. That is unchanged from the prior year.

Shares Outstanding

YoY+0.3%

5Y CAGR-0.5%

10Y CAGR-1.3%

Oconee Fed Finl Corp had 6M shares outstanding in fiscal year 2022. This represents an increase of 0.3% from the prior year.

Margins & Returns

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.

Gross Margin

Not reported for fiscal year 2022.

Operating Margin

Not reported for fiscal year 2022.

Capital Allocation

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.

R&D Spending

Not reported for fiscal year 2022.

OFED Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

OFED quarterly income statement

Metric	TTM	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$18.3M	$16.4M-1.5%	$16.7M-10.9%	$18.7M-0.7%	$18.8M+10.6%	$17.0M-0.6%	$17.2M-3.4%	$17.8M+9.7%	$16.2M+24.7%	$13.0M-7.3%	$14.0M-8.4%	$15.3M+0.2%	$15.2M
SG&A Expenses	$197K	$171K-21.9%	$219K+3.8%	$211K+9.3%	$193K-15.4%	$228K-1.3%	$231K+3.6%	$223K-8.2%	$243K+78.7%	$136K+1.5%	$134K-7.6%	$145K+88.3%	$77K
Interest Expense	$2.7M	$1.1M-40.3%	$1.8M-53.2%	$3.9M+8.4%	$3.6M+98.5%	$1.8M+36.7%	$1.3M+11.4%	$1.2M-3.3%	$1.2M-17.0%	$1.5M-31.9%	$2.2M-32.1%	$3.2M-35.3%	$4.9M
Income Tax	$1.1M	$973K-8.6%	$1.1M+18.2%	$900K+3.0%	$874K-48.7%	$1.7M+15.4%	$1.5M-27.3%	$2.0M-24.5%	$2.7M+31.2%	$2.0M-15.7%	$2.4M-5.4%	$2.6M+88.3%	$1.4M
Net Income	$4.1M	$4.1M+0.8%	$4.1M+5.2%	$3.9M+3.9%	$3.7M+22.6%	$3.0M-45.1%	$5.5M+5.3%	$5.2M+16.3%	$4.5M+24.0%	$3.6M-9.9%	$4.0M+0.7%	$4.0M+74.6%	$2.3M
EPS (Diluted)	$0.74	$0.73+1.4%	$0.72+7.5%	$0.67+4.7%	$0.64+23.1%	$0.52-45.3%	$0.95+5.6%	$0.90+15.4%	$0.78+21.9%	$0.64-4.5%	$0.67+3.1%	$0.65	$0.81

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
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
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+26.3%	$0.190.0%	$0.19-13.6%	$0.22+57.1%	$0.14	$0.15

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

OFED Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

OFED quarterly balance sheet

Metric	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$544.8M+0.2%	$543.7M+5.5%	$515.6M-2.3%	$527.8M+8.2%	$488.0M+1.4%	$481.3M-0.9%	$485.6M+2.2%	$475.3M+31.9%	$360.5M-2.6%	$370.1M-2.0%	$377.8M+0.9%	$374.3M
Cash & Equivalents	$9.7M-68.2%	$30.6M-11.4%	$34.6M-5.7%	$36.7M+270.2%	$9.9M-52.2%	$20.7M-25.0%	$27.7M+5.7%	$26.2M+120.3%	$11.9M-68.7%	$37.9M-20.3%	$47.6M-21.7%	$60.8M
Goodwill	$2.6M0.0%	$2.6M0.0%	$2.6M0.0%	$2.6M0.0%	$2.6M0.0%	$2.6M0.0%	$2.6M0.0%	$2.6M	N/A	N/A	N/A	N/A
Total Liabilities	$469.5M+3.1%	$455.6M+6.6%	$427.3M-2.8%	$439.5M+9.0%	$403.1M+2.0%	$395.4M-1.2%	$400.2M+1.4%	$394.6M+39.2%	$283.5M-3.5%	$293.9M-0.3%	$294.8M+0.2%	$294.1M
Total Equity	$75.3M-14.6%	$88.1M-0.2%	$88.3M0.0%	$88.3M+4.0%	$84.9M-1.3%	$86.0M+0.7%	$85.4M+5.7%	$80.8M+4.9%	$77.0M+1.1%	$76.2M-8.2%	$83.0M+3.5%	$80.2M
Retained Earnings	$82.8M+2.3%	$80.9M+2.3%	$79.1M+2.1%	$77.5M+1.7%	$76.1M+1.3%	$75.2M+4.5%	$71.9M+4.3%	$69.0M+3.4%	$66.7M+2.1%	$65.3M+2.5%	$63.7M+3.5%	$61.5M

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
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
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
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

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.

OFED Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

OFED quarterly cash flow statement

Metric	TTM	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$5.3M	$5.7M+15.9%	$4.9M-3.3%	$5.1M-6.3%	$5.4M-14.8%	$6.4M+4.1%	$6.1M-24.8%	$8.2M+42.2%	$5.7M+28.4%	$4.5M-28.1%	$6.2M+20.6%	$5.2M+26.5%	$4.1M
Capital Expenditures	$171K	$214K-17.1%	$258K-86.0%	$1.8M+2.0%	$1.8M+170.7%	$669K+243.1%	$195K-4.4%	$204K-53.1%	$435K+186.2%	$152K+117.1%	$70K-54.2%	$153K+920.0%	$15K
Free Cash Flow	$5.2M	$5.5M+17.7%	$4.7M+43.9%	$3.2M-10.5%	$3.6M-36.5%	$5.7M-3.8%	$5.9M-25.3%	$7.9M+50.0%	$5.3M+22.8%	$4.3M-29.8%	$6.1M+22.9%	$5.0M+23.2%	$4.1M
Investing Cash Flow	-$60.4M	-$37.5M-9.4%	-$34.3M-412.2%	$11.0M+199.3%	-$11.1M+50.1%	-$22.2M-424.6%	-$4.2M	N/A	N/A	N/A	N/A	N/A	N/A
Financing Cash Flow	$51.2M	$10.9M-57.2%	$25.4M+239.8%	-$18.2M-156.1%	$32.4M+555.3%	$4.9M+156.0%	-$8.8M	N/A	N/A	N/A	N/A	N/A	N/A
Dividends Paid	$2.2M	$2.2M+0.5%	$2.2M-1.3%	$2.2M+0.7%	$2.2M+0.1%	$2.2M-0.5%	$2.2M-1.4%	$2.3M+0.4%	$2.2M+0.3%	$2.2M-7.5%	$2.4M+17.5%	$2.1M+827.0%	$222K
Share Buybacks	N/A	$658K-46.6%	$1.2M-68.7%	$3.9M+148.1%	$1.6M+270.8%	$428K-71.2%	$1.5M+46.7%	$1.0M+2794.3%	$35K-97.8%	$1.6M-79.1%	$7.8M+5415.6%	$141K	N/A

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+1166.7%	-$3K-95.5%	$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

Margins and returns are percentages; the remaining ratios are unitless multiples.

OFED quarterly financial ratios

Metric	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	25.0%+0.6pp	24.4%+3.7pp	20.6%+0.9pp	19.7%+1.9pp	17.8%-14.4pp	32.2%+2.7pp	29.5%+1.7pp	27.9%-0.2pp	28.0%-0.8pp	28.9%+2.6pp	26.3%+11.2pp	15.1%
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%+0.3pp	6.1%+0.6pp	5.6%+0.9pp	4.7%-0.6pp	5.3%+0.5pp	4.8%+2.0pp	2.9%
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%+0.1pp	1.1%+0.1pp	0.9%-0.1pp	1.0%-0.1pp	1.1%0.0pp	1.1%+0.4pp	0.6%
Debt-to-Equity	6.24+1.1x	5.17+0.3x	4.84-0.1x	4.98+0.2x	4.75+0.2x	4.60-0.1x	4.69-0.2x	4.88+1.2x	3.68-0.2x	3.86+0.3x	3.55-0.1x	3.67
FCF Margin	33.5%+5.4pp	28.0%+10.7pp	17.3%-1.9pp	19.2%-14.3pp	33.5%-1.1pp	34.6%-10.2pp	44.8%+12.0pp	32.7%-0.5pp	33.2%-10.7pp	43.9%+11.2pp	32.7%+6.1pp	26.6%

Metric	Q3'23	Q2'23	Q1'23	Q4'22	Q3'22	Q2'22	Q1'22	Q4'21
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%
Debt-to-Equity	6.99+0.1x	6.890.0x	6.91+0.7x	6.24+0.5x	5.75+0.6x	5.13	N/A	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%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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Where Oconee Fed Finl Corp Ranks

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 6M 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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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.