Oconee Federal Financial Corp. OFED OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

65/100

3/6 Pass

SharesGrow Intrinsic Value

N/A

Negative cash flow

Income Statement Balance Sheet Cash Flow Statement

Annual Quarterly

Oconee Federal Financial Corp. (OFED) reported total assets of $668.19M and total liabilities of $583.91M for fiscal year 2025, resulting in total equity of $84.28M.

The company held $122.83M in cash and short-term investments. Total debt stood at $35.75M, with net debt of $15.43M. The Debt-to-Equity (D/E) ratio was 0.42 (conservative).

Current ratio is 0.23, which may signal tight short-term liquidity. Interest coverage is 0.4x (weak).

Criteria supported by this page:

HEALTH (33/100, Fail) — the balance sheet shows elevated risk in debt or liquidity metrics
MOAT (35/100) — Total assets $668.19M and equity $84.28M support the company's competitive scale
VALUE (75/100) — Debt-to-Equity 0.42 contributes to the overall valuation risk assessment

Overall SharesGrow Score: 63/100 with 3/7 criteria passed.

SharesGrow 7-Criteria Score

65/100

SG Score

View full scorecard →

✓

VALUE

75/100

Price-to-Earnings & upside

→ Valuation

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FUTURE

N/A

No coverage

✓

PAST

100/100

→ Income

✗

HEALTH

33/100

Debt-to-Equity & liquidity

Proven by this page

✗

MOAT

35/100

→ Income

✓

GROWTH

90/100

→ Income

INCOME

55/100

→ Income

Oconee Federal Financial Corp. Balance Sheet History

Metric	FY2025	FY2024	FY2023	FY2022
Total Assets	$668.19M	$665.72M	$595.54M	$544.79M
Total Liabilities	$583.91M	$586.95M	$523.75M	$469.54M
Total Debt	$35.75M	$55.95M	$46M	$9M
Cash & Investments	$122.83M	$0.00	$-4.66M	$161.03M
Total Stockholders Equity	$84.28M	$78.77M	$71.79M	$75.26M