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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt No Debt
ONFC's Cash to Debt is ranked higher than
98% of the 973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. ONFC: No Debt )
Ranked among companies with meaningful Cash to Debt only.
ONFC' s 10-Year Cash to Debt Range
Min: 0.09  Med: 0.25 Max: No Debt
Current: No Debt
Equity to Asset 0.11
ONFC's Equity to Asset is ranked higher than
58% of the 1290 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. ONFC: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
ONFC' s 10-Year Equity to Asset Range
Min: 0.09  Med: 0.12 Max: 0.17
Current: 0.11
0.09
0.17
Interest Coverage 2.50
ONFC's Interest Coverage is ranked higher than
61% of the 1205 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. ONFC: 2.50 )
Ranked among companies with meaningful Interest Coverage only.
ONFC' s 10-Year Interest Coverage Range
Min: 0.31  Med: 0.63 Max: 3.28
Current: 2.5
0.31
3.28
F-Score: 4
WACC vs ROIC
14.57%
8.17%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 12.23
ONFC's Operating margin (%) is ranked lower than
83% of the 1357 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.54 vs. ONFC: 12.23 )
Ranked among companies with meaningful Operating margin (%) only.
ONFC' s 10-Year Operating margin (%) Range
Min: -663.87  Med: 17.63 Max: 34.86
Current: 12.23
-663.87
34.86
Net-margin (%) 9.61
ONFC's Net-margin (%) is ranked lower than
83% of the 1356 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.24 vs. ONFC: 9.61 )
Ranked among companies with meaningful Net-margin (%) only.
ONFC' s 10-Year Net-margin (%) Range
Min: -6.62  Med: 13.27 Max: 109.94
Current: 9.61
-6.62
109.94
ROE (%) 5.41
ONFC's ROE (%) is ranked lower than
69% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.13 vs. ONFC: 5.41 )
Ranked among companies with meaningful ROE (%) only.
ONFC' s 10-Year ROE (%) Range
Min: -3.01  Med: 6.38 Max: 7.56
Current: 5.41
-3.01
7.56
ROA (%) 0.64
ONFC's ROA (%) is ranked lower than
61% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. ONFC: 0.64 )
Ranked among companies with meaningful ROA (%) only.
ONFC' s 10-Year ROA (%) Range
Min: -0.32  Med: 0.84 Max: 0.95
Current: 0.64
-0.32
0.95
ROC (Joel Greenblatt) (%) 32.41
ONFC's ROC (Joel Greenblatt) (%) is ranked lower than
73% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 74.52 vs. ONFC: 32.41 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
ONFC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -17.6  Med: 39.92 Max: 143.4
Current: 32.41
-17.6
143.4
Revenue Growth (3Y)(%) 6.20
ONFC's Revenue Growth (3Y)(%) is ranked higher than
69% of the 1149 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. ONFC: 6.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ONFC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 9.45 Max: 25.1
Current: 6.2
0
25.1
EBITDA Growth (3Y)(%) -4.80
ONFC's EBITDA Growth (3Y)(%) is ranked lower than
78% of the 1011 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.10 vs. ONFC: -4.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ONFC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 4.85 Max: 16
Current: -4.8
0
16
EPS Growth (3Y)(%) -3.80
ONFC's EPS Growth (3Y)(%) is ranked lower than
76% of the 1020 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. ONFC: -3.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ONFC' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: 4.80 Max: 18
Current: -3.8
0
18
» ONFC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 27.66
ONFC's P/E(ttm) is ranked lower than
86% of the 1244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. ONFC: 27.66 )
Ranked among companies with meaningful P/E(ttm) only.
ONFC' s 10-Year P/E(ttm) Range
Min: 10.54  Med: 17.62 Max: 32.63
Current: 27.66
10.54
32.63
Forward P/E 9.70
ONFC's Forward P/E is ranked higher than
73% of the 750 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.38 vs. ONFC: 9.70 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 27.70
ONFC's PE(NRI) is ranked lower than
86% of the 1217 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. ONFC: 27.70 )
Ranked among companies with meaningful PE(NRI) only.
ONFC' s 10-Year PE(NRI) Range
Min: 10.55  Med: 17.49 Max: 32.56
Current: 27.7
10.55
32.56
P/B 1.45
ONFC's P/B is ranked lower than
74% of the 1351 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. ONFC: 1.45 )
Ranked among companies with meaningful P/B only.
ONFC' s 10-Year P/B Range
Min: 0.61  Med: 1.25 Max: 2.07
Current: 1.45
0.61
2.07
P/S 2.66
ONFC's P/S is ranked higher than
57% of the 1422 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. ONFC: 2.66 )
Ranked among companies with meaningful P/S only.
ONFC' s 10-Year P/S Range
Min: 1.33  Med: 2.01 Max: 4.44
Current: 2.66
1.33
4.44
PFCF 34.62
ONFC's PFCF is ranked lower than
87% of the 825 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.60 vs. ONFC: 34.62 )
Ranked among companies with meaningful PFCF only.
ONFC' s 10-Year PFCF Range
Min: 4.46  Med: 10.21 Max: 65.83
Current: 34.62
4.46
65.83
POCF 21.29
ONFC's POCF is ranked lower than
83% of the 930 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.17 vs. ONFC: 21.29 )
Ranked among companies with meaningful POCF only.
ONFC' s 10-Year POCF Range
Min: 4.28  Med: 10.98 Max: 107.5
Current: 21.29
4.28
107.5
EV-to-EBIT 13.91
ONFC's EV-to-EBIT is ranked higher than
52% of the 1366 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. ONFC: 13.91 )
Ranked among companies with meaningful EV-to-EBIT only.
ONFC' s 10-Year EV-to-EBIT Range
Min: -44.6  Med: 12.50 Max: 36.4
Current: 13.91
-44.6
36.4
PEG 4.62
ONFC's PEG is ranked lower than
89% of the 542 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. ONFC: 4.62 )
Ranked among companies with meaningful PEG only.
ONFC' s 10-Year PEG Range
Min: 1.05  Med: 3.89 Max: 7.1
Current: 4.62
1.05
7.1
Shiller P/E 26.26
ONFC's Shiller P/E is ranked lower than
77% of the 771 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.62 vs. ONFC: 26.26 )
Ranked among companies with meaningful Shiller P/E only.
ONFC' s 10-Year Shiller P/E Range
Min: 16.42  Med: 22.08 Max: 35
Current: 26.26
16.42
35
Days Sales Outstanding 18.15
ONFC's Days Sales Outstanding is ranked higher than
84% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 35.19 vs. ONFC: 18.15 )
Ranked among companies with meaningful Days Sales Outstanding only.
ONFC' s 10-Year Days Sales Outstanding Range
Min: 15.76  Med: 31.76 Max: 604.55
Current: 18.15
15.76
604.55

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.35
ONFC's Dividend Yield is ranked lower than
56% of the 2112 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.57 vs. ONFC: 2.35 )
Ranked among companies with meaningful Dividend Yield only.
ONFC' s 10-Year Dividend Yield Range
Min: 2.31  Med: 4.07 Max: 8.21
Current: 2.35
2.31
8.21
Dividend Payout 0.65
ONFC's Dividend Payout is ranked lower than
85% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.24 vs. ONFC: 0.65 )
Ranked among companies with meaningful Dividend Payout only.
ONFC' s 10-Year Dividend Payout Range
Min: 0.41  Med: 1.00 Max: 12
Current: 0.65
0.41
12
Yield on cost (5-Year) 2.14
ONFC's Yield on cost (5-Year) is ranked lower than
65% of the 2110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.91 vs. ONFC: 2.14 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ONFC' s 10-Year Yield on cost (5-Year) Range
Min: 2.1  Med: 3.70 Max: 7.46
Current: 2.14
2.1
7.46
Share Buyback Rate 0.20
ONFC's Share Buyback Rate is ranked higher than
76% of the 931 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.50 vs. ONFC: 0.20 )
Ranked among companies with meaningful Share Buyback Rate only.
ONFC' s 10-Year Share Buyback Rate Range
Min: 0  Med: 0.55 Max: -1.7
Current: 0.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.01
ONFC's Price/Tangible Book is ranked lower than
83% of the 1331 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. ONFC: 2.01 )
Ranked among companies with meaningful Price/Tangible Book only.
ONFC' s 10-Year Price/Tangible Book Range
Min: 0.74  Med: 1.90 Max: 3.34
Current: 2.01
0.74
3.34
Price/Projected FCF 0.89
ONFC's Price/Projected FCF is ranked lower than
70% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.68 vs. ONFC: 0.89 )
Ranked among companies with meaningful Price/Projected FCF only.
ONFC' s 10-Year Price/Projected FCF Range
Min: 0.42  Med: 0.95 Max: 2.69
Current: 0.89
0.42
2.69
Price/Median PS Value 1.32
ONFC's Price/Median PS Value is ranked lower than
75% of the 1286 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. ONFC: 1.32 )
Ranked among companies with meaningful Price/Median PS Value only.
ONFC' s 10-Year Price/Median PS Value Range
Min: 0.67  Med: 1.43 Max: 3.16
Current: 1.32
0.67
3.16
Price/Peter Lynch Fair Value 3.69
ONFC's Price/Peter Lynch Fair Value is ranked lower than
99% of the 357 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.99 vs. ONFC: 3.69 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
ONFC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.99  Med: 3.31 Max: 4.82
Current: 3.69
0.99
4.82
Price/Graham Number 1.58
ONFC's Price/Graham Number is ranked lower than
89% of the 1154 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.88 vs. ONFC: 1.58 )
Ranked among companies with meaningful Price/Graham Number only.
ONFC' s 10-Year Price/Graham Number Range
Min: 0.67  Med: 1.30 Max: 2.28
Current: 1.58
0.67
2.28
Earnings Yield (Greenblatt) (%) 7.38
ONFC's Earnings Yield (Greenblatt) (%) is ranked higher than
57% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. ONFC: 7.38 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ONFC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.7  Med: 7.65 Max: 16.4
Current: 7.38
2.7
16.4
Forward Rate of Return (Yacktman) (%) 12.88
ONFC's Forward Rate of Return (Yacktman) (%) is ranked lower than
52% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. ONFC: 12.88 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ONFC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 1.7  Med: 7.50 Max: 22.7
Current: 12.88
1.7
22.7

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Oneida Financial Corp is a Maryland corporation. The Company is the holding Company of The Oneida Savings Bank, a New York-chartered savings bank. Oneida Savings Bank's deposits are insured by the FDIC up to the maximum amount permitted by law. The Bank is a community bank engaged in the business of accepting deposits from customers through its main office and 10 full service branch offices and using those deposits, together with funds generated from operations and borrowings to make one-to-four family residential and commercial real estate loans, consumer loans and commercial business loans and to invest in mortgage-backed and other securities. Municipal deposit banking services are provided through a limited purpose commercial bank subsidiary, The State Bank of Chittenango. The Bank also sells insurance and other commercial services and products, provides employee benefit services and offers risk management services to help mitigate and prevent work related injuries through Bailey & Haskell Associates, Inc., a wholly owned subsidiary, and provides financial and investment advisory services through Oneida Wealth Management Inc., a wholly owned subsidiary. Its deposit accounts consist of savings, interest-bearing demand accounts, non-interest-bearing checking accounts, money market accounts and certificates of deposit. It also offers IRAs and other qualified plan accounts. Its primary lending area is Madison and Oneida Counties in New York and the surrounding counties and its deposit customers reside in the same area. It competes with commercial banks, savings institutions, mortgage banking firms, credit unions, finance companies, mutual funds, insurance companies, and brokerage and investment banking firms operating locally and elsewhere. The Company subject to extensive regulation, supervision and examination by the Federal Deposit Insurance Corporation, the New York State Department of Financial Services and the Federal Reserve Board.
» More Articles for ONFC

Headlines

Articles On GuruFocus.com
8 Cheap Dividend Stocks That Crossed New 52-Week Highs Oct 13 2012 
Dec 11 2011 
Weekly CEO Buys Highlight: UTHR, SUSS, ONFC, FSC, FBP Dec 11 2011 
Oneida Financial Corp. Reports Operating Results (10-Q) May 17 2010 
Oneida Financial Corp. Reports Operating Results (10-Q) Nov 13 2009 
Oneida Financial Corp. Reports Operating Results (10-Q) Aug 14 2009 
Oneida Financial Corp. (ONFC) EVP and CFO Eric Stickels sells 1,000 Shares Aug 10 2009 
Oneida Financial Corp. Reports Operating Results (10-Q) May 15 2009 

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