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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

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Interest Coverage 2.03
ONFC's Interest Coverage is ranked lower than
99.99% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. ONFC: 2.03 )
Ranked among companies with meaningful Interest Coverage only.
ONFC' s Interest Coverage Range Over the Past 10 Years
Min: 0  Med: 0 Max: 2.03
Current: 2.03
0
2.03
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 : 2/10

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» ONFC's 10-Y Financials

Financials (Next Earnings Date: 0)


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

» Details

Guru Trades

ONFC Guru Trades in

Q2 2015

ONFC Guru Trades in Q2 2015

Jim Simons 17,300 sh (New)
» More
Q3 2015

ONFC Guru Trades in Q3 2015

Jim Simons 20,600 sh (+19.08%)
» More
Q4 2015

ONFC Guru Trades in Q4 2015

Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with ONFC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:RVSB, NAS:MLVF, NAS:TSBK, NAS:ICBK, NAS:OFED, NAS:PBIP, NAS:PROV, NAS:ESSA, NAS:SIFI, NAS:FCAP, NAS:LSBG, OTCPK:SFDL, NAS:FSBK, NAS:CBNK, NAS:GCBC, OTCBB:NWIN, NAS:FNWB, NAS:HFBC, NAS:LSBK, OTCBB:NIDB » 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.

Ratios

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Dividend & Buy Back

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Dividend Yield 2.39
ONFC's Dividend Yield is ranked lower than
57% of the 2376 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.79 vs. ONFC: 2.39 )
Ranked among companies with meaningful Dividend Yield only.
ONFC' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0 Max: 2.39
Current: 2.39
0
2.39
Dividend Payout 0.95
ONFC's Dividend Payout is ranked lower than
94% of the 1294 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. ONFC: 0.95 )
Ranked among companies with meaningful Dividend Payout only.
ONFC' s Dividend Payout Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.95
Current: 0.95
0
0.95
Forward Dividend Yield 2.39
ONFC's Forward Dividend Yield is ranked lower than
61% of the 2299 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.98 vs. ONFC: 2.39 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.39
ONFC's Yield on cost (5-Year) is ranked lower than
67% of the 2629 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. ONFC: 2.39 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ONFC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 2.39
Current: 2.39
0
2.39

Valuation & Return

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More Statistics

Revenue (TTM) (Mil) $53.10
EPS (TTM) $ 0.52
Short Percentage of Float1.93%
52-Week Range $12.50 - 22.58
Shares Outstanding (Mil)7.02

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