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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 1088 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. ONFC: No Debt )
Ranked among companies with meaningful Cash to Debt only.
ONFC' s Cash to Debt Range Over the Past 10 Years
Min: 0.09  Med: 0.26 Max: No Debt
Current: No Debt
Equity to Asset 0.12
ONFC's Equity to Asset is ranked higher than
69% of the 1578 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. ONFC: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
ONFC' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.12 Max: 0.17
Current: 0.12
0.09
0.17
Interest Coverage 2.03
ONFC's Interest Coverage is ranked higher than
54% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.82 vs. ONFC: 2.03 )
Ranked among companies with meaningful Interest Coverage only.
ONFC' s Interest Coverage Range Over the Past 10 Years
Min: 0.41  Med: 0.87 Max: 3.28
Current: 2.03
0.41
3.28
F-Score: 4
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 (%) 9.07
ONFC's Operating margin (%) is ranked lower than
88% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.86 vs. ONFC: 9.07 )
Ranked among companies with meaningful Operating margin (%) only.
ONFC' s Operating margin (%) Range Over the Past 10 Years
Min: -15.39  Med: 15.96 Max: 20.81
Current: 9.07
-15.39
20.81
Net-margin (%) 6.71
ONFC's Net-margin (%) is ranked lower than
89% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.37 vs. ONFC: 6.71 )
Ranked among companies with meaningful Net-margin (%) only.
ONFC' s Net-margin (%) Range Over the Past 10 Years
Min: -6.62  Med: 11.42 Max: 15.3
Current: 6.71
-6.62
15.3
ROE (%) 3.71
ONFC's ROE (%) is ranked lower than
81% of the 1589 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 vs. ONFC: 3.71 )
Ranked among companies with meaningful ROE (%) only.
ONFC' s ROE (%) Range Over the Past 10 Years
Min: -3.01  Med: 6.45 Max: 7.56
Current: 3.71
-3.01
7.56
ROA (%) 0.43
ONFC's ROA (%) is ranked lower than
75% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. ONFC: 0.43 )
Ranked among companies with meaningful ROA (%) only.
ONFC' s ROA (%) Range Over the Past 10 Years
Min: -0.32  Med: 0.79 Max: 0.95
Current: 0.43
-0.32
0.95
Revenue Growth (3Y)(%) 6.20
ONFC's Revenue Growth (3Y)(%) is ranked higher than
67% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. ONFC: 6.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ONFC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
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
73% of the 1167 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. ONFC: -4.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ONFC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 5.05 Max: 15.8
Current: -4.8
0
15.8
EPS Growth (3Y)(%) -3.50
ONFC's EPS Growth (3Y)(%) is ranked lower than
71% of the 1165 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. ONFC: -3.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ONFC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 4.90 Max: 17.9
Current: -3.5
0
17.9
» ONFC's 10-Y Financials

Financials


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

» Details

Guru Trades

ONFC Guru Trades in

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
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 38.80
ONFC's P/E(ttm) is ranked lower than
94% of the 2164 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.39 vs. ONFC: 38.80 )
Ranked among companies with meaningful P/E(ttm) only.
ONFC' s P/E(ttm) Range Over the Past 10 Years
Min: 10.54  Med: 17.61 Max: 42.95
Current: 38.8
10.54
42.95
Forward P/E 9.70
ONFC's Forward P/E is ranked lower than
54% of the 1322 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.27 vs. ONFC: 9.70 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 38.70
ONFC's PE(NRI) is ranked lower than
93% of the 1679 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.31 vs. ONFC: 38.70 )
Ranked among companies with meaningful PE(NRI) only.
ONFC' s PE(NRI) Range Over the Past 10 Years
Min: 10.55  Med: 17.54 Max: 42.79
Current: 38.7
10.55
42.79
P/B 1.45
ONFC's P/B is ranked lower than
80% of the 2247 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.01 vs. ONFC: 1.45 )
Ranked among companies with meaningful P/B only.
ONFC' s P/B Range Over the Past 10 Years
Min: 0.61  Med: 1.24 Max: 2.1
Current: 1.45
0.61
2.1
P/S 2.66
ONFC's P/S is ranked lower than
52% of the 2511 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.55 vs. ONFC: 2.66 )
Ranked among companies with meaningful P/S only.
ONFC' s P/S Range Over the Past 10 Years
Min: 1.33  Med: 2.01 Max: 4.33
Current: 2.66
1.33
4.33
PFCF 91.36
ONFC's PFCF is ranked lower than
98% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.28 vs. ONFC: 91.36 )
Ranked among companies with meaningful PFCF only.
ONFC' s PFCF Range Over the Past 10 Years
Min: 4.46  Med: 10.53 Max: 101.14
Current: 91.36
4.46
101.14
POCF 29.13
ONFC's POCF is ranked lower than
92% of the 1518 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. ONFC: 29.13 )
Ranked among companies with meaningful POCF only.
ONFC' s POCF Range Over the Past 10 Years
Min: 4.28  Med: 11.36 Max: 107.5
Current: 29.13
4.28
107.5
EV-to-EBIT 20.03
ONFC's EV-to-EBIT is ranked lower than
74% of the 2121 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.36 vs. ONFC: 20.03 )
Ranked among companies with meaningful EV-to-EBIT only.
ONFC' s EV-to-EBIT Range Over the Past 10 Years
Min: -47.1  Med: 12.35 Max: 34.7
Current: 20.03
-47.1
34.7
EV-to-EBITDA 14.63
ONFC's EV-to-EBITDA is ranked lower than
65% of the 2129 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.08 vs. ONFC: 14.63 )
Ranked among companies with meaningful EV-to-EBITDA only.
ONFC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 14.63
Current: 14.63
0
14.63
PEG 7.17
ONFC's PEG is ranked lower than
94% of the 622 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. ONFC: 7.17 )
Ranked among companies with meaningful PEG only.
ONFC' s PEG Range Over the Past 10 Years
Min: 1.11  Med: 3.87 Max: 11.04
Current: 7.17
1.11
11.04
Shiller P/E 32.97
ONFC's Shiller P/E is ranked lower than
87% of the 681 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.38 vs. ONFC: 32.97 )
Ranked among companies with meaningful Shiller P/E only.
ONFC' s Shiller P/E Range Over the Past 10 Years
Min: 17  Med: 21.11 Max: 36.48
Current: 32.97
17
36.48

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.39
ONFC's Dividend Yield is ranked lower than
64% of the 2412 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. ONFC: 2.39 )
Ranked among companies with meaningful Dividend Yield only.
ONFC' s Dividend Yield Range Over the Past 10 Years
Min: 2.16  Med: 4.07 Max: 8.21
Current: 2.39
2.16
8.21
Dividend Payout 0.95
ONFC's Dividend Payout is ranked lower than
93% of the 1441 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. ONFC: 0.95 )
Ranked among companies with meaningful Dividend Payout only.
ONFC' s Dividend Payout Range Over the Past 10 Years
Min: 0.41  Med: 1.00 Max: 12
Current: 0.95
0.41
12
Forward Dividend Yield 2.39
ONFC's Forward Dividend Yield is ranked lower than
69% of the 2191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.26 vs. ONFC: 2.39 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.17
ONFC's Yield on cost (5-Year) is ranked lower than
70% of the 2446 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.42 vs. ONFC: 2.17 )
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: 1.96  Med: 3.70 Max: 7.46
Current: 2.17
1.96
7.46
3-Year Average Share Buyback Ratio 0.20
ONFC's 3-Year Average Share Buyback Ratio is ranked higher than
80% of the 1061 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. ONFC: 0.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ONFC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1.7  Med: 0.55 Max: 0
Current: 0.2
-1.7
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.99
ONFC's Price/Tangible Book is ranked lower than
86% of the 2191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. ONFC: 1.99 )
Ranked among companies with meaningful Price/Tangible Book only.
ONFC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.74  Med: 1.94 Max: 3.34
Current: 1.99
0.74
3.34
Price/Projected FCF 0.98
ONFC's Price/Projected FCF is ranked lower than
77% of the 1350 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. ONFC: 0.98 )
Ranked among companies with meaningful Price/Projected FCF only.
ONFC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.42  Med: 0.95 Max: 2.69
Current: 0.98
0.42
2.69
Price/Median PS Value 1.33
ONFC's Price/Median PS Value is ranked lower than
87% of the 2108 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.94 vs. ONFC: 1.33 )
Ranked among companies with meaningful Price/Median PS Value only.
ONFC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.67  Med: 1.43 Max: 3.17
Current: 1.33
0.67
3.17
Price/Graham Number 1.87
ONFC's Price/Graham Number is ranked lower than
93% of the 2062 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. ONFC: 1.87 )
Ranked among companies with meaningful Price/Graham Number only.
ONFC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.67  Med: 1.33 Max: 2.28
Current: 1.87
0.67
2.28
Earnings Yield (Greenblatt) (%) 5.00
ONFC's Earnings Yield (Greenblatt) (%) is ranked lower than
66% of the 1519 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. ONFC: 5.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ONFC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.9  Med: 7.70 Max: 16.4
Current: 5
2.9
16.4
Forward Rate of Return (Yacktman) (%) 4.49
ONFC's Forward Rate of Return (Yacktman) (%) is ranked lower than
71% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. ONFC: 4.49 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ONFC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 1.7  Med: 7.40 Max: 22.3
Current: 4.49
1.7
22.3

More Statistics

Revenue(Mil) $53
EPS $ 0.52
Short Percentage of Float1.93%
52-Week Range $12.50 - 22.58
Shares Outstanding(Mil)7.02

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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