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Oconee Federal FinancialOFED 57 3-Year Book Growth Rate is 2.50% as of Mar. 2026, which is 14% above its 10-year median of 2.20. GuruFocus rates OFED with a GF Score™ of 57/100 and a GF Value™ of $15.98 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,488 Banks companies, Oconee Federal Financial ranks worse than 84.21% on this metric.
During the past 12 months, Oconee Federal Financial's average Book Value per Share Growth Rate was 6.90% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 2.50% per year.
During the past 5 years, the average Book Value per Share Growth Rate was -2.60% per year.
During the past 10 years, the average Book Value per Share Growth Rate was -0.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Oconee Federal Financial was 12.80% per year. The lowest was -6.70% per year. And the median was 2.20% per year.
Oconee Federal Financial (OTCPK:OFED) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Oconee Federal Financial 3-Year Book Growth Rate Related Terms
OFED vs FFDF, SRBK, PPBN: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Oconee Federal Financial's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Oconee Federal Financial 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Oconee Federal Financial's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Oconee Federal Financial's 3-Year Book Growth Rate falls into.
Oconee Federal Financial 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 2.50% mean?
Oconee Federal Financial (OFED) has a 3-Year Book Growth Rate of 2.50% as of Mar. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Oconee Federal Financial and its competitors. This is 14% above median its historical median of 2.20. According to the industry distribution chart, Oconee Federal Financial ranks #1253 out of 1488 companies in the Banks industry, placing it in the top 84.2%.
Is Oconee Federal Financial's 3-Year Book Growth Rate too high?
Oconee Federal Financial's current 3-Year Book Growth Rate of 2.50% is 14% above median its 10-year median of 2.20. The Banks industry median 3-Year Book Growth Rate is 8.80. Oconee Federal Financial's value of 2.50% is 71.6% below this industry median. Based on the distribution chart, Oconee Federal Financial ranks #1253 out of 1488 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Oconee Federal Financial has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oconee Federal Financial's 3-Year Book Growth Rate compare to FFDF and SRBK?
According to the Banks industry distribution chart, Oconee Federal Financial ranks #1253 out of 1488 companies for 3-Year Book Growth Rate. This places Oconee Federal Financial in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.80. Oconee Federal Financial's value of 2.50% is 71.6% below this benchmark. While the company's 10-year median is 2.20 vs. the industry median of 8.80, Oconee Federal Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,488 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oconee Federal Financial's current 3-Year Book Growth Rate of 2.50% is 71.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Oconee Federal Financial and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oconee Federal Financial's current 3-Year Book Growth Rate is 2.50%, which is 14% above median its own 10-year median of 2.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oconee Federal Financial stock overvalued right now?
Based on GuruFocus' analysis, Oconee Federal Financial (OFED) is currently considered Significantly Overvalued. The stock's GF Value™ is $15.98, compared to a current price of $21.10 — trading 32% above its estimated fair value. The current 3-Year Book Growth Rate is 2.50%, which is 14% above median its 10-year median of 2.20 and 71.6% below the Banks industry median of 8.80. Oconee Federal Financial's overall GF Score™ is 57/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Oconee Federal Financial (OFED), the current 3-Year Book Growth Rate is 2.50% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Oconee Federal Financial (OFED) Overvalued in 2026?
Based on GuruFocus' analysis, Oconee Federal Financial stock appears to be overvalued.
The current stock price of $21.10 is trading 32% above its estimated GF Value™ of $15.98.
GuruFocus considers Oconee Federal Financial to be Significantly Overvalued.
Key valuation signals for OFED:
3-Year Book Growth Rate: 2.50% (14% above median its 10-year median of 2.20)
GF Value™: $15.98 vs. price of $21.10 (32% above fair value)
Industry Position: 71.6% below the Banks median (#1253 of 1488)
No single metric tells the full story. See the OFED stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Oconee Federal Financial Corp is a United States-based stock holding company. The company through its subsidiaries provides banking products and services in the US states of South Carolina and Georgia. Its principal business activity involves attracting retail deposits from the public and investing those deposits, together with funds generated from operations, in one-to-four family residential mortgage loans and, to a lesser extent, non-residential mortgage, construction and land, agricultural, and other loans.
57GF Score
Get the complete analysis for OFED
3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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