OFED (Oconee Federal Financial) Cyclically Adjusted Book per Share: $17.50 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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OFED Oconee Federal Financial Corp OFED
57 GF Score
Price $21.50
GF Value $15.98
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Oconee Federal Financial Cyclically Adjusted Book per Share?

Oconee Federal Financial OFED 57 Cyclically Adjusted Book per Share is $17.50 as of Mar. 2026. GuruFocus rates OFED with a GF Score™ of 57/100 and a GF Value™ of $15.98 (Significantly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Oconee Federal Financial's adjusted book value per share for the three months ended in Mar. 2026 was $15.135. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $17.50 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Oconee Federal Financial's average Cyclically Adjusted Book Growth Rate was 0.70% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 0.40% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 3.10% 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 Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Oconee Federal Financial was 5.80% per year. The lowest was 0.40% per year. And the median was 4.15% per year.

As of today (2026-07-30), Oconee Federal Financial's current stock price is $21.50. Oconee Federal Financial's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was $17.50. Oconee Federal Financial's Cyclically Adjusted PB Ratio of today is 1.23.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Oconee Federal Financial was 1.89. The lowest was 0.61. And the median was 1.29.


Oconee Federal Financial  (OTCPK:OFED) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Oconee Federal Financial's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=21.50/17.50
=1.23

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Oconee Federal Financial was 1.89. The lowest was 0.61. And the median was 1.29.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Oconee Federal Financial Cyclically Adjusted Book per Share Related Terms


Oconee Federal Financial Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Oconee Federal Financial's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Oconee Federal Financial Cyclically Adjusted Book per Share Chart

Oconee Federal Financial Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 15.88 17.19 17.29 17.37 17.42

Oconee Federal Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 17.37 17.42 17.44 17.29 17.50

OFED vs FCPB, BLHK, BNCC: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Oconee Federal Financial's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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 Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Oconee Federal Financial's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Oconee Federal Financial's Cyclically Adjusted PB Ratio falls into.


OFED
57GF Score
Oconee Federal Financial Corp OFED
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Oconee Federal Financial Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Oconee Federal Financial's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=15.135/330.2130*330.2130
=15.135

Current CPI (Mar. 2026) = 330.2130.

Oconee Federal Financial Quarterly Data

Book Value per Share CPI Adj_Book
201606 14.628 241.018 20.041
201609 14.702 241.428 20.109
201612 14.489 241.432 19.817
201703 14.679 243.801 19.882
201706 14.913 244.955 20.104
201709 14.988 246.819 20.052
201712 14.836 246.524 19.872
201803 14.712 249.554 19.467
201806 14.695 251.989 19.257
201809 14.619 252.439 19.123
201812 14.926 251.233 19.618
201903 15.111 254.202 19.629
201906 15.332 256.143 19.766
201909 15.431 256.759 19.846
201912 15.537 256.974 19.965
202003 15.757 258.115 20.158
202006 15.755 257.797 20.181
202009 15.869 260.280 20.133
202012 15.956 260.474 20.228
202103 15.657 264.877 19.519
202106 15.752 271.696 19.145
202109 15.665 274.310 18.857
202112 15.673 278.802 18.563
202203 14.264 287.504 16.383
202206 13.420 296.311 14.955
202209 12.368 296.808 13.760
202212 12.773 296.797 14.211
202303 13.123 301.836 14.357
202306 12.799 305.109 13.852
202309 11.834 307.789 12.696
202312 12.948 306.746 13.939
202403 13.354 312.332 14.119
202406 13.493 314.175 14.182
202409 14.263 315.301 14.938
202412 13.637 315.605 14.268
202503 14.154 319.799 14.615
202506 14.469 322.561 14.812
202509 14.834 324.800 15.081
202512 15.091 324.054 15.378
202603 15.135 330.213 15.135

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $17.50 mean?
Oconee Federal Financial (OFED) has a Cyclically Adjusted Book per Share of $17.50 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Oconee Federal Financial and its competitors.
Is Oconee Federal Financial's Cyclically Adjusted Book per Share too high?
Oconee Federal Financial's current Cyclically Adjusted Book per Share is $17.50. 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 Cyclically Adjusted Book per Share compare to FCPB and BLHK?
Oconee Federal Financial's Cyclically Adjusted Book per Share of $17.50 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Oconee Federal Financial and its competitors. Oconee Federal Financial's current Cyclically Adjusted Book per Share is $17.50. 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 $21.50 — trading 34.5% above its estimated fair value. The current Cyclically Adjusted Book per Share is $17.50. Oconee Federal Financial's overall GF Score™ is 57/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Oconee Federal Financial (OFED), the current Cyclically Adjusted Book per Share is $17.50 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 $21.50 is trading 34.5% above its estimated GF Value™ of $15.98. GuruFocus considers Oconee Federal Financial to be Significantly Overvalued.

Key valuation signals for OFED:

  • Cyclically Adjusted Book per Share: $17.50
  • GF Value™: $15.98 vs. price of $21.50 (34.5% above fair value)
  • GF Score™: 57/100 with 7 warning signs

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 Business Description

Address 115 East North Second Street, Seneca, SC, USA, 29678
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

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.50
Price
$15.98
GF Value