Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Oconee Federal FinancialOFED 57 Equity-to-Asset is 0.13 as of Mar. 2026, which is 19% below its 10-year median of 0.16. 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. Among 1,525 Banks companies, Oconee Federal Financial ranks better than 78.62% on this metric.
Oconee Federal Financial (OTCPK:OFED) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Oconee Federal Financial Equity-to-Asset Related Terms
Oconee Federal Financial Equity-to-Asset Historical Data
* 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.
OFED vs FCPB, BLHK, BNCC: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Oconee Federal Financial's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Oconee Federal Financial's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Oconee Federal Financial's Equity-to-Asset falls into.
Oconee Federal Financial Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Oconee Federal Financial's Equity to Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as
* 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 (OFED) has a Equity-to-Asset of 0.13 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Oconee Federal Financial and its competitors. This is 19% below median its historical median of 0.16. Over the past decade, Oconee Federal Financial's Equity-to-Asset has ranged from 0.11 to 0.18. According to the industry distribution chart, Oconee Federal Financial ranks #326 out of 1525 companies in the Banks industry, placing it in the top 21.4%.
Is Oconee Federal Financial's Equity-to-Asset too high?
Oconee Federal Financial's current Equity-to-Asset of 0.13 is 19% below median its 10-year median of 0.16. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.18. The Banks industry median Equity-to-Asset is 0.10. Oconee Federal Financial's value of 0.13 is 30% above this industry median. Based on the distribution chart, Oconee Federal Financial ranks #326 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position 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 Equity-to-Asset compare to FCPB and BLHK?
According to the Banks industry distribution chart, Oconee Federal Financial ranks #326 out of 1525 companies for Equity-to-Asset. This places Oconee Federal Financial in the top 21% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Oconee Federal Financial's value of 0.13 is 30% above this benchmark. Historically, Oconee Federal Financial's own Equity-to-Asset has ranged from 0.11 to 0.18 over the past decade. While the company's 10-year median is 0.16 vs. the industry median of 0.10, Oconee Federal Financial has consistently been above 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oconee Federal Financial's current Equity-to-Asset of 0.13 is 30% above 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Oconee Federal Financial and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oconee Federal Financial's current Equity-to-Asset is 0.13, which is 19% below median its own 10-year median of 0.16. 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 Equity-to-Asset is 0.13, which is 19% below median its 10-year median of 0.16 and 30% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Oconee Federal Financial (OFED), the current Equity-to-Asset is 0.13 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:
Equity-to-Asset: 0.13 (19% below median its 10-year median of 0.16)
GF Value™: $15.98 vs. price of $21.50 (34.5% above fair value)
Industry Position: 30% above the Banks median (#326 of 1525)
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
Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
OFED has been successfully added to your 
