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Oconee Federal FinancialOFED 57 Dividend Payout Ratio is 0.53 as of Mar. 2026, which is 9% below its 10-year median of 0.58. 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 1,175 Banks companies, Oconee Federal Financial ranks worse than 73.45% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Oconee Federal Financial's Dividend Payout Ratio for the
months ended in Mar. 2026 was 0.53.
The historical rank and industry rank for Oconee Federal Financial's Dividend Payout Ratio or its related term are showing as below:
OFED'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.42 Med: 0.58 Max: 1.14
Current: 0.47
During the past 13 years, the highest Dividend Payout Ratio of Oconee Federal Financial was 1.14. The lowest was 0.42. And the median was 0.58.
OFED's Dividend Payout Ratio is ranked worse than 73.45% of 1175
companies
in the Banks industry
Industry Median: 0.32
vs OFED: 0.47
During the past 13 years, the highest Trailing Annual Dividend Yield of Oconee Federal Financial was 3.81%. The lowest was 1.32%. And the median was 1.74%.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Oconee Federal Financial was 26.00% per year. The lowest was 0.00% per year. And the median was 0.00% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Oconee Federal Financial (OTCPK:OFED) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Oconee Federal Financial Dividend Payout Ratio Related Terms
Oconee Federal Financial Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for Oconee Federal Financial's Dividend Payout Ratio 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 Dividend Payout Ratio Chart
OFED vs FCPB, BLHK, BNCC: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, Oconee Federal Financial's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Oconee Federal Financial's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Oconee Federal Financial's Dividend Payout Ratio falls into.
Oconee Federal Financial Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
Oconee Federal Financial's Dividend Payout 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 Dividend Payout Ratio of 0.53 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Oconee Federal Financial and its competitors. This is near median its historical median of 0.58. Over the past decade, Oconee Federal Financial's Dividend Payout Ratio has ranged from 0.42 to 1.14. According to the industry distribution chart, Oconee Federal Financial ranks #863 out of 1175 companies in the Banks industry, placing it in the top 73.4%.
Is Oconee Federal Financial's Dividend Payout Ratio too high?
Oconee Federal Financial's current Dividend Payout Ratio of 0.53 is near median its 10-year median of 0.58. Over the past 10 years, this metric has ranged from a low of 0.42 to a high of 1.14. The Banks industry median Dividend Payout Ratio is 0.32. Oconee Federal Financial's value of 0.53 is 65.6% above this industry median. Based on the distribution chart, Oconee Federal Financial ranks #863 out of 1175 companies in the Banks industry, which is below the industry midpoint. 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 Dividend Payout Ratio compare to FCPB and BLHK?
According to the Banks industry distribution chart, Oconee Federal Financial ranks #863 out of 1175 companies for Dividend Payout Ratio. This places Oconee Federal Financial in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Oconee Federal Financial's value of 0.53 is 65.6% above this benchmark. Historically, Oconee Federal Financial's own Dividend Payout Ratio has ranged from 0.42 to 1.14 over the past decade. While the company's 10-year median is 0.58 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,175 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oconee Federal Financial's current Dividend Payout Ratio of 0.53 is 65.6% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Oconee Federal Financial and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oconee Federal Financial's current Dividend Payout Ratio is 0.53, which is near median its own 10-year median of 0.58. 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 Dividend Payout Ratio is 0.53, which is near median its 10-year median of 0.58 and 65.6% above the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Oconee Federal Financial (OFED), the current Dividend Payout Ratio is 0.53 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:
Dividend Payout Ratio: 0.53 (near median its 10-year median of 0.58)
GF Value™: $15.98 vs. price of $21.50 (34.5% above fair value)
Industry Position: 65.6% above the Banks median (#863 of 1175)
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
Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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