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Oconee Federal FinancialOFED 57 Pretax Margin % is 32.90% as of Mar. 2026, which is 7% above its 10-year median of 30.78. 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 1,526 Banks companies, Oconee Federal Financial ranks worse than 51.11% on this metric.
Oconee Federal Financial (OTCPK:OFED) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Oconee Federal Financial Pretax Margin % Related Terms
Oconee Federal Financial Pretax Margin % 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: Pretax Margin % Comparison
For the Banks - Regional subindustry, Oconee Federal Financial's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Oconee Federal Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Oconee Federal Financial's Pretax Margin % falls into.
* 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 Pretax Margin % of 32.90% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Oconee Federal Financial and its competitors. This is near median its historical median of 30.78. Over the past decade, Oconee Federal Financial's Pretax Margin % has ranged from 26.63 to 49.05. According to the industry distribution chart, Oconee Federal Financial ranks #780 out of 1526 companies in the Banks industry, placing it in the top 51.1%.
Is Oconee Federal Financial's Pretax Margin % too high?
Oconee Federal Financial's current Pretax Margin % of 32.90% is near median its 10-year median of 30.78. Over the past 10 years, this metric has ranged from a low of 26.63 to a high of 49.05. The Banks industry median Pretax Margin % is 35.25. Oconee Federal Financial's value of 32.90% is 6.7% below this industry median. Based on the distribution chart, Oconee Federal Financial ranks #780 out of 1526 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 Pretax Margin % compare to FCPB and BLHK?
According to the Banks industry distribution chart, Oconee Federal Financial ranks #780 out of 1526 companies for Pretax Margin %. This places Oconee Federal Financial in the lower half of its industry. The industry median Pretax Margin % is 35.25. Oconee Federal Financial's value of 32.90% is 6.7% below this benchmark. Historically, Oconee Federal Financial's own Pretax Margin % has ranged from 26.63 to 49.05 over the past decade. While the company's 10-year median is 30.78 vs. the industry median of 35.25, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 35.25, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oconee Federal Financial's current Pretax Margin % of 32.90% is 6.7% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Oconee Federal Financial and its competitors. For the Banks industry, the median Pretax Margin % is 35.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oconee Federal Financial's current Pretax Margin % is 32.90%, which is near median its own 10-year median of 30.78. 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 Pretax Margin % is 32.90%, which is near median its 10-year median of 30.78 and 6.7% below the Banks industry median of 35.25. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Oconee Federal Financial (OFED), the current Pretax Margin % is 32.90% 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:
Pretax Margin %: 32.90% (near median its 10-year median of 30.78)
GF Value™: $15.98 vs. price of $21.50 (34.5% above fair value)
Industry Position: 6.7% below the Banks median (#780 of 1526)
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
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