OFED (Oconee Federal Financial) Growth Rank: 1 (As of Jul. 31, 2026) — 67% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

OFED Oconee Federal Financial Corp OFED
57 GF Score
Price $21.50
GF Value $15.98
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is Oconee Federal Financial Growth Rank?

Oconee Federal Financial OFED 57 Growth Rank is 1 as of Jul. 31, 2026, which is 67% below its 10-year median of 3.00. 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.

Oconee Federal Financial has the Growth Rank of 1.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

Oconee Federal Financial Growth Rank Related Terms

OFED vs FCPB, BLHK, BNCC: Growth Rank Comparison

For the Banks - Regional subindustry, Oconee Federal Financial's Growth Rank, along with its competitors' market caps and Growth Rank 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 Growth Rank vs Banks Industry

For the Banks industry and Financial Services sector, Oconee Federal Financial's Growth Rank distribution charts can be found below:

* The bar in red indicates where Oconee Federal Financial's Growth Rank falls into.


OFED
57GF Score
Oconee Federal Financial Corp OFED
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 1 mean?
Oconee Federal Financial (OFED) has a Growth Rank of 1 as of Jul. 31, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Oconee Federal Financial and its competitors. This is 67% below median its historical median of 3.00. Over the past decade, Oconee Federal Financial's Growth Rank has ranged from 1.00 to 9.00.
Is Oconee Federal Financial's Growth Rank too high?
Oconee Federal Financial's current Growth Rank of 1 is 67% below median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 9.00. 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 Growth Rank compare to FCPB and BLHK?
Oconee Federal Financial's Growth Rank of 1 can be compared against companies in the Banks industry. Historically, Oconee Federal Financial's own Growth Rank has ranged from 1.00 to 9.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Growth Rank for a Banks company?
A good Growth Rank depends on the Banks industry context. However, Growth Rank 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Oconee Federal Financial and its competitors. Oconee Federal Financial's current Growth Rank is 1, which is 67% below median its own 10-year median of 3.00. 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 Growth Rank is 1, which is 67% below median its 10-year median of 3.00. 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 Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For Oconee Federal Financial (OFED), the current Growth Rank is 1 as of Jul. 31, 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:

  • Growth Rank: 1 (67% below median its 10-year median of 3.00)
  • 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

Growth Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.50
Price
$15.98
GF Value