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Oconee Federal FinancialOFED 57 Return-on-Tangible-Equity is 5.31% as of Mar. 2026, which is 6% above its 10-year median of 5.00. GuruFocus rates OFED with a GF Scoreâ„¢ of 57/100 and a GF Valueâ„¢ of $15.98 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,522 Banks companies, Oconee Federal Financial ranks worse than 78.71% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Oconee Federal Financial's annualized net income for the quarter that ended in Mar. 2026 was $4.52 Mil. Oconee Federal Financial's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $85.11 Mil. Therefore, Oconee Federal Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 5.31%.
The historical rank and industry rank for Oconee Federal Financial's Return-on-Tangible-Equity or its related term are showing as below:
OFED'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.74 Med: 5 Max: 8.65
Current: 6.05
During the past 13 years, Oconee Federal Financial's highest Return-on-Tangible-Equity was 8.65%. The lowest was 3.74%. And the median was 5.00%.
OFED's Return-on-Tangible-Equity is ranked worse than 78.71% of 1522
companies
in the Banks industry
Industry Median: 11.315
vs OFED: 6.05
Oconee Federal Financial (OTCPK:OFED) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Oconee Federal Financial Return-on-Tangible-Equity Related Terms
Oconee Federal Financial Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Oconee Federal Financial's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
OFED vs FCPB, BLHK, BNCC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Oconee Federal Financial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Oconee Federal Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Oconee Federal Financial's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 5.31% mean?
Oconee Federal Financial (OFED) has a Return-on-Tangible-Equity of 5.31% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Oconee Federal Financial and its competitors. This is near median its historical median of 5.00. Over the past decade, Oconee Federal Financial's Return-on-Tangible-Equity has ranged from 3.74 to 8.65. According to the industry distribution chart, Oconee Federal Financial ranks #1198 out of 1522 companies in the Banks industry, placing it in the top 78.7%.
Is Oconee Federal Financial's Return-on-Tangible-Equity too high?
Oconee Federal Financial's current Return-on-Tangible-Equity of 5.31% is near median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 3.74 to a high of 8.65. The Banks industry median Return-on-Tangible-Equity is 11.32. Oconee Federal Financial's value of 5.31% is 53.1% below this industry median. Based on the distribution chart, Oconee Federal Financial ranks #1198 out of 1522 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Oconee Federal Financial has a GF Scoreâ„¢ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oconee Federal Financial's Return-on-Tangible-Equity compare to FCPB and BLHK?
According to the Banks industry distribution chart, Oconee Federal Financial ranks #1198 out of 1522 companies for Return-on-Tangible-Equity. This places Oconee Federal Financial in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.32. Oconee Federal Financial's value of 5.31% is 53.1% below this benchmark. Historically, Oconee Federal Financial's own Return-on-Tangible-Equity has ranged from 3.74 to 8.65 over the past decade. While the company's 10-year median is 5.00 vs. the industry median of 11.32, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.32, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oconee Federal Financial's current Return-on-Tangible-Equity of 5.31% is 53.1% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Oconee Federal Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oconee Federal Financial's current Return-on-Tangible-Equity is 5.31%, which is near median its own 10-year median of 5.00. 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 Return-on-Tangible-Equity is 5.31%, which is near median its 10-year median of 5.00 and 53.1% below the Banks industry median of 11.32. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Oconee Federal Financial (OFED), the current Return-on-Tangible-Equity is 5.31% 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:
Return-on-Tangible-Equity: 5.31% (near median its 10-year median of 5.00)
GF Value™: $15.98 vs. price of $21.50 (34.5% above fair value)
Industry Position: 53.1% below the Banks median (#1198 of 1522)
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 USÂ 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
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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