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Oconee Federal FinancialOFED +11.04%57 Shiller PE Ratio is 23.71 as of Sep. 09, 2026, which is 8% below its 10-year median of 25.67. GuruFocus rates OFED with a GF Score™ of 57/100 and a GF Value™ of $15.98 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,235 Banks companies, Oconee Federal Financial ranks worse than 84.78% on this metric.
The historical rank and industry rank for Oconee Federal Financial's Shiller PE Ratio or its related term are showing as below:
OFED'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 12.35 Med: 25.67 Max: 38.7
Current: 23.71
During the past years, Oconee Federal Financial's highest Shiller PE Ratio was 38.70. The lowest was 12.35. And the median was 25.67.
OFED's Shiller PE Ratio is ranked worse than 84.78% of 1235
companies
in the Banks industry
Industry Median: 13.91
vs OFED: 23.71
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Oconee Federal Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.190. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $0.89 for the trailing ten years ended in Mar. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Oconee Federal Financial (OTCPK:OFED) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Oconee Federal Financial Shiller PE Ratio Related Terms
Oconee Federal Financial Shiller PE Ratio 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 FFDF, SRBK, PPBN: Shiller PE Ratio Comparison
For the Banks - Regional subindustry, Oconee Federal Financial's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Oconee Federal Financial's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Oconee Federal Financial's Shiller PE Ratio falls into.
Oconee Federal Financial Shiller PE Ratio Calculation
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
Oconee Federal Financial (OFED) has a Shiller PE Ratio of 23.71 as of Sep. 09, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Oconee Federal Financial and its competitors. This is near median its historical median of 25.67. Over the past decade, Oconee Federal Financial's Shiller PE Ratio has ranged from 12.35 to 38.70. According to the industry distribution chart, Oconee Federal Financial ranks #1047 out of 1235 companies in the Banks industry, placing it in the top 84.8%.
Is Oconee Federal Financial's Shiller PE Ratio too high?
Oconee Federal Financial's current Shiller PE Ratio of 23.71 is near median its 10-year median of 25.67. Over the past 10 years, this metric has ranged from a low of 12.35 to a high of 38.70. The Banks industry median Shiller PE Ratio is 13.91. Oconee Federal Financial's value of 23.71 is 70.5% above this industry median. Based on the distribution chart, Oconee Federal Financial ranks #1047 out of 1235 companies in the Banks industry, which is in the bottom quartile 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 Shiller PE Ratio compare to FFDF and SRBK?
According to the Banks industry distribution chart, Oconee Federal Financial ranks #1047 out of 1235 companies for Shiller PE Ratio. This places Oconee Federal Financial in the lower half of its industry. The industry median Shiller PE Ratio is 13.91. Oconee Federal Financial's value of 23.71 is 70.5% above this benchmark. Historically, Oconee Federal Financial's own Shiller PE Ratio has ranged from 12.35 to 38.70 over the past decade. While the company's 10-year median is 25.67 vs. the industry median of 13.91, 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 Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 13.91, based on 1,235 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oconee Federal Financial's current Shiller PE Ratio of 23.71 is 70.5% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Oconee Federal Financial and its competitors. For the Banks industry, the median Shiller PE Ratio is 13.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oconee Federal Financial's current Shiller PE Ratio is 23.71, which is near median its own 10-year median of 25.67. 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 $21.10 — trading 32% above its estimated fair value. The current Shiller PE Ratio is 23.71, which is near median its 10-year median of 25.67 and 70.5% above the Banks industry median of 13.91. Oconee Federal Financial's overall GF Score™ is 57/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Oconee Federal Financial (OFED), the current Shiller PE Ratio is 23.71 as of Sep. 09, 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 $21.10 is trading 32% above its estimated GF Value™ of $15.98.
GuruFocus considers Oconee Federal Financial to be Significantly Overvalued.
Key valuation signals for OFED:
Shiller PE Ratio: 23.71 (near median its 10-year median of 25.67)
GF Value™: $15.98 vs. price of $21.10 (32% above fair value)
Industry Position: 70.5% above the Banks median (#1047 of 1235)
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
Shiller PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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