Oconee Federal Financial's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Oconee Federal Financial (OFED) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Oconee Federal Financial vs Its Competitors
- TTM: Trailing 12-month revenue of 17M vs 122,725M combined for tracked competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is decelerating (-11.4% annualized vs trailing 12 months), vs decelerating (-13.7%) for its tracked peer group.
- Growth: Oconee Federal Financial generated -11.0% revenue growth year over year in Q3 2023, vs 12.9% for its tracked competitors combined.
- Profitability: Its 16.6% net margin compares with 26.4% for the peer group.
- Peer revenue share: Oconee Federal Financial accounted for 0.0% of combined revenue among its tracked peer group, down from 0.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.21M compares with $0.57M for the peer group (0.4x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
OFED Sales vs. its Competitors, Q3 2023
Oconee Federal Financial reported revenue contraction of 11.02 % year on year in Q3 2023, below its competitors' combined revenue growth of 12.87 %.
With a net margin of 16.63 %, Oconee Federal Financial reported lower profitability than its competitors (26.42 %).
Oconee Federal Financial generated 0.01 % of the combined sales of its peer group, down from 0.02 % a year earlier.
Oconee Federal Financial vs. its Competitors, Q3 2023
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Oconee Federal Financial and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Oconee Federal Financial Corp | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (2) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Oconee Federal Financial's competitor groups requires a Commercial License.
For context: the S&Ls Savings Banks industry grew revenue 2,106.4% year over year, combined, vs -11.0% for Oconee Federal Financial. Oconee Federal Financial's share of combined industry revenue moved from 0.08% to 0.00%, a loss of 0.08 percentage points.
Oconee Federal Financial's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Oconee Federal Financial Corp | Yes | No | No | Yes |
| Competitors combined (10) | ||||
| Similar Growth & Profitability (8) | 100.00 % (8 of 8) | 12.50 % (1 of 8) | 0.00 % (0 of 8) | 87.50 % (7 of 8) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
OFED Stock Performance relative to its Competitors
OFED Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Peoples Bancorp Of North Carolina Inc | 282.9% | Outperformed |
| 2 | Hometrust Bancshares Inc | 282.9% | Outperformed |
| 3 | Bank Of America Corporation | 282.9% | Outperformed |
| 4 | Banc Of California Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Oconee Federal Financial's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Oconee Federal Financial's Comment on Competition and Industry Peers
Publicly Traded Peers of Oconee Federal Financial Corp
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Oconee Federal Financial Corp | 89.65 | 17.05 |
| Bank Of America Corporation | 404,609.27 | 121,098.00 |
| Banc Of California Inc | 2,751.48 | 1,016.11 |
| Hometrust Bancshares Inc | 747.27 | 209.69 |
| American National Bankshares Inc | 486.79 | 102.42 |
| Select Bancorp inc | 326.20 | 67.13 |
| SUBTOTAL | 409,916.42 | 122,809.62 |
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Sources: Oconee Federal Financial Corp's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Oconee Federal Financial Corp versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Oconee Federal Financial's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Oconee Federal Financial Corp | 90 | 210,469 | 50,753 |
| Bank Of America Corporation | 404,609 | 568,535 | 158,005 |
| Banc Of California Inc | 2,751 | 533,670 | -11,752 |
| Hometrust Bancshares Inc | 747 | 365,310 | 112,923 |
| American National Bankshares Inc | 487 | 306,656 | 78,320 |
| Select Bancorp inc | 326 | 438,725 | 119,797 |
| PEERS TOTAL | 409,827 | 565,773 | 155,846 |
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Oconee Federal Financial's Position in Industry Market Structure
Market-capitalization share and concentration across all 37 companies in Oconee Federal Financial's industry classification, broader than the peer set above. Market cap in millions of $.Oconee Federal Financial ranks #0 of 37 companies by market capitalization in its industry, holding 0.00 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 5, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 2 | Axos Financial Inc | 4,970 | 1.15 % |
| 3 | Eastern Bankshares Inc | 4,633 | 1.07 % |
| 4 | Tfs Financial Corporation | 4,609 | 1.07 % |
| 5 | Bankunited inc | 3,092 | 0.72 % |
| 6 | Provident Financial Services Inc | 1,234 | 5.2% |
| 7 | Columbia Financial Inc | 1,234 | 5.2% |
| 8 | Brookline Bancorp inc | 1,234 | 5.2% |
| 9 | Capitol Federal Financial Inc | 1,234 | 5.2% |
| 10 | Hometrust Bancshares Inc | 1,234 | 5.2% |
| 11 | Kearny Financial Corp | 1,234 | 5.2% |
| 0 | Oconee Federal Financial Corp | 109 | 0.00 % |
Market cap and industry share for the rest of Oconee Federal Financial's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-05-28.
Oconee Federal Financial's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the S&Ls Savings Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (61 companies).| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 56.08 % | 58.30 % (avg) | -2.2 pp |
| Operating Margin | 28.43 % | industry median | -0.7 pp |
| EBITDA Margin | 27.93 % | 37.67 % (avg) | -9.7 pp |
| Capital Intensity (Capex / Revenue) | - | 3.69 % (avg) | - |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Oconee Federal Financial's Valuation vs Competitive Position
Valuation multiples vs the S&Ls Savings Banks industry average (61 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 28.5x | 29.5x | -1.0x |
| EV / EBITDA | 24.9x | 10.9x | +14.0x |
| P/B | 1.6x | 1.1x | +0.5x |
| Return on Equity | 5.67 % | industry aggregate | -1.53 % |
| Return on Invested Capital | 0.76 % | 2.28 % (avg) | -1.52 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Oconee Federal Financial's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 45.34 % | -1.37 % | -6.71 % | -3.12 % | -0.02 % | 4.36 % | 21.08 % | -16.48 % |
| Operating Margin | 40.35 % | - | 32.61 % | 27.76 % | 28.05 % | 30.80 % | - | 30.82 % |
| Return on Invested Capital | 4.61 % | - | 3.27 % | 2.65 % | 2.59 % | 2.98 % | - | 0.87 % |
| P/E | 22.4x | 24.1x | 46.0x | 36.8x | 37.8x | 33.2x | 26.3x | 29.6x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Oconee Federal Financial's Strategic Group Map
Every company in Oconee Federal Financial's industry and named-competitor list, plotted by trailing 12-month revenue growth and operating margin. Oconee Federal Financial is shown in red; its closest peers by combined growth, margin and ROIC (the Similar Growth & Profitability group above) are labeled.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
Oconee Federal Financial's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 5 (see Industry Market Structure & Concentration above) |
| Supplier Power | Not covered on this page | See Oconee Federal Financial's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Oconee Federal Financial's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Oconee Federal Financial's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Oconee Federal Financial falls in the Medium attractiveness / Low strength cell: Harvest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Oconee Federal Financial's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
- Latest-quarter revenue run-rate is decelerating (-11.4% annualized vs trailing 12 months).
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
No rule matched.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-13.7% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Oconee Federal Financial's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Oconee Federal Financial Corp | - | 0.90 | - |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Banc Of California Inc | 0.08 | 0.82 | 0.65 |
| Hometrust Bancshares Inc | 0.02 | 1.61 | 0.01 |
| American National Bankshares Inc | 0.01 | 1.06 | 0.21 |
| Select Bancorp inc | 0.12 | 1.07 | 0.11 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Oconee Federal Financial's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Oconee Federal Financial Corp | Q1 2023 | -11.0 % | -39.8 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Banc Of California Inc | Q2 2026 | -22.8 % | - |
| Hometrust Bancshares Inc | Q2 2026 | +0.3 % | -10.3 % |
| American National Bankshares Inc | Q4 2023 | -10.4 % | -49.3 % |
| Select Bancorp inc | Q2 2021 | +62.1 % | +723.9 % |
| PEERS TOTAL | +14.6 % | +23.5 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Oconee Federal Financial's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Oconee Federal Financial Corp | Q1 2023 | - | -11.6 % |
| Bank Of America Corporation | Q2 2026 | - | - |
| Banc Of California Inc | Q2 2026 | +313.8 % | +106.5 % |
| Hometrust Bancshares Inc | Q2 2026 | - | -25.3 % |
| American National Bankshares Inc | Q4 2023 | -62.4 % | -22.8 % |
| Select Bancorp inc | Q2 2021 | - | -94.6 % |
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Oconee Federal Financial's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Oconee Federal Financial Corp | 0.73% | 0.73% | 5.67% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Banc Of California Inc | - | - | - |
| Hometrust Bancshares Inc | 1.44% | 3.75% | 10.85% |
| American National Bankshares Inc | 0.85% | 0.85% | 7.88% |
| Select Bancorp inc | 1.02% | 7.53% | 8.50% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Oconee Federal Financial's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Oconee Federal Financial Corp | 21.62 | 5.26 |
| Bank Of America Corporation | 12.78 | 3.34 |
| Banc Of California Inc | - | 2.71 |
| Hometrust Bancshares Inc | 11.79 | 3.56 |
| American National Bankshares Inc | 18.69 | 4.75 |
| Select Bancorp inc | 18.12 | 4.86 |
| PEERS AVERAGE | 12.12 | 3.34 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.