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Oconee Federal Financial Corp (OFED) Fair Value & Analysis

Financial Services · US · Market cap $105M

Price$17.51
Fair Value$9.48
Upside-45.9%
Quality95/100
Evidence: High Range $7.11 – $11.85

Fair value as of: Jun 26, 2026

Analysis

Oconee Federal Financial Corp (OFED) currently trades at $17.51, while our model-based Fair Value estimate is $9.48 — implying the stock looks roughly 45.9% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Oconee Federal Financial Corp. operates as a holding company for Oconee Federal Savings and Loan Association that provides various banking products and services in the Oconee and Pickens County areas of northwestern South Carolina, and the northeast area of Georgia in Stephens County and Rabun County. It offers deposit products, including demand, money market, NOW, savings, and individual retirement accounts, as well as certificates of deposit. The company's loan portfolio comprises one-to-four family residential and multi-family real estate loans; home equity loans and lines of credit; nonresidential real estate loans; mortgage loans; construction and land loans; commercial and industrial loans; agricultural loans; and consumer and other loans, such as installment loans for various consumer purposes, including the purchase of automobiles, boats, and other legitimate personal purposes. Oconee Federal Financial Corp. was founded in 1924 and is based in Seneca, South Carolina. Oconee …

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Frequently asked questions

Is Oconee Federal Financial Corp (OFED) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $9.48 versus a price of $17.51 — about −46% (overvalued). Model-based estimate, not financial advice.
What is the fair value of OFED?
Our 21-model fair value for Oconee Federal Financial Corp is $9.48 (as of Jun 26, 2026), built from audited fundamentals. The current price is $17.51.
What is the quality score of OFED?
Oconee Federal Financial Corp has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.