Oconee Federal Financial Corp. Financial Ratios — OFED Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	3.79	6.4	6.26	5.51	6.65	7.44	7.51	4.01	4.84	4.93	5.08	5	4.02	7.31	4.82
Return on Assets (%)	0.65	1.07	1.08	1	1.08	1.09	1.14	0.63	0.73	0.74	0.77	0.75	0.59	0.99	0.64
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.12	4.64	9.44	7.49	6.57	6.61	7.91	7.88	6.86	7.85	11.57	9.9	6.11	5.38	2.88
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	35.26	52.77	52.93	47	44.04	37.89	39	28.37	27.46	28.67	31.02	30.53	26.63	49.05	31.17
Profit Margin (%)	22.12	32.16	33.04	30.06	27.59	27.31	30.77	18.16	22.24	23.26	24.58	24.67	21.12	45.83	24.29
Net Income to Common Margin (%)	22.12	32.16	33.04	30.06	27.59	27.31	30.77	18.16	22.24	23.26	24.58	24.67	21.12	45.83	24.29
Effective Tax Rate (%)	37.27	39.06	37.58	36.03	37.35	27.92	21.11	35.97	19.02	18.89	20.74	19.18	20.68	6.56	22.08
Dvd Payout Ratio (%)	9.66	51.28	59.85	61.45	49.69	42.93	40.2	72.85	59.52	57.69	54.12	53.96	66.89	36.61	55.03
Sustainable Growth Rate (%)	3.43	3.12	2.51	2.12	3.34	4.25	4.49	1.09	1.96	2.09	2.33	2.3	1.33	4.64	2.17

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	- -	- -	- -	- -	- -	- -	- -	14	19	5	15	9	46	56	36
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	51	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	14	19	5	15	9	46	5	36
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	11.01	16.55	3.83	7.84	5.47	47.47	76.23	71.07
Net Debt/EBITDA	-35.35	-82.23	-32.88	-13.11	-24.36	-21.81	-14.6	3.51	-15.35	-22.62	-8.16	-0.45	40.08	51.62	30.67
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	16.45	16.88	17.67	18.52	14.52	14.82	15.63	15.62	14.69	15.35	14.89	15.21	14.1	13.09	13.32
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	17.09	21.52	5.66	17.03	11.96	64.08	6.03	42.42
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	15.99	19.68	5.94	15.63	9.8	35.39	3.32	28.65
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	2.97	3.6	0.97	2.76	1.65	7.73	0.71	5.35
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	17.09	21.52	5.66	17.03	11.96	64.08	71.03	42.42
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	15.99	19.68	5.94	15.63	9.8	35.39	39.11	28.65
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	2.97	3.6	0.97	2.76	1.65	7.73	8.41	5.35
Net Debt to Equity	-14.28	-57.37	-49.82	-15.45	-32.42	-32.41	-24.12	5.45	-19.96	-33.43	-17.71	-0.97	54.1	48.1	18.31
Net Debt/Capital (%)	-22.85	-294.9	-138.29	-21.67	-61.16	-62.48	-38.05	5.72	-29.42	-59.48	-23.86	-0.89	31.63	30.31	14.77
EBITDA	- -	1	1	1	1	1	1	1	1	1	2	2	1	1	1
EBITDA-CapEx	- -	- -	1	1	1	1	1	1	-1	-1	2	1	1	1	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	16.45	16.88	17.67	18.52	14.52	14.82	15.63	15.62	14.69	15.35	14.89	15.21	14.1	13.09	13.32
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	17.09	21.52	5.66	17.03	11.96	64.08	6.03	42.42
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	15.99	19.68	5.94	15.63	9.8	35.39	3.32	28.65
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	2.97	3.6	0.97	2.76	1.65	7.73	0.71	5.35
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	17.09	21.52	5.66	17.03	11.96	64.08	71.03	42.42
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	15.99	19.68	5.94	15.63	9.8	35.39	39.11	28.65
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	2.97	3.6	0.97	2.76	1.65	7.73	8.41	5.35
CFO/Total Liabilities	1.38	1.75	2.11	1.57	1.45	2.04	1.55	1.58	1.24	1.19	1.08	1.22	1.21	0.18	0.7
CFO/CapEx	271.4	33.66	88.7	29.37	13.17	39.95	31.43	9.54	3	2.76	19.1	26.67	16.88	11.51	9.99
Altman's Z-Score	0.33	0.43	0.46	0.51	0.4	0.42	0.49	0.5	0.42	0.45	0.41	0.4	0.32	0.28	0.21

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	10.01	12.5	13.47	14.46	17.32	18.36	18.32	17.54	15.95	15.03	16.43	17.65	14.85	9.63	10.4
Days Sales Outstanding	36.45	29.19	27.1	25.24	21.07	19.89	19.92	20.81	22.89	24.29	22.22	20.69	24.59	37.9	35.09
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	34	79	88	101	104	111	156	164	130	146	130	121	79	72	- -
- Cash & Cash Equivalents	11	48	38	12	26	28	21	10	37	35	31	10	7	18	20
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	- -	14	19	5	15	9	46	56	36
Enterprise Value	23	-34	-38	-15	-34	-48	17	53	17	25	-25	-31	3	- -	-87
Total Capital	62	64	65	67	69	72	75	91	97	84	96	92	130	143	125
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	15.99	19.68	5.94	15.63	9.8	35.39	39.11	28.65
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	0.27	1.09	0.2	-0.61	-0.29	13.59	-130.58	-0.41
EV/Sales	2.17	- -	- -	- -	- -	- -	0.93	3.19	1.04	1.53	- -	- -	0.21	- -	- -
EV/EBITDA	69.51	- -	- -	- -	- -	- -	11.82	40.48	15.19	19.51	- -	- -	3.49	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	5.53	- -	- -	- -	- -	- -	2.74	8.36	3.21	5	- -	- -	0.53	- -	- -
EV/Free Cash Flow to Firm	5.51	- -	- -	- -	- -	- -	2.65	7.56	2.41	3.67	- -	- -	0.5	- -	- -
Diluted Market Cap	34	79	89	102	105	113	159	167	132	147	131	121	79	72	- -
Diluted Enterprise Value	23	31	51	90	79	85	138	172	115	118	116	120	118	110	15
EV per Share	7.97	- -	- -	- -	- -	- -	2.96	9.42	3.07	4.5	- -	- -	0.6	- -	- -
TTM Sales	10	12	12	12	16	19	18	17	17	17	17	17	16	14	17
TTM EBITDA	- -	1	1	1	1	1	1	1	1	1	2	2	1	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	4	5	6	4	6	8	6	6	5	5	5	6	6	1	4
TTM Free Cash Flow to Firm	4	5	6	5	6	8	6	7	7	7	5	6	7	1	4

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	8.31	14.85	14.14	22.04	17.01	13.51	25.08	23.74	18.24	21.23	25.3	20.42	11.83	63.1	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	23	-34	-38	-15	-34	-48	17	53	17	25	-25	-31	3	- -	-87
Low Price	11	10.9	12.28	14.69	17	16.5	19.25	25.55	22.26	15.25	20.7	20.12	13.35	10.36	11.75
EV/Sales	2.17	- -	- -	- -	- -	- -	0.93	3.19	1.04	1.53	- -	- -	0.21	- -	- -
EV/EBITDA	69.51	- -	- -	- -	- -	- -	11.82	40.48	15.19	19.51	- -	- -	3.49	- -	- -
Price/Earnings	14.78	19.59	21.87	27.7	22.96	21.24	28.21	53.98	35.08	37.71	31.99	29.48	23.68	11.48	- -
Price/Earnings Average	14.95	17.5	21.84	26.23	23.87	20.71	24.06	53.65	39.46	33.69	33.81	32.12	36.88	11.75	- -
Price/Earnings High	16.58	19.59	27.02	31.44	26.83	22.52	29.75	56.87	44.33	40.97	36.94	36.74	45.14	14.59	- -
Price/Earnings Low	13.51	16.42	18.13	22.53	21.21	17.91	19.75	47.66	34.02	22.32	28.32	27.38	22.32	9.44	- -
Price/Book Value	0.55	1.23	1.35	1.51	1.5	1.55	2.07	2.15	1.68	1.84	1.61	1.46	0.94	0.82	- -
Price/Book Value Average	0.56	1.1	1.35	1.43	1.56	1.51	1.77	2.14	1.89	1.64	1.7	1.59	1.47	0.84	- -
Price/Book Value High	0.62	1.23	1.67	1.71	1.75	1.64	2.18	2.27	2.13	2	1.85	1.82	1.8	1.05	- -
Price/Book Value Low	0.5	1.03	1.12	1.23	1.39	1.31	1.45	1.9	1.63	1.09	1.42	1.35	0.89	0.68	- -
Price/Tangible Book Value	0.42	0.95	1.16	1.31	1.36	1.38	1.91	2.03	1.54	1.71	1.53	1.67	1.15	0.95	- -
Price/Tangible Book Value Average	0.43	0.85	1.16	1.24	1.42	1.34	1.63	2.02	1.74	1.53	1.62	1.82	1.79	0.97	- -
Price/Tangible Book Value High	0.48	0.95	1.43	1.49	1.59	1.46	2.01	2.14	1.95	1.86	1.77	2.08	2.2	1.2	- -
Price/Tangible Book Value Low	0.39	0.79	0.96	1.06	1.26	1.16	1.34	1.79	1.5	1.01	1.35	1.55	1.09	0.78	- -
Price/Sales	3.27	6.3	7.22	8.33	6.34	5.8	8.68	9.81	7.8	8.77	7.86	7.27	5	5.26	- -
Price/Sales Average	3.31	5.63	7.22	7.89	6.58	5.66	7.4	9.75	8.77	7.84	8.31	7.93	7.79	5.39	- -
Price/Sales High	3.67	6.3	8.93	9.45	7.4	6.15	9.15	10.33	9.86	9.53	9.08	9.07	9.54	6.69	- -
Price/Sales Low	2.99	5.28	5.99	6.77	5.85	4.89	6.08	8.66	7.57	5.19	6.96	6.76	4.71	4.33	- -
Price/Cash Flow	8.35	15.26	14.23	22.58	18.08	13.67	25.43	25.68	24.01	28.61	26.39	21.17	12.53	68.58	- -
Price/Cash Flow Average	8.44	13.64	14.21	21.39	18.79	13.33	21.68	25.52	27.01	25.56	27.9	23.07	19.51	70.22	- -
Price/Cash Flow High	9.36	15.26	17.58	25.63	21.12	14.5	26.82	27.06	30.34	31.08	30.48	26.39	23.88	87.14	- -
Price/Cash Flow Low	7.63	12.8	11.8	18.36	16.7	11.53	17.8	22.68	23.29	16.93	23.37	19.66	11.81	56.39	- -
Price/Free Cash Flow Average	8.41	13.27	14.12	20.88	17.68	13.18	21.39	23.59	20.52	18.97	26.74	22.25	18.43	64.61	- -
Price/Free Cash Flow High	9.33	14.85	17.47	25.02	19.88	14.33	26.45	25.01	23.05	23.07	29.22	25.45	22.56	80.17	- -
Price/Free Cash Flow Low	7.6	12.45	11.72	17.93	15.72	11.39	17.56	20.96	17.69	12.57	22.4	18.97	11.15	51.88	- -
EV/Sales Average	2.21	1.81	4.11	6.9	4.98	4.22	6.25	10.02	7.72	6.06	7.37	7.88	10.24	8.16	0.88
EV/Sales High	2.57	2.48	5.82	8.47	5.8	4.71	8	10.61	8.8	7.75	8.14	9.02	11.98	9.46	0.88
EV/Sales Low	1.89	1.47	2.89	5.79	4.25	3.45	4.92	8.93	6.51	3.41	6.02	6.71	7.16	7.1	0.88
EV/EBITDA Average	70.73	39.09	43.58	92.15	75.81	63.82	78.99	127.14	112.52	77.13	63.69	79.59	167.54	151.78	30.67
EV/EBITDA High	82.32	53.52	61.71	113.03	88.25	71.3	101.14	134.58	128.28	98.7	70.35	91.11	196.1	175.92	30.67
EV/EBITDA Low	60.53	31.59	30.59	77.28	64.68	52.23	62.23	113.34	94.9	43.46	52.03	67.78	117.22	132.05	30.67
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	12.03	13	14.81	18.06	18.4	19.57	27.5	28.94	22.95	25.77	23.38	21.66	14.16	12.6	12.1
High Price	13.5	13	18.3	20.5	21.5	20.75	29	30.49	29	28	27	27	27	16.01	14.5
Enterprise Value Average	23	23	50	84	81	81	112	167	129	101	122	131	162	111	15
Enterprise Value High	27	31	71	103	95	90	144	177	147	129	135	150	190	129	15
Enterprise Value Low	20	18	35	70	70	66	88	149	109	57	100	112	114	97	15

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	6	6	6	6	6	6	6	6	6	6	6	6	6	6	6
Diluted Weighted Avg Shares	3	6	6	6	6	6	6	6	6	6	6	6	6	6	- -
Basic Weighted Avg Shares	3	6	6	6	6	6	6	6	6	6	6	6	6	6	- -
Revenue per Share	3.68	2.06	2.05	2.17	2.9	3.37	3.17	2.95	2.94	2.94	2.97	2.98	2.83	2.39	- -
EBITDA per Share	0.11	0.1	0.19	0.16	0.19	0.22	0.25	0.23	0.2	0.23	0.34	0.29	0.17	0.13	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.81	0.66	0.68	0.65	0.8	0.92	0.97	0.54	0.65	0.68	0.73	0.73	0.6	1.1	- -
Basic EPS from Cont Ops	0.81	0.66	0.68	0.65	0.8	0.92	0.97	0.54	0.65	0.68	0.73	0.73	0.6	1.1	- -
Diluted EPS, GAAP	0.81	0.66	0.67	0.65	0.79	0.91	0.96	0.52	0.65	0.68	0.72	0.73	0.6	1.1	- -
Diluted EPS from Cont Ops	0.81	0.66	0.67	0.65	0.79	0.91	0.96	0.52	0.65	0.68	0.72	0.73	0.6	1.1	- -
Dividend per Share	0.08	0.34	0.41	0.4	0.4	0.4	0.39	0.39	0.39	0.39	0.4	0.4	0.4	0.4	- -
Cash Flow per Share	1.44	0.85	1.04	0.8	1.02	1.43	1.08	1.13	0.96	0.9	0.89	1.02	1.13	0.18	- -
Free Cash Flow per Basic Share	1.44	0.83	1.03	0.77	0.94	1.4	1.05	1.01	0.64	0.57	0.84	0.98	1.06	0.17	- -
Cash & Equivalents per Share	4.06	18.55	21.11	20.73	24.39	28.06	24.54	22.08	23.22	22.15	30.5	28.87	21.77	22.49	- -
Book Value per Share	21.81	10.54	10.96	11.96	12.26	12.64	13.27	13.46	13.64	14	14.56	14.85	14.99	15.29	- -
Tangible Book Value per Share	28.4	13.72	12.77	13.79	13.48	14.23	14.41	14.27	14.87	15.04	15.29	12.95	12.29	13.3	- -

Oconee Federal Financial Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)