Central Federal (NASDAQ:CFBK) and Oconee Federal Financial (NASDAQ:OFED) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their valuation, profitability, institutional ownership, earnings, risk, dividends and analyst recommendations.
Volatility & Risk
Central Federal has a beta of 0.58, meaning that its stock price is 42% less volatile than the S&P 500. Comparatively, Oconee Federal Financial has a beta of 0.15, meaning that its stock price is 85% less volatile than the S&P 500.
This is a summary of current ratings and price targets for Central Federal and Oconee Federal Financial, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Oconee Federal Financial||0||0||0||0||N/A|
Oconee Federal Financial pays an annual dividend of $0.40 per share and has a dividend yield of 1.8%. Central Federal does not pay a dividend.
Earnings & Valuation
This table compares Central Federal and Oconee Federal Financial’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Central Federal||$27.60 million||2.23||$4.27 million||N/A||N/A|
|Oconee Federal Financial||$20.54 million||6.27||$3.72 million||N/A||N/A|
Central Federal has higher revenue and earnings than Oconee Federal Financial.
This table compares Central Federal and Oconee Federal Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Oconee Federal Financial||18.22%||4.33%||0.73%|
Institutional and Insider Ownership
26.7% of Central Federal shares are held by institutional investors. Comparatively, 3.5% of Oconee Federal Financial shares are held by institutional investors. 18.6% of Central Federal shares are held by insiders. Comparatively, 5.5% of Oconee Federal Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.
Central Federal beats Oconee Federal Financial on 8 of the 11 factors compared between the two stocks.
Central Federal Company Profile
Central Federal Corporation operates as the bank holding company for CFBank, National Association that provides various banking products and services in the United States. The company accepts savings, retail and business checking, and money market accounts, as well as certificates of deposit. It also offers single-family mortgage loans; commercial real estate and multi-family residential mortgage loans; commercial loans; construction and land loans; and consumer loans, such as home equity lines of credit, automobile loans, home improvement loans, and loans secured by deposits, as well as other loans. In addition, the company provides Internet and mobile banking, remote deposit, and corporate treasury management services. As of December 31, 2018, it operated five branch offices located in Franklin, Hamilton, Summit, and Columbiana Counties; and a loan production office located in Franklin County; and an agency office located in Cuyahoga County, Ohio. Central Federal Corporation was founded in 1892 and is based in Worthington, Ohio.
Oconee Federal Financial Company Profile
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 County area of northwestern South Carolina and the northeast area of Georgia. The company's deposit products include demand, NOW, money market, savings, certificates of deposit, and individual retirement accounts. Its loan portfolio comprises one-to-four family residential mortgage loans; home equity loans and lines of credit; nonresidential real estate loans; construction and land loans; commercial and industrial loans; agricultural loans; and consumer loans. Oconee Federal Financial Corp. operates through its executive office and seven branch offices located in Oconee County, South Carolina; Stephens County, Georgia; and Rabun County, Georgia. The company was founded in 1924 and is based in Seneca, South Carolina. Oconee Federal Financial Corp. is a subsidiary of Oconee Federal, MHC.
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