Contrasting FFBW (NASDAQ:FFBW) & Oconee Federal Financial (NASDAQ:OFED)

FFBW (NASDAQ:FFBW) and Oconee Federal Financial (NASDAQ:OFED) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their earnings, profitability, analyst recommendations, dividends, institutional ownership, valuation and risk.

Earnings and Valuation

This table compares FFBW and Oconee Federal Financial’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
FFBW $11.31 million 6.45 $1.06 million N/A N/A
Oconee Federal Financial $20.54 million 6.41 $3.72 million N/A N/A

Oconee Federal Financial has higher revenue and earnings than FFBW.

Profitability

This table compares FFBW and Oconee Federal Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
FFBW 10.46% 2.04% 0.48%
Oconee Federal Financial 18.02% 4.34% 0.73%

Insider & Institutional Ownership

4.0% of FFBW shares are owned by institutional investors. Comparatively, 3.2% of Oconee Federal Financial shares are owned by institutional investors. 2.9% of FFBW shares are owned by company insiders. Comparatively, 5.5% of Oconee Federal Financial shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Volatility and Risk

FFBW has a beta of 0.47, suggesting that its stock price is 53% less volatile than the S&P 500. Comparatively, Oconee Federal Financial has a beta of 0.15, suggesting that its stock price is 85% less volatile than the S&P 500.

Dividends

Oconee Federal Financial pays an annual dividend of $0.40 per share and has a dividend yield of 1.7%. FFBW does not pay a dividend.

Analyst Ratings

This is a breakdown of recent ratings and price targets for FFBW and Oconee Federal Financial, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FFBW 0 0 0 0 N/A
Oconee Federal Financial 0 0 0 0 N/A

Summary

Oconee Federal Financial beats FFBW on 7 of the 11 factors compared between the two stocks.

FFBW Company Profile

FFBW, Inc. is the holding company of First Federal Bank of Wisconsin (the Bank). First Federal Bank of Wisconsin is a federally chartered mutual savings bank. The Bank’s business consists primarily of taking deposits from the general public and investing those deposits, together with funds generated from operations, in one-to four-family residential owner-occupied real estate loans, one-to four-family residential investor-owned real estate loans, multifamily loans and commercial real estate loans, and, to a lesser extent, commercial and industrial loans, commercial development loans and consumer loans. The Bank invests in various types of liquid assets, including the United States Treasury obligations, securities of various government-sponsored enterprises and municipal governments, deposits at the Federal Home Loan Bank of Chicago. At March 31, 2017, the Bank had total deposits of 180.5 million. At March 31, 2017, the Bank had net loans of 165,697 thousand.

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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