Analyzing Bluegreen Vacations (OTCMKTS:BVHBB) and Oconee Federal Financial (NASDAQ:OFED)

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

Insider & Institutional Ownership

20.7% of Bluegreen Vacations shares are owned by institutional investors. 5.1% of Oconee Federal Financial shares are owned by insiders. Comparatively, 88.2% of Bluegreen Vacations shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Earnings & Valuation

This table compares Oconee Federal Financial and Bluegreen Vacations”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Oconee Federal Financial	$16.85 million	4.68	$6.26 million	$1.18	11.43
Bluegreen Vacations	$919.43 million	1.33	$64.39 million	$3.71	19.41

Bluegreen Vacations has higher revenue and earnings than Oconee Federal Financial. Oconee Federal Financial is trading at a lower price-to-earnings ratio than Bluegreen Vacations, indicating that it is currently the more affordable of the two stocks.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Oconee Federal Financial	N/A	N/A	N/A
Bluegreen Vacations	N/A	N/A	N/A

Dividends

Oconee Federal Financial pays an annual dividend of $0.40 per share and has a dividend yield of 3.0%. Bluegreen Vacations pays an annual dividend of $0.20 per share and has a dividend yield of 0.3%. Oconee Federal Financial pays out 33.9% of its earnings in the form of a dividend. Bluegreen Vacations pays out 5.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Analyst Ratings

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

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

Summary

Bluegreen Vacations beats Oconee Federal Financial on 7 of the 9 factors compared between the two stocks.

About Oconee Federal Financial

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 Federal Financial Corp. operates as a subsidiary of Oconee Federal, MHC.

About Bluegreen Vacations

Bluegreen Vacations Holding Corporation operates as a vacation ownership company. The company markets and sells vacation ownership interests (VOI); and manages resorts in leisure and urban destinations, including Orlando, Las Vegas, Myrtle Beach, Charleston and New Orleans, and others. It also provides resort management, mortgage, title, reservation, and construction design and development services; and financing to qualified VOI purchasers, as well as management services to the vacation club and homeowners' associations. The company was founded in 1966 and is headquartered in Boca Raton, Florida.