Financial Analysis: Oconee Federal Financial (NASDAQ:OFED) and AMB Financial (OTCMKTS:AMFC)

Profitability

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

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

Valuation & Earnings

This table compares AMB Financial and Oconee Federal Financial”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
AMB Financial	$18.97 million	0.96	$2.19 million	N/A	N/A
Oconee Federal Financial	$16.85 million	4.50	$6.26 million	$1.18	11.01

Oconee Federal Financial has lower revenue, but higher earnings than AMB Financial.

Institutional and Insider Ownership

1.2% of AMB Financial shares are owned by institutional investors. 37.7% of AMB Financial shares are owned by insiders. Comparatively, 5.1% of Oconee Federal Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Risk & Volatility

AMB Financial has a beta of 0.33, indicating that its stock price is 67% less volatile than the S&P 500. Comparatively, Oconee Federal Financial has a beta of 0.26, indicating that its stock price is 74% less volatile than the S&P 500.

Dividends

AMB Financial pays an annual dividend of $0.24 per share and has a dividend yield of 1.2%. Oconee Federal Financial pays an annual dividend of $0.40 per share and has a dividend yield of 3.1%. Oconee Federal Financial pays out 33.9% of its earnings in the form of a dividend.

Summary

AMB Financial beats Oconee Federal Financial on 5 of the 8 factors compared between the two stocks.

About AMB Financial

AMB Financial Corp. operates as the bank holding company for American Community Bank of Indiana that provides financial services to customers in Indiana. The company provides savings, checking, health savings, individual retirement, and money market deposit accounts, as well as certificates of deposit. It offers business checking accounts, business debit and credit cards, and order business checks. In addition, the company offers mortgage loans, home equity loans, construction/lot loans, community loans, vehicle loans, and loan servicing; and commercial loans, commercial real estate loans, and SBA loans. Further, it provides merchant, remote deposit, wire services, fraud protection, and ACH origination; sweep services, zero balance accounts, lockbox services, vault services, and wealth management services; online, mobile, voice, and banking services; money order and e-statement services; cashier’s checks; and safe deposit boxes. The company was founded in 1910 and is headquartered in Saint John, Indiana.

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.