Oconee Federal Financial (NASDAQ:OFED) and United Community Bancorp (NASDAQ:UCBA) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their dividends, analyst recommendations, valuation, profitability, earnings, institutional ownership and risk.

Dividends

Oconee Federal Financial pays an annual dividend of $0.40 per share and has a dividend yield of 1.7%. United Community Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.4%. United Community Bancorp has raised its dividend for 2 consecutive years.

Analyst Recommendations

This is a breakdown of recent ratings for Oconee Federal Financial and United Community Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Oconee Federal Financial 0 0 0 0 N/A
United Community Bancorp 0 0 0 0 N/A

Valuation and Earnings

This table compares Oconee Federal Financial and United Community Bancorp’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Oconee Federal Financial $18.41 million 7.25 $3.03 million N/A N/A
United Community Bancorp N/A N/A N/A N/A N/A

Oconee Federal Financial has higher revenue and earnings than United Community Bancorp.

Profitability

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

Net Margins Return on Equity Return on Assets
Oconee Federal Financial 18.60% 4.30% 0.73%
United Community Bancorp N/A N/A N/A

Institutional and Insider Ownership

4.1% of Oconee Federal Financial shares are owned by institutional investors. Comparatively, 36.4% of United Community Bancorp shares are owned by institutional investors. 5.2% of Oconee Federal Financial shares are owned by company insiders. Comparatively, 9.7% of United Community Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Summary

Oconee Federal Financial beats United Community Bancorp on 5 of the 8 factors compared between the two stocks.

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.

United Community Bancorp Company Profile

United Community Bancorp operates as the bank holding company for United Community Bank that provides various banking products and services to consumers and businesses in Southeastern Indiana. Its deposit products include noninterest-bearing demand accounts, including checking accounts; interest-bearing accounts, such as interest-bearing checking and money market accounts; regular savings accounts; and certificates of deposit, as well as municipal deposits. The company also provides one-to four-family residential real estate, multi-family real estate, nonresidential real estate and land, construction, agricultural, and commercial loans, as well as consumer loans comprising home equity loans and lines of credit, loans secured by savings accounts or certificates of deposit, new farm and garden equipment loans, new and used automobiles loans, recreational vehicle loans, and secured and unsecured personal loans. It operates through five branches located in Dearborn County and three branches located in adjacent Ripley County in Indiana. The company was founded in 1999 and is headquartered in Lawrenceburg, Indiana.

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