OCEANFIRST FINANCIAL CORP (OCFC) Fundamental Analysis & Valuation

NASDAQ:OCFC • US6752341080

Current stock price

18.98 USD
+0.32 (+1.71%)
At close:
18.98 USD
0 (0%)
After Hours:

This OCFC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. OCFC Profitability Analysis

1.1 Basic Checks

  • OCFC had positive earnings in the past year.
  • OCFC had a positive operating cash flow in the past year.
  • OCFC had positive earnings in each of the past 5 years.
  • In the past 5 years OCFC always reported a positive cash flow from operatings.
OCFC Yearly Net Income VS EBIT VS OCF VS FCFOCFC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

1.2 Ratios

  • OCFC has a worse Return On Assets (0.46%) than 84.47% of its industry peers.
  • The Return On Equity of OCFC (4.04%) is worse than 86.32% of its industry peers.
Industry RankSector Rank
ROA 0.46%
ROE 4.04%
ROIC N/A
ROA(3y)0.64%
ROA(5y)0.78%
ROE(3y)5.23%
ROE(5y)6.34%
ROIC(3y)N/A
ROIC(5y)N/A
OCFC Yearly ROA, ROE, ROICOCFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • OCFC has a Profit Margin of 16.58%. This is amonst the worse of the industry: OCFC underperforms 80.26% of its industry peers.
  • OCFC's Profit Margin has been stable in the last couple of years.
  • OCFC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 16.58%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-20.23%
PM growth 5Y0.94%
GM growth 3YN/A
GM growth 5YN/A
OCFC Yearly Profit, Operating, Gross MarginsOCFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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2

2. OCFC Health Analysis

2.1 Basic Checks

  • OCFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for OCFC has been reduced compared to 1 year ago.
  • OCFC has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, OCFC has a worse debt to assets ratio.
OCFC Yearly Shares OutstandingOCFC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
OCFC Yearly Total Debt VS Total AssetsOCFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B

2.2 Solvency

  • The Debt to FCF ratio of OCFC is 3.89, which is a good value as it means it would take OCFC, 3.89 years of fcf income to pay off all of its debts.
  • OCFC has a worse Debt to FCF ratio (3.89) than 65.79% of its industry peers.
  • A Debt/Equity ratio of 0.19 indicates that OCFC is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.19, OCFC is in line with its industry, outperforming 45.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 3.89
Altman-Z N/A
ROIC/WACCN/A
WACC12.78%
OCFC Yearly LT Debt VS Equity VS FCFOCFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
OCFC Yearly Current Assets VS Current LiabilitesOCFC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. OCFC Growth Analysis

3.1 Past

  • OCFC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -10.62%.
  • OCFC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.57% yearly.
  • OCFC shows a small growth in Revenue. In the last year, the Revenue has grown by 5.39%.
  • OCFC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.91% yearly.
EPS 1Y (TTM)-10.62%
EPS 3Y-15.26%
EPS 5Y3.57%
EPS Q2Q%7.89%
Revenue 1Y (TTM)5.39%
Revenue growth 3Y-2.48%
Revenue growth 5Y0.91%
Sales Q2Q%14.34%

3.2 Future

  • OCFC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 25.18% yearly.
  • The Revenue is expected to grow by 28.51% on average over the next years. This is a very strong growth
EPS Next Y31.39%
EPS Next 2Y31.65%
EPS Next 3Y25.18%
EPS Next 5YN/A
Revenue Next Year56.36%
Revenue Next 2Y38.1%
Revenue Next 3Y28.51%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
OCFC Yearly Revenue VS EstimatesOCFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M
OCFC Yearly EPS VS EstimatesOCFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.5 1 1.5 2 2.5

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5

4. OCFC Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 13.27, OCFC is valued correctly.
  • OCFC's Price/Earnings ratio is in line with the industry average.
  • OCFC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.91.
  • A Price/Forward Earnings ratio of 10.10 indicates a reasonable valuation of OCFC.
  • Based on the Price/Forward Earnings ratio, OCFC is valued a bit cheaper than the industry average as 63.16% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of OCFC to the average of the S&P500 Index (23.69), we can say OCFC is valued rather cheaply.
Industry RankSector Rank
PE 13.27
Fwd PE 10.1
OCFC Price Earnings VS Forward Price EarningsOCFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • OCFC's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 13.7
EV/EBITDA N/A
OCFC Per share dataOCFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • OCFC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as OCFC's earnings are expected to grow with 25.18% in the coming years.
PEG (NY)0.42
PEG (5Y)3.72
EPS Next 2Y31.65%
EPS Next 3Y25.18%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. OCFC Dividend Analysis

5.1 Amount

  • OCFC has a Yearly Dividend Yield of 4.59%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.73, OCFC pays a better dividend. On top of this OCFC pays more dividend than 90.79% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, OCFC pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.59%

5.2 History

  • The dividend of OCFC has a limited annual growth rate of 1.30%.
  • OCFC has paid a dividend for at least 10 years, which is a reliable track record.
  • OCFC has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)1.3%
Div Incr Years0
Div Non Decr Years3
OCFC Yearly Dividends per shareOCFC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • OCFC pays out 71.87% of its income as dividend. This is not a sustainable payout ratio.
  • OCFC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP71.87%
EPS Next 2Y31.65%
EPS Next 3Y25.18%
OCFC Yearly Income VS Free CF VS DividendOCFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M
OCFC Dividend Payout.OCFC Dividend Payout, showing the Payout Ratio.OCFC Dividend Payout.PayoutRetained Earnings

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OCFC Fundamentals: All Metrics, Ratios and Statistics

OCEANFIRST FINANCIAL CORP

NASDAQ:OCFC (4/8/2026, 8:00:02 PM)

After market: 18.98 0 (0%)

18.98

+0.32 (+1.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners82.49%
Inst Owner Change0%
Ins Owners3.29%
Ins Owner Change5.63%
Market Cap1.09B
Revenue(TTM)404.92M
Net Income(TTM)67.13M
Analysts76.67
Price Target22.44 (18.23%)
Short Float %7.85%
Short Ratio6.11
Dividend
Industry RankSector Rank
Dividend Yield 4.59%
Yearly Dividend0.83
Dividend Growth(5Y)1.3%
DP71.87%
Div Incr Years0
Div Non Decr Years3
Ex-Date02-02
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.35%
Min EPS beat(2)-0.16%
Max EPS beat(2)4.86%
EPS beat(4)1
Avg EPS beat(4)-1.39%
Min EPS beat(4)-8.78%
Max EPS beat(4)4.86%
EPS beat(8)4
Avg EPS beat(8)-0.97%
EPS beat(12)5
Avg EPS beat(12)-2.91%
EPS beat(16)8
Avg EPS beat(16)-1.54%
Revenue beat(2)0
Avg Revenue beat(2)-1.91%
Min Revenue beat(2)-2.57%
Max Revenue beat(2)-1.26%
Revenue beat(4)1
Avg Revenue beat(4)-2.16%
Min Revenue beat(4)-6.02%
Max Revenue beat(4)1.21%
Revenue beat(8)1
Avg Revenue beat(8)-3.09%
Revenue beat(12)1
Avg Revenue beat(12)-3.45%
Revenue beat(16)5
Avg Revenue beat(16)0.99%
PT rev (1m)0%
PT rev (3m)2.33%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.17%
EPS NY rev (1m)0%
EPS NY rev (3m)0.95%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.69%
Revenue NY rev (1m)0%
Revenue NY rev (3m)38.92%
Valuation
Industry RankSector Rank
PE 13.27
Fwd PE 10.1
P/S 2.69
P/FCF 13.7
P/OCF 12.49
P/B 0.66
P/tB 0.96
EV/EBITDA N/A
EPS(TTM)1.43
EY7.53%
EPS(NY)1.88
Fwd EY9.9%
FCF(TTM)1.39
FCFY7.3%
OCF(TTM)1.52
OCFY8.01%
SpS7.05
BVpS28.96
TBVpS19.79
PEG (NY)0.42
PEG (5Y)3.72
Graham Number30.53
Profitability
Industry RankSector Rank
ROA 0.46%
ROE 4.04%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 16.58%
GM N/A
FCFM 19.64%
ROA(3y)0.64%
ROA(5y)0.78%
ROE(3y)5.23%
ROE(5y)6.34%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-20.23%
PM growth 5Y0.94%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 3.89
Debt/EBITDA N/A
Cap/Depr 53.42%
Cap/Sales 1.9%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 118.45%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC12.78%
ROIC/WACCN/A
Cap/Depr(3y)50.82%
Cap/Depr(5y)112.2%
Cap/Sales(3y)1.93%
Cap/Sales(5y)4.47%
Profit Quality(3y)107.72%
Profit Quality(5y)119.07%
High Growth Momentum
Growth
EPS 1Y (TTM)-10.62%
EPS 3Y-15.26%
EPS 5Y3.57%
EPS Q2Q%7.89%
EPS Next Y31.39%
EPS Next 2Y31.65%
EPS Next 3Y25.18%
EPS Next 5YN/A
Revenue 1Y (TTM)5.39%
Revenue growth 3Y-2.48%
Revenue growth 5Y0.91%
Sales Q2Q%14.34%
Revenue Next Year56.36%
Revenue Next 2Y38.1%
Revenue Next 3Y28.51%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-6.1%
FCF growth 3Y-29.78%
FCF growth 5Y-7.59%
OCF growth 1Y-5.46%
OCF growth 3Y-29.65%
OCF growth 5Y-8.05%

OCEANFIRST FINANCIAL CORP / OCFC Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for OCEANFIRST FINANCIAL CORP?

ChartMill assigns a fundamental rating of 4 / 10 to OCFC.


What is the valuation status of OCEANFIRST FINANCIAL CORP (OCFC) stock?

ChartMill assigns a valuation rating of 5 / 10 to OCEANFIRST FINANCIAL CORP (OCFC). This can be considered as Fairly Valued.


How profitable is OCEANFIRST FINANCIAL CORP (OCFC) stock?

OCEANFIRST FINANCIAL CORP (OCFC) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for OCFC stock?

The Price/Earnings (PE) ratio for OCEANFIRST FINANCIAL CORP (OCFC) is 13.27 and the Price/Book (PB) ratio is 0.66.


What is the expected EPS growth for OCEANFIRST FINANCIAL CORP (OCFC) stock?

The Earnings per Share (EPS) of OCEANFIRST FINANCIAL CORP (OCFC) is expected to grow by 31.39% in the next year.