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OCEANFIRST FINANCIAL CORP (OCFC) Stock Fundamental Analysis

NASDAQ:OCFC - Nasdaq - US6752341080 - Common Stock - Currency: USD

16.65  -0.12 (-0.72%)

After market: 16.65 0 (0%)

Fundamental Rating

3

OCFC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. OCFC may be in some trouble as it scores bad on both profitability and health. OCFC has a decent growth rate and is not valued too expensively. Finally OCFC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

In the past year OCFC was profitable.
In the past year OCFC had a positive cash flow from operations.
In the past 5 years OCFC has always been profitable.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

1.2 Ratios

OCFC has a worse Return On Assets (0.67%) than 64.05% of its industry peers.
OCFC's Return On Equity of 5.20% is on the low side compared to the rest of the industry. OCFC is outperformed by 75.95% of its industry peers.
Industry RankSector Rank
ROA 0.67%
ROE 5.2%
ROIC N/A
ROA(3y)0.85%
ROA(5y)0.8%
ROE(3y)6.89%
ROE(5y)6.36%
ROIC(3y)N/A
ROIC(5y)N/A
OCFC Yearly ROA, ROE, ROICOCFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

The Profit Margin of OCFC (23.17%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of OCFC has declined.
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) 23.17%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.59%
PM growth 5Y-3.4%
GM growth 3YN/A
GM growth 5YN/A
OCFC Yearly Profit, Operating, Gross MarginsOCFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

2

2. Health

2.1 Basic Checks

OCFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
OCFC has less shares outstanding than it did 1 year ago.
The number of shares outstanding for OCFC has been increased compared to 5 years ago.
The debt/assets ratio for OCFC has been reduced compared to a year ago.
OCFC Yearly Shares OutstandingOCFC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
OCFC Yearly Total Debt VS Total AssetsOCFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

The Debt to FCF ratio of OCFC is 7.39, which is on the high side as it means it would take OCFC, 7.39 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of OCFC (7.39) is worse than 75.19% of its industry peers.
A Debt/Equity ratio of 0.15 indicates that OCFC is not too dependend on debt financing.
OCFC has a Debt to Equity ratio (0.15) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 7.39
Altman-Z N/A
ROIC/WACCN/A
WACC16.61%
OCFC Yearly LT Debt VS Equity VS FCFOCFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

4

3. Growth

3.1 Past

OCFC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.58%.
OCFC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.02% yearly.
The Revenue has decreased by -4.33% in the past year.
OCFC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.20% yearly.
EPS 1Y (TTM)-9.58%
EPS 3Y-4.9%
EPS 5Y-5.02%
EPS Q2Q%-20.45%
Revenue 1Y (TTM)-4.33%
Revenue growth 3Y2.46%
Revenue growth 5Y5.2%
Sales Q2Q%0.5%

3.2 Future

The Earnings Per Share is expected to grow by 9.62% on average over the next years. This is quite good.
OCFC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.48% yearly.
EPS Next Y-6.93%
EPS Next 2Y9.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.73%
Revenue Next 2Y9.48%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
OCFC Yearly Revenue VS EstimatesOCFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M
OCFC Yearly EPS VS EstimatesOCFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.03 indicates a reasonable valuation of OCFC.
OCFC's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.34. OCFC is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 8.66, which indicates a very decent valuation of OCFC.
63.29% of the companies in the same industry are more expensive than OCFC, based on the Price/Forward Earnings ratio.
OCFC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.03.
Industry RankSector Rank
PE 11.03
Fwd PE 8.66
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

Based on the Price/Free Cash Flow ratio, OCFC is valued a bit more expensive than 78.99% of the companies in the same industry.
Industry RankSector Rank
P/FCF 27.3
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

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y9.62%
EPS Next 3YN/A

7

5. Dividend

5.1 Amount

OCFC has a Yearly Dividend Yield of 4.77%, which is a nice return.
OCFC's Dividend Yield is rather good when compared to the industry average which is at 3.61. OCFC pays more dividend than 83.54% of the companies in the same industry.
OCFC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
Industry RankSector Rank
Dividend Yield 4.77%

5.2 History

The dividend of OCFC has a limited annual growth rate of 4.32%.
OCFC has paid a dividend for at least 10 years, which is a reliable track record.
OCFC has decreased its dividend in the last 3 years.
Dividend Growth(5Y)4.32%
Div Incr Years0
Div Non Decr Years2
OCFC Yearly Dividends per shareOCFC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

OCFC pays out 57.05% of its income as dividend. This is a bit on the high side, but may be sustainable.
OCFC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP57.05%
EPS Next 2Y9.62%
EPS Next 3YN/A
OCFC Yearly Income VS Free CF VS DividendOCFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
OCFC Dividend Payout.OCFC Dividend Payout, showing the Payout Ratio.OCFC Dividend Payout.PayoutRetained Earnings

OCEANFIRST FINANCIAL CORP

NASDAQ:OCFC (6/20/2025, 8:00:02 PM)

After market: 16.65 0 (0%)

16.65

-0.12 (-0.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/amc
Earnings (Next)07-16 2025-07-16/amc
Inst Owners77.62%
Inst Owner Change4.58%
Ins Owners3.22%
Ins Owner Change5.34%
Market Cap972.03M
Analysts78.46
Price Target20.55 (23.42%)
Short Float %1.63%
Short Ratio3.06
Dividend
Industry RankSector Rank
Dividend Yield 4.77%
Yearly Dividend0.86
Dividend Growth(5Y)4.32%
DP57.05%
Div Incr Years0
Div Non Decr Years2
Ex-Date05-05 2025-05-05 (0.2)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.58%
Min EPS beat(2)-1.48%
Max EPS beat(2)2.63%
EPS beat(4)2
Avg EPS beat(4)-2.23%
Min EPS beat(4)-10.22%
Max EPS beat(4)2.63%
EPS beat(8)4
Avg EPS beat(8)-1.91%
EPS beat(12)6
Avg EPS beat(12)-2.05%
EPS beat(16)10
Avg EPS beat(16)0.46%
Revenue beat(2)1
Avg Revenue beat(2)-1.42%
Min Revenue beat(2)-4.06%
Max Revenue beat(2)1.21%
Revenue beat(4)1
Avg Revenue beat(4)-2.89%
Min Revenue beat(4)-5.63%
Max Revenue beat(4)1.21%
Revenue beat(8)1
Avg Revenue beat(8)-2.94%
Revenue beat(12)4
Avg Revenue beat(12)1.17%
Revenue beat(16)8
Avg Revenue beat(16)3.47%
PT rev (1m)0%
PT rev (3m)-6.93%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-9.4%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.78%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.41%
Valuation
Industry RankSector Rank
PE 11.03
Fwd PE 8.66
P/S 2.53
P/FCF 27.3
P/OCF 21.92
P/B 0.57
P/tB 0.83
EV/EBITDA N/A
EPS(TTM)1.51
EY9.07%
EPS(NY)1.92
Fwd EY11.55%
FCF(TTM)0.61
FCFY3.66%
OCF(TTM)0.76
OCFY4.56%
SpS6.57
BVpS29.26
TBVpS20.1
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.67%
ROE 5.2%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.17%
GM N/A
FCFM 9.28%
ROA(3y)0.85%
ROA(5y)0.8%
ROE(3y)6.89%
ROE(5y)6.36%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.59%
PM growth 5Y-3.4%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 7.39
Debt/EBITDA N/A
Cap/Depr 60.9%
Cap/Sales 2.28%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 40.05%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC16.61%
ROIC/WACCN/A
Cap/Depr(3y)75.23%
Cap/Depr(5y)121.38%
Cap/Sales(3y)2.89%
Cap/Sales(5y)4.84%
Profit Quality(3y)121.9%
Profit Quality(5y)133.95%
High Growth Momentum
Growth
EPS 1Y (TTM)-9.58%
EPS 3Y-4.9%
EPS 5Y-5.02%
EPS Q2Q%-20.45%
EPS Next Y-6.93%
EPS Next 2Y9.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.33%
Revenue growth 3Y2.46%
Revenue growth 5Y5.2%
Sales Q2Q%0.5%
Revenue Next Year6.73%
Revenue Next 2Y9.48%
Revenue Next 3YN/A
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-82.37%
FCF growth 3Y-10.47%
FCF growth 5Y-2.3%
OCF growth 1Y-79.59%
OCF growth 3Y-16.77%
OCF growth 5Y-1.64%