18.925 USD
+0.05 (+0.29%)
We assign a fundamental rating of 3 out of 10 to OCFC. OCFC was compared to 387 industry peers in the Banks industry. Both the profitability and financial health of OCFC have multiple concerns. OCFC is valied quite expensively at the moment, while it does show a decent growth rate. Finally OCFC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
OCFC had positive earnings in the past year.
In the past year OCFC had a positive cash flow from operations.
OCFC had positive earnings in each of the past 5 years.
OCFC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.52%, OCFC is doing worse than 75.19% of the companies in the same industry.
OCFC has a Return On Equity of 4.53%. This is in the lower half of the industry: OCFC underperforms 79.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 4.53% | ||
| 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
1.3 Margins
Looking at the Profit Margin, with a value of 18.93%, OCFC is doing worse than 67.96% of the companies in the same 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 18.93% | ||
| 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
2. Health
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 more shares outstanding than it did 5 years ago.
Compared to 1 year ago, OCFC has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of OCFC is 2.94, which is a good value as it means it would take OCFC, 2.94 years of fcf income to pay off all of its debts.
OCFC has a Debt to FCF ratio of 2.94. This is in the lower half of the industry: OCFC underperforms 60.21% of its industry peers.
A Debt/Equity ratio of 0.16 indicates that OCFC is not too dependend on debt financing.
The Debt to Equity ratio of OCFC (0.16) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 2.94 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.42%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for OCFC have decreased strongly by -16.17% in the last year.
The Earnings Per Share has been decreasing by -5.02% on average over the past years.
Looking at the last year, OCFC shows a small growth in Revenue. The Revenue has grown by 1.92% in the last year.
The Revenue has been growing slightly by 5.20% on average over the past years.
EPS 1Y (TTM)-16.17%
EPS 3Y-4.9%
EPS 5Y-5.02%
EPS Q2Q%-7.69%
Revenue 1Y (TTM)1.92%
Revenue growth 3Y2.46%
Revenue growth 5Y5.2%
Sales Q2Q%10.26%
3.2 Future
The Earnings Per Share is expected to grow by 11.52% on average over the next years. This is quite good.
The Revenue is expected to grow by 10.14% on average over the next years. This is quite good.
EPS Next Y-10.56%
EPS Next 2Y9.1%
EPS Next 3Y11.52%
EPS Next 5YN/A
Revenue Next Year5.71%
Revenue Next 2Y9.2%
Revenue Next 3Y10.14%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 13.52, OCFC is valued correctly.
Based on the Price/Earnings ratio, OCFC is valued a bit more expensive than 60.47% of the companies in the same industry.
When comparing the Price/Earnings ratio of OCFC to the average of the S&P500 Index (26.15), we can say OCFC is valued slightly cheaper.
With a Price/Forward Earnings ratio of 9.94, the valuation of OCFC can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of OCFC is on the same level as its industry peers.
OCFC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.12.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.52 | ||
| Fwd PE | 9.94 |
4.2 Price Multiples
OCFC's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.13 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y9.1%
EPS Next 3Y11.52%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.60%, OCFC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.33, OCFC pays a better dividend. On top of this OCFC pays more dividend than 85.53% of the companies listed in the same industry.
OCFC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.6% |
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
5.3 Sustainability
65.99% of the earnings are spent on dividend by OCFC. This is not a sustainable payout ratio.
The dividend of OCFC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP65.99%
EPS Next 2Y9.1%
EPS Next 3Y11.52%
NASDAQ:OCFC (11/28/2025, 11:23:58 AM)
18.925
+0.05 (+0.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners78.59%
Inst Owner Change1.38%
Ins Owners3.27%
Ins Owner Change0%
Market Cap1.09B
Revenue(TTM)395.80M
Net Income(TTM)74.94M
Analysts81.67
Price Target21.93 (15.88%)
Short Float %4.32%
Short Ratio6.04
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.6% |
Yearly Dividend0.86
Dividend Growth(5Y)4.32%
DP65.99%
Div Incr Years0
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4.47%
Min EPS beat(2)-8.78%
Max EPS beat(2)-0.16%
EPS beat(4)1
Avg EPS beat(4)-1.95%
Min EPS beat(4)-8.78%
Max EPS beat(4)2.63%
EPS beat(8)4
Avg EPS beat(8)-1.15%
EPS beat(12)5
Avg EPS beat(12)-2.83%
EPS beat(16)8
Avg EPS beat(16)-1.39%
Revenue beat(2)0
Avg Revenue beat(2)-4.3%
Min Revenue beat(2)-6.02%
Max Revenue beat(2)-2.57%
Revenue beat(4)1
Avg Revenue beat(4)-2.86%
Min Revenue beat(4)-6.02%
Max Revenue beat(4)1.21%
Revenue beat(8)1
Avg Revenue beat(8)-3.52%
Revenue beat(12)2
Avg Revenue beat(12)-0.61%
Revenue beat(16)6
Avg Revenue beat(16)1.6%
PT rev (1m)5.74%
PT rev (3m)5.95%
EPS NQ rev (1m)3.91%
EPS NQ rev (3m)10.36%
EPS NY rev (1m)1.2%
EPS NY rev (3m)3.29%
Revenue NQ rev (1m)0.48%
Revenue NQ rev (3m)0.8%
Revenue NY rev (1m)0.2%
Revenue NY rev (3m)0.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.52 | ||
| Fwd PE | 9.94 | ||
| P/S | 2.74 | ||
| P/FCF | 12.13 | ||
| P/OCF | 11.31 | ||
| P/B | 0.66 | ||
| P/tB | 0.97 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.4
EY7.4%
EPS(NY)1.9
Fwd EY10.06%
FCF(TTM)1.56
FCFY8.25%
OCF(TTM)1.67
OCFY8.84%
SpS6.9
BVpS28.79
TBVpS19.5
PEG (NY)N/A
PEG (5Y)N/A
Graham Number30.12
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 4.53% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 18.93% | ||
| GM | N/A | ||
| FCFM | 22.63% |
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
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-5.59%
PM growth 5Y-3.4%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 2.94 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 45.05% | ||
| Cap/Sales | 1.63% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 119.53% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC15.42%
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)-16.17%
EPS 3Y-4.9%
EPS 5Y-5.02%
EPS Q2Q%-7.69%
EPS Next Y-10.56%
EPS Next 2Y9.1%
EPS Next 3Y11.52%
EPS Next 5YN/A
Revenue 1Y (TTM)1.92%
Revenue growth 3Y2.46%
Revenue growth 5Y5.2%
Sales Q2Q%10.26%
Revenue Next Year5.71%
Revenue Next 2Y9.2%
Revenue Next 3Y10.14%
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-51.24%
FCF growth 3Y-10.47%
FCF growth 5Y-2.3%
OCF growth 1Y-49.89%
OCF growth 3Y-16.77%
OCF growth 5Y-1.64%
OCEANFIRST FINANCIAL CORP / OCFC FAQ
Can you provide the ChartMill fundamental rating for OCEANFIRST FINANCIAL CORP?
ChartMill assigns a fundamental rating of 3 / 10 to OCFC.
What is the valuation status for OCFC stock?
ChartMill assigns a valuation rating of 3 / 10 to OCEANFIRST FINANCIAL CORP (OCFC). This can be considered as Overvalued.
What is the profitability of 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 13.52 and the Price/Book (PB) ratio is 0.66.
How financially healthy is OCEANFIRST FINANCIAL CORP?
The financial health rating of OCEANFIRST FINANCIAL CORP (OCFC) is 2 / 10.