OCFC Fundamental Analysis - OCEANFIRST FINANCIAL CORP

Fundamental Rating

OCFC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. OCFC has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, OCFC is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

OCFC had positive earnings in the past year.

OCFC had a positive operating cash flow in the past year.

Each year in the past 5 years OCFC has been profitable.

OCFC had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

With a Return On Assets value of 0.61%, OCFC is not doing good in the industry: 69.13% of the companies in the same industry are doing better.

The Return On Equity of OCFC (4.97%) is worse than 75.51% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.61%
ROE	4.97%
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

OCFC has a Profit Margin of 20.97%. This is in the lower half of the industry: OCFC underperforms 61.22% of its industry peers.

In the last couple of years the Profit Margin of OCFC has declined.

The Operating Margin and Gross Margin are not available for OCFC so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	20.97%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The debt/assets ratio for OCFC has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of OCFC is 6.00, which is a neutral value as it means it would take OCFC, 6.00 years of fcf income to pay off all of its debts.

OCFC has a Debt to FCF ratio of 6.00. This is in the lower half of the industry: OCFC underperforms 70.15% of its industry peers.

A Debt/Equity ratio of 0.16 indicates that OCFC is not too dependend on debt financing.

OCFC has a Debt to Equity ratio (0.16) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	6
Altman-Z	N/A

ROIC/WACCN/A

WACC15.78%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

OCFC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -10.62%.

The Earnings Per Share has been decreasing by -5.02% on average over the past years.

The Revenue has decreased by -0.89% in the past year.

The Revenue has been growing slightly by 5.20% on average over the past years.

EPS 1Y (TTM)-10.62%

EPS 3Y-4.9%

EPS 5Y-5.02%

EPS Q2Q%-20.51%

Revenue 1Y (TTM)-0.89%

Revenue growth 3Y2.46%

Revenue growth 5Y5.2%

Sales Q2Q%6.53%

3.2 Future

OCFC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.41% yearly.

Based on estimates for the next years, OCFC will show a quite strong growth in Revenue. The Revenue will grow by 8.80% on average per year.

EPS Next Y-13.41%

EPS Next 2Y7.41%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year5.29%

Revenue Next 2Y8.8%

Revenue Next 3YN/A

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.94, which indicates a correct valuation of OCFC.

The rest of the industry has a similar Price/Earnings ratio as OCFC.

The average S&P500 Price/Earnings ratio is at 27.41. OCFC is valued rather cheaply when compared to this.

With a Price/Forward Earnings ratio of 10.02, the valuation of OCFC can be described as very reasonable.

60.46% of the companies in the same industry are more expensive than OCFC, based on the Price/Forward Earnings ratio.

OCFC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.88, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	12.94
Fwd PE	10.02

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of OCFC indicates a slightly more expensive valuation: OCFC is more expensive than 73.47% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	24.54
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y7.41%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

OCFC has a Yearly Dividend Yield of 4.38%, which is a nice return.

OCFC's Dividend Yield is a higher than the industry average which is at 3.73.

Compared to an average S&P500 Dividend Yield of 2.38, OCFC pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.38%

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

62.00% of the earnings are spent on dividend by OCFC. This is not a sustainable payout ratio.

OCFC's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP62%

EPS Next 2Y7.41%

EPS Next 3YN/A

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OCEANFIRST FINANCIAL CORP

NASDAQ:OCFC (9/18/2025, 8:11:24 PM)

After market: 18.5 0 (0%)

18.5

+0.63 (+3.53%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/amc

Earnings (Next)10-15 2025-10-15/amc

Inst Owners78.93%

Inst Owner Change1.11%

Ins Owners3.27%

Ins Owner Change-0.46%

Market Cap1.06B

Analysts80

Price Target20.7 (11.89%)

Short Float %1.44%

Short Ratio2.78

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.38%

Yearly Dividend0.86

Dividend Growth(5Y)4.32%

DP62%

Div Incr Years0

Div Non Decr Years2

Ex-Date08-04 2025-08-04 (0.2)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-5.13%

Min EPS beat(2)-8.78%

Max EPS beat(2)-1.48%

EPS beat(4)2

Avg EPS beat(4)-1.87%

Min EPS beat(4)-8.78%

Max EPS beat(4)2.63%

EPS beat(8)4

Avg EPS beat(8)-2.5%

EPS beat(12)5

Avg EPS beat(12)-3.19%

EPS beat(16)9

Avg EPS beat(16)-0.82%

Revenue beat(2)1

Avg Revenue beat(2)-2.4%

Min Revenue beat(2)-6.02%

Max Revenue beat(2)1.21%

Revenue beat(4)1

Avg Revenue beat(4)-2.99%

Min Revenue beat(4)-6.02%

Max Revenue beat(4)1.21%

Revenue beat(8)1

Avg Revenue beat(8)-3.48%

Revenue beat(12)3

Avg Revenue beat(12)0.24%

Revenue beat(16)7

Avg Revenue beat(16)2.56%

PT rev (1m)0%

PT rev (3m)0.74%

EPS NQ rev (1m)0.44%

EPS NQ rev (3m)-10.07%

EPS NY rev (1m)-6.59%

EPS NY rev (3m)-6.97%

Revenue NQ rev (1m)-3.26%

Revenue NQ rev (3m)-1.43%

Revenue NY rev (1m)-5.32%

Revenue NY rev (3m)-1.36%

Valuation

		Industry Rank	Sector Rank
PE	12.94
Fwd PE	10.02
P/S	2.72
P/FCF	24.54
P/OCF	21.57
P/B	0.65
P/tB	0.96
EV/EBITDA	N/A

EPS(TTM)1.43

EY7.73%

EPS(NY)1.85

Fwd EY9.98%

FCF(TTM)0.75

FCFY4.07%

OCF(TTM)0.86

OCFY4.64%

SpS6.79

BVpS28.63

TBVpS19.32

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.61%
ROE	4.97%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	20.97%
GM	N/A
FCFM	11.1%

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-Score4

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	6
Debt/EBITDA	N/A
Cap/Depr	42.03%
Cap/Sales	1.53%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	52.93%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC15.78%

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)-10.62%

EPS 3Y-4.9%

EPS 5Y-5.02%

EPS Q2Q%-20.51%

EPS Next Y-13.41%

EPS Next 2Y7.41%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-0.89%

Revenue growth 3Y2.46%

Revenue growth 5Y5.2%

Sales Q2Q%6.53%

Revenue Next Year5.29%

Revenue Next 2Y8.8%

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-79.06%

FCF growth 3Y-10.47%

FCF growth 5Y-2.3%

OCF growth 1Y-77.68%

OCF growth 3Y-16.77%

OCF growth 5Y-1.64%

OCEANFIRST FINANCIAL CORP (OCFC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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