OCFC Fundamental Analysis - OCEANFIRST FINANCIAL CORP

Fundamental Rating

Taking everything into account, OCFC scores 3 out of 10 in our fundamental rating. OCFC was compared to 395 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. OCFC also has an excellent dividend rating.

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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.

Each year in the past 5 years OCFC had a positive operating cash flow.

1.2 Ratios

OCFC's Return On Assets of 0.67% is on the low side compared to the rest of the industry. OCFC is outperformed by 64.05% of its industry peers.

OCFC has a worse Return On Equity (5.20%) than 75.95% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

OCFC has a Profit Margin of 23.17%. This is comparable to the rest of the industry: OCFC outperforms 47.09% of its industry peers.

OCFC's Profit Margin has declined 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 Rank	Sector 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

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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.

OCFC has less shares outstanding than it did 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 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.

OCFC has a worse Debt to FCF ratio (7.39) than 75.19% of its industry peers.

OCFC has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.

OCFC has a Debt to Equity ratio of 0.15. This is comparable to the rest of the industry: OCFC outperforms 54.94% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	7.39
Altman-Z	N/A

ROIC/WACCN/A

WACC16.37%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for OCFC have decreased by -9.58% in the last year.

OCFC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.02% yearly.

Looking at the last year, OCFC shows a decrease in Revenue. The Revenue has decreased by -4.33% in the last year.

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

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

Based on estimates for the next years, OCFC will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.62% on average per year.

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.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.44 indicates a correct valuation of OCFC.

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

Compared to an average S&P500 Price/Earnings ratio of 27.45, OCFC is valued rather cheaply.

The Price/Forward Earnings ratio is 9.77, which indicates a very decent valuation of OCFC.

60.51% 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 21.90.

		Industry Rank	Sector Rank
PE	12.44
Fwd PE	9.77

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, OCFC is valued more expensive than 80.25% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	30.8
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y9.62%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.53%, OCFC is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.47, OCFC pays a better dividend. On top of this OCFC pays more dividend than 83.04% 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 2.42.

		Industry Rank	Sector Rank
Dividend Yield	4.53%

5.2 History

The dividend of OCFC has a limited annual growth rate of 4.32%.

OCFC has been paying a dividend for at least 10 years, so it has 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

57.05% of the earnings are spent on dividend by OCFC. This is a bit on the high side, but may be sustainable.

The dividend of OCFC is growing, but earnings are growing more, so the dividend growth is sustainable.

DP57.05%

EPS Next 2Y9.62%

EPS Next 3YN/A

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OCEANFIRST FINANCIAL CORP

NASDAQ:OCFC (7/3/2025, 7:56:28 PM)

After market: 18.78 0 (0%)

18.78

+0.2 (+1.08%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-24 2025-04-24/amc

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

Inst Owners77.62%

Inst Owner Change4.58%

Ins Owners3.22%

Ins Owner Change5.34%

Market Cap1.10B

Analysts78.46

Price Target20.55 (9.42%)

Short Float %1.63%

Short Ratio3.17

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.53%

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)-6.62%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-9.4%

EPS NY rev (1m)0%

EPS NY rev (3m)-6.73%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)3.69%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.41%

Valuation

		Industry Rank	Sector Rank
PE	12.44
Fwd PE	9.77
P/S	2.86
P/FCF	30.8
P/OCF	24.72
P/B	0.64
P/tB	0.93
EV/EBITDA	N/A

EPS(TTM)1.51

EY8.04%

EPS(NY)1.92

Fwd EY10.24%

FCF(TTM)0.61

FCFY3.25%

OCF(TTM)0.76

OCFY4.04%

SpS6.57

BVpS29.26

TBVpS20.1

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC16.37%

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%

OCEANFIRST FINANCIAL CORP (OCFC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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