OCFC Fundamental Analysis - OCEANFIRST FINANCIAL CORP

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to OCFC. OCFC was compared to 393 industry peers in the Banks industry. Both the profitability and financial health of OCFC have multiple concerns. While showing a medium growth rate, OCFC is valued expensive at the moment. Finally 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.

In the past 5 years OCFC has always been profitable.

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

1.2 Ratios

With a Return On Assets value of 0.61%, OCFC is not doing good in the industry: 67.18% of the companies in the same industry are doing better.

OCFC has a Return On Equity of 4.97%. This is in the lower half of the industry: OCFC underperforms 74.30% 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's Profit Margin of 20.97% is in line compared to the rest of the industry. OCFC outperforms 40.71% 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)	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.

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.

OCFC has a better debt/assets ratio than last year.

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's Debt to FCF ratio of 6.00 is on the low side compared to the rest of the industry. OCFC is outperformed by 70.74% of its industry peers.

OCFC has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.

With a Debt to Equity ratio value of 0.16, OCFC perfoms like the industry average, outperforming 53.94% of the companies in the same industry.

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

ROIC/WACCN/A

WACC16%

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

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

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 -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

Based on estimates for the next years, OCFC will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.18% on average per year.

Based on estimates for the next years, OCFC will show a quite strong growth in Revenue. The Revenue will grow by 10.00% on average per year.

EPS Next Y-7.31%

EPS Next 2Y9.18%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year11.2%

Revenue Next 2Y10%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.67 indicates a correct valuation of OCFC.

OCFC's Price/Earnings is on the same level as the industry average.

Compared to an average S&P500 Price/Earnings ratio of 26.76, OCFC is valued rather cheaply.

The Price/Forward Earnings ratio is 9.50, which indicates a very decent valuation of OCFC.

Based on the Price/Forward Earnings ratio, OCFC is valued a bit cheaper than the industry average as 69.47% of the companies are valued more expensively.

OCFC is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.91, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	12.67
Fwd PE	9.5

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, OCFC is valued a bit more expensive than 74.30% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	24.04
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y9.18%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.56%, OCFC is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.41, OCFC pays a better dividend. On top of this OCFC pays more dividend than 81.42% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.36, OCFC pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.56%

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.

The dividend of OCFC decreased 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 2Y9.18%

EPS Next 3YN/A

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OCEANFIRST FINANCIAL CORP

NASDAQ:OCFC (8/22/2025, 11:42:38 AM)

18.12

+0.92 (+5.35%)

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 Change1.12%

Ins Owners3.27%

Ins Owner Change5.34%

Market Cap1.04B

Analysts80

Price Target20.7 (14.24%)

Short Float %1.4%

Short Ratio2.61

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.56%

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)0.74%

PT rev (3m)0.74%

EPS NQ rev (1m)-9.15%

EPS NQ rev (3m)-15.15%

EPS NY rev (1m)0%

EPS NY rev (3m)-0.41%

Revenue NQ rev (1m)2.28%

Revenue NQ rev (3m)4.74%

Revenue NY rev (1m)4.45%

Revenue NY rev (3m)4.19%

Valuation

		Industry Rank	Sector Rank
PE	12.67
Fwd PE	9.5
P/S	2.67
P/FCF	24.04
P/OCF	21.13
P/B	0.63
P/tB	0.94
EV/EBITDA	N/A

EPS(TTM)1.43

EY7.89%

EPS(NY)1.91

Fwd EY10.53%

FCF(TTM)0.75

FCFY4.16%

OCF(TTM)0.86

OCFY4.73%

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

WACC16%

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-7.31%

EPS Next 2Y9.18%

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 Year11.2%

Revenue Next 2Y10%

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

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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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