OCFC Fundamental Analysis - OCEANFIRST FINANCIAL CORP

Fundamental Rating

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.

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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.

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 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

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 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.

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.

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

ROIC/WACCN/A

WACC16.61%

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 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.

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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 Rank	Sector Rank
PE	11.03
Fwd PE	8.66

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 Rank	Sector Rank
P/FCF	27.3
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

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 Rank	Sector 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

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

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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 Rank	Sector 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 Rank	Sector 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 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

WACC16.61%

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%

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

More info and screens