OCEANFIRST FINANCIAL CORP (OCFC) Fundamental Analysis & Valuation

NASDAQ:OCFC • US6752341080

17.79 USD
-0.11 (-0.61%)
At close: Mar 11, 2026
17.79 USD
0 (0%)
After Hours: 3/11/2026, 8:17:04 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This OCFC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to OCFC. OCFC was compared to 381 industry peers in the Banks industry. Both the profitability and financial health of OCFC have multiple concerns. OCFC is not valued too expensively and it also shows a decent growth rate. Finally OCFC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. OCFC Profitability Analysis

1.1 Basic Checks

  • In the past year OCFC was profitable.
  • OCFC had a positive operating cash flow in the past year.
  • OCFC had positive earnings in each of the past 5 years.
  • OCFC had a positive operating cash flow in 4 of the past 5 years.
OCFC Yearly Net Income VS EBIT VS OCF VS FCFOCFC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.52%, OCFC is doing worse than 79.27% of the companies in the same industry.
  • With a Return On Equity value of 4.53%, OCFC is not doing good in the industry: 82.41% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.52%
ROE 4.53%
ROIC N/A
ROA(3y)0.64%
ROA(5y)0.78%
ROE(3y)5.23%
ROE(5y)6.34%
ROIC(3y)N/A
ROIC(5y)N/A
OCFC Yearly ROA, ROE, ROICOCFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • With a Profit Margin value of 18.93%, OCFC is not doing good in the industry: 73.49% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of OCFC has remained more or less at the same level.
  • The Operating Margin and Gross Margin are not available for OCFC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 18.93%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-20.23%
PM growth 5Y0.94%
GM growth 3YN/A
GM growth 5YN/A
OCFC Yearly Profit, Operating, Gross MarginsOCFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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2

2. OCFC Health Analysis

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 reduced compared to 5 years ago.
  • The debt/assets ratio for OCFC is higher compared to a year ago.
OCFC Yearly Shares OutstandingOCFC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
OCFC Yearly Total Debt VS Total AssetsOCFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B

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.
  • Looking at the Debt to FCF ratio, with a value of 2.94, OCFC is doing worse than 60.89% of the companies in the same industry.
  • 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 in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 2.94
Altman-Z N/A
ROIC/WACCN/A
WACC15.68%
OCFC Yearly LT Debt VS Equity VS FCFOCFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
OCFC Yearly Current Assets VS Current LiabilitesOCFC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. OCFC Growth Analysis

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 small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.57% yearly.
  • OCFC shows a small growth in Revenue. In the last year, the Revenue has grown by 5.39%.
  • OCFC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.91% yearly.
EPS 1Y (TTM)-10.62%
EPS 3Y-15.26%
EPS 5Y3.57%
EPS Q2Q%7.89%
Revenue 1Y (TTM)5.39%
Revenue growth 3Y-2.48%
Revenue growth 5Y0.91%
Sales Q2Q%14.34%

3.2 Future

  • The Earnings Per Share is expected to grow by 25.18% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, OCFC will show a very strong growth in Revenue. The Revenue will grow by 28.51% on average per year.
EPS Next Y31.39%
EPS Next 2Y31.65%
EPS Next 3Y25.18%
EPS Next 5YN/A
Revenue Next Year56.36%
Revenue Next 2Y38.1%
Revenue Next 3Y28.51%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
OCFC Yearly Revenue VS EstimatesOCFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M
OCFC Yearly EPS VS EstimatesOCFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.5 1 1.5 2 2.5

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5

4. OCFC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.44 indicates a correct valuation of OCFC.
  • OCFC's Price/Earnings is on the same level as the industry average.
  • OCFC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.15.
  • The Price/Forward Earnings ratio is 9.47, which indicates a very decent valuation of OCFC.
  • 61.94% 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 24.27.
Industry RankSector Rank
PE 12.44
Fwd PE 9.47
OCFC Price Earnings VS Forward Price EarningsOCFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as OCFC.
Industry RankSector Rank
P/FCF 11.4
EV/EBITDA N/A
OCFC Per share dataOCFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • OCFC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • OCFC's earnings are expected to grow with 25.18% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.4
PEG (5Y)3.49
EPS Next 2Y31.65%
EPS Next 3Y25.18%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. OCFC Dividend Analysis

5.1 Amount

  • OCFC has a Yearly Dividend Yield of 4.35%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.86, OCFC pays a better dividend. On top of this OCFC pays more dividend than 84.51% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, OCFC pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.35%

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
OCFC Yearly Dividends per shareOCFC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • OCFC pays out 65.99% of its income as dividend. This is not a sustainable payout ratio.
  • OCFC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP65.99%
EPS Next 2Y31.65%
EPS Next 3Y25.18%
OCFC Yearly Income VS Free CF VS DividendOCFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M
OCFC Dividend Payout.OCFC Dividend Payout, showing the Payout Ratio.OCFC Dividend Payout.PayoutRetained Earnings

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OCFC Fundamentals: All Metrics, Ratios and Statistics

OCEANFIRST FINANCIAL CORP

NASDAQ:OCFC (3/11/2026, 8:17:04 PM)

After market: 17.79 0 (0%)

17.79

-0.11 (-0.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners82.49%
Inst Owner Change-0.85%
Ins Owners3.29%
Ins Owner Change5.63%
Market Cap1.02B
Revenue(TTM)404.92M
Net Income(TTM)74.94M
Analysts76.67
Price Target22.44 (26.14%)
Short Float %6.5%
Short Ratio5.03
Dividend
Industry RankSector Rank
Dividend Yield 4.35%
Yearly Dividend0.86
Dividend Growth(5Y)4.32%
DP65.99%
Div Incr Years0
Div Non Decr Years2
Ex-Date02-02
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)3.53%
PT rev (3m)2.33%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.67%
EPS NY rev (1m)-5.76%
EPS NY rev (3m)0.95%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.33%
Revenue NY rev (1m)0.55%
Revenue NY rev (3m)38.92%
Valuation
Industry RankSector Rank
PE 12.44
Fwd PE 9.47
P/S 2.58
P/FCF 11.4
P/OCF 10.64
P/B 0.62
P/tB 0.91
EV/EBITDA N/A
EPS(TTM)1.43
EY8.04%
EPS(NY)1.88
Fwd EY10.56%
FCF(TTM)1.56
FCFY8.77%
OCF(TTM)1.67
OCFY9.4%
SpS6.9
BVpS28.79
TBVpS19.5
PEG (NY)0.4
PEG (5Y)3.49
Graham Number30.44
Profitability
Industry RankSector 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)0.64%
ROA(5y)0.78%
ROE(3y)5.23%
ROE(5y)6.34%
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-20.23%
PM growth 5Y0.94%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector 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
WACC15.68%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-10.62%
EPS 3Y-15.26%
EPS 5Y3.57%
EPS Q2Q%7.89%
EPS Next Y31.39%
EPS Next 2Y31.65%
EPS Next 3Y25.18%
EPS Next 5YN/A
Revenue 1Y (TTM)5.39%
Revenue growth 3Y-2.48%
Revenue growth 5Y0.91%
Sales Q2Q%14.34%
Revenue Next Year56.36%
Revenue Next 2Y38.1%
Revenue Next 3Y28.51%
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 1Y586.71%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y366.05%
OCF growth 3YN/A
OCF growth 5YN/A

OCEANFIRST FINANCIAL CORP / OCFC FAQ

Can you provide the ChartMill fundamental rating for OCEANFIRST FINANCIAL CORP?

ChartMill assigns a fundamental rating of 4 / 10 to OCFC.


Can you provide the valuation status for OCEANFIRST FINANCIAL CORP?

ChartMill assigns a valuation rating of 5 / 10 to OCEANFIRST FINANCIAL CORP (OCFC). This can be considered as Fairly Valued.


What is the profitability of OCFC stock?

OCEANFIRST FINANCIAL CORP (OCFC) has a profitability rating of 2 / 10.


What is the financial health of OCEANFIRST FINANCIAL CORP (OCFC) stock?

The financial health rating of OCEANFIRST FINANCIAL CORP (OCFC) is 2 / 10.


What is the expected EPS growth for OCEANFIRST FINANCIAL CORP (OCFC) stock?

The Earnings per Share (EPS) of OCEANFIRST FINANCIAL CORP (OCFC) is expected to grow by 31.39% in the next year.