19.29 USD
-0.05 (-0.26%)
Last: Feb 11, 2026, 10:55 AM
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. OCFC also has an excellent dividend rating.
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.
- Each year in the past 5 years OCFC has been profitable.
- Of the past 5 years OCFC 4 years had a positive operating cash flow.
1.2 Ratios
- OCFC has a Return On Assets of 0.52%. This is in the lower half of the industry: OCFC underperforms 75.59% of its industry peers.
- OCFC's Return On Equity of 4.53% is on the low side compared to the rest of the industry. OCFC is outperformed by 79.53% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- With a Profit Margin value of 18.93%, OCFC is not doing good in the industry: 69.55% of the companies in the same industry are doing better.
- OCFC's Profit Margin has been stable in the last couple of years.
- 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) | 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
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 less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, OCFC has a worse debt to assets ratio.
2.2 Solvency
- OCFC has a debt to FCF ratio of 2.94. This is a good value and a sign of high solvency as OCFC would need 2.94 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 2.94, OCFC is doing worse than 62.20% 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 of 0.16. This is comparable to the rest of the industry: OCFC outperforms 52.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 2.94 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.37%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for OCFC have decreased strongly by -10.62% in the last year.
- OCFC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.57% yearly.
- Looking at the last year, OCFC shows a small growth in Revenue. The Revenue has grown by 5.39% in the last year.
- The Revenue has been growing slightly by 0.91% on average over the past years.
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 31.72% on average over the next years. This is a very strong growth
- The Revenue is expected to grow by 37.32% on average over the next years. This is a very strong growth
EPS Next Y39.41%
EPS Next 2Y31.72%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year55.51%
Revenue Next 2Y37.32%
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 13.49 indicates a correct valuation of OCFC.
- Compared to the rest of the industry, the Price/Earnings ratio of OCFC is on the same level as its industry peers.
- OCFC is valuated cheaply when we compare the Price/Earnings ratio to 28.03, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 9.68, the valuation of OCFC can be described as reasonable.
- Based on the Price/Forward Earnings ratio, OCFC is valued a bit cheaper than the industry average as 74.02% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of OCFC to the average of the S&P500 Index (27.97), we can say OCFC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.49 | ||
| Fwd PE | 9.68 |
4.2 Price Multiples
- OCFC's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.36 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as OCFC's earnings are expected to grow with 31.72% in the coming years.
PEG (NY)0.34
PEG (5Y)3.78
EPS Next 2Y31.72%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.07%, OCFC is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.53, OCFC pays a better dividend. On top of this OCFC pays more dividend than 88.19% 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 1.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.07% |
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
- 65.99% of the earnings are spent on dividend by OCFC. This is not a sustainable payout ratio.
- The dividend of OCFC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP65.99%
EPS Next 2Y31.72%
EPS Next 3YN/A
NASDAQ:OCFC (2/11/2026, 10:55:33 AM)
19.29
-0.05 (-0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22 2026-01-22/amc
Earnings (Next)04-22 2026-04-22
Inst Owners78.91%
Inst Owner Change-2.44%
Ins Owners3.27%
Ins Owner Change0%
Market Cap1.11B
Revenue(TTM)404.92M
Net Income(TTM)74.94M
Analysts78.33
Price Target21.68 (12.39%)
Short Float %4.35%
Short Ratio4.04
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.07% |
Yearly Dividend0.86
Dividend Growth(5Y)4.32%
DP65.99%
Div Incr Years0
Div Non Decr Years2
Ex-Date02-02 2026-02-02 (0.2)
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)-1.16%
PT rev (3m)2%
EPS NQ rev (1m)-2.67%
EPS NQ rev (3m)-2.36%
EPS NY rev (1m)7.11%
EPS NY rev (3m)4.69%
Revenue NQ rev (1m)0.33%
Revenue NQ rev (3m)0.58%
Revenue NY rev (1m)38.16%
Revenue NY rev (3m)37.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.49 | ||
| Fwd PE | 9.68 | ||
| P/S | 2.8 | ||
| P/FCF | 12.36 | ||
| P/OCF | 11.53 | ||
| P/B | 0.67 | ||
| P/tB | 0.99 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.43
EY7.41%
EPS(NY)1.99
Fwd EY10.33%
FCF(TTM)1.56
FCFY8.09%
OCF(TTM)1.67
OCFY8.67%
SpS6.9
BVpS28.79
TBVpS19.5
PEG (NY)0.34
PEG (5Y)3.78
Graham Number30.44
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC15.37%
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 Y39.41%
EPS Next 2Y31.72%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.39%
Revenue growth 3Y-2.48%
Revenue growth 5Y0.91%
Sales Q2Q%14.34%
Revenue Next Year55.51%
Revenue Next 2Y37.32%
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 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 6 / 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 39.41% in the next year.