OCEANFIRST FINANCIAL CORP(NASDAQ:OCFC) stock Fundamental Analysis

Fundamental Rating

OCFC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. OCFC has a bad profitability rating. Also its financial health evaluation is rather negative. OCFC has a correct valuation and a medium growth rate. 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.

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

In the past 5 years OCFC has always been profitable.

OCFC had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

OCFC has a Return On Assets of 0.75%. This is comparable to the rest of the industry: OCFC outperforms 44.36% of its industry peers.

OCFC has a worse Return On Equity (6.01%) than 68.92% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.75%
ROE	6.01%
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 better Profit Margin (26.22%) than 68.92% of its industry peers.

In the last couple of years the Profit Margin of OCFC has declined.

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)	26.22%
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.

Compared to 1 year ago, OCFC has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of OCFC is 38.42, which is on the high side as it means it would take OCFC, 38.42 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of OCFC (38.42) is worse than 79.95% of its industry peers.

A Debt/Equity ratio of 0.30 indicates that OCFC is not too dependend on debt financing.

OCFC has a worse Debt to Equity ratio (0.30) than 64.91% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.3
Debt/FCF	38.42
Altman-Z	N/A

ROIC/WACCN/A

WACC12%

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 -10.11%.

Measured over the past years, OCFC shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.02% on average per year.

The Revenue has decreased by -4.75% in the past year.

Measured over the past years, OCFC shows a small growth in Revenue. The Revenue has been growing by 5.20% on average per year.

EPS 1Y (TTM)-10.11%

EPS 3Y-4.9%

EPS 5Y-5.02%

EPS Q2Q%-15.56%

Revenue 1Y (TTM)-4.75%

Revenue growth 3Y2.46%

Revenue growth 5Y5.2%

Sales Q2Q%-5.12%

3.2 Future

The Earnings Per Share is expected to grow by 12.24% 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 8.36% yearly.

EPS Next Y-1.22%

EPS Next 2Y12.24%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year3.75%

Revenue Next 2Y8.36%

Revenue Next 3YN/A

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.

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 11.06 indicates a reasonable valuation of OCFC.

Based on the Price/Earnings ratio, OCFC is valued a bit cheaper than 72.18% of the companies in the same industry.

OCFC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.62.

Based on the Price/Forward Earnings ratio of 11.20, the valuation of OCFC can be described as reasonable.

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

Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, OCFC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.06
Fwd PE	11.2

4.2 Price Multiples

OCFC's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. OCFC is more expensive than 79.70% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	79.45
EV/EBITDA	N/A

4.3 Compensation for Growth

A more expensive valuation may be justified as OCFC's earnings are expected to grow with 12.24% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y12.24%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.44%, OCFC is a good candidate for dividend investing.

OCFC's Dividend Yield is rather good when compared to the industry average which is at 3.19. OCFC pays more dividend than 84.21% of the companies in the same industry.

OCFC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.27.

		Industry Rank	Sector Rank
Dividend Yield	4.44%

5.2 History

The dividend of OCFC has a limited annual growth rate of 3.45%.

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)3.45%

Div Incr Years1

Div Non Decr Years2

5.3 Sustainability

OCFC pays out 50.18% 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.

DP50.18%

EPS Next 2Y12.24%

EPS Next 3YN/A

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OCEANFIRST FINANCIAL CORP

NASDAQ:OCFC (2/21/2025, 8:00:01 PM)

After market: 17.7 0 (0%)

17.7

-0.32 (-1.78%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-23 2025-01-23/amc

Earnings (Next)04-16 2025-04-16/amc

Inst Owners75.32%

Inst Owner Change-87.89%

Ins Owners2.89%

Ins Owner Change-0.08%

Market Cap1.04B

Analysts78.46

Price Target22.08 (24.75%)

Short Float %1.05%

Short Ratio1.84

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.44%

Yearly Dividend0.87

Dividend Growth(5Y)3.45%

DP50.18%

Div Incr Years1

Div Non Decr Years2

Ex-Date02-03 2025-02-03 (0.2)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-5.04%

Min EPS beat(2)-10.22%

Max EPS beat(2)0.13%

EPS beat(4)3

Avg EPS beat(4)-0.35%

Min EPS beat(4)-10.22%

Max EPS beat(4)5.21%

EPS beat(8)4

Avg EPS beat(8)-3.28%

EPS beat(12)7

Avg EPS beat(12)-1.2%

EPS beat(16)11

Avg EPS beat(16)0.93%

Revenue beat(2)0

Avg Revenue beat(2)-4.36%

Min Revenue beat(2)-5.63%

Max Revenue beat(2)-3.09%

Revenue beat(4)0

Avg Revenue beat(4)-4.18%

Min Revenue beat(4)-5.63%

Max Revenue beat(4)-3.09%

Revenue beat(8)1

Avg Revenue beat(8)0.51%

Revenue beat(12)5

Avg Revenue beat(12)3.09%

Revenue beat(16)9

Avg Revenue beat(16)8.12%

PT rev (1m)-1.3%

PT rev (3m)3.06%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)-4.25%

EPS NY rev (3m)-4%

Revenue NQ rev (1m)2.23%

Revenue NQ rev (3m)2.23%

Revenue NY rev (1m)-1.55%

Revenue NY rev (3m)1.29%

Valuation

		Industry Rank	Sector Rank
PE	11.06
Fwd PE	11.2
P/S	2.67
P/FCF	79.45
P/OCF	50.31
P/B	0.61
P/tB	0.88
EV/EBITDA	N/A

EPS(TTM)1.6

EY9.04%

EPS(NY)1.58

Fwd EY8.93%

FCF(TTM)0.22

FCFY1.26%

OCF(TTM)0.35

OCFY1.99%

SpS6.63

BVpS28.93

TBVpS20.16

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.75%
ROE	6.01%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	26.22%
GM	N/A
FCFM	3.36%

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	0.3
Debt/FCF	38.42
Debt/EBITDA	N/A
Cap/Depr	50.06%
Cap/Sales	1.95%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	12.81%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC12%

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)-10.11%

EPS 3Y-4.9%

EPS 5Y-5.02%

EPS Q2Q%-15.56%

EPS Next Y-1.22%

EPS Next 2Y12.24%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-4.75%

Revenue growth 3Y2.46%

Revenue growth 5Y5.2%

Sales Q2Q%-5.12%

Revenue Next Year3.75%

Revenue Next 2Y8.36%

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-92.9%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-89.25%

OCF growth 3YN/A

OCF growth 5YN/A

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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