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OCEANFIRST FINANCIAL CORP (OCFC) Stock Fundamental Analysis

NASDAQ:OCFC - Nasdaq - US6752341080 - Common Stock - Currency: USD

16.5  +0.15 (+0.92%)

After market: 16.5 0 (0%)

Fundamental Rating

4

OCFC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. OCFC may be in some trouble as it scores bad on both profitability and health. 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

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3

1. Profitability

1.1 Basic Checks

In the past year OCFC was profitable.
OCFC had a positive operating cash flow in the past year.
Each year in the past 5 years OCFC has been profitable.
In the past 5 years OCFC always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

1.2 Ratios

The Return On Assets of OCFC (0.72%) is comparable to the rest of the industry.
OCFC has a worse Return On Equity (5.64%) than 70.35% of its industry peers.
Industry RankSector Rank
ROA 0.72%
ROE 5.64%
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
OCFC Yearly ROA, ROE, ROICOCFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

OCFC's Profit Margin of 25.00% is in line compared to the rest of the industry. OCFC outperforms 57.54% 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 RankSector Rank
OM N/A
PM (TTM) 25%
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
OCFC Yearly Profit, Operating, Gross MarginsOCFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

OCFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for OCFC has been reduced compared to 1 year ago.
Compared to 5 years ago, OCFC has more shares outstanding
The debt/assets ratio for OCFC has been reduced compared to a year ago.
OCFC Yearly Shares OutstandingOCFC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
OCFC Yearly Total Debt VS Total AssetsOCFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

OCFC has a debt to FCF ratio of 3.05. This is a good value and a sign of high solvency as OCFC would need 3.05 years to pay back of all of its debts.
The Debt to FCF ratio of OCFC (3.05) is comparable to the rest of the industry.
OCFC has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
OCFC has a Debt to Equity ratio of 0.15. This is comparable to the rest of the industry: OCFC outperforms 59.80% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 3.05
Altman-Z N/A
ROIC/WACCN/A
WACC16.02%
OCFC Yearly LT Debt VS Equity VS FCFOCFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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4

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%.
OCFC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.02% yearly.
OCFC shows a decrease in Revenue. In the last year, the revenue decreased by -4.75%.
OCFC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.20% yearly.
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

OCFC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.97% yearly.
The Revenue is expected to grow by 9.39% on average over the next years. This is quite good.
EPS Next Y-1.21%
EPS Next 2Y11.97%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.18%
Revenue Next 2Y9.39%
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.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M
OCFC Yearly EPS VS EstimatesOCFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.31, the valuation of OCFC can be described as very reasonable.
Based on the Price/Earnings ratio, OCFC is valued a bit cheaper than the industry average as 70.60% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 28.92. OCFC is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 10.44, the valuation of OCFC can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of OCFC is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.65, OCFC is valued rather cheaply.
Industry RankSector Rank
PE 10.31
Fwd PE 10.44
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

OCFC's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 11.38
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

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y11.97%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

OCFC has a Yearly Dividend Yield of 4.89%, which is a nice return.
Compared to an average industry Dividend Yield of 3.63, OCFC pays a better dividend. On top of this OCFC pays more dividend than 84.67% 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 2.51.
Industry RankSector Rank
Dividend Yield 4.89%

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 Years1
Div Non Decr Years2
OCFC Yearly Dividends per shareOCFC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

52.97% of the earnings are spent on dividend by OCFC. 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.
DP52.97%
EPS Next 2Y11.97%
EPS Next 3YN/A
OCFC Yearly Income VS Free CF VS DividendOCFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
OCFC Dividend Payout.OCFC Dividend Payout, showing the Payout Ratio.OCFC Dividend Payout.PayoutRetained Earnings

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OCEANFIRST FINANCIAL CORP

NASDAQ:OCFC (4/24/2025, 8:00:02 PM)

After market: 16.5 0 (0%)

16.5

+0.15 (+0.92%)

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 Owners75.32%
Inst Owner Change0.06%
Ins Owners2.89%
Ins Owner Change8.01%
Market Cap963.27M
Analysts78.46
Price Target21.2 (28.48%)
Short Float %1.03%
Short Ratio1.83
Dividend
Industry RankSector Rank
Dividend Yield 4.89%
Yearly Dividend0.86
Dividend Growth(5Y)4.32%
DP52.97%
Div Incr Years1
Div Non Decr Years2
Ex-Date02-03 2025-02-03 (0.2)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.38%
Min EPS beat(2)0.13%
Max EPS beat(2)2.63%
EPS beat(4)3
Avg EPS beat(4)-0.56%
Min EPS beat(4)-10.22%
Max EPS beat(4)5.21%
EPS beat(8)4
Avg EPS beat(8)-3.66%
EPS beat(12)7
Avg EPS beat(12)-1.58%
EPS beat(16)11
Avg EPS beat(16)0.98%
Revenue beat(2)0
Avg Revenue beat(2)-3.58%
Min Revenue beat(2)-4.06%
Max Revenue beat(2)-3.09%
Revenue beat(4)0
Avg Revenue beat(4)-4.01%
Min Revenue beat(4)-5.63%
Max Revenue beat(4)-3.09%
Revenue beat(8)0
Avg Revenue beat(8)-4.1%
Revenue beat(12)4
Avg Revenue beat(12)2.03%
Revenue beat(16)8
Avg Revenue beat(16)4.48%
PT rev (1m)-0.66%
PT rev (3m)-1.95%
EPS NQ rev (1m)-0.41%
EPS NQ rev (3m)-1.73%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.25%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)1.49%
Revenue NY rev (1m)-0.11%
Revenue NY rev (3m)0.75%
Valuation
Industry RankSector Rank
PE 10.31
Fwd PE 10.44
P/S 2.51
P/FCF 11.38
P/OCF 10.44
P/B 0.57
P/tB 0.83
EV/EBITDA N/A
EPS(TTM)1.6
EY9.7%
EPS(NY)1.58
Fwd EY9.58%
FCF(TTM)1.45
FCFY8.79%
OCF(TTM)1.58
OCFY9.58%
SpS6.58
BVpS29.15
TBVpS19.97
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.72%
ROE 5.64%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25%
GM N/A
FCFM 22.04%
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 RankSector Rank
Debt/Equity 0.15
Debt/FCF 3.05
Debt/EBITDA N/A
Cap/Depr 52.03%
Cap/Sales 1.97%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 88.16%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC16.02%
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)-10.11%
EPS 3Y-4.9%
EPS 5Y-5.02%
EPS Q2Q%-15.56%
EPS Next Y-1.21%
EPS Next 2Y11.97%
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 Year6.18%
Revenue Next 2Y9.39%
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-27.35%
FCF growth 3Y-10.47%
FCF growth 5Y-2.3%
OCF growth 1Y-25.77%
OCF growth 3Y-16.77%
OCF growth 5Y-1.64%