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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 1.01
NAS:OCFC's Cash to Debt is ranked lower than
62% of the 1639 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.98 vs. NAS:OCFC: 1.01 )
Ranked among companies with meaningful Cash to Debt only.
NAS:OCFC' s Cash to Debt Range Over the Past 10 Years
Min: -0.1  Med: 0.12 Max: No Debt
Current: 1.01
-0.1
No Debt
Equity to Asset 0.10
NAS:OCFC's Equity to Asset is ranked lower than
52% of the 1660 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. NAS:OCFC: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
NAS:OCFC' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.09 Max: 0.19
Current: 0.1
0.06
0.19
Interest Coverage 2.98
NAS:OCFC's Interest Coverage is ranked higher than
67% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. NAS:OCFC: 2.98 )
Ranked among companies with meaningful Interest Coverage only.
NAS:OCFC' s Interest Coverage Range Over the Past 10 Years
Min: 0.02  Med: 1.53 Max: 4.07
Current: 2.98
0.02
4.07
F-Score: 6
M-Score: -1.91
WACC vs ROIC
4.23%
4.34%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 27.67
NAS:OCFC's Operating margin (%) is ranked lower than
59% of the 1678 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.78 vs. NAS:OCFC: 27.67 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:OCFC' s Operating margin (%) Range Over the Past 10 Years
Min: 1.69  Med: 31.96 Max: 34.78
Current: 27.67
1.69
34.78
Net-margin (%) 18.00
NAS:OCFC's Net-margin (%) is ranked lower than
65% of the 1677 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.15 vs. NAS:OCFC: 18.00 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:OCFC' s Net-margin (%) Range Over the Past 10 Years
Min: 1.94  Med: 21.32 Max: 22.39
Current: 18
1.94
22.39
ROE (%) 7.21
NAS:OCFC's ROE (%) is ranked lower than
59% of the 1675 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.39 vs. NAS:OCFC: 7.21 )
Ranked among companies with meaningful ROE (%) only.
NAS:OCFC' s ROE (%) Range Over the Past 10 Years
Min: 0.84  Med: 9.19 Max: 12.1
Current: 7.21
0.84
12.1
ROA (%) 0.70
NAS:OCFC's ROA (%) is ranked lower than
62% of the 1683 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. NAS:OCFC: 0.70 )
Ranked among companies with meaningful ROA (%) only.
NAS:OCFC' s ROA (%) Range Over the Past 10 Years
Min: 0.05  Med: 0.82 Max: 0.95
Current: 0.7
0.05
0.95
Revenue Growth (3Y)(%) 2.70
NAS:OCFC's Revenue Growth (3Y)(%) is ranked lower than
53% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. NAS:OCFC: 2.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:OCFC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.7  Med: 2.2 Max: 26.6
Current: 2.7
-7.7
26.6
EBITDA Growth (3Y)(%) 3.20
NAS:OCFC's EBITDA Growth (3Y)(%) is ranked lower than
58% of the 1253 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. NAS:OCFC: 3.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:OCFC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -35.3  Med: 1.4 Max: 228.2
Current: 3.2
-35.3
228.2
EPS Growth (3Y)(%) 2.60
NAS:OCFC's EPS Growth (3Y)(%) is ranked lower than
64% of the 1231 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. NAS:OCFC: 2.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS:OCFC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -60.1  Med: 2.7 Max: 131.7
Current: 2.6
-60.1
131.7
» NAS:OCFC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q4 2015

OCFC Guru Trades in Q4 2015

Charles Brandes 32,823 sh (+29.35%)
Jim Simons 422,844 sh (+1.37%)
Private Capital 283,273 sh (-2.48%)
» More
Q1 2016

OCFC Guru Trades in Q1 2016

Charles Brandes 63,560 sh (+93.64%)
Jim Simons 529,955 sh (+25.33%)
Private Capital 331,326 sh (+16.96%)
» More
Q2 2016

OCFC Guru Trades in Q2 2016

Jim Simons 781,028 sh (+47.38%)
Charles Brandes 69,433 sh (+9.24%)
Private Capital 346,366 sh (+4.54%)
» More
Q3 2016

OCFC Guru Trades in Q3 2016

Jim Simons 953,228 sh (+22.05%)
Private Capital 348,327 sh (+0.57%)
Charles Brandes 66,722 sh (-3.90%)
» More
» Details

Insider Trades

Latest Guru Trades with OCFC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:LOB, NAS:HONE, NAS:WSBF, NAS:DCOM, NAS:FFIC, NAS:HMST, NAS:CASH, NAS:FDEF, NAS:BKMU, NAS:UCFC, NAS:UBNK, NAS:CSBK, NAS:EBTC, NAS:BSF, OTCPK:BFCF, NAS:TBNK, NAS:BFIN, NAS:EBSB, OTCPK:NASB, NAS:HBCP » details
Oceanfirst Financial Corp serves as the holding Company for OceanFirst Bank. The Company is a savings and loan holding company.

OceanFirst Financial Corp was incorporated under Delaware law on November 21, 1995. It serves as the holding company for OceanFirst Bank. The Bank's is engaged in attracting retail and business deposits in the communities surrounding its branch offices and investing those deposits in loans, consisting of single-family, owner-occupied residential mortgage loans, and commercial real estate and other commercial loans which have become a key focus of the Bank. The Bank also invests in other types of loans, including residential construction and consumer loans. In addition, the Bank invests in mortgage-backed securities, securities issued by the U.S. Government and agencies thereof, corporate securities and other investments permitted by applicable law and regulations. The Bank is a community-oriented financial institution, offering financial services to meet the needs of the communities it serves. The Bank conducts its business through an administrative/branch office located in Toms River, New Jersey, and twenty-two additional branch offices. Eighteen of the offices are located in Ocean County, New Jersey, four offices are in Monmouth County including a Financial Solutions Center in Red Bank also offering lending and wealth management services and one in Middlesex County. The Bank also operates a wealth management office in Manchester, New Jersey. A commercial loan production office was opened in Mercer County in the first quarter of 2015 to serve the broader central New Jersey market area. The Bank's competition for loans comes principally from commercial banks, savings banks, savings and loan associations, credit unions, mortgage banking companies and insurance companies. Its direct competition for deposits has historically come from commercial banks, savings banks, savings and loan associations and credit unions although the Bank also faces competition for deposits from short-term money market funds, other corporate and government securities funds, internet-only providers and from other financial service institutions such as brokerage firms and insurance companies. As a savings and loan holding company, the Company is required by Federal law to file reports with, and comply with the rules and regulations of the FRB.

Ratios

vs
industry
vs
history
P/E(ttm) 25.46
OCFC's P/E(ttm) is ranked lower than
83% of the 1557 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.95 vs. OCFC: 25.46 )
Ranked among companies with meaningful P/E(ttm) only.
OCFC' s P/E(ttm) Range Over the Past 10 Years
Min: 6.35  Med: 13.98 Max: 188.11
Current: 25.46
6.35
188.11
Forward P/E 16.61
OCFC's Forward P/E is ranked lower than
51% of the 334 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.24 vs. OCFC: 16.61 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 25.46
OCFC's PE(NRI) is ranked lower than
83% of the 1539 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.98 vs. OCFC: 25.46 )
Ranked among companies with meaningful PE(NRI) only.
OCFC' s PE(NRI) Range Over the Past 10 Years
Min: 6.35  Med: 13.98 Max: 188.11
Current: 25.46
6.35
188.11
Price/Owner Earnings (ttm) 20.10
OCFC's Price/Owner Earnings (ttm) is ranked lower than
68% of the 883 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.78 vs. OCFC: 20.10 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
OCFC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.3  Med: 14.18 Max: 472.86
Current: 20.1
3.3
472.86
P/B 1.65
OCFC's P/B is ranked lower than
75% of the 1662 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. OCFC: 1.65 )
Ranked among companies with meaningful P/B only.
OCFC' s P/B Range Over the Past 10 Years
Min: 0.79  Med: 1.3 Max: 2.28
Current: 1.65
0.79
2.28
P/S 4.57
OCFC's P/S is ranked lower than
70% of the 1645 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.21 vs. OCFC: 4.57 )
Ranked among companies with meaningful P/S only.
OCFC' s P/S Range Over the Past 10 Years
Min: 1.27  Med: 3.09 Max: 4.57
Current: 4.57
1.27
4.57
PFCF 12.71
OCFC's PFCF is ranked higher than
51% of the 826 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.19 vs. OCFC: 12.71 )
Ranked among companies with meaningful PFCF only.
OCFC' s PFCF Range Over the Past 10 Years
Min: 2.71  Med: 9.89 Max: 39.22
Current: 12.71
2.71
39.22
POCF 11.42
OCFC's POCF is ranked lower than
51% of the 925 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.51 vs. OCFC: 11.42 )
Ranked among companies with meaningful POCF only.
OCFC' s POCF Range Over the Past 10 Years
Min: 2.65  Med: 8.76 Max: 19.65
Current: 11.42
2.65
19.65
EV-to-EBIT 25.79
OCFC's EV-to-EBIT is ranked lower than
70% of the 1265 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.31 vs. OCFC: 25.79 )
Ranked among companies with meaningful EV-to-EBIT only.
OCFC' s EV-to-EBIT Range Over the Past 10 Years
Min: -198  Med: 18.8 Max: 639.3
Current: 25.79
-198
639.3
EV-to-EBITDA 22.50
OCFC's EV-to-EBITDA is ranked lower than
69% of the 1263 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.92 vs. OCFC: 22.50 )
Ranked among companies with meaningful EV-to-EBITDA only.
OCFC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 12.3  Med: 17 Max: 386.9
Current: 22.5
12.3
386.9
PEG 10.43
OCFC's PEG is ranked lower than
94% of the 752 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.28 vs. OCFC: 10.43 )
Ranked among companies with meaningful PEG only.
OCFC' s PEG Range Over the Past 10 Years
Min: 0.4  Med: 3.14 Max: 17.18
Current: 10.43
0.4
17.18
Shiller P/E 26.45
OCFC's Shiller P/E is ranked lower than
65% of the 502 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.35 vs. OCFC: 26.45 )
Ranked among companies with meaningful Shiller P/E only.
OCFC' s Shiller P/E Range Over the Past 10 Years
Min: 5.92  Med: 12.8 Max: 26.45
Current: 26.45
5.92
26.45

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.98
OCFC's Dividend Yield is ranked lower than
64% of the 2376 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.79 vs. OCFC: 1.98 )
Ranked among companies with meaningful Dividend Yield only.
OCFC' s Dividend Yield Range Over the Past 10 Years
Min: 2  Med: 3.53 Max: 10.32
Current: 1.98
2
10.32
Dividend Payout 0.48
OCFC's Dividend Payout is ranked lower than
74% of the 1294 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. OCFC: 0.48 )
Ranked among companies with meaningful Dividend Payout only.
OCFC' s Dividend Payout Range Over the Past 10 Years
Min: 0.36  Med: 0.47 Max: 10
Current: 0.48
0.36
10
Dividend Growth (3y) 2.70
OCFC's Dividend Growth (3y) is ranked lower than
69% of the 739 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.00 vs. OCFC: 2.70 )
Ranked among companies with meaningful Dividend Growth (3y) only.
OCFC' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.7 Max: 33.9
Current: 2.7
0
33.9
Forward Dividend Yield 2.20
OCFC's Forward Dividend Yield is ranked lower than
62% of the 2299 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.98 vs. OCFC: 2.20 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.13
OCFC's Yield on cost (5-Year) is ranked lower than
71% of the 2629 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. OCFC: 2.13 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
OCFC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.13  Med: 3.77 Max: 11.01
Current: 2.13
2.13
11.01
3-Year Average Share Buyback Ratio 1.10
OCFC's 3-Year Average Share Buyback Ratio is ranked higher than
86% of the 1061 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. OCFC: 1.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
OCFC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -15.4  Med: 2.6 Max: 12.3
Current: 1.1
-15.4
12.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.03
OCFC's Price/Tangible Book is ranked lower than
78% of the 1660 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. OCFC: 2.03 )
Ranked among companies with meaningful Price/Tangible Book only.
OCFC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.91  Med: 1.42 Max: 2.85
Current: 2.03
0.91
2.85
Price/Projected FCF 1.16
OCFC's Price/Projected FCF is ranked lower than
77% of the 872 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.74 vs. OCFC: 1.16 )
Ranked among companies with meaningful Price/Projected FCF only.
OCFC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.31  Med: 0.71 Max: 1.41
Current: 1.16
0.31
1.41
Price/Median PS Value 1.48
OCFC's Price/Median PS Value is ranked lower than
76% of the 1450 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. OCFC: 1.48 )
Ranked among companies with meaningful Price/Median PS Value only.
OCFC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.54  Med: 1.13 Max: 4.24
Current: 1.48
0.54
4.24
Price/Graham Number 1.52
OCFC's Price/Graham Number is ranked lower than
82% of the 1404 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.92 vs. OCFC: 1.52 )
Ranked among companies with meaningful Price/Graham Number only.
OCFC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.64  Med: 1.04 Max: 4.86
Current: 1.52
0.64
4.86
Earnings Yield (Greenblatt) (%) 3.87
OCFC's Earnings Yield (Greenblatt) (%) is ranked lower than
53% of the 1663 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. OCFC: 3.87 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
OCFC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.2  Med: 5.3 Max: 7.9
Current: 3.87
0.2
7.9
Forward Rate of Return (Yacktman) (%) 7.82
OCFC's Forward Rate of Return (Yacktman) (%) is ranked lower than
61% of the 886 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.59 vs. OCFC: 7.82 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
OCFC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -18.6  Med: 8.2 Max: 45.7
Current: 7.82
-18.6
45.7

More Statistics

Revenue (TTM) (Mil) $123.5
EPS (TTM) $ 1.07
Beta0.38
Short Percentage of Float13.42%
52-Week Range $15.98 - 27.32
Shares Outstanding (Mil)32.48

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.41 1.64 1.82
EPS w/o NRI ($) 1.41 1.64 1.82
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.54 0.60 0.64
» More Articles for NAS:OCFC

Headlines

Articles On GuruFocus.com
OceanFirst Financial Corp. Reports Operating Results (10-Q) May 10 2010 
OceanFirst Financial Corp. (OCFC) CFO Michael J Fitzpatrick buys 1,000 Shares Oct 29 2009 
OceanFirst Financial Corp. Reports Operating Results (10-Q) May 11 2009 

More From Other Websites
Hedge Funds Are Crazy About OceanFirst Financial Corp. (OCFC) Dec 08 2016
OCEANFIRST FINANCIAL CORP Files SEC form 8-K/A, Other Events Dec 06 2016
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OceanFirst Financial Corp. and Ocean Shore Holding Co. Receive Stockholder Approvals for Merger Nov 23 2016
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OCEANFIRST FINANCIAL CORP Financials Nov 17 2016
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OceanFirst Financial Corp. :OCFC-US: Earnings Analysis: Q3, 2016 By the Numbers : October 31, 2016 Oct 31 2016
OCEANFIRST FINANCIAL CORP Files SEC form 8-K, Other Events Oct 28 2016
OCEANFIRST FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Other... Oct 27 2016
Edited Transcript of OCFC earnings conference call or presentation 27-Oct-16 1:00pm GMT Oct 27 2016
OceanFirst posts 3Q profit Oct 26 2016

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