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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 0.98
OCFC's Cash-to-Debt is ranked lower than
62% of the 1482 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.92 vs. OCFC: 0.98 )
Ranked among companies with meaningful Cash-to-Debt only.
OCFC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.11 Max: 0.98
Current: 0.98
0.05
0.98
Equity-to-Asset 0.11
OCFC's Equity-to-Asset is ranked higher than
60% of the 1484 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. OCFC: 0.11 )
Ranked among companies with meaningful Equity-to-Asset only.
OCFC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.09 Max: 0.14
Current: 0.11
0.06
0.14
Interest Coverage 2.67
OCFC's Interest Coverage is ranked higher than
63% of the 1576 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.67 vs. OCFC: 2.67 )
Ranked among companies with meaningful Interest Coverage only.
OCFC' s Interest Coverage Range Over the Past 10 Years
Min: 0.02  Med: 1.99 Max: 4.07
Current: 2.67
0.02
4.07
Piotroski F-Score: 6
Beneish M-Score: -1.46
WACC vs ROIC
6.17%
4.28%
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 % 25.02
OCFC's Operating Margin % is ranked lower than
63% of the 1497 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.60 vs. OCFC: 25.02 )
Ranked among companies with meaningful Operating Margin % only.
OCFC' s Operating Margin % Range Over the Past 10 Years
Min: 1.69  Med: 31.96 Max: 34.78
Current: 25.02
1.69
34.78
Net Margin % 16.38
OCFC's Net Margin % is ranked lower than
68% of the 1496 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.84 vs. OCFC: 16.38 )
Ranked among companies with meaningful Net Margin % only.
OCFC' s Net Margin % Range Over the Past 10 Years
Min: 1.94  Med: 21.32 Max: 22.39
Current: 16.38
1.94
22.39
ROE % 6.14
OCFC's ROE % is ranked lower than
66% of the 1495 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.26 vs. OCFC: 6.14 )
Ranked among companies with meaningful ROE % only.
OCFC' s ROE % Range Over the Past 10 Years
Min: 0.84  Med: 9.04 Max: 12.1
Current: 6.14
0.84
12.1
ROA % 0.62
OCFC's ROA % is ranked lower than
65% of the 1504 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. OCFC: 0.62 )
Ranked among companies with meaningful ROA % only.
OCFC' s ROA % Range Over the Past 10 Years
Min: 0.05  Med: 0.82 Max: 0.95
Current: 0.62
0.05
0.95
3-Year Revenue Growth Rate 5.70
OCFC's 3-Year Revenue Growth Rate is ranked higher than
61% of the 1300 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.80 vs. OCFC: 5.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
OCFC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -7.7  Med: 2.2 Max: 26.6
Current: 5.7
-7.7
26.6
3-Year EBITDA Growth Rate 0.60
OCFC's 3-Year EBITDA Growth Rate is ranked lower than
68% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.10 vs. OCFC: 0.60 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
OCFC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -35.3  Med: 0.6 Max: 36.9
Current: 0.6
-35.3
36.9
3-Year EPS without NRI Growth Rate 1.00
OCFC's 3-Year EPS without NRI Growth Rate is ranked lower than
68% of the 1174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. OCFC: 1.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
OCFC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -60.1  Med: 2.6 Max: 131.7
Current: 1
-60.1
131.7
GuruFocus has detected 6 Warning Signs with OceanFirst Financial Corp $OCFC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» OCFC's 10-Y Financials

Financials (Next Earnings Date: 2017-04-26 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q4 2016

OCFC Guru Trades in Q4 2016

Keeley Asset Management Corp 284,040 sh (New)
Chuck Royce 66,000 sh (New)
Private Capital 459,561 sh (+31.93%)
Jim Simons 933,791 sh (-2.04%)
Charles Brandes 27,521 sh (-58.75%)
» More
» Details

Insider Trades

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:EBSB, NAS:UBNK, NAS:CASH, NAS:FFIC, NAS:DCOM, NAS:LOB, NAS:HMST, NYSE:BHLB, NAS:HONE, NAS:WSBF, NAS:KRNY, NAS:FDEF, NAS:BKMU, NAS:UCFC, NAS:HIFS, NAS:CSBK, NAS:EBTC, NAS:BSF, NAS:TBNK, NAS:BFIN » 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
PE Ratio 28.74
OCFC's PE Ratio is ranked lower than
89% of the 1638 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.36 vs. OCFC: 28.74 )
Ranked among companies with meaningful PE Ratio only.
OCFC' s PE Ratio Range Over the Past 10 Years
Min: 6.35  Med: 13.98 Max: 188.11
Current: 28.74
6.35
188.11
Forward PE Ratio 16.47
OCFC's Forward PE Ratio is ranked lower than
61% of the 407 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.26 vs. OCFC: 16.47 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 28.74
OCFC's PE Ratio without NRI is ranked lower than
88% of the 1595 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.62 vs. OCFC: 28.74 )
Ranked among companies with meaningful PE Ratio without NRI only.
OCFC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.35  Med: 13.98 Max: 188.11
Current: 28.74
6.35
188.11
Price-to-Owner-Earnings 28.58
OCFC's Price-to-Owner-Earnings is ranked lower than
86% of the 860 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.74 vs. OCFC: 28.58 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
OCFC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.3  Med: 14.23 Max: 472.86
Current: 28.58
3.3
472.86
PB Ratio 1.57
OCFC's PB Ratio is ranked lower than
75% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. OCFC: 1.57 )
Ranked among companies with meaningful PB Ratio only.
OCFC' s PB Ratio Range Over the Past 10 Years
Min: 0.79  Med: 1.3 Max: 2.28
Current: 1.57
0.79
2.28
PS Ratio 4.46
OCFC's PS Ratio is ranked lower than
72% of the 1539 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.41 vs. OCFC: 4.46 )
Ranked among companies with meaningful PS Ratio only.
OCFC' s PS Ratio Range Over the Past 10 Years
Min: 1.27  Med: 3.09 Max: 4.82
Current: 4.46
1.27
4.82
Price-to-Free-Cash-Flow 24.67
OCFC's Price-to-Free-Cash-Flow is ranked lower than
85% of the 854 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.08 vs. OCFC: 24.67 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
OCFC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.71  Med: 9.89 Max: 39.22
Current: 24.67
2.71
39.22
Price-to-Operating-Cash-Flow 19.68
OCFC's Price-to-Operating-Cash-Flow is ranked lower than
83% of the 920 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.36 vs. OCFC: 19.68 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
OCFC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.65  Med: 8.76 Max: 21.27
Current: 19.68
2.65
21.27
EV-to-EBIT 25.83
OCFC's EV-to-EBIT is ranked lower than
82% of the 1204 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.59 vs. OCFC: 25.83 )
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: 25.83
-198
639.3
EV-to-EBITDA 22.29
OCFC's EV-to-EBITDA is ranked lower than
82% of the 1219 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.36 vs. OCFC: 22.29 )
Ranked among companies with meaningful EV-to-EBITDA only.
OCFC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 12.3  Med: 16.9 Max: 386.9
Current: 22.29
12.3
386.9
Shiller PE Ratio 26.16
OCFC's Shiller PE Ratio is ranked lower than
67% of the 488 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.69 vs. OCFC: 26.16 )
Ranked among companies with meaningful Shiller PE Ratio only.
OCFC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.92  Med: 12.85 Max: 28.4
Current: 26.16
5.92
28.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.01
OCFC's Dividend Yield % is ranked lower than
67% of the 2308 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.66 vs. OCFC: 2.01 )
Ranked among companies with meaningful Dividend Yield % only.
OCFC' s Dividend Yield % Range Over the Past 10 Years
Min: 1.79  Med: 3.53 Max: 10.32
Current: 2.01
1.79
10.32
Dividend Payout Ratio 0.55
OCFC's Dividend Payout Ratio is ranked lower than
80% of the 1308 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. OCFC: 0.55 )
Ranked among companies with meaningful Dividend Payout Ratio only.
OCFC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.41  Med: 0.47 Max: 8.89
Current: 0.55
0.41
8.89
3-Year Dividend Growth Rate 4.00
OCFC's 3-Year Dividend Growth Rate is ranked lower than
63% of the 771 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. OCFC: 4.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
OCFC' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -15.7  Med: 0.8 Max: 33.9
Current: 4
-15.7
33.9
Forward Dividend Yield % 2.18
OCFC's Forward Dividend Yield % is ranked lower than
68% of the 2276 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.87 vs. OCFC: 2.18 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.30
OCFC's 5-Year Yield-on-Cost % is ranked lower than
68% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. OCFC: 2.30 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
OCFC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.03  Med: 3.99 Max: 11.68
Current: 2.3
2.03
11.68
3-Year Average Share Buyback Ratio -23.20
OCFC's 3-Year Average Share Buyback Ratio is ranked lower than
91% of the 997 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.60 vs. OCFC: -23.20 )
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: -23.2  Med: 2.6 Max: 12.3
Current: -23.2
-23.2
12.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.18
OCFC's Price-to-Tangible-Book is ranked lower than
84% of the 1534 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.24 vs. OCFC: 2.18 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
OCFC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.14  Med: 1.55 Max: 2.85
Current: 2.18
1.14
2.85
Price-to-Intrinsic-Value-Projected-FCF 0.94
OCFC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
66% of the 895 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. OCFC: 0.94 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
OCFC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.43  Med: 0.72 Max: 1.2
Current: 0.94
0.43
1.2
Price-to-Median-PS-Value 1.44
OCFC's Price-to-Median-PS-Value is ranked lower than
77% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. OCFC: 1.44 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
OCFC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.54  Med: 1.15 Max: 4.24
Current: 1.44
0.54
4.24
Price-to-Graham-Number 1.67
OCFC's Price-to-Graham-Number is ranked lower than
91% of the 1344 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.96 vs. OCFC: 1.67 )
Ranked among companies with meaningful Price-to-Graham-Number only.
OCFC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.77  Med: 1.06 Max: 3.63
Current: 1.67
0.77
3.63
Earnings Yield (Greenblatt) % 3.87
OCFC's Earnings Yield (Greenblatt) % is ranked lower than
63% of the 1560 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.77 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) % 5.83
OCFC's Forward Rate of Return (Yacktman) % is ranked lower than
67% of the 885 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.32 vs. OCFC: 5.83 )
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: 7.6 Max: 45.7
Current: 5.83
-18.6
45.7

More Statistics

Revenue (TTM) (Mil) $140.7
EPS (TTM) $ 0.97
Beta0.65
Short Percentage of Float2.75%
52-Week Range $16.77 - 30.70
Shares Outstanding (Mil)32.39

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.67 1.85
EPS without NRI ($) 1.67 1.85
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.60 0.64
» More Articles for 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 

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