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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.13
OCFC's Cash to Debt is ranked lower than
90% of the 970 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.49 vs. OCFC: 0.13 )
Ranked among companies with meaningful Cash to Debt only.
OCFC' s 10-Year Cash to Debt Range
Min: -0.1  Med: 0.12 Max: No Debt
Current: 0.13
-0.1
No Debt
Equity to Asset 0.09
OCFC's Equity to Asset is ranked lower than
62% of the 1323 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. OCFC: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
OCFC' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.09 Max: 0.21
Current: 0.09
0.06
0.21
Interest Coverage 4.07
OCFC's Interest Coverage is ranked higher than
75% of the 1239 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.65 vs. OCFC: 4.07 )
Ranked among companies with meaningful Interest Coverage only.
OCFC' s 10-Year Interest Coverage Range
Min: 0.02  Med: 0.67 Max: 4.07
Current: 4.07
0.02
4.07
F-Score: 6
WACC vs ROIC
3.95%
4.36%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 34.31
OCFC's Operating margin (%) is ranked higher than
61% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.90 vs. OCFC: 34.31 )
Ranked among companies with meaningful Operating margin (%) only.
OCFC' s 10-Year Operating margin (%) Range
Min: -722.03  Med: 34.26 Max: 47.25
Current: 34.31
-722.03
47.25
Net-margin (%) 22.47
OCFC's Net-margin (%) is ranked higher than
53% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.60 vs. OCFC: 22.47 )
Ranked among companies with meaningful Net-margin (%) only.
OCFC' s 10-Year Net-margin (%) Range
Min: -4.33  Med: 22.66 Max: 344.62
Current: 22.47
-4.33
344.62
ROE (%) 9.40
OCFC's ROE (%) is ranked higher than
59% of the 1390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.16 vs. OCFC: 9.40 )
Ranked among companies with meaningful ROE (%) only.
OCFC' s 10-Year ROE (%) Range
Min: -0.99  Med: 9.32 Max: 14.72
Current: 9.4
-0.99
14.72
ROA (%) 0.88
OCFC's ROA (%) is ranked higher than
53% of the 1399 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. OCFC: 0.88 )
Ranked among companies with meaningful ROA (%) only.
OCFC' s 10-Year ROA (%) Range
Min: -0.15  Med: 0.91 Max: 1.15
Current: 0.88
-0.15
1.15
ROC (Joel Greenblatt) (%) 127.43
OCFC's ROC (Joel Greenblatt) (%) is ranked higher than
66% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.24 vs. OCFC: 127.43 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
OCFC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -7.64  Med: 89.65 Max: 186.64
Current: 127.43
-7.64
186.64
Revenue Growth (3Y)(%) 2.10
OCFC's Revenue Growth (3Y)(%) is ranked higher than
51% of the 1174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.00 vs. OCFC: 2.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
OCFC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 1.30 Max: 26.5
Current: 2.1
0
26.5
EBITDA Growth (3Y)(%) 1.60
OCFC's EBITDA Growth (3Y)(%) is ranked lower than
67% of the 1035 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. OCFC: 1.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
OCFC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 0.30 Max: 104.1
Current: 1.6
0
104.1
EPS Growth (3Y)(%) 1.40
OCFC's EPS Growth (3Y)(%) is ranked lower than
69% of the 1042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.40 vs. OCFC: 1.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
OCFC' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: 2.05 Max: 131.7
Current: 1.4
0
131.7
» OCFC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

OCFC Guru Trades in Q2 2014

Jim Simons 286,117 sh (+11.54%)
Private Capital 311,097 sh (-2.43%)
» More
Q3 2014

OCFC Guru Trades in Q3 2014

Jim Simons 290,539 sh (+1.55%)
Private Capital 303,019 sh (-2.60%)
» More
Q4 2014

OCFC Guru Trades in Q4 2014

Jim Simons 302,944 sh (+4.27%)
Private Capital 295,434 sh (-2.50%)
» More
Q1 2015

OCFC Guru Trades in Q1 2015

Jim Simons 310,448 sh (+2.48%)
Private Capital 293,322 sh (-0.71%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 14.19
OCFC's P/E(ttm) is ranked lower than
54% of the 1251 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. OCFC: 14.19 )
Ranked among companies with meaningful P/E(ttm) only.
OCFC' s 10-Year P/E(ttm) Range
Min: 6.38  Med: 13.92 Max: 219.87
Current: 14.19
6.38
219.87
Forward P/E 12.87
OCFC's Forward P/E is ranked lower than
58% of the 710 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.17 vs. OCFC: 12.87 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.20
OCFC's PE(NRI) is ranked lower than
54% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. OCFC: 14.20 )
Ranked among companies with meaningful PE(NRI) only.
OCFC' s 10-Year PE(NRI) Range
Min: 6.35  Med: 13.91 Max: 211.63
Current: 14.2
6.35
211.63
P/B 1.37
OCFC's P/B is ranked lower than
70% of the 1349 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. OCFC: 1.37 )
Ranked among companies with meaningful P/B only.
OCFC' s 10-Year P/B Range
Min: 0.79  Med: 1.34 Max: 2.5
Current: 1.37
0.79
2.5
P/S 3.21
OCFC's P/S is ranked lower than
56% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. OCFC: 3.21 )
Ranked among companies with meaningful P/S only.
OCFC' s 10-Year P/S Range
Min: 1.27  Med: 3.10 Max: 4.4
Current: 3.21
1.27
4.4
PFCF 12.95
OCFC's PFCF is ranked lower than
57% of the 803 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.27 vs. OCFC: 12.95 )
Ranked among companies with meaningful PFCF only.
OCFC' s 10-Year PFCF Range
Min: 2.7  Med: 9.76 Max: 37.04
Current: 12.95
2.7
37.04
POCF 11.06
OCFC's POCF is ranked lower than
57% of the 916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.79 vs. OCFC: 11.06 )
Ranked among companies with meaningful POCF only.
OCFC' s 10-Year POCF Range
Min: 2.64  Med: 8.70 Max: 20.28
Current: 11.06
2.64
20.28
EV-to-EBIT 17.25
OCFC's EV-to-EBIT is ranked lower than
63% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.99 vs. OCFC: 17.25 )
Ranked among companies with meaningful EV-to-EBIT only.
OCFC' s 10-Year EV-to-EBIT Range
Min: -198  Med: 19.30 Max: 646.1
Current: 17.25
-198
646.1
Shiller P/E 15.25
OCFC's Shiller P/E is ranked higher than
56% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.76 vs. OCFC: 15.25 )
Ranked among companies with meaningful Shiller P/E only.
OCFC' s 10-Year Shiller P/E Range
Min: 6.3  Med: 13.97 Max: 19.96
Current: 15.25
6.3
19.96
Days Sales Outstanding 21.93
OCFC's Days Sales Outstanding is ranked higher than
76% of the 769 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 33.98 vs. OCFC: 21.93 )
Ranked among companies with meaningful Days Sales Outstanding only.
OCFC' s 10-Year Days Sales Outstanding Range
Min: 22.1  Med: 32.45 Max: 1183.95
Current: 21.93
22.1
1183.95

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.97
OCFC's Dividend Yield is ranked higher than
56% of the 2204 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.60 vs. OCFC: 2.97 )
Ranked among companies with meaningful Dividend Yield only.
OCFC' s 10-Year Dividend Yield Range
Min: 2.54  Med: 3.57 Max: 10.32
Current: 2.97
2.54
10.32
Dividend Payout 0.41
OCFC's Dividend Payout is ranked lower than
63% of the 1287 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. OCFC: 0.41 )
Ranked among companies with meaningful Dividend Payout only.
OCFC' s 10-Year Dividend Payout Range
Min: 0.36  Med: 0.47 Max: 10
Current: 0.41
0.36
10
Dividend growth (3y) 0.70
OCFC's Dividend growth (3y) is ranked lower than
73% of the 657 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. OCFC: 0.70 )
Ranked among companies with meaningful Dividend growth (3y) only.
OCFC' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 33.9
Current: 0.7
0
33.9
Yield on cost (5-Year) 2.10
OCFC's Yield on cost (5-Year) is ranked lower than
68% of the 2195 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. OCFC: 2.10 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
OCFC' s 10-Year Yield on cost (5-Year) Range
Min: 1.79  Med: 2.51 Max: 7.26
Current: 2.1
1.79
7.26
Share Buyback Rate 2.70
OCFC's Share Buyback Rate is ranked higher than
92% of the 997 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. OCFC: 2.70 )
Ranked among companies with meaningful Share Buyback Rate only.
OCFC' s 10-Year Share Buyback Rate Range
Min: 0  Med: 2.80 Max: -41.3
Current: 2.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.35
OCFC's Price/Tangible Book is ranked lower than
61% of the 1328 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. OCFC: 1.35 )
Ranked among companies with meaningful Price/Tangible Book only.
OCFC' s 10-Year Price/Tangible Book Range
Min: 0.88  Med: 1.42 Max: 3.17
Current: 1.35
0.88
3.17
Price/Projected FCF 0.73
OCFC's Price/Projected FCF is ranked lower than
55% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. OCFC: 0.73 )
Ranked among companies with meaningful Price/Projected FCF only.
OCFC' s 10-Year Price/Projected FCF Range
Min: 0.31  Med: 0.69 Max: 1.04
Current: 0.73
0.31
1.04
Price/Median PS Value 1.04
OCFC's Price/Median PS Value is ranked higher than
56% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. OCFC: 1.04 )
Ranked among companies with meaningful Price/Median PS Value only.
OCFC' s 10-Year Price/Median PS Value Range
Min: 0.54  Med: 1.15 Max: 5.98
Current: 1.04
0.54
5.98
Price/Graham Number 0.93
OCFC's Price/Graham Number is ranked lower than
59% of the 1155 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. OCFC: 0.93 )
Ranked among companies with meaningful Price/Graham Number only.
OCFC' s 10-Year Price/Graham Number Range
Min: 0.56  Med: 1.07 Max: 9.79
Current: 0.93
0.56
9.79
Earnings Yield (Greenblatt) (%) 5.80
OCFC's Earnings Yield (Greenblatt) (%) is ranked lower than
57% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. OCFC: 5.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
OCFC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 5.10 Max: 7.9
Current: 5.8
0.2
7.9
Forward Rate of Return (Yacktman) (%) 6.88
OCFC's Forward Rate of Return (Yacktman) (%) is ranked lower than
65% of the 765 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. OCFC: 6.88 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
OCFC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -19.4  Med: 7.10 Max: 49.9
Current: 6.88
-19.4
49.9

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » details
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.
» More Articles for OCFC

Headlines

Articles On GuruFocus.com
insiders Shares of Oct 10 2011 
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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