Switch to:

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 0.13
OCFC's Cash to Debt is ranked higher than
51% of the 1340 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.26 vs. OCFC: 0.13 )
OCFC' s 10-Year Cash to Debt Range
Min: -0.1   Max: No Debt
Current: 0.13

-0.1
No Debt
Equity to Asset 0.09
OCFC's Equity to Asset is ranked higher than
66% of the 1732 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. OCFC: 0.09 )
OCFC' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.21
Current: 0.09

0.06
0.21
Interest Coverage 2.59
OCFC's Interest Coverage is ranked higher than
80% of the 1595 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. OCFC: 2.59 )
OCFC' s 10-Year Interest Coverage Range
Min: 0.02   Max: 2.59
Current: 2.59

0.02
2.59
F-Score: 5
Z-Score: 0.29
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 (%) 28.43
OCFC's Operating margin (%) is ranked higher than
74% of the 1755 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 28.45 vs. OCFC: 28.43 )
OCFC' s 10-Year Operating margin (%) Range
Min: -722.03   Max: 47.25
Current: 28.43

-722.03
47.25
Net-margin (%) 18.65
OCFC's Net-margin (%) is ranked higher than
70% of the 1762 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.29 vs. OCFC: 18.65 )
OCFC' s 10-Year Net-margin (%) Range
Min: -4.33   Max: 344.62
Current: 18.65

-4.33
344.62
ROE (%) 7.75
OCFC's ROE (%) is ranked higher than
75% of the 1768 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 vs. OCFC: 7.75 )
OCFC' s 10-Year ROE (%) Range
Min: -0.67   Max: 14.89
Current: 7.75

-0.67
14.89
ROA (%) 0.72
OCFC's ROA (%) is ranked higher than
72% of the 1768 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. OCFC: 0.72 )
OCFC' s 10-Year ROA (%) Range
Min: -0.13   Max: 1.16
Current: 0.72

-0.13
1.16
ROC (Joel Greenblatt) (%) 104.39
OCFC's ROC (Joel Greenblatt) (%) is ranked higher than
82% of the 1726 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 68.75 vs. OCFC: 104.39 )
OCFC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -184.84   Max: 185.08
Current: 104.39

-184.84
185.08
Revenue Growth (%) 0.10
OCFC's Revenue Growth (%) is ranked higher than
72% of the 1536 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.50 vs. OCFC: 0.10 )
OCFC' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 26.5
Current: 0.1

0
26.5
EBITDA Growth (%) -3.60
OCFC's EBITDA Growth (%) is ranked higher than
62% of the 1385 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. OCFC: -3.60 )
OCFC' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 104.1
Current: -3.6

0
104.1
EPS Growth (%) -5.30
OCFC's EPS Growth (%) is ranked higher than
61% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. OCFC: -5.30 )
OCFC' s 10-Year EPS Growth (%) Range
Min: 0   Max: 131.7
Current: -5.3

0
131.7
» OCFC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

OCFC Guru Trades in Q3 2013

Jim Simons 232,668 sh (+5.07%)
Private Capital 326,047 sh (-4.45%)
» More
Q4 2013

OCFC Guru Trades in Q4 2013

Jim Simons 240,030 sh (+3.16%)
Private Capital 322,572 sh (-1.07%)
» More
Q1 2014

OCFC Guru Trades in Q1 2014

Jim Simons 256,517 sh (+6.87%)
Private Capital 318,847 sh (-1.15%)
» More
Q2 2014

OCFC Guru Trades in Q2 2014

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

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2013-03-31 Sold Out 0.27%$13.08 - $14.7 $ 16.0314%0
John Keeley 2012-06-30 Add 111.05%0.13%$13.82 - $14.76 $ 16.0312%773500
John Keeley 2012-03-31 Add 1994.29%0.1%$13.1 - $14.56 $ 16.0323%366500
John Keeley 2011-06-30 New Buy$12.41 - $14.5 $ 16.0319%17500
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 16.30
OCFC's P/E(ttm) is ranked higher than
65% of the 1578 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.70 vs. OCFC: 16.30 )
OCFC' s 10-Year P/E(ttm) Range
Min: 6.38   Max: 219.87
Current: 16.3

6.38
219.87
P/B 1.29
OCFC's P/B is ranked higher than
62% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. OCFC: 1.29 )
OCFC' s 10-Year P/B Range
Min: 0.79   Max: 2.76
Current: 1.29

0.79
2.76
P/S 3.05
OCFC's P/S is ranked higher than
70% of the 1711 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.85 vs. OCFC: 3.05 )
OCFC' s 10-Year P/S Range
Min: 1.27   Max: 4.75
Current: 3.05

1.27
4.75
PFCF 14.31
OCFC's PFCF is ranked higher than
55% of the 982 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.80 vs. OCFC: 14.31 )
OCFC' s 10-Year PFCF Range
Min: 2.64   Max: 24.07
Current: 14.31

2.64
24.07
EV-to-EBIT 19.67
OCFC's EV-to-EBIT is ranked higher than
70% of the 1906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.25 vs. OCFC: 19.67 )
OCFC' s 10-Year EV-to-EBIT Range
Min: 12.7   Max: 646.1
Current: 19.67

12.7
646.1
Shiller P/E 13.84
OCFC's Shiller P/E is ranked higher than
84% of the 1093 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.35 vs. OCFC: 13.84 )
OCFC' s 10-Year Shiller P/E Range
Min: 6.3   Max: 23.33
Current: 13.84

6.3
23.33

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.00
OCFC's Dividend Yield is ranked higher than
65% of the 1484 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.38 vs. OCFC: 3.00 )
OCFC' s 10-Year Dividend Yield Range
Min: 2.54   Max: 10.32
Current: 3

2.54
10.32
Dividend Payout 0.49
OCFC's Dividend Payout is ranked higher than
63% of the 1906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.47 vs. OCFC: 0.49 )
OCFC' s 10-Year Dividend Payout Range
Min: 0.36   Max: 10
Current: 0.49

0.36
10
Yield on cost (5-Year) 1.80
OCFC's Yield on cost (5-Year) is ranked lower than
65% of the 1497 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.67 vs. OCFC: 1.80 )
OCFC' s 10-Year Yield on cost (5-Year) Range
Min: 1.53   Max: 6.2
Current: 1.8

1.53
6.2
Share Buyback Rate 1.90
OCFC's Share Buyback Rate is ranked higher than
95% of the 1291 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. OCFC: 1.90 )
OCFC' s 10-Year Share Buyback Rate Range
Min: 0   Max: -41.3
Current: 1.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.32
OCFC's Price/Tangible Book is ranked higher than
73% of the 1906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.44 vs. OCFC: 1.32 )
OCFC' s 10-Year Price/Tangible Book Range
Min: 0.88   Max: 3.17
Current: 1.32

0.88
3.17
Price/DCF (Projected) 0.68
OCFC's Price/DCF (Projected) is ranked higher than
67% of the 1192 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. OCFC: 0.68 )
OCFC' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 1.07
Current: 0.68

0.3
1.07
Price/Median PS Value 0.96
OCFC's Price/Median PS Value is ranked higher than
87% of the 1906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. OCFC: 0.96 )
OCFC' s 10-Year Price/Median PS Value Range
Min: 0.53   Max: 5.9
Current: 0.96

0.53
5.9
Price/Graham Number 0.98
OCFC's Price/Graham Number is ranked higher than
67% of the 1409 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. OCFC: 0.98 )
OCFC' s 10-Year Price/Graham Number Range
Min: 0.56   Max: 9.79
Current: 0.98

0.56
9.79
Earnings Yield (Greenblatt) 5.10
OCFC's Earnings Yield (Greenblatt) is ranked higher than
63% of the 1603 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. OCFC: 5.10 )
OCFC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 7.9
Current: 5.1

0.2
7.9
Forward Rate of Return (Yacktman) 2.30
OCFC's Forward Rate of Return (Yacktman) is ranked higher than
55% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.46 vs. OCFC: 2.30 )
OCFC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -24.3   Max: 50.1
Current: 2.3

-24.3
50.1

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » details
Oceanfirst Financial Corporation was incorporated under Delaware law and is the holding Company for OceanFirst Bank (the "Bank") since the Bank's conversion from mutual to stock form in 1996. The Bank's main business is attracting deposits from the general public in the communities surrounding its branch offices and investing those deposits mainly in single-family, owner-occupied residential mortgage loans and, more recently, in commercial real estate loans. It also invests in other types of loans, including multi-family, construction, consumer and commercial 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 periodically sells part of its mortgage loan production in order to manage interest rate risk and liquidity. Its revenues are derived mainly from interest on its loans, and to a lesser extent, interest on its investment and mortgage-backed securities. It also receives income from fees and service charges on loan and deposit products, and from the sale of trust and asset management services and alternative investment products, e.g., mutual funds, annuities and life insurance. The Bank's main sources of funds are deposits, principal and interest payments on loans and mortgage-backed securities, proceeds from the sale of loans, Federal Home Loan Bank ("FHLB") advances and other borrowings and to a lesser extent, investment maturities. The Bank's competition for loans comes from commercial banks, savings banks, savings and loan associations, credit unions, mortgage banking companies and insurance companies. Its most direct competition for deposits 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. The Company is a savings and loan holding Company subject to regulation by the Board of Governors of the Federal Reserve System (the "FRB") and the Securities and Exchange Commission ("SEC"). The Bank is subject to regulation and supervision by the Office of the Comptroller of the Currency ("OCC") and the Federal Deposit Insurance Corporation ("FDIC").
» 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 

More From Other Websites
OCEANFIRST FINANCIAL CORP Financials Aug 15 2014
OCEANFIRST FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Aug 04 2014
OCEANFIRST FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 28 2014
OceanFirst Financial Corp. to Present at Keefe Bruyette & Woods Community Bank Investor Conference Jul 25 2014
OceanFirst Financial Corp. Announces Stronger Quarterly Earnings and Loan Growth Jul 24 2014
Q2 2014 OceanFirst Financial Earnings Release - After Market Close Jul 24 2014
Oceanfirst Financial Corp Stock Upgraded (OCFC) Jul 07 2014
OceanFirst Financial Corp. Schedules Earnings Conference Call Jun 27 2014
Oceanfirst Financial Corp Stock Downgraded (OCFC) Jun 04 2014
OCEANFIRST FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... May 21 2014
Moving Average Crossover Alert: OceanFirst Financial (OCFC) May 21 2014
OCEANFIRST FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 12 2014
OCEANFIRST FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... May 08 2014
OCEANFIRST FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Change... Apr 25 2014
OceanFirst Financial Corp. Schedules Earnings Conference Call Mar 20 2014
OCEANFIRST FINANCIAL CORP Files SEC form 10-K, Annual Report Mar 14 2014
OCEANFIRST FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Other... Feb 25 2014
OceanFirst Financial Corp. Announces Appointment of Christopher D. Maher to the Board of Directors Feb 24 2014
OCEANFIRST FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Feb 12 2014
OCEANFIRST FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Other... Jan 24 2014

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK