OceanFirst Financial Corp is engaged in the banking sector of the United States. It conducts the business of attracting retail and business deposits and investing them in loans, consisting of single-family, owner-occupied residential mortgage loans, and commercial real estate loans. The company's sole segment deals with the delivery of loan and deposit products to customers. The bank's revenues are derived principally from interest on its loans, and to a lesser extent, interest on its investment and mortgage-backed securities. The rest of its income is dependent on bank card services and wealth management services.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.12
Equity-to-Asset	0.12
Debt-to-Equity	0.65
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.25	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

4/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	3.4
	3-Year EPS without NRI Growth Rate	26.1
	3-Year FCF Growth Rate	0.2
	3-Year Book Growth Rate	4.4

Momentum Rank

8/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	60.55
	9-Day RSI	54.82
	14-Day RSI	51.86
	6-1 Month Momentum %	21
	12-1 Month Momentum %	1.85

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	5.21
	Dividend Payout Ratio	0.36
	3-Year Dividend Growth Rate	5.6
	Forward Dividend Yield %	5.21
	5-Year Yield-on-Cost %	6.49
	3-Year Average Share Buyback Ratio	0.5
	Shareholder Yield %	-37.71

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	26.43
	FCF Margin %	29.39
	ROE %	6.39
	ROA %	0.78
	Years of Profitability over Past 10-Year	10

GF Value Rank

10/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	8.99
	Forward PE Ratio	8.93
	PE Ratio without NRI	6.89
	Shiller PE Ratio	8.88
	Price-to-Owner-Earnings	10.62
	PEG Ratio	1.33
	PS Ratio	2.27
	PB Ratio	0.54
	Price-to-Tangible-Book	0.79
	Price-to-Free-Cash-Flow	7.81
	Price-to-Operating-Cash-Flow	7.31
	EV-to-Revenue	4.69
	EV-to-Forward-Revenue	3.34
	EV-to-FCF	15.87
	Price-to-Projected-FCF	0.36
	Price-to-DCF (Earnings Based)	0.47
	Price-to-DCF (FCF Based)	0.6
	Price-to-Median-PS-Value	0.65
	Price-to-Peter-Lynch-Fair-Value	1.48
	Price-to-Graham-Number	0.49
	FCF Yield %	12.89
	Forward Rate of Return (Yacktman) %	20.38

GF Value: $21.45

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