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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 0.79
OSHC's Cash to Debt is ranked higher than
71% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. OSHC: 0.79 )
OSHC' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: 0.79

Equity to Asset 0.10
OSHC's Equity to Asset is ranked higher than
75% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. OSHC: 0.10 )
OSHC' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.13
Current: 0.1

0.05
0.13
Interest Coverage 0.96
OSHC's Interest Coverage is ranked higher than
63% of the 1845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. OSHC: 0.96 )
OSHC' s 10-Year Interest Coverage Range
Min: 0.25   Max: 0.96
Current: 0.96

0.25
0.96
F-Score: 7
Z-Score: 0.22
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 : 8/10

vs
industry
vs
history
Operating margin (%) 29.89
OSHC's Operating margin (%) is ranked higher than
76% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. OSHC: 29.89 )
OSHC' s 10-Year Operating margin (%) Range
Min: -364   Max: 33.31
Current: 29.89

-364
33.31
Net-margin (%) 19.34
OSHC's Net-margin (%) is ranked higher than
71% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. OSHC: 19.34 )
OSHC' s 10-Year Net-margin (%) Range
Min: 8.31   Max: 81.35
Current: 19.34

8.31
81.35
ROE (%) 5.81
OSHC's ROE (%) is ranked higher than
64% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. OSHC: 5.81 )
OSHC' s 10-Year ROE (%) Range
Min: 3.12   Max: 13.68
Current: 5.81

3.12
13.68
ROA (%) 0.60
OSHC's ROA (%) is ranked higher than
66% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. OSHC: 0.60 )
OSHC' s 10-Year ROA (%) Range
Min: 0.22   Max: 0.68
Current: 0.6

0.22
0.68
ROC (Joel Greenblatt) (%) 73.04
OSHC's ROC (Joel Greenblatt) (%) is ranked higher than
75% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. OSHC: 73.04 )
OSHC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 30.1   Max: 137.48
Current: 73.04

30.1
137.48
Revenue Growth (3Y)(%) 5.30
OSHC's Revenue Growth (3Y)(%) is ranked higher than
86% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. OSHC: 5.30 )
OSHC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 22.9
Current: 5.3

0
22.9
EBITDA Growth (3Y)(%) -3.50
OSHC's EBITDA Growth (3Y)(%) is ranked higher than
63% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. OSHC: -3.50 )
OSHC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 27.7
Current: -3.5

0
27.7
EPS Growth (3Y)(%) 0.40
OSHC's EPS Growth (3Y)(%) is ranked higher than
66% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. OSHC: 0.40 )
OSHC' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 33
Current: 0.4

0
33
» OSHC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

OSHC Guru Trades in Q4 2013

Whitney Tilson Sold Out
Charles Brandes 79,208 sh (-0.29%)
» More
Q1 2014

OSHC Guru Trades in Q1 2014

Charles Brandes 80,603 sh (+1.76%)
» More
Q2 2014

OSHC Guru Trades in Q2 2014

Charles Brandes 80,853 sh (+0.31%)
» More
Q3 2014

OSHC Guru Trades in Q3 2014

Charles Brandes 81,008 sh (+0.19%)
» More
» Details

Insider Trades

Latest Guru Trades with OSHC

(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
Whitney Tilson 2013-12-31 Sold Out 0.69%$13.15 - $14.64 $ 14.251%0
Whitney Tilson 2013-06-30 Add 139.89%0.23%$13.16 - $15 $ 14.25-1%29667
Whitney Tilson 2012-12-31 New Buy0.14%$12.94 - $14.97 $ 14.254%11667
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.90
OSHC's P/E(ttm) is ranked higher than
80% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. OSHC: 14.90 )
OSHC' s 10-Year P/E(ttm) Range
Min: 11.98   Max: 132.89
Current: 14.9

11.98
132.89
P/B 0.89
OSHC's P/B is ranked higher than
87% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. OSHC: 0.89 )
OSHC' s 10-Year P/B Range
Min: 0.58   Max: 1.89
Current: 0.89

0.58
1.89
P/S 2.88
OSHC's P/S is ranked higher than
80% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. OSHC: 2.88 )
OSHC' s 10-Year P/S Range
Min: 2.04   Max: 26.65
Current: 2.88

2.04
26.65
PFCF 11.03
OSHC's PFCF is ranked higher than
85% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. OSHC: 11.03 )
OSHC' s 10-Year PFCF Range
Min: 8.82   Max: 41.91
Current: 11.03

8.82
41.91
EV-to-EBIT 12.09
OSHC's EV-to-EBIT is ranked higher than
84% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. OSHC: 12.09 )
OSHC' s 10-Year EV-to-EBIT Range
Min: -0.3   Max: 104.9
Current: 12.09

-0.3
104.9
PEG 3.89
OSHC's PEG is ranked higher than
84% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. OSHC: 3.89 )
OSHC' s 10-Year PEG Range
Min: 0.29   Max: 5.8
Current: 3.89

0.29
5.8
Shiller P/E 17.80
OSHC's Shiller P/E is ranked higher than
87% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. OSHC: 17.80 )
OSHC' s 10-Year Shiller P/E Range
Min: 16.89   Max: 26.95
Current: 17.8

16.89
26.95

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.70
OSHC's Dividend Yield is ranked lower than
62% of the 1880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.31 vs. OSHC: 1.70 )
OSHC' s 10-Year Dividend Yield Range
Min: 0.49   Max: 2.54
Current: 1.7

0.49
2.54
Dividend Payout 0.25
OSHC's Dividend Payout is ranked higher than
82% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. OSHC: 0.25 )
OSHC' s 10-Year Dividend Payout Range
Min: 0.24   Max: 1.25
Current: 0.25

0.24
1.25
Yield on cost (5-Year) 4.07
OSHC's Yield on cost (5-Year) is ranked higher than
74% of the 1893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.58 vs. OSHC: 4.07 )
OSHC' s 10-Year Yield on cost (5-Year) Range
Min: 1.17   Max: 6.09
Current: 4.07

1.17
6.09
Share Buyback Rate 0.90
OSHC's Share Buyback Rate is ranked higher than
92% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. OSHC: 0.90 )
OSHC' s 10-Year Share Buyback Rate Range
Min: 0   Max: -1.2
Current: 0.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.93
OSHC's Price/Tangible Book is ranked higher than
88% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. OSHC: 0.93 )
OSHC' s 10-Year Price/Tangible Book Range
Min: 0.67   Max: 1.89
Current: 0.93

0.67
1.89
Price/DCF (Projected) 0.55
OSHC's Price/DCF (Projected) is ranked higher than
90% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.17 vs. OSHC: 0.55 )
OSHC' s 10-Year Price/DCF (Projected) Range
Min: 0.46   Max: 0.62
Current: 0.55

0.46
0.62
Price/Median PS Value 0.93
OSHC's Price/Median PS Value is ranked higher than
91% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. OSHC: 0.93 )
OSHC' s 10-Year Price/Median PS Value Range
Min: 0.71   Max: 8.52
Current: 0.93

0.71
8.52
Price/Graham Number 0.80
OSHC's Price/Graham Number is ranked higher than
86% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. OSHC: 0.80 )
OSHC' s 10-Year Price/Graham Number Range
Min: 0.68   Max: 2.86
Current: 0.8

0.68
2.86
Earnings Yield (Greenblatt) 8.30
OSHC's Earnings Yield (Greenblatt) is ranked higher than
81% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. OSHC: 8.30 )
OSHC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1   Max: 10620
Current: 8.3

1
10620
Forward Rate of Return (Yacktman) 11.66
OSHC's Forward Rate of Return (Yacktman) is ranked higher than
69% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. OSHC: 11.66 )
OSHC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.9   Max: 53.3
Current: 11.66

4.9
53.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Ocean Shore Holding Co was established in 1887. It is the holding company for Ocean City Home Bank. The Company's assets consist of its investment in Ocean City Home Bank and its liquid investments. It is engaged in the business of directing, planning, and coordinating the business activities of the Bank. Ocean City Home Bank is a federally chartered savings bank. It operates as a community-oriented financial institution offering a range of financial services to consumers and businesses in its market area. It attracts deposits from the general public, small businesses and municipalities and uses those funds to originate a variety of consumer and commercial loans, which the Company holds for investment. Its lending activities include One- to Four-Family Residential Loans; Commercial and Multi-Family; Construction Loans; Commercial Loans; and Consumer Loans. It has legal authority to invest in various types of liquid assets, including U.S. Treasury obligations, securities of various federal agencies and of state and municipal governments, mortgage-backed securities and certificates of deposit of federally insured institutions. Its products include residential mortgage loans, commercial loans and mortgages, and home equity and other consumer loans. The Company competes with insurance companies, securities companies and specialty finance companies such as Bank of America, PNC Bank, Wells Fargo & Company, and TD Bank.
» More Articles for OSHC

Headlines

Articles On GuruFocus.com
Ocean Shore Holding Co. Reports Operating Results (10-Q) Nov 16 2009 
Ocean Shore Holding Co. Reports Operating Results (10-Q) Aug 10 2009 
Ocean Shore Holding Co. Reports 2nd Quarter Earnings Aug 04 2009 
Ocean Shore Holding Co. Reports Operating Results (10-Q) May 08 2009 
Ocean Shore Holding Co. Reports 4th Quarter 2008 and Year-End Results Jan 26 2009 
Ocean Shore Holding Co. Announces Timing of Quarterly Cash Dividend Jan 21 2009 
Ocean Shore Holding Co. Announces Approval of Plan of Conversion and Reorganization by MHC Members a Jan 13 2009 

More From Other Websites
OCEAN SHORE HOLDING CO. Files SEC form 8-K, Change in Directors or Principal Officers Dec 19 2014
Ocean Shore Holding Co. Announces Stock Repurchase Program Nov 19 2014
Ocean Shore Holding Co. Announces Stock Repurchase Program Nov 19 2014
Ocean Shore Holding Co. Announces Stock Repurchase Program Nov 19 2014
OCEAN SHORE HOLDING CO. Financials Nov 15 2014
10-Q for Ocean Shore Holding Co. Nov 09 2014
OCEAN SHORE HOLDING CO. Files SEC form 10-Q, Quarterly Report Nov 07 2014
OCEAN SHORE HOLDING CO. Files SEC form 8-K, Results of Operations and Financial Condition Oct 29 2014
Ocean Shore Holding Co. Reports 3rd Quarter Earnings Oct 28 2014
Ocean Shore Holding Co. Reports 3rd Quarter Earnings Oct 28 2014
Ocean Shore Holding Co. Announces Quarterly Cash Dividend Oct 22 2014
Ocean Shore Holding Co. Announces Quarterly Cash Dividend Oct 22 2014
OCEAN SHORE HOLDING CO. Files SEC form 10-Q, Quarterly Report Aug 11 2014
Ocean Shore Holding Co. Announces Stock Repurchase and Partial Redemption Of Trust Preferred... Aug 05 2014
OCEAN SHORE HOLDING CO. Files SEC form 8-K, Results of Operations and Financial Condition Jul 30 2014
Ocean Shore Holding Co. Reports 2nd Quarter Earnings Jul 29 2014
Ocean Shore Holding Co. Announces Quarterly Cash Dividend Jul 16 2014
OCEAN SHORE HOLDING CO. Files SEC form 8-K, Temporary Suspension of Trading Under Registrant's... Jun 27 2014
OCEAN SHORE HOLDING CO. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 27 2014
Ocean Shore Holding authorizes share repurchase program May 21 2014

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