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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 0.74
OSHC's Cash to Debt is ranked lower than
61% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. OSHC: 0.74 )
Ranked among companies with meaningful Cash to Debt only.
OSHC' s 10-Year Cash to Debt Range
Min: 0.06  Med: 0.59 Max: N/A
Current: 0.74
Equity to Asset 0.10
OSHC's Equity to Asset is ranked lower than
51% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OSHC: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
OSHC' s 10-Year Equity to Asset Range
Min: 0.05  Med: 0.10 Max: 0.13
Current: 0.1
0.05
0.13
Interest Coverage 1.30
OSHC's Interest Coverage is ranked lower than
57% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. OSHC: 1.30 )
Ranked among companies with meaningful Interest Coverage only.
OSHC' s 10-Year Interest Coverage Range
Min: 0.25  Med: 0.45 Max: 1.3
Current: 1.3
0.25
1.3
F-Score: 7
WACC vs ROIC
4.09%
4.49%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 30.83
OSHC's Operating margin (%) is ranked higher than
53% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. OSHC: 30.83 )
Ranked among companies with meaningful Operating margin (%) only.
OSHC' s 10-Year Operating margin (%) Range
Min: -364  Med: 27.45 Max: 33.31
Current: 30.83
-364
33.31
Net-margin (%) 19.93
OSHC's Net-margin (%) is ranked lower than
56% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. OSHC: 19.93 )
Ranked among companies with meaningful Net-margin (%) only.
OSHC' s 10-Year Net-margin (%) Range
Min: 8.31  Med: 17.35 Max: 81.35
Current: 19.93
8.31
81.35
ROE (%) 6.05
OSHC's ROE (%) is ranked lower than
65% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. OSHC: 6.05 )
Ranked among companies with meaningful ROE (%) only.
OSHC' s 10-Year ROE (%) Range
Min: 3.12  Med: 5.12 Max: 13.68
Current: 6.05
3.12
13.68
ROA (%) 0.63
OSHC's ROA (%) is ranked lower than
63% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. OSHC: 0.63 )
Ranked among companies with meaningful ROA (%) only.
OSHC' s 10-Year ROA (%) Range
Min: 0.22  Med: 0.55 Max: 0.68
Current: 0.63
0.22
0.68
ROC (Joel Greenblatt) (%) 76.55
OSHC's ROC (Joel Greenblatt) (%) is ranked higher than
50% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. OSHC: 76.55 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
OSHC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 30.1  Med: 59.52 Max: 137.48
Current: 76.55
30.1
137.48
Revenue Growth (3Y)(%) 5.10
OSHC's Revenue Growth (3Y)(%) is ranked higher than
65% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. OSHC: 5.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
OSHC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 5.10 Max: 22.9
Current: 5.1
0
22.9
EBITDA Growth (3Y)(%) 7.60
OSHC's EBITDA Growth (3Y)(%) is ranked higher than
51% of the 1035 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. OSHC: 7.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
OSHC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 5.10 Max: 27.7
Current: 7.6
0
27.7
EPS Growth (3Y)(%) 9.80
OSHC's EPS Growth (3Y)(%) is ranked higher than
51% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. OSHC: 9.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
OSHC' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: 4.40 Max: 33
Current: 9.8
0
33
» OSHC's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q4 2014

OSHC Guru Trades in Q4 2014

Jim Simons 10,600 sh (New)
Charles Brandes 81,003 sh (-0.01%)
» More
Q1 2015

OSHC Guru Trades in Q1 2015

Jim Simons 13,800 sh (+30.19%)
Charles Brandes 81,163 sh (+0.20%)
» 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 14.60
OSHC's P/E(ttm) is ranked lower than
53% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. OSHC: 14.60 )
Ranked among companies with meaningful P/E(ttm) only.
OSHC' s 10-Year P/E(ttm) Range
Min: 11.98  Med: 17.07 Max: 132.89
Current: 14.6
11.98
132.89
Forward P/E 13.91
OSHC's Forward P/E is ranked lower than
66% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. OSHC: 13.91 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.60
OSHC's PE(NRI) is ranked lower than
53% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. OSHC: 14.60 )
Ranked among companies with meaningful PE(NRI) only.
OSHC' s 10-Year PE(NRI) Range
Min: 12.02  Med: 17.00 Max: 137.88
Current: 14.6
12.02
137.88
P/B 0.88
OSHC's P/B is ranked higher than
68% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. OSHC: 0.88 )
Ranked among companies with meaningful P/B only.
OSHC' s 10-Year P/B Range
Min: 0.58  Med: 0.93 Max: 1.89
Current: 0.88
0.58
1.89
P/S 2.93
OSHC's P/S is ranked higher than
52% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. OSHC: 2.93 )
Ranked among companies with meaningful P/S only.
OSHC' s 10-Year P/S Range
Min: 2.04  Med: 3.06 Max: 26.65
Current: 2.93
2.04
26.65
PFCF 12.30
OSHC's PFCF is ranked lower than
54% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. OSHC: 12.30 )
Ranked among companies with meaningful PFCF only.
OSHC' s 10-Year PFCF Range
Min: 8.82  Med: 12.55 Max: 136.22
Current: 12.3
8.82
136.22
POCF 11.54
OSHC's POCF is ranked lower than
58% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. OSHC: 11.54 )
Ranked among companies with meaningful POCF only.
OSHC' s 10-Year POCF Range
Min: 5.68  Med: 10.99 Max: 64.53
Current: 11.54
5.68
64.53
EV-to-EBIT 12.69
OSHC's EV-to-EBIT is ranked higher than
59% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. OSHC: 12.69 )
Ranked among companies with meaningful EV-to-EBIT only.
OSHC' s 10-Year EV-to-EBIT Range
Min: -0.3  Med: 21.20 Max: 104.9
Current: 12.69
-0.3
104.9
PEG 2.39
OSHC's PEG is ranked lower than
76% of the 575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. OSHC: 2.39 )
Ranked among companies with meaningful PEG only.
OSHC' s 10-Year PEG Range
Min: 0.29  Med: 0.89 Max: 5.8
Current: 2.39
0.29
5.8
Shiller P/E 17.78
OSHC's Shiller P/E is ranked lower than
54% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.76 vs. OSHC: 17.78 )
Ranked among companies with meaningful Shiller P/E only.
OSHC' s 10-Year Shiller P/E Range
Min: 16.89  Med: 20.29 Max: 26.95
Current: 17.78
16.89
26.95
Days Sales Outstanding 28.39
OSHC's Days Sales Outstanding is ranked higher than
60% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. OSHC: 28.39 )
Ranked among companies with meaningful Days Sales Outstanding only.
OSHC' s 10-Year Days Sales Outstanding Range
Min: 26.32  Med: 39.57 Max: 54.34
Current: 28.39
26.32
54.34

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.60
OSHC's Dividend Yield is ranked lower than
73% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. OSHC: 1.60 )
Ranked among companies with meaningful Dividend Yield only.
OSHC' s 10-Year Dividend Yield Range
Min: 0.49  Med: 1.70 Max: 2.54
Current: 1.6
0.49
2.54
Dividend Payout 0.24
OSHC's Dividend Payout is ranked higher than
67% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. OSHC: 0.24 )
Ranked among companies with meaningful Dividend Payout only.
OSHC' s 10-Year Dividend Payout Range
Min: 0.21  Med: 0.30 Max: 1.25
Current: 0.24
0.21
1.25
Yield on cost (5-Year) 2.99
OSHC's Yield on cost (5-Year) is ranked higher than
50% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. OSHC: 2.99 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
OSHC' s 10-Year Yield on cost (5-Year) Range
Min: 0.91  Med: 3.17 Max: 4.74
Current: 2.99
0.91
4.74
Share Buyback Rate 2.10
OSHC's Share Buyback Rate is ranked higher than
91% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. OSHC: 2.10 )
Ranked among companies with meaningful Share Buyback Rate only.
OSHC' s 10-Year Share Buyback Rate Range
Min: 0  Med: 5.80 Max: -1.2
Current: 2.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.93
OSHC's Price/Tangible Book is ranked higher than
68% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. OSHC: 0.93 )
Ranked among companies with meaningful Price/Tangible Book only.
OSHC' s 10-Year Price/Tangible Book Range
Min: 0.67  Med: 0.96 Max: 1.89
Current: 0.93
0.67
1.89
Price/Projected FCF 0.55
OSHC's Price/Projected FCF is ranked higher than
67% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. OSHC: 0.55 )
Ranked among companies with meaningful Price/Projected FCF only.
OSHC' s 10-Year Price/Projected FCF Range
Min: 0.46  Med: 0.55 Max: 0.65
Current: 0.55
0.46
0.65
Price/DCF (Earnings Based) 0.64
OSHC's Price/DCF (Earnings Based) is ranked higher than
59% of the 56 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. OSHC: 0.64 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 0.96
OSHC's Price/Median PS Value is ranked higher than
74% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. OSHC: 0.96 )
Ranked among companies with meaningful Price/Median PS Value only.
OSHC' s 10-Year Price/Median PS Value Range
Min: 0.71  Med: 0.99 Max: 8.58
Current: 0.96
0.71
8.58
Price/Graham Number 0.77
OSHC's Price/Graham Number is ranked higher than
61% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. OSHC: 0.77 )
Ranked among companies with meaningful Price/Graham Number only.
OSHC' s 10-Year Price/Graham Number Range
Min: 0.68  Med: 0.90 Max: 2.97
Current: 0.77
0.68
2.97
Earnings Yield (Greenblatt) (%) 7.90
OSHC's Earnings Yield (Greenblatt) (%) is ranked higher than
63% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. OSHC: 7.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
OSHC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1  Med: 4.70 Max: 10620
Current: 7.9
1
10620
Forward Rate of Return (Yacktman) (%) 11.61
OSHC's Forward Rate of Return (Yacktman) (%) is ranked lower than
54% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. OSHC: 11.61 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
OSHC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 4.9  Med: 22.60 Max: 51.9
Current: 11.61
4.9
51.9

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 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, Results of Operations and Financial Condition, Other... Jul 29 2015
Ocean Shore Holding posts 2Q profit Jul 28 2015
Ocean Shore Holding posts 2Q profit Jul 28 2015
Ocean Shore Holding Co. Reports 2nd Quarter Earnings Jul 28 2015
Ocean Shore Holding Co. Reports 2nd Quarter Earnings Jul 28 2015
Ocean Shore Holding Co. Announces Redemption Of Trust Preferred Securities Jul 27 2015
Ocean Shore Holding Co. Announces Redemption Of Trust Preferred Securities Jul 27 2015
Ocean Shore Holding Co. Announces Quarterly Cash Dividend Jul 22 2015
Ocean Shore Holding Co. Announces Quarterly Cash Dividend Jul 22 2015
OCEAN SHORE HOLDING CO. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 21 2015
OCEAN SHORE HOLDING CO. Financials May 20 2015
10-Q for Ocean Shore Holding Co. May 09 2015
OCEAN SHORE HOLDING CO. Files SEC form 10-Q, Quarterly Report May 07 2015
10-K for Ocean Shore Holding Co. May 05 2015
OCEAN SHORE HOLDING CO. Files SEC form 8-K, Results of Operations and Financial Condition Apr 29 2015
Ocean Shore Holding posts 1Q profit Apr 28 2015
Ocean Shore Holding posts 1Q profit Apr 28 2015
Ocean Shore Holding Co. Reports 1st Quarter 2015 Earnings Apr 28 2015
Ocean Shore Holding Co. Reports 1st Quarter 2015 Earnings Apr 28 2015
Ocean Shore Holding Co. Announces Quarterly Cash Dividend Apr 22 2015

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