OCFC (OceanFirst Financial) Risk Assessment

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What is OceanFirst Financial Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of OceanFirst Financial is: High Risk: High uncertainty with risk-return tradeoff.

Competitive Comparison of OceanFirst Financial's Risk Assessment

For the Banks - Regional subindustry, OceanFirst Financial's Risk Assessment, along with its competitors' market caps and Risk Assessment data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

OceanFirst Financial's Risk Assessment Distribution in the Banks Industry

For the Banks industry and Financial Services sector, OceanFirst Financial's Risk Assessment distribution charts can be found below:

* The bar in red indicates where OceanFirst Financial's Risk Assessment falls into.

OceanFirst Financial (NAS:OCFC) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

OceanFirst Financial Risk Assessment Related Terms

Thank you for viewing the detailed overview of OceanFirst Financial's Risk Assessment provided by GuruFocus.com. Please click on the following links to see related term pages.

OceanFirst Financial Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » OceanFirst Financial Corp (NAS:OCFC) » Definitions » Risk Assessment

Comparable Companies

Traded in Other Exchanges

OCFCP.PFD:USA

Address

110 West Front Street, Red Bank, NJ, USA, 07701

Website

https://www.oceanfirst.com

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.

Executives

Murphy Joseph M. Jr.	director	110 WEST FRONT STREET, RED BANK NJ 07701
Brian Schaeffer	other: EVP & CIO, OceanFirst Bank	975 HOOPER AVENUE, TOMS RIVER NJ 08753
Christopher Maher	director, officer: Chairman, President and CEO	209 HAVEMEYER STREET, BROOKLYN NY 11211
Steven James Tsimbinos	officer: Executive VP/Corp. Secretary	C/O OCEANFIRST BANK, 975 HOOPER AVENUE, TOMS RIVER NJ 08753
Anthony Iii Giordano	other: Chief Retail Officer, OFB	4 KELLY LANE, LONG BRANCH NJ 07740
Joseph Iii Lebel	other: EVP, CBO OceanFirst Bank	975 HOOPER AVENUE, TOMS RIVER NJ 08754
Michele B Estep	officer: Chief Administrative Officer	226 LANDIS AVENUE, VINELAND NJ 08360
Angela K Ho	officer: SVP/Chief Accounting Off.	975 HOOPER AVENUE, TOMS RIVER NJ 08753
John F Barros	director	975 HOOPER AVENUE, TOMS RIVER NJ 08753
Robert C Garrett	director	110 WEST FRONT STREET, RED BANK NJ 07701
David Berninger	officer: EVP & Chief Risk Officer	975 HOOPER AVENUE, TOMS RIVER NJ 08753
Dalila Wilson-scott	director	110 WEST FRONT STREET, RED BANK NJ 07701
Oceanfirst Financial Corp	director	975 HOOPER AVENUE, TOMS RIVER NJ 08723
Jack M. Farris	director	C/O OCEANFIRST BANK, 975 HOOPER AVE., TOMS RIVER NJ 08754
Patrick Sean Barrett	officer: Executive Vice President & CFO	C/O FULTON FINANCIAL CORPORATION, ONE PENN SQUARE, LANCASTER PA 17602