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OceanFirst Financial Corp. (OCFC) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

OceanFirst Financial Corp.

OCFCMarket cap $1.65BPrice $16.8

Country🇺🇸United States

SectorFinancials

IndustryBanks

OceanFirst Financial runs a New Jersey-based community bank offering deposits, loans, and wealth management to consumers and small businesses. It's grown through steady acquisitions, becoming one of the state's largest bank holding companies from a single Toms River branch.

In Bastion Portfolios?

52W Return-2%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)-3%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+27%–

Rev CAGR (5y)+17%9

Earnings Forecast

EPS Growth Y+1+23%8

EPS Growth Y+2+60%9

EPS Growth Y+3+12%7

Quality

Margins

EBIT Margin0%2

Net Income Margin11%6

Free Cash Flow Margin26%9

Debt

Net Debt/EBITDAna–

Efficiency

ROE2%2

ROA0%2

Earnings Stability44

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)99

P/E Ratio (Forward 3y)710

P/BV0.710

EV Multiples

EV/EBITDA Fwd09

EV/EBIT Fwd09

Yield

Free Cash Flow Yield0.0%3

Dividend Yield4.8%9

Momentum

Short term

1 month return-14%1

3 month return-11%3

YTD return-4%4

Mid term

Price vs 52wHigh83%6

1 year return-4%4

Long term

3 year return+36%5

5 year return-6%3

Risk Shield

Price Risk

Beta0.95

Volatility28%7

Free Cash Flow

Free Cash Flow Margin26%9

Free Cash Flow Yield0.0%3

Quality

ROCE4%2

Earnings Stability44

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

OCFCOceanFirst Financial

Revenue FY25$389M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR-3%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+27%–

Revenue, next 5Y, CAGR+17%9

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+23%8

EPS growth, FY27E+60%9

EPS growth, FY28E+12%7

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 27%/yr over the next 3 years, ahead of most of the market.9/10

After shrinking over the last 3 years, revenue is set to grow 27%/yr from here.

The runway holds up: revenue is set to grow 17%/yr over five years.9/10

Earnings are set to grow in step with sales (EPS about 23%/yr vs revenue 27%/yr).

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's turning around.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

WEAK21 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-14%1

3-month return-11%3

YTD return-4%4

MID & LONG-TERM▾SCORE

% of 52-week high83%6

1-year return-4%4

3-year return+36%5

5-year return-6%3

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+36% over three years and -6.2% over five), roughly average for the market.

It's down 4% over the past year, now 17% below its 52-week high. That is right in line with the market.

Returns sit at the market level so far this year (-4%).

WEAKNESSES

The stock is underperforming over the past month (-14%) and over three months (-11%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the stock is underperforming over the past month and over three months.

04Value

Are you paying a fair price for it?

Stop guessing on OceanFirst Financial Corp.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

OCFCOceanFirst Financial

Revenue FY25$389M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR-3%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+27%–

Revenue, next 5Y, CAGR+17%9

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+23%8

EPS growth, FY27E+60%9

EPS growth, FY28E+12%7

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 27%/yr over the next 3 years, ahead of most of the market.9/10

After shrinking over the last 3 years, revenue is set to grow 27%/yr from here.

The runway holds up: revenue is set to grow 17%/yr over five years.9/10

Earnings are set to grow in step with sales (EPS about 23%/yr vs revenue 27%/yr).

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's turning around.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

WEAK21 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-14%1

3-month return-11%3

YTD return-4%4

MID & LONG-TERM▾SCORE

% of 52-week high83%6

1-year return-4%4

3-year return+36%5

5-year return-6%3

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+36% over three years and -6.2% over five), roughly average for the market.

It's down 4% over the past year, now 17% below its 52-week high. That is right in line with the market.

Returns sit at the market level so far this year (-4%).

WEAKNESSES

The stock is underperforming over the past month (-14%) and over three months (-11%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on OceanFirst Financial Corp.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community