OceanFirst Financial Corp. (NASDAQ: OCFC) is one of 209 public companies in the “Commercial Banks” industry, but how does it weigh in compared to its rivals? We will compare OceanFirst Financial Corp. to related businesses based on the strength of its profitability, earnings, analyst recommendations, risk, dividends, institutional ownership and valuation.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for OceanFirst Financial Corp. and its rivals, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
OceanFirst Financial Corp. 0 0 5 0 3.00
OceanFirst Financial Corp. Competitors 358 2831 2297 66 2.37

OceanFirst Financial Corp. currently has a consensus target price of $31.00, suggesting a potential upside of 14.35%. As a group, “Commercial Banks” companies have a potential upside of 4.39%. Given OceanFirst Financial Corp.’s stronger consensus rating and higher possible upside, analysts plainly believe OceanFirst Financial Corp. is more favorable than its rivals.

Insider & Institutional Ownership

67.3% of OceanFirst Financial Corp. shares are held by institutional investors. Comparatively, 46.5% of shares of all “Commercial Banks” companies are held by institutional investors. 7.0% of OceanFirst Financial Corp. shares are held by insiders. Comparatively, 11.6% of shares of all “Commercial Banks” companies are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Volatility and Risk

OceanFirst Financial Corp. has a beta of 0.61, suggesting that its stock price is 39% less volatile than the S&P 500. Comparatively, OceanFirst Financial Corp.’s rivals have a beta of 0.74, suggesting that their average stock price is 26% less volatile than the S&P 500.

Valuation and Earnings

This table compares OceanFirst Financial Corp. and its rivals revenue, earnings per share (EPS) and valuation.

Gross Revenue NetIncome Price/Earnings Ratio
OceanFirst Financial Corp. $153.84 million $23.04 million 22.59
OceanFirst Financial Corp. Competitors $343.33 million $72.32 million 16.83

OceanFirst Financial Corp.’s rivals have higher revenue and earnings than OceanFirst Financial Corp.. OceanFirst Financial Corp. is trading at a higher price-to-earnings ratio than its rivals, indicating that it is currently more expensive than other companies in its industry.

Profitability

This table compares OceanFirst Financial Corp. and its rivals’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
OceanFirst Financial Corp. 18.59% 8.93% 1.00%
OceanFirst Financial Corp. Competitors 20.61% 8.80% 0.93%

Dividends

OceanFirst Financial Corp. pays an annual dividend of $0.60 per share and has a dividend yield of 2.2%. OceanFirst Financial Corp. pays out 50.0% of its earnings in the form of a dividend. As a group, “Commercial Banks” companies pay a dividend yield of 1.8% and pay out 34.5% of their earnings in the form of a dividend.

Summary

OceanFirst Financial Corp. rivals beat OceanFirst Financial Corp. on 8 of the 15 factors compared.

OceanFirst Financial Corp. Company Profile

OceanFirst Financial Corp. is a holding company for OceanFirst Bank (the Bank). The Company is a savings and loan holding company. The Bank’s principal business is attracting retail and business deposits in the communities surrounding its branch offices and investing those deposits primarily in loans, consisting of single-family, owner-occupied residential mortgage loans, and commercial real estate and other commercial loans. The Bank also invests in other types of loans, including residential construction and consumer loans. In addition, the Bank invests in mortgage-backed securities (MBS), securities issued by the United States Government and agencies thereof, corporate securities and other investments. The Bank originates home equity loans typically as fixed-rate loans with terms ranging from 5 to 20 years. The Bank also offers variable-rate home equity lines of credit.

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