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Upturn AI SWOT - About
OCFC 
OceanFirst Financial Corp (OCFC)
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Upturn Advisory Summary
06/30/2025: OCFC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
7 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $20
1 Year Target Price $20
| 3 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 5.99% | Avg. Invested days 38 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.03B USD | Price to earnings Ratio 11.58 | 1Y Target Price 20 |
Price to earnings Ratio 11.58 | 1Y Target Price 20 | ||
Volume (30-day avg) 7 | Beta 0.96 | 52 Weeks Range 14.12 - 21.38 | Updated Date 06/29/2025 |
52 Weeks Range 14.12 - 21.38 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 4.52% | Basic EPS (TTM) 1.53 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.12% | Operating Margin (TTM) 34.78% |
Management Effectiveness
Return on Assets (TTM) 0.7% | Return on Equity (TTM) 5.53% |
Valuation
Trailing PE 11.58 | Forward PE 10.5 | Enterprise Value 2043302016 | Price to Sales(TTM) 2.8 |
Enterprise Value 2043302016 | Price to Sales(TTM) 2.8 | ||
Enterprise Value to Revenue 5.6 | Enterprise Value to EBITDA - | Shares Outstanding 58383500 | Shares Floating 56354698 |
Shares Outstanding 58383500 | Shares Floating 56354698 | ||
Percent Insiders 3.21 | Percent Institutions 77.29 |
Analyst Ratings
Rating 3 | Target Price 20 | Buy - | Strong Buy 3 |
Buy - | Strong Buy 3 | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
OceanFirst Financial Corp
Company Overview
History and Background
OceanFirst Financial Corp. was founded in 1902 as OceanFirst Bank. It has grown from a small community bank to a regional financial institution through organic growth and strategic acquisitions.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial real estate financing, business loans, and treasury management services.
- Retail Banking: Provides personal banking services such as checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers wealth management and investment advisory services to individuals and families.
Leadership and Structure
Christopher D. Maher serves as the Chairman and CEO. The company operates with a traditional corporate structure, including a board of directors and executive management team overseeing various business units.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Financing for commercial real estate projects. Market share information is difficult to determine precisely on a national level but OceanFirst holds a significant presence in its operating region. Competitors: National and regional banks such as PNC, Bank of America, and smaller community banks.
- Residential Mortgages: Mortgage products for home purchases and refinancing. Market share information is difficult to determine precisely on a national level but OceanFirst competes with large national mortgage lenders. Competitors: Quicken Loans, Wells Fargo, and other regional banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory changes.
Positioning
OceanFirst is a regional bank focused on community banking and commercial lending. Its competitive advantages include a strong local presence and a long-standing reputation in its operating area.
Total Addressable Market (TAM)
The TAM for banking services in the regions OceanFirst serves is estimated to be in the billions of dollars. OceanFirst is positioned to capture a portion of this TAM through its focus on community banking and commercial lending.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Solid capital base
- Established customer relationships
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking products
- Exposure to interest rate risk
- Smaller scale compared to larger national banks
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Strategic acquisitions
- Increased demand for wealth management services
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC (PNC)
- Bank of America (BAC)
- WSFS Financial (WSFS)
Competitive Landscape
OceanFirst competes with larger national and regional banks, as well as smaller community banks and credit unions. OceanFirstu2019s advantages include its local focus and strong customer relationships. Disadvantages include its smaller scale and limited geographic diversification.
Major Acquisitions
Country Bank Holding Company, Inc.
- Year: 2020
- Acquisition Price (USD millions): 103.2
- Strategic Rationale: Expanded OceanFirst's presence in the New York Metropolitan area, enhancing its commercial banking capabilities and market share.
Growth Trajectory and Initiatives
Historical Growth: OceanFirst's growth has been driven by organic expansion and acquisitions. Past growth rates can be determined by analyzing their revenue and earnings growth over the past several years.
Future Projections: Analyst estimates for OceanFirst's future growth are available from financial research firms. These projections typically consider factors such as economic conditions, industry trends, and company-specific initiatives.
Recent Initiatives: OceanFirst's recent strategic initiatives may include branch expansions, technology investments, and new product launches. Information about these initiatives can be found in their press releases and investor presentations.
Summary
OceanFirst Financial Corp. is a regional bank with a solid community presence, but faces challenges from larger competitors and evolving industry dynamics. Its strengths lie in its customer relationships and strategic acquisitions. It needs to look out for the rising interest rates and increased competition from fintech companies. Continued expansion and technological adaptation will be vital for future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Yahoo Finance
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and consultation with a qualified financial advisor. Market share figures are estimates based on available data and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About OceanFirst Financial Corp
Exchange NASDAQ | Headquaters Toms River, NJ, United States | ||
IPO Launch date 1996-07-03 | Chairman, President & CEO Mr. Christopher D. Maher | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 975 | Website https://www.oceanfirst.com |
Full time employees 975 | Website https://www.oceanfirst.com | ||
OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A. that provides community banking services to retail and commercial customers in the United States. The company accepts deposit products, such as money market accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing accounts, and time deposits, including brokered deposits. It also offers commercial real estate, multi-family, land loans, construction, and commercial and industrial loans; fixed-rate and adjustable-rate mortgage loans that are secured by one-to-four family residences; and consumer loans, such as home equity loans and lines of credit, student loans, loans on savings accounts, overdraft line of credit, and other consumer loans. In addition, the company invests in mortgage-backed securities, securities issued by the U.S. government and agencies, corporate securities, and other investments; and provides bankcard, trust and fiduciary, asset management services, as well as bank owned life insurance products. The company was founded in 1902 and is headquartered in Toms River, New Jersey.
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