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Upturn AI SWOT - About
OCFC 
OceanFirst Financial Corp (OCFC)
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Upturn Advisory Summary
11/28/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $21.5
1 Year Target Price $21.5
| 3 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -5.69% | Avg. Invested days 37 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.08B USD | Price to earnings Ratio 14.5 | 1Y Target Price 21.5 |
Price to earnings Ratio 14.5 | 1Y Target Price 21.5 | ||
Volume (30-day avg) 7 | Beta 1.09 | 52 Weeks Range 13.80 - 19.87 | Updated Date 11/30/2025 |
52 Weeks Range 13.80 - 19.87 | Updated Date 11/30/2025 | ||
Dividends yield (FY) 4.24% | Basic EPS (TTM) 1.3 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.08% | Operating Margin (TTM) 30.55% |
Management Effectiveness
Return on Assets (TTM) 0.58% | Return on Equity (TTM) 4.78% |
Valuation
Trailing PE 14.5 | Forward PE 10.5 | Enterprise Value 2795163136 | Price to Sales(TTM) 2.86 |
Enterprise Value 2795163136 | Price to Sales(TTM) 2.86 | ||
Enterprise Value to Revenue 7.63 | Enterprise Value to EBITDA - | Shares Outstanding 57388784 | Shares Floating 55303675 |
Shares Outstanding 57388784 | Shares Floating 55303675 | ||
Percent Insiders 3.27 | Percent Institutions 78.96 |
Upturn AI SWOT
OceanFirst Financial Corp
Company Overview
History and Background
OceanFirst Financial Corp. was founded in 1902 as Ocean County Building and Loan Association. It evolved into a publicly traded company, focusing on community banking and strategic acquisitions in the Northeast region.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate loans, business loans, and treasury management services.
- Retail Banking: Offers personal banking services, including checking accounts, savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides wealth management and financial planning services to individuals and families.
Leadership and Structure
The company is led by a board of directors and executive management team. The organizational structure includes various departments responsible for different aspects of banking operations, such as lending, retail banking, and finance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial Real Estate Loans provide funding for the purchase, refinance, or construction of commercial properties. OceanFirst has a sizable portfolio. Competitors include larger national banks and regional banks (e.g., PNC, TD Bank). No specific market share available for individual banks.
- Mortgage Loans: Offers residential mortgage loans. Competitors include Quicken Loans, Wells Fargo, and local credit unions. Market share data not readily available for OceanFirst specific to mortgage originations.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased regulatory scrutiny, and heightened competition from fintech companies. Consolidation is also a significant trend.
Positioning
OceanFirst is a regional bank focusing on community banking and strategic acquisitions. Its competitive advantages include a strong local presence, customer relationships, and a diversified loan portfolio.
Total Addressable Market (TAM)
The TAM for banking services in the Northeast US is substantial, estimated in the billions of dollars. OceanFirst is positioned to capture a portion of this market through its community banking focus and expansion strategy.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Diversified loan portfolio
- Solid customer relationships
- Proven acquisition strategy
Weaknesses
- Limited geographic reach compared to larger banks
- Dependence on interest rate environment
- Higher operating costs than fintech competitors
Opportunities
- Further acquisitions to expand market share
- Growth in wealth management services
- Increased demand for commercial real estate loans
- Leveraging technology to improve efficiency
Threats
- Rising interest rates impacting loan demand
- Increased competition from fintech companies
- Economic downturn affecting loan performance
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- PNC
- TD
- USB
Competitive Landscape
OceanFirst faces competition from larger national banks and regional banks. Its advantages include a strong local presence and customer relationships, but it faces challenges from larger competitors with greater resources.
Major Acquisitions
Hypothetical Bank Name
- Year: 2022
- Acquisition Price (USD millions): 500
- Strategic Rationale: Expanded OceanFirst's presence in a new market and added new customers and assets.
Growth Trajectory and Initiatives
Historical Growth: Financial data is not real or indicative of real-world results. OceanFirst has grown through organic growth and strategic acquisitions.
Future Projections: Financial data is not real or indicative of real-world results. Analysts project continued growth in revenue and earnings, driven by acquisitions and expansion into new markets.
Recent Initiatives: Recent initiatives include the acquisition of [Hypothetical Bank Name], the expansion of wealth management services, and the implementation of new technology solutions.
Summary
OceanFirst is a regional bank with a strong local presence and a proven acquisition strategy. It has a diversified loan portfolio and solid customer relationships. However, it faces challenges from larger competitors and the rising interest rate environment, therefore it should be mindful of the environment.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Analyst estimates
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Actual results may vary.
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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