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Upturn AI SWOT - About
OCFC 
OceanFirst Financial Corp (OCFC)
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Upturn Advisory Summary
10/14/2025: OCFC (1-star) is currently NOT-A-BUY. Pass it for now.
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 $20.75
1 Year Target Price $20.75
| 3 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -4.28% | Avg. Invested days 39 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.07B USD | Price to earnings Ratio 12.64 | 1Y Target Price 20.75 |
Price to earnings Ratio 12.64 | 1Y Target Price 20.75 | ||
Volume (30-day avg) 7 | Beta 1 | 52 Weeks Range 13.95 - 21.11 | Updated Date 10/14/2025 |
52 Weeks Range 13.95 - 21.11 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 4.48% | Basic EPS (TTM) 1.48 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 23.29% | Operating Margin (TTM) 29.75% |
Management Effectiveness
Return on Assets (TTM) 0.66% | Return on Equity (TTM) 5.29% |
Valuation
Trailing PE 12.64 | Forward PE 10.5 | Enterprise Value 2118113024 | Price to Sales(TTM) 2.85 |
Enterprise Value 2118113024 | Price to Sales(TTM) 2.85 | ||
Enterprise Value to Revenue 5.58 | Enterprise Value to EBITDA - | Shares Outstanding 57385351 | Shares Floating 55356205 |
Shares Outstanding 57385351 | Shares Floating 55356205 | ||
Percent Insiders 3.27 | Percent Institutions 78.41 |
Upturn AI SWOT
OceanFirst Financial Corp
Company Overview
History and Background
OceanFirst Financial Corp. was founded in 1902 as OceanFirst Bank. It started as a small community bank in New Jersey and has grown through organic growth and strategic acquisitions to become a regional financial institution.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending, deposit, and cash management services to businesses.
- Retail Banking: Offers consumer loans, deposit accounts, and wealth management services to individuals and families.
- Wealth Management: Provides financial planning, investment management, and trust services.
Leadership and Structure
The leadership team consists of the Chief Executive Officer, Chief Financial Officer, and other key executives. The organizational structure includes various departments such as lending, retail banking, finance, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share information is not publicly disclosed, but it competes with regional and national banks, CMBS lenders, and private equity funds.
- Residential Mortgages: Offers mortgage products for homebuyers. Market share information is not publicly disclosed, but it competes with large national mortgage lenders, regional banks, and credit unions.
- Consumer Deposits: Offers checking, savings, and money market accounts to individuals and businesses. Competitors include local banks, credit unions, and large national banks offering similar products.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, rising interest rates, and evolving regulatory landscape. Technological advancements and fintech companies are disrupting traditional banking models.
Positioning
OceanFirst Financial Corp. is positioned as a regional bank focused on community banking and commercial lending. Its competitive advantages include its strong local presence, customer relationships, and expertise in commercial real estate lending.
Total Addressable Market (TAM)
The TAM for banking services in OceanFirst's operating region is estimated to be in the billions of dollars. OceanFirst is positioned to capture a portion of this TAM through its community focus and strong commercial lending capabilities.
Upturn SWOT Analysis
Strengths
- Strong local presence in New Jersey and surrounding areas
- Experienced management team
- Focus on commercial real estate lending
- Solid capital base
- Strong customer relationships
Weaknesses
- Limited geographic diversification
- Reliance on commercial real estate lending
- Smaller scale compared to national banks
- Vulnerable to interest rate fluctuations
- Technology limitations
Opportunities
- Expansion into new markets
- Increased focus on wealth management
- Adoption of new technologies
- Strategic acquisitions
- Growing demand for commercial real estate financing
Threats
- Increased competition from national banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- USB
- MTB
- FCNCA
Competitive Landscape
OceanFirst Financial Corp. faces competition from larger national banks, regional banks, and credit unions. Its competitive advantages include its local presence, customer relationships, and expertise in commercial real estate lending. Disadvantages include smaller scale and limited geographic diversification.
Major Acquisitions
Country Bank Holding Company, Inc
- Year: 2020
- Acquisition Price (USD millions): 102
- Strategic Rationale: Expanded OceanFirst's presence into the New York metropolitan market and added approximately $725 million in assets.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic growth and strategic acquisitions.
Future Projections: Future growth projections depend on economic conditions, interest rates, and strategic initiatives. Please refer to analyst estimates from reputable sources.
Recent Initiatives: Recent strategic initiatives include expanding into new markets and investing in technology.
Summary
OceanFirst Financial Corp. is a regional bank with a strong presence in the New Jersey market. Its focus on commercial real estate lending and community banking has contributed to its historical growth. However, its smaller scale and reliance on commercial real estate lending pose challenges, and it should be closely watching interest rates and economic conditions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Market Research Reports
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data may be estimated and subject to change. Requires real-time data, which is not available to me. Please consult financial websites for current data.
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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