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Upturn AI SWOT - About
OCFC 
OceanFirst Financial Corp (OCFC)
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Upturn Advisory Summary
08/28/2025: 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 $20.29
1 Year Target Price $20.29
| 3 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 1.62% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.06B USD | Price to earnings Ratio 13.04 | 1Y Target Price 20.29 |
Price to earnings Ratio 13.04 | 1Y Target Price 20.29 | ||
Volume (30-day avg) 7 | Beta 1.02 | 52 Weeks Range 13.95 - 21.11 | Updated Date 08/29/2025 |
52 Weeks Range 13.95 - 21.11 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 4.34% | Basic EPS (TTM) 1.41 |
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 13.04 | Forward PE 10.5 | Enterprise Value 2100323584 | Price to Sales(TTM) 2.81 |
Enterprise Value 2100323584 | Price to Sales(TTM) 2.81 | ||
Enterprise Value to Revenue 5.7 | Enterprise Value to EBITDA - | Shares Outstanding 57385400 | Shares Floating 55356205 |
Shares Outstanding 57385400 | Shares Floating 55356205 | ||
Percent Insiders 3.27 | Percent Institutions 78.43 |
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 converted to a federal savings bank in 1983 and became a publicly traded company in 1996. Over time, it expanded through organic growth and strategic acquisitions.
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 consumer banking services such as checking accounts, savings accounts, mortgages, and personal loans.
- Wealth Management: Provides wealth management and investment advisory services.
Leadership and Structure
Christopher D. Maher serves as Chairman and CEO. The company has a board of directors overseeing its operations and a management team leading various business units.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, a significant part of OceanFirst's lending portfolio. No specific market share available, competitors include other regional and national banks like PNC and Bank of America. Revenue fluctuates annually.
- Residential Mortgages: Mortgage loans for residential properties. Market share varies by region; competitors include Quicken Loans, Wells Fargo, and local mortgage brokers. Revenue tied to interest rate environment.
- Small Business Loans: Loans for small businesses. Competitors include other regional banks, credit unions, and online lenders like Kabbage. Revenue is tied to loan volume and interest rates.
Market Dynamics
Industry Overview
The banking industry is currently navigating challenges related to interest rate volatility, regulatory changes, and increasing competition from fintech companies.
Positioning
OceanFirst Financial Corp. is a regional bank focused on the Mid-Atlantic region. Its competitive advantages include a strong local presence and customer relationships.
Total Addressable Market (TAM)
TAM in Mid-Atlantic banking region is estimated to be $500B. OceanFirst is positioned with strong presence in their region.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Diversified loan portfolio
- Strong customer relationships
Weaknesses
- Limited geographic reach compared to national banks
- Reliance on traditional banking model
- Higher expense ratio vs its peers
- Fee income lower vs its peers
Opportunities
- Expansion into new markets
- Adoption of fintech solutions
- Increased demand for wealth management services
- Growing Commercial RE market in its region
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- USB
- TD
Competitive Landscape
OceanFirst competes with larger national banks and smaller regional players. It differentiates itself through local relationships and community focus.
Major Acquisitions
Country Bank Holding Company, Inc.
- Year: 2020
- Acquisition Price (USD millions): 102.2
- Strategic Rationale: Expanded OceanFirst's presence in the New York metropolitan area.
Growth Trajectory and Initiatives
Historical Growth: Growth has been steady through a combination of organic growth and acquisitions.
Future Projections: Analyst estimates vary. Check financial news for current consensus.
Recent Initiatives: OceanFirst has been investing in technology and expanding its wealth management services.
Summary
OceanFirst Financial Corp. is a regional bank with a strong presence in the Mid-Atlantic region. Its local focus and customer relationships are key strengths. The company faces challenges from larger competitors and the changing banking landscape but has opportunities to expand through technology and new markets. They are a healthy community bank with good potential for growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Financial data is subject to change.
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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