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Upturn AI SWOT - About
OCFC 
OceanFirst Financial Corp (OCFC)
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Upturn Advisory Summary
09/12/2025: 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 -0.09% | 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 09/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.04B USD | Price to earnings Ratio 12.85 | 1Y Target Price 20.29 |
Price to earnings Ratio 12.85 | 1Y Target Price 20.29 | ||
Volume (30-day avg) 7 | Beta 1.05 | 52 Weeks Range 13.95 - 21.11 | Updated Date 09/14/2025 |
52 Weeks Range 13.95 - 21.11 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 4.38% | 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 12.85 | Forward PE 10.5 | Enterprise Value 2084829568 | Price to Sales(TTM) 2.76 |
Enterprise Value 2084829568 | Price to Sales(TTM) 2.76 | ||
Enterprise Value to Revenue 5.65 | Enterprise Value to EBITDA - | Shares Outstanding 57385400 | Shares Floating 55356205 |
Shares Outstanding 57385400 | Shares Floating 55356205 | ||
Percent Insiders 3.27 | Percent Institutions 78.56 |
Upturn AI SWOT
OceanFirst Financial Corp
Company Overview
History and Background
OceanFirst Financial Corp. was founded in 1902 as OceanFirst Bank, a New Jersey-based savings bank. It has grown organically and through acquisitions, expanding its presence throughout the Mid-Atlantic region.
Core Business Areas
- Commercial Banking: Offers a range of lending, deposit, and cash management services to businesses of all sizes.
- Retail Banking: Provides personal banking services including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers investment management, financial planning, and trust services.
Leadership and Structure
Christopher D. Maher serves as the Chairman and CEO. The company operates with a traditional hierarchical structure, with various executive vice presidents overseeing different business units.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share information is not publicly available. Competitors include other regional and national banks such as PNC (PNC), Bank of America (BAC), and Wells Fargo (WFC).
- Residential Mortgages: Offers mortgage products for home purchases and refinancing. Market share information is not publicly available. Competitors include Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC), and various regional banks.
- Small Business Loans: Provides financing to small businesses through SBA loans and other programs. Market share information is not publicly available. Competitors include JPMorgan Chase (JPM), US Bancorp (USB), and smaller community banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increasing regulatory scrutiny, and competition from fintech companies.
Positioning
OceanFirst is a regional bank focused on serving the Mid-Atlantic region. Its competitive advantages include its strong local presence, established customer relationships, and focus on community banking.
Total Addressable Market (TAM)
The TAM for banking services in the Mid-Atlantic region is estimated to be in the billions of dollars. OceanFirst is well-positioned to capture a portion of this market through its branch network and digital offerings.
Upturn SWOT Analysis
Strengths
- Strong capital position
- Experienced management team
- Established presence in the Mid-Atlantic region
- Solid customer relationships
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking model
- Vulnerability to interest rate fluctuations
Opportunities
- Expanding into new markets within the Mid-Atlantic region
- Adopting new technologies to improve efficiency
- Acquiring smaller community banks
- Growing wealth management business
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PNC
- BAC
- USB
Competitive Landscape
OceanFirst competes with larger national banks and smaller community banks. Its competitive advantages include its focus on community banking and its strong local presence.
Major Acquisitions
Country Bank Holding Company, Inc.
- Year: 2020
- Acquisition Price (USD millions): 102.2
- Strategic Rationale: Expanded OceanFirst's footprint into the New York metropolitan area.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Analyst projections indicate continued growth, driven by loan growth and expansion into new markets.
Recent Initiatives: Recent initiatives include investments in technology and digital banking platforms.
Summary
OceanFirst is a regional bank with a strong presence in the Mid-Atlantic region. The company has grown through strategic acquisitions and organic expansion. It faces competition from larger national banks and fintech companies. OceanFirst's success depends on its ability to adapt to changing market conditions and invest in new technologies.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Publications
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market share data is based on publicly available information and estimates.
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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