ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is OceanFirst Financial Corp. ?
1
High Profitability with a Net Interest Margin of 3.27%
2
Strong Long Term Fundamental Strength with a -2.51% CAGR growth in Net Profits
3
The company has declared Negative results for the last 7 consecutive quarters
- OPERATING CASH FLOW(Y) Lowest at USD 59.27 MM
- OPERATING PROFIT(Q) Lowest at USD 24.86 MM
- OPERATING PROFIT MARGIN(Q) Lowest at 16.05 %
4
With ROA of 0.58%, it has a fair valuation with a 0.61 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -10.81%, its profits have fallen by -10.1%
5
High Institutional Holdings at 83.47%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.33% over the previous quarter.
6
Underperformed the market in the last 1 year
- Even though the market (S&P 500) has generated returns of 12.33% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -10.81% returns
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to OceanFirst Financial Corp. should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is OceanFirst Financial Corp. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
OceanFirst Financial Corp.
-3.9%
1.04
31.31%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.59%
EBIT Growth (5y)
-0.89%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
48.56%
Pledged Shares
0
Institutional Holding
83.47%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
0.61
EV to EBIT
16.83
EV to EBITDA
14.93
EV to Capital Employed
0.74
EV to Sales
2.92
PEG Ratio
NA
Dividend Yield
227.37%
ROCE (Latest)
4.38%
ROE (Latest)
5.52%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
DIVIDEND PAYOUT RATIO(Y)
Highest at 71.28%
NII(Q)
Highest at USD 87.64 MM
-10What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 59.27 MM
OPERATING PROFIT(Q)
Lowest at USD 24.86 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 16.05 %
PRE-TAX PROFIT(Q)
Lowest at USD 24.86 MM
NET PROFIT(Q)
Lowest at USD 19.05 MM
EPS(Q)
Lowest at USD 0.28
Here's what is working for OceanFirst Financial Corp.
NII
Highest at USD 87.64 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Dividend Payout Ratio
Highest at 71.28% and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for OceanFirst Financial Corp.
Operating Cash Flow
Lowest at USD 59.27 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Operating Profit
Lowest at USD 24.86 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at 16.05 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD 24.86 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD 19.05 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD 0.28
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Capital Adequacy Ratio
Lowest at 11.74%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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