ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is OceanFirst Financial Corp. ?
1
High Profitability with a Net Interest Margin of 2.06%
2
Strong Long Term Fundamental Strength with a 0.14% 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 44.82 MM
- EPS(Q) Lowest at USD 0.23
4
With ROA of 0.44%, it has a fair valuation with a 0.68 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 6.28%, its profits have fallen by -12.3%
5
High Institutional Holdings at 81.2%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.2% over the previous quarter.
6
Underperformed the market in the last 1 year
- The stock has generated a return of 6.28% in the last 1 year, much lower than market (S&P 500) returns of 19.17%
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, Medium Return
Absolute
Risk Adjusted
Volatility
OceanFirst Financial Corp.
6.28%
0.78
32.14%
S&P 500
19.17%
0.99
19.34%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.10%
EBIT Growth (5y)
0.06%
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
68.43%
Pledged Shares
0
Institutional Holding
81.20%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
0.68
EV to EBIT
19.04
EV to EBITDA
16.78
EV to Capital Employed
0.79
EV to Sales
3.12
PEG Ratio
NA
Dividend Yield
106.47%
ROCE (Latest)
4.14%
ROE (Latest)
5.41%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
NII(Q)
Highest at USD 95.28 MM
GROSS NPA (%)
(Q
DIVIDEND PAYOUT RATIO(Y)
Highest at 86.99%
CREDIT DEPOSIT RATIO(HY)
Highest at 100.82%
NET SALES(Q)
Highest at USD 171.73 MM
PRE-TAX PROFIT(Q)
Highest at USD 28.48 MM
NET PROFIT(Q)
Highest at USD 22.13 MM
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 44.82 MM
EPS(Q)
Lowest at USD 0.23
Here's what is working for OceanFirst Financial Corp.
NII
Highest at USD 95.28 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Non Performing Loans (%)
Lowest at 0.25%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Net Sales
Highest at USD 171.73 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Pre-Tax Profit
Highest at USD 28.48 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 22.13 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Credit Deposit Ratio
Highest at 100.82%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Highest at 86.99%
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 44.82 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)
EPS
Lowest at USD 0.23
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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