OCFC
OceanFirst Financial Corp.
Banks - Regional
Market Cap$1.08B
5Y Perf.+13.1%
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Stock Comparison
OCFC vs AMSF
Revenue, margins, valuation, and 5-year total return — side by side.
AMSF
AMERISAFE, Inc.
Insurance - Specialty
Market Cap$569M
5Y Perf.-50.6%
OCFC vs AMSF — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | OCFC | AMSF |
|---|---|---|
| Industry | Banks - Regional | Insurance - Specialty |
| Market Cap | $1.08B | $569M |
| Revenue (TTM) | $656M | $325M |
| Net Income (TTM) | $71M | $46M |
| Gross Margin | 54.5% | 47.6% |
| Operating Margin | 14.1% | 17.8% |
| Forward P/E | 9.9x | 14.4x |
| Total Debt | $1.63B | $491K |
| Cash & Equiv. | $135M | $62M |
OCFC vs AMSF — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
OCFC
AMSF
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| OceanFirst Financia… (OCFC) | 100 | 113.1 | +13.1% |
| AMERISAFE, Inc. (AMSF) | 100 | 49.4 | -50.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: OCFC vs AMSF
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: AMSF leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. OceanFirst Financial Corp. is the stronger pick specifically for valuation and capital efficiency and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
OCFC
OceanFirst Financial Corp.
The Banking Pick
OCFC is the clearest fit if your priority is long-term compounding.
- 45.4% 10Y total return vs AMSF's 31.8%
- Lower P/E (9.9x vs 14.4x)
- +20.5% vs AMSF's -29.2%
Best for: long-term compounding
AMSF
AMERISAFE, Inc.
The Insurance Pick
AMSF carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 0 yrs, beta 0.23, yield 8.4%
- Rev growth 2.6%, EPS growth -14.5%, 3Y rev CAGR 2.5%
- Lower volatility, beta 0.23, Low D/E 0.2%, current ratio 0.32x
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | AMSF | 2.6% revenue growth vs OCFC's -4.7% |
| Value | OCFC | Lower P/E (9.9x vs 14.4x) |
| Quality / Margins | AMSF | 14.3% margin vs OCFC's 10.8% |
| Stability / Safety | AMSF | Beta 0.23 vs OCFC's 1.05, lower leverage |
| Dividends | AMSF | 8.4% yield, vs OCFC's 4.5% |
| Momentum (1Y) | OCFC | +20.5% vs AMSF's -29.2% |
| Efficiency (ROA) | AMSF | 5.6% ROA vs OCFC's 0.5%, ROIC 21.9% vs 2.2% |
OCFC vs AMSF — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
Segment breakdown not available.
OCFC vs AMSF — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLAMSFLAGGINGOCFC
OCFCOceanFirst Financial …
2leads
AMSFAMERISAFE, Inc.
3leads
6 Total Categories
CATEGORYLEADERvs OCFCMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
AMSF3/5
Valuation MetricsMultiples, price ratios, and targets
OCFC4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
AMSF8/8
Total Returns1Y, 3Y, 5Y total returns with dividends
OCFC6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
AMSF1/1
Income & Cash Flow (Last 12 Months)
AMSF leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
OCFC is the larger business by revenue, generating $656M annually — 2.0x AMSF's $325M. Profitability is closely matched — net margins range from 14.3% (AMSF) to 10.8% (OCFC).
| Metric | OCFCOceanFirst Financ… | AMSFAMERISAFE, Inc. |
|---|---|---|
| RevenueTrailing 12 months | $656M | $325M |
| EBITDAEarnings before interest/tax | $103M | $58M |
| Net IncomeAfter-tax profit | $71M | $46M |
| Free Cash FlowCash after capex | $80M | $8M |
| Gross MarginGross profit ÷ Revenue | +54.5% | +47.6% |
| Operating MarginEBIT ÷ Revenue | +14.1% | +17.8% |
| Net MarginNet income ÷ Revenue | +10.8% | +14.3% |
| FCF MarginFCF ÷ Revenue | +12.1% | +2.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | +10.3% |
| EPS Growth (YoY)Latest quarter vs prior year | -36.1% | -8.5% |
AMSF leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
OCFC leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 12.3x trailing earnings, AMSF trades at a 24% valuation discount to OCFC's 16.1x P/E. On an enterprise value basis, AMSF's 8.5x EV/EBITDA is more attractive than OCFC's 27.7x.
| Metric | OCFCOceanFirst Financ… | AMSFAMERISAFE, Inc. |
|---|---|---|
| Market CapShares × price | $1.1B | $569M |
| Enterprise ValueMkt cap + debt − cash | $2.6B | $508M |
| Trailing P/EPrice ÷ TTM EPS | 16.14x | 12.27x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.93x | 14.42x |
| PEG RatioP/E ÷ EPS growth rate | 5.80x | — |
| EV / EBITDAEnterprise value multiple | 27.70x | 8.53x |
| Price / SalesMarket cap ÷ Revenue | 1.65x | 1.80x |
| Price / BookPrice ÷ Book value/share | 0.65x | 2.30x |
| Price / FCFMarket cap ÷ FCF | 13.63x | 63.83x |
OCFC leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
AMSF leads this category, winning 8 of 8 comparable metrics.
Profitability & Efficiency
AMSF delivers a 9.7% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $4 for OCFC. AMSF carries lower financial leverage with a 0.00x debt-to-equity ratio, signaling a more conservative balance sheet compared to OCFC's 0.98x. On the Piotroski fundamental quality scale (0–9), AMSF scores 7/9 vs OCFC's 6/9, reflecting strong financial health.
| Metric | OCFCOceanFirst Financ… | AMSFAMERISAFE, Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +4.3% | +9.7% |
| ROA (TTM)Return on assets | +0.5% | +5.6% |
| ROICReturn on invested capital | +2.2% | +21.9% |
| ROCEReturn on capital employed | +2.7% | +16.8% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 7 |
| Debt / EquityFinancial leverage | 0.98x | 0.00x |
| Net DebtTotal debt minus cash | $1.5B | -$61M |
| Cash & Equiv.Liquid assets | $135M | $62M |
| Total DebtShort + long-term debt | $1.6B | $491,000 |
| Interest CoverageEBIT ÷ Interest expense | 0.33x | — |
AMSF leads this category, winning 8 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
OCFC leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in OCFC five years ago would be worth $10,246 today (with dividends reinvested), compared to $8,110 for AMSF. Over the past 12 months, OCFC leads with a +20.5% total return vs AMSF's -29.2%. The 3-year compound annual growth rate (CAGR) favors OCFC at 15.9% vs AMSF's -9.1% — a key indicator of consistent wealth creation.
| Metric | OCFCOceanFirst Financ… | AMSFAMERISAFE, Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +8.1% | -18.3% |
| 1-Year ReturnPast 12 months | +20.5% | -29.2% |
| 3-Year ReturnCumulative with dividends | +55.7% | -24.8% |
| 5-Year ReturnCumulative with dividends | +2.5% | -18.9% |
| 10-Year ReturnCumulative with dividends | +45.4% | +31.8% |
| CAGR (3Y)Annualised 3-year return | +15.9% | -9.1% |
OCFC leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — OCFC and AMSF each lead in 1 of 2 comparable metrics.
Risk & Volatility
AMSF is the less volatile stock with a 0.23 beta — it tends to amplify market swings less than OCFC's 1.05 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. OCFC currently trades 91.6% from its 52-week high vs AMSF's 62.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | OCFCOceanFirst Financ… | AMSFAMERISAFE, Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.05x | 0.23x |
| 52-Week HighHighest price in past year | $20.61 | $48.54 |
| 52-Week LowLowest price in past year | $16.09 | $29.42 |
| % of 52W HighCurrent price vs 52-week peak | +91.6% | +62.4% |
| RSI (14)Momentum oscillator 0–100 | 53.8 | 34.2 |
| Avg Volume (50D)Average daily shares traded | 662K | 212K |
Evenly matched — OCFC and AMSF each lead in 1 of 2 comparable metrics.
Analyst Outlook
AMSF leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates OCFC as "Hold" and AMSF as "Buy". Consensus price targets imply 46.9% upside for AMSF (target: $45) vs 4.2% for OCFC (target: $20). For income investors, AMSF offers the higher dividend yield at 8.41% vs OCFC's 4.45%.
| Metric | OCFCOceanFirst Financ… | AMSFAMERISAFE, Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $19.67 | $44.50 |
| # AnalystsCovering analysts | 8 | 6 |
| Dividend YieldAnnual dividend ÷ price | +4.5% | +8.4% |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | $0.84 | $2.55 |
| Buyback YieldShare repurchases ÷ mkt cap | +7.6% | +2.1% |
AMSF leads this category, winning 1 of 1 comparable metric.
Key Takeaway
AMSF leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). OCFC leads in 2 (Valuation Metrics, Total Returns). 1 tied.
Best OverallAMERISAFE, Inc. (AMSF)Leads 3 of 6 categories
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OCFC vs AMSF: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is OCFC or AMSF a better buy right now?
For growth investors, AMERISAFE, Inc.
(AMSF) is the stronger pick with 2. 6% revenue growth year-over-year, versus -4. 7% for OceanFirst Financial Corp. (OCFC). AMERISAFE, Inc. (AMSF) offers the better valuation at 12. 3x trailing P/E (14. 4x forward), making it the more compelling value choice. Analysts rate AMERISAFE, Inc. (AMSF) a "Buy" — based on 6 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — OCFC or AMSF?
On trailing P/E, AMERISAFE, Inc.
(AMSF) is the cheapest at 12. 3x versus OceanFirst Financial Corp. at 16. 1x. On forward P/E, OceanFirst Financial Corp. is actually cheaper at 9. 9x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — OCFC or AMSF?
Over the past 5 years, OceanFirst Financial Corp.
(OCFC) delivered a total return of +2. 5%, compared to -18. 9% for AMERISAFE, Inc. (AMSF). Over 10 years, the gap is even starker: OCFC returned +45. 4% versus AMSF's +31. 8%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — OCFC or AMSF?
By beta (market sensitivity over 5 years), AMERISAFE, Inc.
(AMSF) is the lower-risk stock at 0. 23β versus OceanFirst Financial Corp. 's 1. 05β — meaning OCFC is approximately 356% more volatile than AMSF relative to the S&P 500. On balance sheet safety, AMERISAFE, Inc. (AMSF) carries a lower debt/equity ratio of 0% versus 98% for OceanFirst Financial Corp. — giving it more financial flexibility in a downturn.
05Which is growing faster — OCFC or AMSF?
By revenue growth (latest reported year), AMERISAFE, Inc.
(AMSF) is pulling ahead at 2. 6% versus -4. 7% for OceanFirst Financial Corp. (OCFC). On earnings-per-share growth, the picture is similar: AMERISAFE, Inc. grew EPS -14. 5% year-over-year, compared to -29. 1% for OceanFirst Financial Corp.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — OCFC or AMSF?
AMERISAFE, Inc.
(AMSF) is the more profitable company, earning 14. 9% net margin versus 10. 8% for OceanFirst Financial Corp. — meaning it keeps 14. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: AMSF leads at 18. 6% versus 14. 1% for OCFC. At the gross margin level — before operating expenses — OCFC leads at 54. 5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is OCFC or AMSF more undervalued right now?
On forward earnings alone, OceanFirst Financial Corp.
(OCFC) trades at 9. 9x forward P/E versus 14. 4x for AMERISAFE, Inc. — 4. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for AMSF: 46. 9% to $44. 50.
08Which pays a better dividend — OCFC or AMSF?
All stocks in this comparison pay dividends.
AMERISAFE, Inc. (AMSF) offers the highest yield at 8. 4%, versus 4. 5% for OceanFirst Financial Corp. (OCFC).
09Is OCFC or AMSF better for a retirement portfolio?
For long-horizon retirement investors, AMERISAFE, Inc.
(AMSF) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 23), 8. 4% yield). Both have compounded well over 10 years (AMSF: +31. 8%, OCFC: +45. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between OCFC and AMSF?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(OCFC: -4.7% · AMSF: 10.3%)Net Margin>
%
(OCFC: 10.8% · AMSF: 14.3%)P/E Ratio<
x
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