OceanFirst Financial Corp. (OCFC) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
27.79
↑+82% vs avg
5yr avg: 15.25
30Y Low2.2·High81.1
P/FCF
↑
13.75
↑+35% vs avg
5yr avg: 10.18
30Y Low2.9·High82.5
P/B Ratio
↓
0.66
-7% vs avg
5yr avg: 0.70
30Y Low0.6·High2.6
ROE
↓
4.2%
↑-37% vs avg
5yr avg: 6.7%
30Y Low-1%·High15%
Debt/EBITDA
↑
17.53
↑+107% vs avg
5yr avg: 8.46
30Y Low2.2·High20.9
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
OCFC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
OceanFirst Financial Corp. trades at 16.3x earnings, 41% above its 5-year average of 11.6x, sitting at the 62nd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a premium of 22%. On a free-cash-flow basis, the stock trades at 13.7x P/FCF, 35% above the 5-year average of 10.2x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.1B | $1.0B | $1.1B | $1.0B | $1.3B | $1.3B | $1.1B | $1.3B | $1.1B | $870M | $706M |
| Enterprise Value | $2.6B | $2.5B | $2.2B | $1.9B | $2.6B | $1.5B | $211M | $1.9B | $1.6B | $1.2B | $782M |
| P/E Ratio → | 16.27 | 15.34 | 10.97 | 10.21 | 8.78 | 12.47 | 18.26 | 14.59 | 14.91 | 20.51 | 30.64 |
| P/S Ratio | 1.67 | 1.57 | 1.53 | 1.61 | 2.58 | 3.41 | 2.58 | 3.76 | 3.49 | 4.09 | 4.66 |
| P/B Ratio | 0.66 | 0.62 | 0.62 | 0.62 | 0.79 | 0.87 | 0.75 | 1.12 | 1.03 | 1.44 | 1.24 |
| P/FCF | 13.75 | 12.96 | 12.46 | 8.78 | 5.45 | 11.23 | 9.49 | 13.62 | 13.23 | 27.66 | 26.41 |
| P/OCF | 12.53 | 11.82 | 11.44 | 8.24 | 5.00 | 8.28 | 8.44 | 12.93 | 11.59 | 10.85 | 21.14 |
P/E links to full P/E history page with 30-year chart
OCFC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
OceanFirst Financial Corp.'s enterprise value stands at 27.8x EBITDA, 82% above its 5-year average of 15.3x. The Financial Services sector median is 11.4x, placing the stock at a 144% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.86 | 3.19 | 3.01 | 5.28 | 3.78 | 0.49 | 5.40 | 5.09 | 5.58 | 5.16 |
| EV / EBITDA | 27.79 | 27.13 | 15.09 | 12.52 | 12.17 | 9.35 | 2.20 | 15.55 | 15.94 | 16.06 | 19.19 |
| EV / EBIT | 28.02 | 27.35 | 16.77 | 14.01 | 13.21 | 10.33 | 2.60 | 17.36 | 18.28 | 18.14 | 22.22 |
| EV / FCF | — | 31.82 | 25.88 | 16.45 | 11.16 | 12.46 | 1.79 | 19.58 | 19.28 | 37.69 | 29.23 |
OCFC Profitability
Margins and return-on-capital ratios measuring operating efficiency
OceanFirst Financial Corp. earns an operating margin of 14.1%, below the Financial Services sector average of 21.2%. Operating margins have compressed from 21.5% to 14.1% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 4.2% is modest, trailing the sector median of 9.4%. ROIC of 2.2% represents below-average returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 54.5% | 54.5% | 54.1% | 59.8% | 87.3% | 93.6% | 70.9% | 84.2% | 87.1% | 88.7% | 89.6% |
| Operating Margin | 14.1% | 14.1% | 19.0% | 21.5% | 40.0% | 36.6% | 18.7% | 31.1% | 27.8% | 30.8% | 23.2% |
| Net Profit Margin | 10.8% | 10.8% | 14.5% | 16.3% | 30.2% | 28.3% | 14.6% | 25.7% | 23.4% | 20.0% | 15.2% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 4.2% | 4.2% | 5.9% | 6.4% | 9.5% | 7.3% | 4.8% | 8.1% | 8.8% | 7.2% | 5.7% |
| ROA | 0.5% | 0.5% | 0.7% | 0.8% | 1.2% | 0.9% | 0.6% | 1.1% | 1.1% | 0.8% | 0.6% |
| ROIC | 2.2% | 2.2% | 3.5% | 3.6% | 5.9% | 5.7% | 3.3% | 4.6% | 4.8% | 5.0% | 3.3% |
| ROCE | 2.7% | 2.7% | 4.1% | 4.3% | 7.4% | 7.5% | 4.3% | 6.2% | 6.5% | 6.9% | 4.7% |
OCFC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
OceanFirst Financial Corp. carries a Debt/EBITDA ratio of 17.5x, which is highly leveraged (324% above the sector average of 4.1x). Net debt stands at $1.5B ($1.6B total debt minus $135M cash). Interest coverage of just 0.3x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.98 | 0.98 | 0.74 | 0.63 | 0.93 | 0.23 | 0.25 | 0.60 | 0.59 | 0.71 | 0.66 |
| Debt / EBITDA | 17.53 | 17.53 | 8.67 | 6.84 | 7.02 | 2.23 | 3.80 | 5.74 | 6.23 | 5.76 | 9.25 |
| Net Debt / Equity | — | 0.90 | 0.67 | 0.54 | 0.83 | 0.10 | -0.61 | 0.49 | 0.47 | 0.52 | 0.13 |
| Net Debt / EBITDA | 16.08 | 16.08 | 7.82 | 5.84 | 6.23 | 0.92 | -9.49 | 4.74 | 5.00 | 4.27 | 1.85 |
| Debt / FCF | — | 18.86 | 13.42 | 7.67 | 5.71 | 1.23 | -7.70 | 5.96 | 6.04 | 10.03 | 2.83 |
| Interest Coverage | 0.33 | 0.33 | 0.42 | 0.57 | 3.61 | 3.87 | 1.22 | 2.03 | 2.37 | 3.33 | 2.67 |
OCFC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.13x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.13 | 0.13 | 0.10 | 0.09 | 0.07 | 0.08 | 0.16 | 0.05 | 0.04 | 0.05 | 0.08 |
| Quick Ratio | 0.13 | 0.13 | 0.10 | 0.09 | 0.07 | 0.08 | 0.16 | 0.05 | 0.04 | 0.05 | 0.08 |
| Cash Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.13 | 0.02 | 0.02 | 0.02 | 0.07 |
| Asset Turnover | — | 0.05 | 0.05 | 0.05 | 0.04 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
OCFC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
OceanFirst Financial Corp. returns 11.9% to shareholders annually — split between a 4.4% dividend yield and 7.5% buyback yield. A payout ratio of 68.0% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 6.1% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 4.4% | 4.7% | 4.8% | 5.0% | 3.8% | 3.4% | 3.8% | 2.6% | 2.8% | 2.2% | 1.8% |
| Payout Ratio | 68.0% | 68.0% | 50.8% | 49.3% | 32.4% | 40.4% | 67.8% | 38.7% | 41.1% | 45.4% | 54.7% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.1% | 6.5% | 9.1% | 9.8% | 11.4% | 8.0% | 5.5% | 6.9% | 6.7% | 4.9% | 3.3% |
| FCF Yield | 7.3% | 7.7% | 8.0% | 11.4% | 18.3% | 8.9% | 10.5% | 7.3% | 7.6% | 3.6% | 3.8% |
| Buyback Yield | 7.5% | 8.0% | 2.0% | 0.0% | 0.6% | 2.7% | 1.3% | 2.0% | 1.0% | 0.0% | 0.3% |
| Total Shareholder Yield | 11.9% | 12.7% | 6.9% | 5.0% | 4.4% | 6.1% | 5.2% | 4.7% | 3.8% | 2.2% | 2.1% |
| Shares Outstanding | — | $57M | $58M | $59M | $59M | $60M | $60M | $51M | $48M | $33M | $24M |
Peer Comparison
Compare OCFC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 OCFCYou | $1B | 16.3 | 27.8 | 13.7 | 54.5% | 14.1% | 4.2% | 2.2% | 17.5 |
 NBTB | $2B | 13.6 | 10.4 | 10.8 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 WSFS | $4B | 14.2 | 6.8 | 17.8 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
 TRMK | $3B | 12.1 | 9.5 | 11.4 | 71.0% | 25.5% | 11.0% | 7.1% | 3.4 |
 FULT | $4B | 10.5 | 9.9 | 14.7 | 67.4% | 25.7% | 11.7% | 7.5% | 2.5 |
 AMSF | $556M | 12.0 | 8.3 | 62.4 | 46.4% | 18.6% | 18.5% | 21.9% | 0.0 |
 ACNB | $551M | 14.8 | 16.2 | 10.5 | 73.7% | 27.3% | 10.2% | 5.3% | 6.2 |
 NFBK | $587M | 19.5 | 24.2 | 19.6 | 49.1% | 16.1% | 4.3% | 2.0% | 15.6 |
 COLB | $7B | 13.1 | 11.9 | 10.2 | 67.7% | 23.4% | 8.5% | 5.4% | 4.5 |
 IBCP | $696M | 10.3 | 9.4 | 9.9 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 FNF | $14B | 23.2 | 7.0 | 2.2 | 98.2% | 9.9% | 6.9% | 10.3% | 2.1 |
| Financial Services Median | — | 13.4 | 11.4 | 10.6 | 63.4% | 21.2% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 30 years · Updated daily
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Start ComparisonOCFC — Frequently Asked Questions
Quick answers to the most common questions about buying OCFC stock.
What is OceanFirst Financial Corp.'s P/E ratio?
OceanFirst Financial Corp.'s current P/E ratio is 16.3x. The historical average is 21.0x. This places it at the 62th percentile of its historical range.
What is OceanFirst Financial Corp.'s EV/EBITDA?
OceanFirst Financial Corp.'s current EV/EBITDA is 27.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 20.1x.
What is OceanFirst Financial Corp.'s ROE?
OceanFirst Financial Corp.'s return on equity (ROE) is 4.2%. The historical average is 8.5%.
Is OCFC stock overvalued?
Based on historical data, OceanFirst Financial Corp. is trading at a P/E of 16.3x. This is at the 62th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is OceanFirst Financial Corp.'s dividend yield?
OceanFirst Financial Corp.'s current dividend yield is 4.41% with a payout ratio of 68.0%.
What are OceanFirst Financial Corp.'s profit margins?
OceanFirst Financial Corp. has 54.5% gross margin and 14.1% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does OceanFirst Financial Corp. have?
OceanFirst Financial Corp.'s Debt/EBITDA ratio is 17.5x, indicating high leverage. A ratio above 4x may signal elevated financial risk.