OCFC Valuation

OceanFirst Financial Corp

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18.500

+0.63(3.525%)1D

Overview
Forecast
Valuation
Earnings

OCFC Relative Valuation

OCFC's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, OCFC is overvalued; if below, it's undervalued.

Historical Valuation

OceanFirst Financial Corp (OCFC) is now in the Undervalued zone, suggesting that its current forward PE ratio of 11.81 is considered Undervalued compared with the five-year average of 10.42. The fair price of OceanFirst Financial Corp (OCFC) is between 19.19 to 23.60 according to relative valuation methord. Compared to the current price of 18.50 USD , OceanFirst Financial Corp is Undervalued By 3.59%.

Relative Value

Fair Zone

19.19-23.60

Current Price：18.50

3.59%

Undervalued

11.81

Trailing

Forward

0.00

EV/EBITDA

OceanFirst Financial Corp. (OCFC) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

OceanFirst Financial Corp. (OCFC) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

2.40

OceanFirst Financial Corp. (OCFC) has a current PS of 2.40. The 5-year average PS is 2.78. The thresholds are as follows: Strongly Undervalued below 1.80, Undervalued between 1.80 and 2.29, Fairly Valued between 3.28 and 2.29, Overvalued between 3.28 and 3.77, and Strongly Overvalued above 3.77. The current Forward PS of 2.40 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

OceanFirst Financial Corp. (OCFC) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

OceanFirst Financial Corp. (OCFC) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

OceanFirst Financial Corp (OCFC) has a current Price-to-Book (P/B) ratio of 0.62. Compared to its 3-year average P/B ratio of 0.63 , the current P/B ratio is approximately -1.34% higher. Relative to its 5-year average P/B ratio of 0.70, the current P/B ratio is about -11.25% higher. OceanFirst Financial Corp (OCFC) has a Forward Free Cash Flow (FCF) yield of approximately 4.26%. Compared to its 3-year average FCF yield of 12.62%, the current FCF yield is approximately -66.27% lower. Relative to its 5-year average FCF yield of 11.62% , the current FCF yield is about -63.38% lower.

0.62

P/B

Median3y

0.63

Median5y

0.70

4.26

FCF Yield

Median3y

12.62

Median5y

11.62

Competitors Valuation Multiple

The average P/S ratio for OCFC's competitors is 3.05, providing a benchmark for relative valuation. OceanFirst Financial Corp Corp (OCFC) exhibits a P/S ratio of 2.40, which is -21.22% above the industry average. Given its robust revenue growth of 5.79%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

OCFC.O

OceanFirst Financial Corp

Capitol Federal Financial Inc

Triumph Financial Inc

Southern Missouri Bancorp Inc

Performance Decomposition

Market capitalization of OCFC decreased by 1.71% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 10.69 to 12.68.

The secondary factor is the Revenue Growth, contributed 5.79%to the performance.

Overall, the performance of OCFC in the past 1 year is driven by P/E Change. Which is more unsustainable.

5.79%

84.56M → 89.46M

Revenue Growth

-26.17%

28.89 → 21.33

Margin Expansion

18.67%

10.69 → 12.68

P/E Change

-1.71%