OceanFirst Financial Corp. logo OCFC - OceanFirst Financial Corp.

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
1
BUY 2
HOLD 5
SELL 0
STRONG
SELL
0
| PRICE TARGET: $19.67 DETAILS
HIGH: $23.00
LOW: $17.00
MEDIAN: $19.00
CONSENSUS: $19.67
UPSIDE: 5.07%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Revenue
Revenue 655.6 687.9 637.0 485.3 388.8 433.8 345.0 307.3 212.3 151.5 100.5 96.1 90.6 103.9 109.5 115.4 111.5 116.2 117.5 130.2 126.9 111.7 113.3 119.3 131.1 122.2 112.6 108 101.2 83.2 42.3
Cost of Revenue 298.4 315.8 255.9 61.5 24.9 126.1 54.5 39.6 24.1 15.8 10.3 10.1 12.4 22.0 25.8 32.3 36.1 47.2 62.7 58.6 42.2 35.2 37.6 49.3 64.4 67.4 59.7 62.3 56.6 44.6 41.0
Gross Profit 357.2 372.1 381.0 423.8 363.9 307.8 290.5 267.6 188.3 135.7 90.2 86.0 78.2 81.9 83.7 83.2 75.4 69.1 54.8 71.6 84.7 76.5 75.7 70.0 66.7 54.9 52.9 45.7 44.6 38.6 1.4
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 20.7 14.6 151.2 142.2 128.3 122.1 110.4 103.5 74.2 59.4 40.3 39.6 36.5 35.0 36.0 36.0 41.1 40.0 38.8 39.6 34.1 29.3 24.4 22.3 29.2 25.5 22.1 20 18.1 14 8.7
Other Expenses 243.9 226.8 93.1 87.7 93.3 104.6 72.8 78.6 48.8 41.1 18.7 15.8 16.7 15.9 15.5 16.4 9.4 7.5 15.0 12.8 20.7 19.5 20.4 17.8 8.2 6.1 5.8 5.5 5 25.2 (20.0)
Operating Expenses 264.7 241.5 244.3 229.9 221.7 226.7 183.2 182.1 123.0 100.5 59.0 55.4 53.2 50.9 51.5 52.4 50.5 47.4 53.8 52.4 54.8 48.8 44.9 40.1 37.4 31.6 27.9 25.5 23.1 39.2 (11.2)
Operating Income
Operating Income 92.5 130.7 136.8 193.9 142.2 81.0 107.4 85.5 65.3 35.2 31.2 30.5 24.9 30.9 32.2 30.8 24.8 21.6 0.9 19.2 29.8 27.7 30.8 29.9 29.3 23.2 25 20.2 21.5 (0.6) 12.6
Interest Expense 282.2 308.1 238.2 53.7 36.8 66.7 52.8 36.2 19.6 13.2 9.0 7.5 9.6 14.1 18.1 24.3 30.4 45.4 62.0 58.4 41.9 34.9 36.9 47.6 63.1 66.4 58.8 61.4 55.6 43.9 40.0
Interest Income 642.5 642.2 608.0 431.2 342.1 379.6 308.8 276.7 188.8 133.4 85.9 79.9 80.2 87.6 95.4 101.4 95.9 103.4 115.0 116.6 102.8 91.0 94.5 108.5 118.2 116.1 107.3 105.6 98.6 80.3 70.2
Profitability
EBITDA 93.3 145.2 153.2 210.4 157.1 95.8 119.8 98.1 73.8 40.8 34.8 34.5 29.2 35.2 36.5 35.0 27.1 25.8 8.2 25.5 35.4 33.0 39.4 38.0 38.2 29.2 31.3 28.6 29.4 1.3 13.4
EBIT 92.5 130.7 136.9 193.9 142.2 81.0 107.4 85.5 65.3 35.2 31.2 30.5 24.9 30.9 32.2 30.8 24.8 21.6 0.9 19.2 29.8 27.7 30.8 29.9 29.3 23.2 25 20.2 21.5 (0.6) 12.6
Income Before Tax 92.5 130.7 136.8 193.9 142.2 81.0 107.4 85.5 65.3 35.2 31.2 30.5 24.9 30.9 32.2 30.8 24.8 21.6 0.9 19.2 29.8 27.7 30.8 29.9 29.3 23.2 25 20.2 21.5 (0.6) 12.6
Income Tax Expense 21.5 30.3 32.7 46.6 32.2 17.7 18.8 13.6 22.9 12.2 10.9 10.6 8.6 10.9 11.5 10.4 9.2 6.9 (0.1) 6.6 10.3 9.8 11.0 9.8 10.1 6.8 8.7 7.2 7.7 1.1 4.7
Net Income 71.0 100.1 104.0 146.6 110.1 63.3 88.6 71.9 42.5 23.0 20.3 19.9 16.3 20.0 20.7 20.4 15.7 14.8 1.1 12.6 19.5 17.9 19.9 20.1 18.2 16.4 16.3 13 13.8 (1.7) 7.9
Per Share Data
EPS (Basic) 1.17 1.65 1.70 2.43 1.79 1.02 1.77 1.54 1.32 1.00 1.22 1.19 0.96 1.13 1.14 1.12 0.98 1.27 0.09 1.09 1.65 1.48 1.62 1.57 1.31 1.06 0.91 0.65 0.54 -0.26 0.29
EPS (Diluted) 1.17 1.65 1.70 2.42 1.78 1.02 1.75 1.51 1.28 0.98 1.21 1.19 0.95 1.12 1.14 1.12 0.98 1.26 0.09 1.07 1.60 1.42 1.53 1.47 1.23 1.03 0.89 0.63 0.54 -0.26 0.29
Shares Outstanding 57.4 58.3 58.9 58.7 59.4 59.9 50.2 46.8 32.1 23.1 16.6 16.7 17.1 17.7 18.2 18.1 12.7 11.7 11.5 11.5 11.8 12.1 12.3 12.8 13.9 15.4 18.0 20.0 25.4 27.2 27.2
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Current Assets
Cash & Cash Equivalents 135.1 123.6 153.7 167.9 204.9 1,272.1 120.5 120.8 109.6 301.4 23.0 18.5 74.0 36.2 17.2 16.9 7.2 10 10.3 2.2 5.4 8.0
Short-Term Investments 1,231.8 827.5 753.9 457.6 568.3 183.3 151.0 100.7 81.6 20.8 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 49.0 45.9 51.9 44.7 32.6 35.3 21.7 19.7 14.3 12.0 6.1 6.3 6.0 5.5 6.4 7.6 9.3 8.5 9.8 11.1 9.8 7.5
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 1,416.0 997.0 959.5 670.3 805.8 1,490.7 293.2 241.2 205.4 334.1 29.1 24.8 80.1 41.6 23.6 24.5 16.6 18.5 20.1 13.3 15.2 15.5
Non-Current Assets
Property, Plant & Equipment 112.7 115.3 121.4 126.7 125.8 107.1 102.7 111.2 101.8 71.4 22.1 21.3 16.0 16.5 17.7 16.7 14.7 13.9 13.9 14.3 15.7 9.0
Goodwill 517.5 523.3 506.1 506.1 500.3 500.3 374.6 338.4 150.5 145.1 0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 9.0 12.7 9.5 13.5 18.2 23.7 15.6 17.0 8.9 10.9 6.5 7.2 6.0 5.5 0 0 0 0 0 0 0 0
Long-Term Investments 11,949.9 11,206.6 11,401.8 11,195.3 9,829.9 8,800.5 6,990.5 6,440.2 4,742.8 4,395.3 1,885.8 1,727.4 1,745.3 1,589.8 1,633.2 1,652.0 1,544.0 1,510 1,485.3 1,448.2 1,248.2 994.6
Other Non-Current Assets 559.2 566.4 539.9 591.9 459.5 526.0 419.5 304.7 204.7 171.3 86.5 77.2 62.7 62.0 69.3 70.4 64.9 48.5 42.4 35.1 24.8 17.4
Total Non-Current Assets 13,148.4 12,424.2 12,578.8 12,433.6 10,933.8 9,957.6 7,953.0 7,275.0 5,210.6 4,832.8 2,001.0 1,833.2 1,834.2 1,675.8 1,720.1 1,739.2 1,623.7 1,572.4 1,541.6 1,497.6 1,288.7 1,020.9
Total Assets 14,564.3 13,421.2 13,538.3 13,103.9 11,739.6 11,448.3 8,246.1 7,516.2 5,416.0 5,167.1 2,030.0 1,857.9 1,914.3 1,717.4 1,743.7 1,763.7 1,640.2 1,590.9 1,561.7 1,510.9 1,303.9 1,036.4
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 54.4 60.6 73.1 69.1 118.8 128.5 71.7 61.8 79.7 69.9 92.1 89.9 235.1 206.1 214.6 212.3 236.5 334.9 312.1 308.6 99.3 0
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 10,964.4 10,066.3 10,434.9 9,675.2 9,732.8 9,427.6 6,328.8 5,814.6 4,342.8 4,187.8 1,364.2 1,274.1 1,270.5 1,144.2 1,184.8 1,109.0 1,104.2 1,057 1,035.3 976.8 934.7 926.6
Total Current Liabilities 11,018.8 10,126.9 10,508.1 9,744.3 9,851.6 9,556.1 6,400.5 5,876.3 4,422.5 4,257.7 1,497.0 1,364.1 1,505.6 1,350.3 1,399.4 1,321.4 1,340.7 1,391.9 1,347.4 1,285.4 1,034 926.6
Non-Current Liabilities
Long-Term Debt 1,579.2 1,197.6 973.4 1,406.6 229.1 235.5 616.1 548.9 345.2 307.1 333 359.9 228 215 184 272 127.5 20 0 0 8.8 10.4
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 302.6 392.5 393.4 365.6 140.4 172.6 76.4 51.6 46.4 30.3 16.5 14.2 42.7 17.4 25.0 23.6 14.3 11.5 16.6 10 8.3 7.1
Total Non-Current Liabilities 1,882.9 1,591.6 1,368.2 1,774.1 371.5 408.1 692.5 600.5 391.6 337.3 349.5 374.1 270.7 232.4 209.0 295.6 141.8 31.5 16.6 10 17.1 17.5
Total Liabilities 12,901.8 11,718.5 11,876.3 11,518.4 10,223.1 9,964.2 7,093.0 6,476.8 4,814.1 4,595.0 1,846.5 1,738.2 1,776.3 1,582.7 1,608.4 1,616.9 1,482.5 1,423.4 1,364 1,295.4 1,051.1 944.1
Stockholders' Equity
Common Stock 0.6 0.6 0.6 0.6 0.6 0.6 0.5 0.5 0.3 0.3 0.3 0.3 0.3 0.3 0.3 0.2 0.2 0.2 0 0 0 0
Retained Earnings 662.6 641.7 592.5 540.5 442.3 378.3 358.7 305.1 271.0 238.2 163.1 160.3 157.6 150.8 142.2 131.7 121.7 113.2 104 97.6 88.6 90.3
Accumulated Other Comprehensive Income (2.2) (15.9) (20.9) (36.0) (2.8) 0.6 (1.2) (3.5) (5.3) (5.7) (10.8) (14.5) (9.3) (13.3) (14.4) (13.6) (21.2) (29.3) 0 1 (0.3) 2.1
Total Stockholders' Equity 1,662.5 1,701.7 1,661.2 1,584.7 1,516.6 1,484.1 1,153.1 1,039.4 601.9 572.0 183.5 119.8 138.0 134.7 135.3 146.7 157.7 167.5 197.7 215.5 252.8 92.4
Total Liabilities & Equity 14,564.3 13,421.2 13,538.3 13,103.9 11,739.6 11,448.3 8,246.1 7,516.2 5,416.0 5,167.1 2,030.0 1,857.9 1,914.3 1,717.4 1,743.7 1,763.7 1,640.2 1,590.9 1,561.7 1,510.9 1,303.9 1,036.4
Debt Metrics
Total Debt 1,634.7 1,259.6 1,048.0 1,477.6 349.8 363.9 687.8 610.7 424.9 377.0 425.1 449.8 463.1 421.1 398.6 484.3 364.0 354.9 312.1 308.6 108.1 10.4
Net Debt 1,499.6 1,136.0 894.2 1,309.7 144.9 (908.2) 567.3 489.9 315.3 75.6 402.1 431.3 389.1 385.0 381.4 467.5 356.8 344.9 301.8 306.4 102.7 2.4
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Operating Activities
Net Income 71.0 100.4 104.0 147.4 110.1 63.3 88.6 71.9 42.5 23.0 19.5 17.9 19.9 20.1 18.2 16.4 16.3 13 13.8 (1.7) 7.9
Depreciation & Amortization 14.4 14.5 16.4 16.5 14.9 14.7 12.4 12.6 8.4 5.6 5.6 5.3 8.5 8.2 8.9 6.0 6.3 8.4 7.9 1.9 0.8
Stock-Based Compensation 6.0 7.2 7.9 9.1 7.6 5.4 5.4 4.7 3.1 2.2 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (28.7) (12.0) (22.6) 79.8 (6.4) 75.7 (21.7) 12.1 (16.2) (4.0) (28.6) 25.1 (6.3) 2.6 7.6 (1.5) (7) 1.4 (5.3) (2.5) (0.3)
Other Non-Cash Items 21.4 (17.5) 15.4 (4.1) 30.2 (21.8) (0.5) (4.2) 6.9 0.8 31.2 (31.8) 32.9 (29.7) (2.1) (10.1) 26.4 (22.8) 2.2 15.6 (3.8)
Operating Cash Flow 87.2 92.2 124.3 250.4 160.0 132.7 100.2 92.6 80.1 33.4 28.0 15.6 56.1 1.7 31.1 10.6 42.8 1.7 19.1 10 5.1
Investing Activities
Capital Expenditure (7.7) (7.6) (7.7) (20.9) (42.0) (14.7) (5.1) (11.5) (48.7) (6.7) (2.1) (1.6) (0.9) (3.0) (4.0) (2.1) (1.5) (1.1) (1.5) (7.2) (4.1)
Acquisitions 2.8 (68.9) 0 38.6 0 23.5 12.4 (3.7) 0 48.7 0 0 0 0 0 (3.0) 0 0 0 0 0
Purchases of Investments (817.4) (266.8) (376.1) (328.6) (1,044.0) (398.1) (64.8) (39.7) (195.3) (16.0) (12.7) (85.7) (74.6) (79.6) (53.9) (29.3) (112.7) (311.7) (306.6) (356) (197.4)
Sales/Maturities of Investments 589.0 334.5 156.9 319.6 459.3 324.5 196.9 190.8 114.6 187.8 50.0 46.1 136.5 161.6 114.4 126.9 151.7 447.6 203.6 160.9 147.5
Other Investing Activities (942.3) 115.3 (261.0) (1,329.7) (851.1) 42.7 (311.6) (87.3) (325.8) 57.9 (182.1) (83.8) (53.8) (36.0) (164.5) (94.2) (103.6) (156.4) (104.7) (66.7) 3.3
Investing Cash Flow (1,175.6) 106.4 (488.0) (1,321.0) (1,477.8) (22.2) (172.1) 48.6 (455.2) 271.7 (146.9) (125.0) 7.1 42.9 (108.0) (1.7) (66.1) (21.6) (209.2) (269) (50.8)
Financing Activities
Net Debt Issuance 375.2 211.3 (358.6) 1,126.4 (17.3) (427.1) 79.1 58.5 47.8 (170.2) 10.1 41.9 22.5 (85.7) 120.3 (23.6) 42.8 3.5 200.5 (1.6) 53.2
Stock Repurchased (82.3) (21.5) 0 (7.4) (36.1) (14.8) (26.1) (10.8) 0 (1.9) 0 0 0 0 0 0 0 0 0 0 0
Dividends Paid (48.2) (50.9) (51.3) (47.5) (44.5) (42.9) (34.2) (29.6) (19.3) (12.6) (9.5) (9.7) (9.6) (8.9) (7.9) (7.6) (7.2) (6.5) (4.8) 0 0
Other Financing Activities 854.5 (367.7) 758.6 (57.7) 321.9 1,504.3 64.0 (146.5) 156.3 137.0 89.1 128.0 (40.4) 75.4 4.8 47.2 22.6 57.9 32.7 108 0.2
Financing Cash Flow 1,099.9 (228.7) 349.5 1,013.8 224.0 1,074.9 82.8 (128.4) 183.3 (47.7) 76.1 147.2 (44.2) (44.3) 86.5 (11.7) 23 28 186.9 256.3 53.4
Cash Position
Net Change in Cash 11.5 (30.1) (14.3) (56.8) (1,093.9) 1,185.4 10.9 12.7 (191.8) 257.4 (42.9) 37.8 19.0 0.3 9.6 (2.8) (0.3) (2.2) (3.2) (8) 7.8
Cash at Beginning 123.6 153.7 168.0 224.8 1,318.7 133.2 122.3 109.6 301.4 43.9 74.0 36.2 17.2 16.9 7.2 10.0 10.3 2.2 5.4 8 0.2
Cash at End 135.1 123.6 153.7 168.0 224.8 1,318.7 133.2 122.3 109.6 301.4 31.1 74.0 36.2 17.2 16.9 7.2 10 10.3 2.2 5.3 8.0
Free Cash Flow 79.5 84.7 116.6 229.6 117.9 117.9 95.2 81.1 31.4 26.8 25.8 14.0 55.2 (1.3) 27.1 8.5 41.3 0.6 17.6 2.8 1.0
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Income Statement
Revenue 655.6 687.9 637.0 485.3 388.8 433.8 345.0 307.3 212.3 151.5 100.5 96.1 90.6 103.9 109.5 115.4 111.5 116.2 117.5 130.2 126.9 111.7 113.3 119.3 131.1 122.2 112.6 108 101.2 83.2 42.3
Gross Profit 357.2 372.1 381.0 423.8 363.9 307.8 290.5 267.6 188.3 135.7 90.2 86.0 78.2 81.9 83.7 83.2 75.4 69.1 54.8 71.6 84.7 76.5 75.7 70.0 66.7 54.9 52.9 45.7 44.6 38.6 1.4
Operating Income 92.5 130.7 136.8 193.9 142.2 81.0 107.4 85.5 65.3 35.2 31.2 30.5 24.9 30.9 32.2 30.8 24.8 21.6 0.9 19.2 29.8 27.7 30.8 29.9 29.3 23.2 25 20.2 21.5 (0.6) 12.6
Net Income 71.0 100.1 104.0 146.6 110.1 63.3 88.6 71.9 42.5 23.0 20.3 19.9 16.3 20.0 20.7 20.4 15.7 14.8 1.1 12.6 19.5 17.9 19.9 20.1 18.2 16.4 16.3 13 13.8 (1.7) 7.9
EPS (Diluted) 1.17 1.65 1.70 2.42 1.78 1.02 1.75 1.51 1.28 0.98 1.21 1.19 0.95 1.12 1.14 1.12 0.98 1.26 0.09 1.07 1.60 1.42 1.53 1.47 1.23 1.03 0.89 0.63 0.54 -0.26 0.29
Balance Sheet
Cash & Equivalents 135.1 123.6 153.7 167.9 204.9 1,272.1 120.5 120.8 109.6 301.4 23.0 18.5 74.0 36.2 17.2 16.9 7.2 10 10.3 2.2 5.4 8.0
Total Assets 14,564.3 13,421.2 13,538.3 13,103.9 11,739.6 11,448.3 8,246.1 7,516.2 5,416.0 5,167.1 2,030.0 1,857.9 1,914.3 1,717.4 1,743.7 1,763.7 1,640.2 1,590.9 1,561.7 1,510.9 1,303.9 1,036.4
Total Debt 1,634.7 1,259.6 1,048.0 1,477.6 349.8 363.9 687.8 610.7 424.9 377.0 425.1 449.8 463.1 421.1 398.6 484.3 364.0 354.9 312.1 308.6 108.1 10.4
Stockholders' Equity 1,662.5 1,701.7 1,661.2 1,584.7 1,516.6 1,484.1 1,153.1 1,039.4 601.9 572.0 183.5 119.8 138.0 134.7 135.3 146.7 157.7 167.5 197.7 215.5 252.8 92.4
Cash Flow
Operating Cash Flow 87.2 92.2 124.3 250.4 160.0 132.7 100.2 92.6 80.1 33.4 28.0 15.6 56.1 1.7 31.1 10.6 42.8 1.7 19.1 10 5.1
Capital Expenditure (7.7) (7.6) (7.7) (20.9) (42.0) (14.7) (5.1) (11.5) (48.7) (6.7) (2.1) (1.6) (0.9) (3.0) (4.0) (2.1) (1.5) (1.1) (1.5) (7.2) (4.1)
Free Cash Flow 79.5 84.7 116.6 229.6 117.9 117.9 95.2 81.1 31.4 26.8 25.8 14.0 55.2 (1.3) 27.1 8.5 41.3 0.6 17.6 2.8 1.0