Market Price

27.85 

0.00 0.0%

as of Apr 12 '21

52 Week Range:

24.50 27.85


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A. that provides community banking services. The company accepts money market accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing demand deposits, and time deposits to retail, government, and business customers. It also offers commercial real estate, multi-family, land loans, construction, and commercial and industrial loans; fixed-rate and adjustable-rate mortgage loans that are secured by one-to-four family residences; consumer loans, such as home equity loans and lines of credit, student loans, overdraft line of credit, loans on savings accounts, and other consumer loans; and commercial and industrial loans, and lines of credit. In addition, the company invests in mortgage-backed securities, securities issued by the U.S. Government and agencies, corporate securities, and other investments. Further, it offers bankcard, wealth management, and trust and asset management services; and sells alternative investment products and life insurance products. As of December 31, 2020, the company operated through its branch office in Toms River; administrative/branch office located in Red Bank; 61 additional branch offices and six deposit production facilities located throughout central and southern New Jersey; and commercial loan production offices in New York City, the Philadelphia area, as well as Atlantic, and Mercer Counties in New Jersey. OceanFirst Financial Corp. was founded in 1902 and is based in Red Bank, New Jersey.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Earnings BIT 85.50
107.36
81.04
growth rate 25.6% -24.5%
ROA 0.95
0.91
0.88
0.72
0.86
0.82
0.59
0.80
1.11
1.12
0.62
growth rate -4.2% -3.3% -18.2% 19.4% -4.7% -28.1% 35.6% 38.8% 0.9% -44.6%
ROE 10.59
9.92
9.17
7.52
9.21
8.90
5.69
7.24
8.77
8.08
4.64
growth rate -6.3% -7.6% -18.0% 22.5% -3.4% -36.1% 27.2% 21.1% -7.9% -42.6%
Leverage 11.19
10.62
10.32
10.50
10.80
10.87
9.03
9.00
7.23
7.15
7.71
growth rate -5.1% -2.8% 1.7% 2.9% 0.7% -16.9% -0.3% -19.7% -1.1% 7.8%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 19.69
21.67
35.27
growth rate 10.1% 62.7%
Acct.Payable 4,342.80
5,814.57
6,328.78
9,427.62
growth rate 33.9% 8.8% 49.0%
Cur.Assets 136.34
120.79
120.54
1,272.13
growth rate -11.4% -0.2% 955.3%
Total Assets 5,416.01
7,516.15
8,246.15
11,448.31
growth rate 38.8% 9.7% 38.8%
Cash 109.61
120.79
182.90
1,272.13
growth rate 10.2% 51.4% 595.5%
Inventory 8.19
1.38
0.26
0.11
growth rate -83.1% -80.9% -59.9%
Cur.Liabilities 4,452.47
61.76
71.74
128.45
growth rate -98.6% 16.2% 79.1%
Liabilities 4,814.07
6,476.80
7,093.03
9,964.18
growth rate 34.5% 9.5% 40.5%
LT Debt 315.21
99.53
96.80
233.37
growth rate -68.4% -2.7% 141.1%
Equity 601.94
1,039.36
1,153.12
1,484.13
growth rate 72.7% 11.0% 28.7%
Common Shares 0.34
47.95
50.41
60.39
growth rate 14,171.2% 5.1% 19.8%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 48.70
11.49
5.08
14.73
growth rate -76.4% -55.8% 190.2%
Cash Dividends 19.29
-29.56
-34.24
-42.92
growth rate -100.0% 0.0% 0.0%
Cash From OA 80.13
92.55
100.25
132.66
growth rate 15.5% 8.3% 32.3%
Sale Purchase of Stock -10.84
-24.73
growth rate 0.0%
FCF 37.00
15.00
28.00
31.00
24.00
25.00
26.00
31.00
81.00
95.00
118.00
growth rate -59.5% 86.7% 10.7% -22.6% 4.2% 4.0% 19.2% 161.3% 17.3% 24.2%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 191.85
271.84
296.50
327.47
growth rate 41.7% 9.1% 10.5%
Op.Income 84.43
85.50
107.36
81.04
growth rate 1.3% 25.6% -24.5%
IBT 65.33
85.50
107.36
81.04
growth rate 30.9% 25.6% -24.5%
Net Income 42.47
71.93
88.57
63.31
growth rate 69.4% 23.1% -28.5%
Gross Profit 191.85
271.84
296.50
327.47
growth rate 41.7% 9.1% 10.5%

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT 26.11
20.60
24.54
-7.27
43.17
growth rate -21.1% 19.1% -100.0% 100.0%
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Receivable 21.67
7,941.47
8,373.29
40.67
35.27
growth rate 36,540.5% 5.4% -99.5% -13.3%
Acct.Payable 6,328.78
7,892.07
8,967.75
9,283.29
9,427.62
growth rate 24.7% 13.6% 3.5% 1.6%
Cur.Assets 120.54
270.88
734.88
1,044.72
1,272.13
growth rate 124.7% 171.3% 42.2% 21.8%
Total Assets 8,246.15
10,489.07
11,345.36
11,651.30
11,448.31
growth rate 27.2% 8.2% 2.7% -1.7%
Cash 182.90
337.48
789.14
980.87
1,272.13
growth rate 84.5% 133.8% 24.3% 29.7%
Inventory 0.26
0.48
0.25
0.11
0.11
growth rate 83.3% -48.8% -57.3% 0.0%
Cur.Liabilities 71.74
90.18
152.82
142.82
128.45
growth rate 25.7% 69.5% -6.5% -10.1%
Liabilities 7,093.03
9,079.24
9,868.93
10,189.58
9,964.18
growth rate 28.0% 8.7% 3.3% -2.2%
LT Debt 96.80
120.21
246.84
246.94
233.37
growth rate 24.2% 105.3% 0.0% -5.5%
Equity 1,153.12
1,409.83
1,476.43
1,461.71
1,484.13
growth rate 22.3% 4.7% -1.0% 1.5%
Common Shares 50.41
60.31
60.34
60.38
60.39
growth rate 19.7% 0.1% 0.1% 0.0%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 1.83
1.80
1.80
5.42
5.71
growth rate -1.8% -0.2% 202.0% 5.4%
Cash Dividends -8.30
-10.27
-10.22
-11.23
-11.19
growth rate 0.0% 0.0% 0.0% 0.0%
Cash From OA 18.27
63.70
17.56
46.28
5.12
growth rate 248.7% -72.4% 163.5% -88.9%
Sale Purchase of Stock -7.82
-14.16
55.93
0.00
growth rate 0.0% 100.0% -100.0%
FCF 16.44
61.90
15.77
40.86
-0.60
growth rate 276.6% -74.5% 159.2% -100.0%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 74.23
83.37
80.45
49.25
114.40
growth rate 12.3% -3.5% -38.8% 132.3%
Op.Income 26.11
20.60
24.54
-7.27
43.17
growth rate -21.1% 19.1% -100.0% 100.0%
IBT 26.63
20.58
24.52
-7.53
43.48
growth rate -22.7% 19.1% -100.0% 100.0%
Net Income 23.45
16.53
18.64
-4.93
33.06
growth rate -29.5% 12.7% -100.0% 100.0%
Gross Profit 74.23
83.37
80.45
49.25
114.40
growth rate 12.3% -3.5% -38.8% 132.3%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (63.55)

YOY Growth Grade:

C (54.54)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

Current EPS is undefined, therefore value price cannot be calculated.

PE and EPS

Historical Current Forward
PE
EPS / Growth

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 27.8%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 27.8% 27.8% 27.8%
Future PE 0.01 0.01 18.52
Future EPS 0.00 0.00 0.00
Value Price
MOS %
0.00
-100.0%
0.00
-100.0%
0.00
-100.0%
MOS Price 0.00 0.00 0.00
IRT

Graham Number:

Current EPS is undefined, therefore Graham Number cannot be calculated.
NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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