OceanFirst Financial Corp. Financial Ratios — OCFC Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	9.92	9.17	7.52	9.21	8.9	5.69	7.24	8.77	8.08	4.64	7.07	9.2	6.16	5.71	4.1
Return on Assets (%)	0.91	0.88	0.72	0.86	0.82	0.59	0.8	1.11	1.12	0.64	0.95	1.18	0.78	0.74	0.51
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.71	4.74	5.21	4.44	3.94	4.02	4.37	4.65	4.25	4.01	4.23	3.82	4.11	3.83	3.6
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	35.23	34.47	30.81	34.47	34.13	25.45	33.89	31.54	36.74	22.07	40.4	44.93	34.3	34.4	23.11
Profit Margin (%)	22.68	22.3	20.17	22.49	22.22	16.66	22.04	26.53	30.31	17.24	31.26	33.97	26.09	26.35	17.73
Net Income to Common Margin (%)	22.68	22.3	20.17	22.49	22.22	16.66	22.04	26.53	30.31	16.67	30.12	33.04	25.08	25.29	17.23
Effective Tax Rate (%)	35.61	35.31	34.53	34.75	34.88	34.53	34.99	15.87	17.5	21.88	22.61	24.01	23.91	23.16	23.23
Dvd Payout Ratio (%)	42.38	42.85	50.45	41.37	42.78	54.74	45.41	41.1	38.66	66.69	38.18	30.18	47.22	48.46	66.95
Sustainable Growth Rate (%)	5.72	5.24	3.73	5.4	5.09	2.57	3.95	5.16	4.96	1.55	4.37	6.42	3.25	2.94	1.36

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	321	252	202	333	347	307	345	549	616	235	229	1,407	975	1,199	1,580
ST Debt	28	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	294	252	202	333	347	307	345	549	616	235	229	1,407	975	1,199	1,580
Total Debt/EBITDA	74.53	59.29	48.02	84.62	96.33	55.17	40.96	43.51	49.55	15.98	15.4	85.36	59.44	82.44	109.64
Net Debt/EBITDA	56.53	44.6	39.97	75.44	84.13	1.02	27.96	33.94	39.86	-70.37	1.63	75.17	49.98	73.84	100.18
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.42	9.69	9.53	9.26	9.2	11.07	11.11	13.83	13.98	12.96	12.92	12.09	12.27	12.68	11.42
Long-Term Debt/Equity (%)	135.35	114.88	94.47	152.45	145.48	53.69	57.35	52.81	53.43	15.87	15.11	88.72	58.66	70.42	95.05
Long-Term Debt/Capital (%)	54.57	53.46	48.58	60.39	59.26	34.93	36.45	34.56	34.82	13.69	13.13	47.01	36.97	41.32	48.73
Long-Term Debt/Total Assets (%)	12.75	11.13	9	14.12	13.38	5.94	6.37	7.3	7.47	2.06	1.95	10.73	7.2	8.93	10.85
Total Debt/Equity (%)	148.03	114.88	94.47	152.45	145.48	53.69	57.35	52.81	53.43	15.87	15.11	88.72	58.66	70.42	95.05
Total Debt/Capital (%)	59.68	53.46	48.58	60.39	59.26	34.93	36.45	34.56	34.82	13.69	13.13	47.01	36.97	41.32	48.73
Total Debt/Total Assets (%)	13.94	11.13	9	14.12	13.38	5.94	6.37	7.3	7.47	2.06	1.95	10.73	7.2	8.93	10.85
Net Debt to Equity	112.28	86.43	78.63	135.9	127.05	0.99	39.14	41.19	42.97	-69.85	1.6	78.12	49.32	63.07	86.86
Net Debt/Capital (%)	52.89	46.36	44.02	57.61	55.96	0.98	28.13	29.17	30.06	-231.67	1.57	43.86	33.01	38.66	46.47
EBITDA	4	4	4	4	4	6	8	13	12	15	15	16	16	15	14
EBITDA-CapEx	2	2	- -	- -	- -	-1	-40	1	7	- -	-27	-4	9	7	7
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.42	9.69	9.53	9.26	9.2	11.07	11.11	13.83	13.98	12.96	12.92	12.09	12.27	12.68	11.42
Long-Term Debt/Equity (%)	135.35	114.88	94.47	152.45	145.48	53.69	57.35	52.81	53.43	15.87	15.11	88.72	58.66	70.42	95.05
Long-Term Debt/Capital (%)	54.57	53.46	48.58	60.39	59.26	34.93	36.45	34.56	34.82	13.69	13.13	47.01	36.97	41.32	48.73
Long-Term Debt/Total Assets (%)	12.75	11.13	9	14.12	13.38	5.94	6.37	7.3	7.47	2.06	1.95	10.73	7.2	8.93	10.85
Total Debt/Equity (%)	148.03	114.88	94.47	152.45	145.48	53.69	57.35	52.81	53.43	15.87	15.11	88.72	58.66	70.42	95.05
Total Debt/Capital (%)	59.68	53.46	48.58	60.39	59.26	34.93	36.45	34.56	34.82	13.69	13.13	47.01	36.97	41.32	48.73
Total Debt/Total Assets (%)	13.94	11.13	9	14.12	13.38	5.94	6.37	7.3	7.47	2.06	1.95	10.73	7.2	8.93	10.85
CFO/Total Liabilities	0.84	1.51	1.74	1.29	1.2	0.73	1.66	1.43	1.41	1.33	1.56	2.17	1.05	0.79	0.68
CFO/CapEx	7.88	11.88	8.28	6.95	7.28	5.01	1.65	8.06	19.75	9.01	3.81	11.99	16.12	12.19	11.33
Altman's Z-Score	0.22	0.23	0.25	0.25	0.25	0.22	0.22	0.2	0.21	0.15	0.16	0.16	0.15	0.15	0.14

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	28.43	14.47	14.26	16.27	16.09	15.5	14.69	15.98	14.13	12.9	10.37	11.17	8.26	7.77	8.44
Days Sales Outstanding	12.84	25.22	25.6	22.43	22.68	23.55	24.85	22.85	25.84	28.3	35.18	32.69	44.21	46.99	43.27
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	244	246	298	290	346	965	856	1,079	1,287	1,125	1,314	1,257	1,032	1,060	1,030
- Cash & Cash Equivalents	78	63	34	36	44	301	110	121	121	1,272	205	168	154	124	135
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1	- -
+ Total Debt	321	252	202	333	347	307	345	549	616	235	229	1,407	975	1,199	1,580
Enterprise Value	322	-111	423	567	619	950	1,010	1,407	1,632	-95	770	2,039	1,100	1,309	1,244
Total Capital	538	472	417	551	585	879	947	1,588	1,769	1,720	1,746	2,992	2,637	2,902	3,243
Total Debt/Capital (%)	59.68	53.46	48.58	60.39	59.26	34.93	36.45	34.56	34.82	13.69	13.13	47.01	36.97	41.32	48.73
Total Debt / EV	1	-2.27	0.48	0.59	0.56	0.32	0.34	0.39	0.38	-2.48	0.3	0.69	0.89	0.92	1.27
EV/Sales	3.53	- -	5.22	6.4	6.77	6.87	5.24	5.19	5.59	- -	2.19	4.72	2.76	3.45	3.11
EV/EBITDA	74.85	- -	100.2	144.08	171.98	170.68	119.82	111.52	131.27	- -	51.72	123.72	67.07	89.99	86.27
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	18.37	- -	11.92	20.54	21.86	28.42	12.6	15.2	16.28	- -	4.81	8.14	8.85	14.19	14.26
EV/Free Cash Flow to Firm	16.3	- -	10.63	17.96	19.22	23.69	7.84	13.52	15.49	- -	3.81	7.51	8.34	13.11	13.1
Diluted Market Cap	238	245	294	288	337	706	870	1,073	1,296	1,119	1,324	1,251	1,023	1,055	1,031
Diluted Enterprise Value	482	435	462	585	640	712	1,105	1,501	1,792	82	1,348	2,491	1,845	2,132	2,476
EV per Share	17.26	- -	24.3	33.52	35.82	29.56	30.97	29.34	32.38	- -	13.01	34.47	18.5	22.35	21.67
TTM Sales	91	90	81	89	91	138	193	271	292	367	352	432	399	380	400
TTM EBITDA	4	4	4	4	4	6	8	13	12	15	15	16	16	15	14
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	18	31	35	28	28	33	80	93	100	133	160	250	124	92	87
TTM Free Cash Flow to Firm	20	33	40	32	32	40	129	104	105	147	202	271	132	100	95

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	12.05	7.32	7.4	9.12	10.45	17.62	6.75	10.31	12.31	7.59	6.56	4.61	7.76	10.57	10.86
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	322	-111	423	567	619	950	1,010	1,407	1,632	-95	770	2,039	1,100	1,309	1,244
Low Price	10.78	12.43	12.57	13.94	16.01	15.98	24.02	21.3	20.46	11.6	18.06	18.24	12.01	14.03	14.29
EV/Sales	3.53	- -	5.22	6.4	6.77	6.87	5.24	5.19	5.59	- -	2.19	4.72	2.76	3.45	3.11
EV/EBITDA	74.85	- -	100.2	144.08	171.98	170.68	119.82	111.52	131.27	- -	51.72	123.72	67.07	89.99	86.27
Price/Earnings	11.46	12.18	17.91	14.36	16.36	30.09	19.85	14.64	14.47	18.24	12.43	8.75	10.23	10.99	14.94
Price/Earnings Average	11.44	12.4	16.45	14.08	14.56	19.57	20.74	17.8	13.62	16.91	12.07	8.57	10.18	10.25	14.79
Price/Earnings High	12.88	13.28	19.74	16.31	17.15	30.55	23.21	20.09	14.78	24.98	14.43	9.99	14.69	13.27	17.16
Price/Earnings Low	9.45	11.01	13.14	11.68	13.08	16.01	18.16	13.85	11.59	11.35	10.12	7.51	7.08	8.52	11.9
Price/Book Value	1.13	1.12	1.39	1.33	1.45	1.69	1.42	1.04	1.12	0.76	0.87	0.79	0.62	0.62	0.62
Price/Book Value Average	1.12	1.14	1.28	1.3	1.29	1.1	1.49	1.26	1.05	0.7	0.84	0.78	0.62	0.58	0.61
Price/Book Value High	1.27	1.22	1.53	1.51	1.52	1.71	1.66	1.43	1.14	1.04	1.01	0.91	0.89	0.75	0.71
Price/Book Value Low	0.93	1.01	1.02	1.08	1.16	0.9	1.3	0.98	0.89	0.47	0.7	0.68	0.43	0.48	0.49
Price/Tangible Book Value	1.15	1.12	1.39	1.33	1.46	2.32	1.93	1.58	1.69	1.17	1.32	1.18	0.9	0.91	0.91
Price/Tangible Book Value Average	1.15	1.14	1.28	1.3	1.3	1.51	2.02	1.92	1.59	1.09	1.28	1.16	0.9	0.85	0.9
Price/Tangible Book Value High	1.29	1.22	1.53	1.51	1.54	2.36	2.26	2.17	1.72	1.61	1.53	1.35	1.29	1.1	1.04
Price/Tangible Book Value Low	0.95	1.01	1.02	1.08	1.17	1.23	1.77	1.49	1.35	0.73	1.07	1.01	0.62	0.7	0.72
Price/Sales	2.6	2.72	3.61	3.23	3.64	5.01	4.37	3.88	4.39	3.04	3.75	2.89	2.57	2.78	2.57
Price/Sales Average	2.6	2.77	3.32	3.17	3.24	3.26	4.57	4.72	4.13	2.82	3.63	2.83	2.55	2.59	2.55
Price/Sales High	2.92	2.96	3.98	3.67	3.81	5.09	5.12	5.33	4.48	4.16	4.35	3.3	3.69	3.36	2.96
Price/Sales Low	2.14	2.45	2.65	2.63	2.91	2.67	4	3.67	3.51	1.89	3.05	2.48	1.78	2.15	2.05
Price/Cash Flow	13.55	7.89	8.25	10.37	11.74	20.75	10.52	11.38	12.78	8.41	8.24	4.98	8.24	11.44	11.82
Price/Cash Flow Average	13.52	8.04	7.58	10.17	10.44	13.49	10.99	13.84	12.03	7.8	8	4.88	8.2	10.68	11.7
Price/Cash Flow High	15.23	8.61	9.09	11.78	12.3	21.07	12.3	15.62	13.06	11.53	9.57	5.69	11.83	13.82	13.57
Price/Cash Flow Low	11.17	7.13	6.05	8.43	9.38	11.04	9.63	10.76	10.24	5.24	6.71	4.28	5.7	8.87	9.41
Price/Free Cash Flow Average	12.03	7.45	6.79	8.95	9.3	11.46	7.05	12.54	11.58	7.04	6.36	4.52	7.72	9.87	10.75
Price/Free Cash Flow High	13.55	7.99	8.15	10.37	10.96	17.89	7.89	14.15	12.57	10.4	7.61	5.26	11.14	12.77	12.47
Price/Free Cash Flow Low	9.94	6.62	5.43	7.42	8.35	9.38	6.18	9.76	9.86	4.73	5.33	3.96	5.37	8.19	8.65
EV/Sales Average	5.33	4.91	5.46	6.56	6.68	4.58	5.86	6.42	5.84	0.02	3.69	5.72	4.64	5.44	6.16
EV/Sales High	5.66	5.11	6.14	7.06	7.28	7.12	6.41	7.04	6.2	1.37	4.4	6.19	5.78	6.21	6.56
EV/Sales Low	4.87	4.59	4.78	6.01	6.34	3.75	5.29	5.35	5.23	- -	3.1	5.37	3.85	5	5.66
EV/EBITDA Average	113.12	103.43	104.85	147.68	169.69	113.79	134.03	138.02	137.34	0.45	87.29	149.93	112.74	142.04	171
EV/EBITDA High	120.25	107.63	117.81	159.13	184.94	177.06	146.71	151.39	145.64	34.25	104.05	162.26	140.47	162.07	182.32
EV/EBITDA Low	103.29	96.83	91.79	135.36	160.98	93.29	120.87	114.9	122.81	-22.82	73.44	140.69	93.64	130.5	157.16
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	13.07	13.75	17.13	17.14	20.03	30.03	26.25	22.51	25.54	18.63	22.2	21.25	17.36	18.1	17.95
High Price	14.69	15	18.88	19.47	21	30.49	30.7	30.9	26.09	25.52	25.76	24.25	24.93	21.87	20.61
Enterprise Value Average	487	441	442	581	611	633	1,129	1,741	1,707	7	1,299	2,471	1,849	2,066	2,465
Enterprise Value High	518	458	497	626	666	986	1,236	1,910	1,811	505	1,549	2,674	2,304	2,357	2,628
Enterprise Value Low	445	412	387	532	580	519	1,019	1,449	1,527	-336	1,093	2,318	1,536	1,898	2,265

Shares Outstanding	19	18	17	17	17	32	33	48	50	60	59	59	59	59	57
Diluted Weighted Avg Shares	18	18	17	17	17	24	33	48	51	60	60	59	59	58	57
Basic Weighted Avg Shares	18	18	17	17	17	23	32	47	50	60	59	59	59	58	57
Revenue per Share	5.03	5.06	4.74	5.31	5.51	5.99	6	5.8	5.82	6.13	5.93	7.35	6.76	6.52	6.97
EBITDA per Share	0.24	0.24	0.25	0.24	0.22	0.24	0.26	0.27	0.25	0.25	0.25	0.28	0.28	0.25	0.25
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.14	1.13	0.96	1.19	1.22	1	1.32	1.54	1.77	1.02	1.79	2.43	1.7	1.65	1.2
Basic EPS from Cont Ops	1.14	1.13	0.96	1.19	1.22	1	1.32	1.54	1.77	1.06	1.85	2.51	1.77	1.72	1.24
Diluted EPS, GAAP	1.14	1.12	0.95	1.19	1.21	0.98	1.28	1.51	1.75	1.02	1.78	2.42	1.7	1.65	1.2
Diluted EPS from Cont Ops	1.14	1.12	0.95	1.19	1.21	0.98	1.28	1.51	1.75	1.05	1.85	2.5	1.77	1.72	1.24
Dividend per Share	0.48	0.48	0.48	0.49	0.52	0.55	0.6	0.63	0.68	0.72	0.75	0.81	0.87	0.87	0.84
Cash Flow per Share	0.96	1.74	2.08	1.65	1.71	1.45	2.5	1.98	2	2.21	2.69	4.26	2.11	1.58	1.52
Free Cash Flow per Basic Share	0.84	1.6	1.83	1.41	1.47	1.16	0.98	1.73	1.9	1.97	1.99	3.91	1.98	1.45	1.38
Cash & Equivalents per Share	13	34.09	4.47	3.31	4.27	10.02	5.87	4.62	5.39	24.1	13.07	10.58	15.27	16.24	23.82
Book Value per Share	11.61	12.28	12.33	12.91	13.79	17.8	18.47	21.68	22.88	24.57	25.63	26.79	27.94	29.06	28.97
Tangible Book Value per Share	11.35	12.28	12.33	12.91	13.67	12.94	13.58	14.26	15.13	15.9	16.87	18.01	19.27	19.91	19.79

OceanFirst Financial Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)