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
Return on Common Equity (%)	11.46	10.39	8.06	9.38	9.08	9.85	16.66	24.94	26.65	16.59	25.81	28.98	17.63	15.55	10.57
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 (%)	6.6	5.94	4	5.5	5.2	4.46	9.09	14.69	16.35	5.53	15.96	20.23	9.31	8.01	3.49

Credit (USD)

API Chat

	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
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	8.12	8.75	9.18	9.25	8.85	4.62	5.01	4.07	4.36	3.31	3.77	4.13	4.38	4.79	4.55
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 (%)	57.78	55.99	49.51	60.41	60.19	56.28	55.99	64.24	63.17	38.33	34.1	72.19	62.14	65.08	70.44
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 (%)	63.19	55.99	49.51	60.41	60.19	56.28	55.99	64.24	63.17	38.33	34.1	72.19	62.14	65.08	70.44
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 (%)	56.56	48.91	44.94	57.63	56.9	2.33	46.47	58.35	57.98	157.6	5.18	69.56	57.93	62.48	68.49
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)

API Chat

	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
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.12	8.75	9.18	9.25	8.85	4.62	5.01	4.07	4.36	3.31	3.77	4.13	4.38	4.79	4.55
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 (%)	57.78	55.99	49.51	60.41	60.19	56.28	55.99	64.24	63.17	38.33	34.1	72.19	62.14	65.08	70.44
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 (%)	63.19	55.99	49.51	60.41	60.19	56.28	55.99	64.24	63.17	38.33	34.1	72.19	62.14	65.08	70.44
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	0.2	0.21	0.22	0.22	0.22	0.16	0.19	0.17	0.19	0.14	0.15	0.15	0.14	0.15	0.14

Working Capital (USD)

API Chat

	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
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)

API Chat

	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
Market Capitalization	153	162	201	202	242	520	645	825	1,033	936	1,143	1,120	964	1,043	1,031
- 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	231	-195	325	479	515	505	799	1,152	1,377	-284	599	1,902	1,032	1,293	1,244
Total Capital	508	451	409	551	576	546	617	854	975	614	672	1,948	1,569	1,842	2,244
Total Debt/Capital (%)	63.19	55.99	49.51	60.41	60.19	56.28	55.99	64.24	63.17	38.33	34.1	72.19	62.14	65.08	70.44
Total Debt / EV	1.39	-1.29	0.62	0.69	0.67	0.61	0.43	0.48	0.45	-0.83	0.38	0.74	0.94	0.93	1.27
EV/Sales	2.53	- -	4.02	5.41	5.63	3.65	4.15	4.25	4.71	- -	1.7	4.41	2.59	3.4	3.11
EV/EBITDA	53.63	- -	77.14	121.79	143.03	90.64	94.87	91.36	110.8	- -	40.24	115.41	62.95	88.87	86.31
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	13.16	- -	9.17	17.36	18.18	15.09	9.98	12.45	13.74	- -	3.74	7.59	8.31	14.01	14.26
EV/Free Cash Flow to Firm	11.68	- -	8.19	15.18	15.98	12.58	6.21	11.08	13.08	- -	2.96	7.01	7.82	12.95	13.11
Diluted Market Cap	153	163	202	203	245	529	666	841	1,045	938	1,148	1,123	965	1,044	1,031
Diluted Enterprise Value	397	353	370	500	548	535	901	1,269	1,540	-98	1,172	2,362	1,786	2,120	2,476
EV per Share	12.7	- -	19.06	28.7	31.03	21.85	24.9	24.64	27.46	- -	10.08	32.38	17.51	22.17	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)

API Chat

	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
Price/Free Cash Flow	7.75	4.87	5.07	6.45	7.61	13.2	5.17	8.08	9.92	6.37	5.68	4.14	7.31	10.46	10.86
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	231	-195	325	479	515	505	799	1,152	1,377	-284	599	1,902	1,032	1,293	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	2.53	- -	4.02	5.41	5.63	3.65	4.15	4.25	4.71	- -	1.7	4.41	2.59	3.4	3.11
EV/EBITDA	53.63	- -	77.14	121.79	143.03	90.64	94.87	91.36	110.8	- -	40.24	115.41	62.95	88.87	86.31
Price/Earnings	7.37	8.1	12.28	10.14	11.91	22.55	15.2	11.47	11.66	15.29	10.78	7.85	9.64	10.86	14.94
Price/Earnings Average	7.23	8.12	11.15	9.81	10.47	14.49	15.71	13.8	10.83	13.89	10.3	7.57	9.35	9.93	14.77
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	0.82	0.82	0.97	0.93	1.05	2.18	2.38	2.7	2.88	2.47	2.58	2.07	1.63	1.62	1.55
Price/Book Value Average	0.8	0.82	0.88	0.9	0.93	1.4	2.46	3.25	2.67	2.24	2.47	1.99	1.58	1.49	1.54
Price/Book Value High	1.43	1.34	1.56	1.49	1.52	2.95	3.63	4.73	3.64	4.04	3.46	2.63	2.48	1.98	1.78
Price/Book Value Low	1.05	1.11	1.04	1.07	1.16	1.55	2.84	3.26	2.86	1.83	2.42	1.98	1.19	1.27	1.24
Price/Tangible Book Value	0.72	0.74	0.94	0.93	1.02	1.25	1.46	1.21	1.35	0.97	1.15	1.05	0.84	0.89	0.91
Price/Tangible Book Value Average	0.71	0.74	0.85	0.9	0.9	0.8	1.51	1.45	1.26	0.89	1.09	1.01	0.82	0.82	0.9
Price/Tangible Book Value High	1.26	1.21	1.5	1.49	1.47	1.69	2.23	2.11	1.72	1.59	1.53	1.34	1.28	1.09	1.04
Price/Tangible Book Value Low	0.92	1	1	1.07	1.12	0.89	1.74	1.46	1.35	0.72	1.08	1.01	0.62	0.7	0.72
Price/Sales	1.67	1.81	2.48	2.28	2.65	3.76	3.35	3.04	3.54	2.55	3.25	2.59	2.42	2.75	2.57
Price/Sales Average	1.64	1.81	2.25	2.21	2.33	2.41	3.46	3.66	3.28	2.32	3.1	2.5	2.34	2.51	2.54
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	8.71	5.25	5.66	7.33	8.54	15.55	8.06	8.91	10.3	7.06	7.14	4.47	7.76	11.31	11.82
Price/Cash Flow Average	8.55	5.26	5.14	7.09	7.51	9.99	8.33	10.72	9.57	6.41	6.83	4.31	7.52	10.34	11.68
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	7.6	4.88	4.61	6.24	6.69	8.48	5.34	9.72	9.22	5.78	5.43	3.99	7.08	9.56	10.73
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	4.3	3.93	4.33	5.56	5.64	2.45	4.69	5.24	4.98	- -	3.17	5.37	4.41	5.35	6.15
EV/Sales High	5.59	5.08	6.06	7.02	7.13	5.13	6.34	6.91	6.18	1.34	4.42	6.17	5.75	6.19	6.57
EV/Sales Low	4.81	4.57	4.73	5.97	6.22	2.71	5.22	5.25	5.21	- -	3.12	5.35	3.84	4.99	5.66
EV/EBITDA Average	91.36	82.78	83.16	125.15	143.22	61	107.15	112.61	117.04	-12.67	75.04	140.69	107.1	139.6	170.94
EV/EBITDA High	118.57	107.05	116.4	158.07	180.93	127.52	144.95	148.51	145.14	33.43	104.45	161.65	139.71	161.68	182.36
EV/EBITDA Low	102.06	96.35	90.85	134.6	157.93	67.32	119.49	112.91	122.42	-23.19	73.72	140.23	93.28	130.25	157.19
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	8.4	9.15	11.75	12.11	14.58	22.5	20.1	17.64	20.59	15.62	19.24	19.07	16.36	17.9	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	393	353	351	492	516	340	903	1,421	1,455	-187	1,117	2,318	1,757	2,030	2,464
Enterprise Value High	511	456	491	622	652	710	1,221	1,873	1,804	492	1,554	2,664	2,291	2,351	2,629
Enterprise Value Low	440	410	383	529	569	375	1,007	1,424	1,522	-342	1,097	2,311	1,530	1,894	2,266

	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
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	13.35	34.4	4.56	3.35	4.45	13.95	5.95	4.74	5.41	24.29	13.02	10.65	15.4	16.32	23.81
Book Value per Share	10.28	11.19	12.1	13.07	13.82	10.33	8.45	6.53	7.16	6.32	7.46	9.21	10.06	11.02	11.55
Tangible Book Value per Share	11.65	12.4	12.56	13.08	14.24	18.01	13.78	14.62	15.21	16.02	16.8	18.15	19.45	20.01	19.78

OceanFirst Financial Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)