OceanFirst Financial Corp. Financial Ratios — OCFCP Stock

Profitability (USD)

	2010 Y	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
As of date	12/31/2010	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

Return on Common Equity (%)	12.04	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
Return on Assets (%)	0.95	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
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 (%)	4.58	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
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	33.76	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
Profit Margin (%)	22.35	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
Net Income to Common Margin (%)	22.35	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
Effective Tax Rate (%)	33.79	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
Dvd Payout Ratio (%)	43.01	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
Sustainable Growth Rate (%)	6.86	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

Credit (USD)

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	2010 Y	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
As of date	12/31/2010	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

Total Debt	292	321	252	202	333	347	307	345	549	616	235	229	1,407	975	1,199
ST Debt	28	28	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	265	294	252	202	333	347	307	345	549	616	235	229	1,407	975	1,199
Total Debt/EBITDA	70.11	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
Net Debt/EBITDA	62.57	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
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.77	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
Long-Term Debt/Equity (%)	131.68	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
Long-Term Debt/Capital (%)	56.68	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
Long-Term Debt/Total Assets (%)	11.77	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
Total Debt/Equity (%)	145.34	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
Total Debt/Capital (%)	62.57	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
Total Debt/Total Assets (%)	12.99	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
Net Debt to Equity	129.71	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
Net Debt/Capital (%)	59.86	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
EBITDA	4	4	4	4	4	4	6	8	13	12	15	15	16	16	15
EBITDA-CapEx	2	2	2	- -	- -	- -	-1	-40	1	7	- -	-27	-4	9	7
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2010 Y	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
As of date	12/31/2010	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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.77	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
Long-Term Debt/Equity (%)	131.68	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
Long-Term Debt/Capital (%)	56.68	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
Long-Term Debt/Total Assets (%)	11.77	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
Total Debt/Equity (%)	145.34	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
Total Debt/Capital (%)	62.57	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
Total Debt/Total Assets (%)	12.99	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
CFO/Total Liabilities	1.95	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
CFO/CapEx	15.58	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
Altman's Z-Score	0.15	0.15	0.16	0.16	0.17	0.16	0.09	0.11	0.1	0.1	0.08	0.09	0.09	0.09	0.1

Working Capital (USD)

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	2010 Y	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
As of date	12/31/2010	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

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
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
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 ChatGPT

	2010 Y	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
As of date	12/31/2010	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

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	31	78	63	34	36	44	301	110	121	121	1,272	205	168	154	124
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1
+ Total Debt	292	321	252	202	333	347	307	345	549	616	235	229	1,407	975	1,199
Enterprise Value	261	78	-357	125	277	273	-15	154	327	345	-1,220	-544	782	68	249
Total Capital	468	508	451	409	551	576	546	617	854	975	614	672	1,948	1,569	1,842
Total Debt/Capital (%)	62.57	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
Total Debt / EV	1.12	4.11	-0.71	1.62	1.2	1.27	-20.35	2.24	1.68	1.79	-0.19	-0.42	1.8	14.34	4.81
EV/Sales	2.86	0.86	- -	1.54	3.12	2.99	- -	0.8	1.21	1.18	- -	- -	1.81	0.17	0.66
EV/EBITDA	62.57	18.16	- -	29.57	70.4	75.82	- -	18.28	25.95	27.72	- -	- -	47.44	4.15	17.12
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	6.54	4.46	- -	3.52	10.04	9.64	- -	1.92	3.54	3.44	- -	- -	3.12	0.55	2.7
EV/Free Cash Flow to Firm	6.14	3.95	- -	3.14	8.77	8.47	- -	1.2	3.15	3.27	- -	- -	2.88	0.52	2.49
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	261	243	190	169	297	303	6	236	428	496	-1,037	24	1,239	822	1,077
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	91	91	90	81	89	91	138	193	271	292	367	352	432	399	380
TTM EBITDA	4	4	4	4	4	4	6	8	13	12	15	15	16	16	15
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	40	18	31	35	28	28	33	80	93	100	133	160	250	124	92
TTM Free Cash Flow to Firm	43	20	33	40	32	32	40	129	104	105	147	202	271	132	100

Multiples (USD)

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	2010 Y	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
As of date	12/31/2010	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

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	261	78	-357	125	277	273	-15	154	327	345	-1,220	-544	782	68	249
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	24.5	26.2	24.52	16.66	23.75
EV/Sales	2.86	0.86	- -	1.54	3.12	2.99	- -	0.8	1.21	1.18	- -	- -	1.81	0.17	0.66
EV/EBITDA	62.57	18.16	- -	29.57	70.4	75.82	- -	18.28	25.95	27.72	- -	- -	47.44	4.15	17.12
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	2.86	2.66	2.12	2.08	3.35	3.31	0.04	1.22	1.58	1.7	- -	0.07	2.87	2.06	2.83
EV/Sales High	2.86	2.66	2.12	2.08	3.35	3.31	0.04	1.22	1.58	1.7	- -	0.07	2.87	2.06	2.83
EV/Sales Low	2.86	2.66	2.12	2.08	3.35	3.31	0.04	1.22	1.58	1.7	- -	0.07	2.87	2.06	2.83
EV/EBITDA Average	62.57	56.53	44.6	39.97	75.44	84.13	1.02	27.96	33.94	39.86	-70.37	1.63	75.22	50.11	74.02
EV/EBITDA High	62.57	56.53	44.6	39.97	75.44	84.13	1.02	27.96	33.94	39.86	-70.37	1.63	75.22	50.11	74.02
EV/EBITDA Low	62.57	56.53	44.6	39.97	75.44	84.13	1.02	27.96	33.94	39.86	-70.37	1.63	75.22	50.11	74.02
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	20.55	21.94	21.25	22.23	24.82
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	27.85	29.75	28.5	26.2	25.9
Enterprise Value Average	261	243	190	169	297	303	6	236	428	496	-1,037	24	1,239	822	1,077
Enterprise Value High	261	243	190	169	297	303	6	236	428	496	-1,037	24	1,239	822	1,077
Enterprise Value Low	261	243	190	169	297	303	6	236	428	496	-1,037	24	1,239	822	1,077

Shares Outstanding	19	19	18	17	17	17	32	33	48	50	60	59	59	59	59
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Tangible Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

OceanFirst Financial Corp.

Profitability (USD)

Credit (USD)

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Enterprise Value (USD)

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