Need an investment idea? Check out Popular Stocks and S2O Stock Screener.

Market Price

24.51 

-0.03 -0.1%

as of Jun 19 '19

52 Week Range:

21.32 30.90


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 holding company for OceanFirst Bank N.A. that provides a range of community banking services. The company offers various deposit products to retail, government, and business customers, including money market accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing accounts, and time deposits. It also provides commercial real estate, multi-family mortgage, and land 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 and wealth management services; and sells alternative investment products and life insurance products. The company operates through its branch office in Toms River; administrative office located in Red Bank; and 58 additional branch offices and 3 deposit production facilities located throughout central and southern New Jersey, as well as commercial loan production offices in New York City, the Philadelphia area and Atlantic, Cape May, 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 '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 9.69
9.75
10.69
11.56
12.28
12.29
12.94
13.58
12.98
18.29
21.48
growth rate 0.6% 9.6% 8.1% 6.2% 0.1% 5.3% 5.0% -4.4% 40.9% 17.4%
Earnings BIT 21.62
24.81
30.78
32.21
30.95
24.94
33.93
35.94
40.85
72.60
growth rate 14.8% 24.1% 4.7% -3.9% -19.4% 36.1% 5.9% 13.7% 77.8%
Avg.PE 13.23
11.56
11.49
11.49
12.24
17.99
14.44
14.60
29.63
20.48
15.76
growth rate -12.6% -0.6% 0.0% 6.5% 47.0% -19.7% 1.1% 103.0% -30.9% -23.1%
ROA 0.78
0.64
0.95
0.91
0.88
0.72
0.86
0.82
0.59
0.80
1.11
growth rate -18.0% 48.4% -4.2% -3.3% -18.2% 19.4% -4.7% -28.1% 35.6% 38.8%
ROE 12.10
8.23
10.59
9.92
9.17
7.52
9.21
8.90
5.69
7.24
8.77
growth rate -32.0% 28.7% -6.3% -7.6% -18.0% 22.5% -3.4% -36.1% 27.2% 21.1%
ROIC 8.57
5.98
7.02
6.45
6.10
5.09
5.13
growth rate -30.2% 17.4% -8.1% -5.4% -16.6% 0.8%
Leverage 15.51
11.06
11.19
10.62
10.32
10.50
10.80
10.87
9.03
9.00
7.23
growth rate -28.7% 1.2% -5.1% -2.8% 1.7% 2.9% 0.7% -16.9% -0.3% -19.7%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 6.43
5.98
5.38
5.51
5.86
11.99
14.25
growth rate -7.1% -10.0% 2.3% 6.4% 104.6% 18.9%
Acct.Payable 5.19
1,720.14
1,916.68
4,187.75
4,342.80
5,814.57
growth rate 592.2% 11.4% 118.5% 3.7% 33.9%
Cur.Assets 50.49
61.33
325.08
136.34
148.11
growth rate 21.5% 430.0% -58.1% 8.6%
Total Assets 1,857.90
2,030.00
2,251.30
2,302.09
2,269.23
2,249.71
2,356.71
2,593.07
5,166.92
5,416.01
7,516.15
growth rate 9.3% 10.9% 2.3% -1.4% -0.9% 4.8% 10.0% 99.3% 4.8% 38.8%
Cash 18.50
23.00
31.50
625.90
627.06
587.91
36.12
43.95
301.37
109.61
120.79
growth rate 24.3% 37.0% 1,887.0% 0.2% -6.2% -93.9% 21.7% 585.8% -63.6% 10.2%
Inventory 4.66
8.83
9.80
8.19
1.38
growth rate 89.3% 11.1% -16.5% -83.1%
Cur.Liabilities 1,788.98
2,074.55
4,257.69
4,452.47
6,158.22
growth rate 16.0% 105.2% 4.6% 38.3%
Liabilities 1,738.20
1,846.50
2,050.10
2,085.25
2,049.44
2,035.36
2,138.46
2,354.62
4,595.01
4,814.07
6,476.80
growth rate 6.2% 11.0% 1.7% -1.7% -0.7% 5.1% 10.1% 95.2% 4.8% 34.5%
LT Debt 2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
332.74
264.89
307.06
315.21
263.44
growth rate 0.1% 0.1% 0.1% 0.1% 0.1% -83.5% -20.4% 15.9% 2.7% -16.4%
Equity 119.80
183.50
201.30
216.85
219.79
214.35
218.26
238.45
571.90
601.94
1,039.36
growth rate 53.2% 9.7% 7.7% 1.4% -2.5% 1.8% 9.3% 139.9% 5.3% 72.7%
Common Shares 12.00
13.00
18.00
18.00
18.00
17.00
17.00
17.00
24.00
33.00
48.00
growth rate 8.3% 38.5% 0.0% 0.0% -5.6% 0.0% 0.0% 41.2% 37.5% 45.5%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 5.20
2.70
2.60
2.23
2.60
4.28
3.97
3.89
6.67
48.70
11.49
growth rate -48.1% -3.7% -14.4% 16.8% 64.7% -7.3% -2.0% 71.4% 630.1% -76.4%
Cash Dividends 9.40
11.20
8.80
8.79
8.58
8.24
8.24
8.69
12.62
19.29
29.56
growth rate 19.2% -21.4% -0.1% -2.4% -4.0% 0.0% 5.5% 45.1% 52.9% 53.3%
Cash From OA 24.70
16.80
39.90
17.55
30.89
35.46
27.58
28.33
33.42
80.13
92.55
growth rate -32.0% 137.5% -56.0% 76.0% 14.8% -22.2% 2.7% 18.0% 139.7% 15.5%
FCF per Share 1.66
1.10
2.05
1.27
1.59
1.67
1.11
1.82
2.29
1.21
0.67
growth rate -33.7% 86.4% -38.1% 25.2% 5.0% -33.5% 64.0% 25.8% -47.2% -44.6%
Sale Purchase of Stock -2.10
-11.48
-8.04
0.35
0.40
3.99
3.35
growth rate 0.0% 0.0% 100.0% 13.5% 907.3% -15.9%
FCF 20.00
14.00
37.00
15.00
28.00
31.00
24.00
25.00
26.00
31.00
81.00
growth rate -30.0% 164.3% -59.5% 86.7% 10.7% -22.6% 4.2% 4.0% 19.2% 161.3%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 70.80
81.10
92.40
110.69
105.34
96.62
87.89
91.98
138.05
191.85
272.04
growth rate 14.6% 13.9% 19.8% -4.8% -8.3% -9.0% 4.7% 50.1% 39.0% 41.8%
Op.Income 21.60
24.80
30.80
20.74
20.02
16.33
32.25
35.18
55.32
84.43
123.29
growth rate 14.8% 24.2% -32.7% -3.5% -18.4% 97.5% 9.1% 57.3% 52.6% 46.0%
IBT 21.62
24.81
30.78
32.21
30.95
24.94
30.53
31.21
35.20
65.33
85.50
growth rate 14.8% 24.1% 4.7% -3.9% -19.4% 22.4% 2.2% 12.8% 85.6% 30.9%
Net Income 14.80
15.70
20.40
20.74
20.02
16.33
19.92
20.32
23.05
42.47
71.93
growth rate 6.1% 29.9% 1.7% -3.5% -18.4% 22.0% 2.0% 13.4% 84.3% 69.4%
EPS 1.26
0.98
1.12
1.14
1.12
0.95
1.19
1.21
0.98
1.28
1.51
growth rate -22.2% 14.3% 1.8% -1.8% -15.2% 25.3% 1.7% -19.0% 30.6% 18.0%
Gross Profit 87.89
91.98
138.05
191.85
272.04
growth rate 4.7% 50.1% 39.0% 41.8%

Quarterly Statements

Item Name Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Earnings BIT 9.09
growth rate
Balance Sheet Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Acct.Receivable 19.42
growth rate
Acct.Payable 5,907.34
5,819.41
5,854.25
5,814.57
6,290.49
growth rate -1.5% 0.6% -0.7% 8.2%
Cur.Assets 150.78
293.55
184.26
148.11
184.28
growth rate 94.7% -37.2% -19.6% 24.4%
Total Assets 7,494.90
7,736.90
7,562.59
7,516.15
8,092.95
growth rate 3.2% -2.3% -0.6% 7.7%
Cash 119.36
254.47
148.36
120.79
152.97
growth rate 113.2% -41.7% -18.6% 26.6%
Inventory 8.27
7.85
6.23
1.38
1.59
growth rate -5.0% -20.7% -77.8% 15.4%
Cur.Liabilities 5,990.22
5,881.95
6,173.54
6,158.22
6,359.71
growth rate -1.8% 5.0% -0.3% 3.3%
Liabilities 6,487.44
6,724.34
6,532.75
6,476.80
6,965.79
growth rate 3.7% -2.9% -0.9% 7.6%
LT Debt 441.01
773.66
298.67
263.44
532.98
growth rate 75.4% -61.4% -11.8% 102.3%
Equity 1,007.46
1,012.57
1,029.84
1,039.36
1,127.16
growth rate 0.5% 1.7% 0.9% 8.5%
Common Shares 0.48
0.48
0.48
0.48
0.52
growth rate 0.2% 0.2% 0.0% 7.3%
Cash Flow Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Capital Expenditures 1.93
4.62
3.88
1.06
0.84
growth rate 140.0% -16.2% -72.6% -21.0%
Cash Dividends 7.11
7.17
7.15
8.14
8.64
growth rate 0.9% -0.3% 13.8% 6.2%
Cash From OA 7.70
26.51
28.02
30.32
38.07
growth rate 244.3% 5.7% 8.2% 25.6%
Sale Purchase of Stock 3.46
growth rate
FCF 5.77
21.89
24.15
29.26
37.23
growth rate 279.1% 10.3% 21.1% 27.3%
Income Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Sales 63.25
69.62
68.88
70.28
73.28
growth rate 10.1% -1.1% 2.0% 4.3%
Op.Income 26.50
29.16
33.30
34.33
33.29
growth rate 10.0% 14.2% 3.1% -3.0%
IBT 6.43
18.72
29.35
31.00
26.01
growth rate 191.0% 56.8% 5.6% -16.1%
Net Income 5.43
15.70
24.07
26.73
21.17
growth rate 189.3% 53.3% 11.1% -20.8%
EPS
growth rate
Gross Profit 63.25
69.62
68.88
70.28
73.28
growth rate 10.1% -1.1% 2.0% 4.3%
R&D
growth rate

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:

A (84.89)

YOY Growth Grade:

D (44.15)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 16.30 16.23 10.70
EPS / Growth 5.1% 1.51 10.0%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 37.9%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 5.1% 17.7% 17.7%
Future PE 10.20 20.77 20.77
Future EPS 2.48 7.67 7.67
Value Price
MOS %
6.26
-74.5%
39.38
60.7%
39.38
60.7%
MOS Price 3.13 19.69 19.69
IRT 11.67 7.57 7.57

Graham Number:

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

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.