OCFC PEER ANALYSIS

OceanFirst Financial Corp. — metric-by-metric comparison with peers and the industry median

OCFCOceanFirst Financial Corp.

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

OCFCIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	OCFC	SKBNK	LB	LLOY	NWG	TSKB	Ind. Median
P/E	15.20	21.65	116.87	12.85	8.74	2.98●	12.58
P/B	0.64●	3.43	0.69	1.35	1.34	0.72	1.26
EV/EBITDA	11.79	2.98	306.47	14.45	-8.72●	2.22	9.12
P/S	—	—	—	—	—	—	—

Financial Health
Metric	OCFC	SKBNK	LB	LLOY	NWG	TSKB	Ind. Median
Current Ratio	2.77●	—	0.01	0.12	0.25	—	0.31
Debt/Equity	90.0%	0.0%●	744.5%	209.8%	17.0%	0.0%●	38.0%
NetDebt/EBITDA	1.75	-13.41	280.57	5.39	-14.68●	-0.47	-0.58

Profitability
Metric	OCFC	SKBNK	LB	LLOY	NWG	TSKB	Ind. Median
Net Margin	10.6%	14.2%	1.4%	25.9%	20.1%	54.9%●	20.6%
ROE	4.1%	17.5%	1.0%	10.6%	14.9%	27.4%●	10.9%
ROA	0.5%	1.2%	0.1%	0.5%	0.8%	3.7%●	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	OCFC	SKBNK	LB	LLOY	NWG	TSKB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-24.7%	8.1%	-80.9%	16.2%●	16.0%	-1.3%	19.4%
Div. Yield	4.1%	—	4.7%	3.2%	4.8%●	—	2.5%
Payout	67.2%	—	335.1%	—	—	—	31.4%

Valuation
Metric	OCFC	CFFN	HBT	BHRB	MCB	MCBS	Ind. Median
P/E	15.20	13.39	15.20	8.87●	11.99	13.62	12.58
P/B	0.64●	1.01	1.41	1.21	1.09	1.84	1.26
EV/EBITDA	11.79	16.01	1.42●	9.46	9.43	10.95	9.12
P/S	—	—	—	—	—	—	—

Financial Health
Metric	OCFC	CFFN	HBT	BHRB	MCB	MCBS	Ind. Median
Current Ratio	2.77	0.09	217.73●	0.20	—	134.88	0.31
Debt/Equity	90.0%	166.4%	20.6%	71.0%	3.9%●	79.3%	38.0%
NetDebt/EBITDA	1.75	5.67	-9.13●	3.25	0.22	0.40	-0.58

Profitability
Metric	OCFC	CFFN	HBT	BHRB	MCB	MCBS	Ind. Median
Net Margin	10.6%	17.9%	22.7%	24.2%	15.9%	29.7%●	20.6%
ROE	4.1%	7.5%	10.5%	14.5%	10.2%	15.2%●	10.9%
ROA	0.5%	0.8%	1.2%	1.5%	1.0%	1.8%●	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	OCFC	CFFN	HBT	BHRB	MCB	MCBS	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-24.7%	47.8%	-8.6%	103.6%●	28.9%	12.9%	19.4%
Div. Yield	4.1%●	3.9%	2.6%	3.0%	0.5%	2.7%	2.5%
Payout	67.2%	63.2%	39.4%	28.9%	6.0%	35.1%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 8, 26. This content is for informational purposes only and is not investment advice.