OCFCOCEANFIRST FINANCIAL CORP
National Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- $193M net debt
- AI in 10-K
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Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear130% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear84% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear2% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $106M | $143M | $100M | $96M | $67M | 30% |
| Operating cash flow | $160M | $250M | $124M | $92M | $87M | 5.5% |
| Capex | $42M | $16M | $8M | $8M | $8M | 1.8% |
| Stock-based comp | $5M | $7M | $6M | $6M | $5M | 20% |
| Buybacks | $36M | $7M | $0 | $21M | $25M | 16% |
| Dividends | $45M | $48M | $51M | $51M | $48M | 5.2% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $90K · 1
- Open-market sells, 12 mo
- $0 · 0
- Net
- $90K
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $3M | $3M | 104 | 107 |
| FY2024 | $3M | $3M | 109 | 113 |
| FY2023 | $3M | $2M | 86 | 100 |
| FY2022 | $3M | $2M | 99 | 93 |
| FY2021 | $3M | $4M | 123 | 137 |