OceanFirst Financial Corp. cash flow to debt ratio of 5.33% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

OceanFirst Financial Corp.'s free cash flow has decreased -6.10% from $84.68M last year to $79.51M, signaling decreasing performance

OceanFirst Financial Corp.'s debt to equity ratio is 0.90, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy

OceanFirst Financial Corp.'s debt has increased relative to shareholder equity from 0.74 last year to 0.90 today, signaling weakened financials

OceanFirst Financial Corp. has a net debt to EBITDA ratio of 16.08x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

OceanFirst Financial Corp. earns at least as much interest as it pays. Interest obligations are fully covered.

OceanFirst Financial Corp.'s profit margin has decreased (-27.45%) in the last year from 14.55% to 10.55%, signaling decreasing performance

OceanFirst Financial Corp.'s short-term liabilities of $11.02G exceed its short-term assets of $1.42G, signaling financial risk

OceanFirst Financial Corp.'s return on assets of 0.48% is lower than the 5.00% threshold, indicating inefficient asset utilization

OceanFirst Financial Corp.'s return on equity of 4.22%, is lower than 15.00%, indicating bad performance

OceanFirst Financial Corp.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

OceanFirst Financial Corp. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings

OceanFirst Financial Corp. has positive free cash flow, indicating the company generates cash after capital expenditures

OceanFirst Financial Corp. has a free cash flow yield of 7.06%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

OceanFirst Financial Corp.'s yearly earnings has decreased -29.07% since last year from $100.06M to $70.98M, signaling decreasing performance

OceanFirst Financial Corp.'s yearly revenue has decreased -6.61% since last year from $687.95M to $642.45M, signaling decreasing performance

ROIC 0.48% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

OceanFirst Financial Corp.'s 3-year revenue CAGR of 10.55% is positive, indicating growing revenue over the past 3 years

OceanFirst Financial Corp. had revenue growth in 3.00 out of 5 years, indicating consistent revenue performance

OceanFirst Financial Corp. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity

OceanFirst Financial Corp. has insufficient data to evaluate this check.

OceanFirst Financial Corp. has an earnings yield of 6.28%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

OceanFirst Financial Corp. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

OceanFirst Financial Corp. has an EV/EBITDA ratio of 23.52x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

OceanFirst Financial Corp. is undervalued relative to its fair value price of 46.11 based on Earnings Fair Value model

OceanFirst Financial Corp. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

OceanFirst Financial Corp. has a price-to-book ratio of 0.67x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

OceanFirst Financial Corp. has a price-to-sales ratio of 1.70x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue