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OceanFirst Financial Corp.
OCFCFinancial ServicesNASDAQUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $655.60M | 10.8% | $70.80M | $79.33M | N/A |
| 2027 | $524.48M | 10.8% | $56.64M | $63.46M | $57.69M |
| 2028 | $419.58M | 10.8% | $45.31M | $50.77M | $41.96M |
| 2029 | $335.67M | 10.8% | $36.25M | $40.62M | $30.52M |
| 2030 | $268.53M | 10.8% | $29.00M | $32.49M | $22.19M |
| 2031 | $214.83M | 10.8% | $23.20M | $25.99M | $16.14M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $1.17 | 2025-12-31 |
| EPS growth | -29.1% | Forecast years: 5 |
| Future EPS | $0.21 | EPS × (1 + G)^5 |
| Base P/E | 14.5 | P/E |
| Future price | $3.039 | Future EPS × P/E |
| Fair value today | $1.887 | PV @ 10.0% |
| 30% safety price | $1.321 | Margin of safety |
| 50% safety price | $0.944 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $2.342 | $3.007 | $3.914 |
| 10.0% | $1.645 | $2.135 | $2.776 |
| 11.0% | $1.09 | $1.463 | $1.936 |