OCFC Snapshot del titolo Prezzo, capitalizzazione di mercato, P/E, EPS, ROE, debito/capitale proprio, intervallo 52 settimane

Prezzo

$18.61

Capitalizzazione di Mercato

$1.03B

P/E (TTM)

15.3

EPS (TTM)

$1.17

Ricavi (TTM)

—

Rendimento div.

4.7%

ROE

4.2%

D/E Debito/Patrimonio

—

Intervallo 52 sett.

$16 – $21

OCFC Grafico del prezzo delle azioni OHLCV giornaliero con indicatori tecnici — panoramica, zoom e personalizza la tua visualizzazione

Performance decennale Andamento di ricavi, utile netto, margini e EPS

Ricavi e Utile Netto —

EPS $1.17

2016-12-31 → 2025-12-31

Flusso di cassa libero $80M

2016-12-31 → 2025-12-31

Margini 17.5%

Valutazione Rapporti P/E, P/S, P/B, EV/EBITDA — il titolo è costoso o economico?

Metrica

Tendenza 5 anni

OCFC

Mediana dei peer

P/E (TTM)

15.3

11.0

P/S (TTM)

2.5

2.3

P/B

0.6

1.0

Price / FCF (Prezzo / FCF)

13.0

—

Redditività Margini lordi, operativi e netti; ROE, ROA, ROIC

Metrica

Tendenza 5 anni

OCFC

Mediana dei peer

Net Profit Margin (Margine di Profitto Netto)

17.5%

27.4%

ROA

0.51%

1.1%

ROE

4.2%

9.6%

Salute finanziaria Debito, liquidità, solvibilità — solidità del bilancio

Metrica

Tendenza 5 anni

OCFC

Mediana dei peer

Crescita Crescita di ricavi, EPS e utile netto: YoY, CAGR 3Y, CAGR 5Y

Metrica

Tendenza 5 anni

OCFC

Mediana dei peer

Revenue YoY (Ricavi YoY)

5.4%

—

Revenue CAGR 3Y (CAGR Ricavi 3Y)

-2.5%

—

Revenue CAGR 5Y (CAGR Ricavi 5Y)

0.92%

—

EPS YoY

-29.1%

—

Net Income YoY (Utile Netto YoY)

-29.1%

—

Metriche per Azione EPS, valore contabile per azione, flusso di cassa per azione, dividendo per azione

Metrica

Tendenza 5 anni

OCFC

Mediana dei peer

EPS (Diluted) (EPS (Diluito))

$1.17

—

Efficienza del Capitale Rotazione delle attività, rotazione delle scorte, rotazione dei crediti

Metrica

Tendenza 5 anni

OCFC

Mediana dei peer

Payout Ratio (Rapporto di Distribuzione Utili)

68.0%

—

Dividendi Rendimento, payout ratio, storico dividendi, CAGR 5Y

Dividend Yield

4.7%

Rapporto di Distribuzione Utili

68.0%

CAGR Dividendi 5Y

—

Data ex-dividendo	Importo
27 Aprile 2026	$0,2000
02 Febbraio 2026	$0,2000
03 Novembre 2025	$0,2000
04 Agosto 2025	$0,2000
05 Maggio 2025	$0,2000
03 Febbraio 2025	$0,2000
04 Novembre 2024	$0,2000
05 Agosto 2024	$0,2000
03 Maggio 2024	$0,2000
02 Febbraio 2024	$0,2000
03 Novembre 2023	$0,2000
04 Agosto 2023	$0,2000
05 Maggio 2023	$0,2000
03 Febbraio 2023	$0,2000
04 Novembre 2022	$0,2000
05 Agosto 2022	$0,2000
06 Maggio 2022	$0,1700
04 Febbraio 2022	$0,1700
05 Novembre 2021	$0,1700
06 Agosto 2021	$0,1700

OCFC Consenso degli analisti Opinioni degli analisti, sia rialziste che ribassiste, target price a 12 mesi, potenziale di rialzo

COMPRA 12 analisti

Acquisto forte 2 16,7%
Compra 6 50,0%
Mantieni 4 33,3%
Vendi 0 0,0%
Vendita forte 0 0,0%

Target Price a 12 Mesi

5 analisti · 2026-05-17

Mediana $22.00

← Sotto tutti i target $18.61

Basso $20.00

Alto $25.00

Target mediano $22.00 +18,2%

Target medio $22.00 +18,2%

Cronologia utili EPS effettivo vs stima, surprise %, tasso di superamento, data prossimi utili

Sorpresa media

0.00%

Periodo	EPS Actual	EPS Stimato	Sorpresa
31 Marzo 2026	$0.43	$0.41	0.02%
31 Dicembre 2025	$0.41	$0.39	0.02%
30 Settembre 2025	$0.36	$0.36	-0.00%
30 Giugno 2025	$0.31	$0.34	-0.03%
31 Marzo 2025	$0.35	$0.36	-0.01%

Confronto tra pari Metriche chiave rispetto ai pari del settore

Ticker	Capitalizzazione di Mercato	P/E	Rev YoY	Margine Netto	ROE	Margine lordo
OCFC	$1.03B	15.3	5.4%	17.5%	4.2%	—
FMBH	$935M	10.2	7.4%	26.3%	9.9%	—
MCB	$770M	11.5	-53.8%	643.2%	9.7%	—
HFWA	$803M	12.1	13.5%	27.4%	7.5%	—
OSBC	$1.03B	12.0	18.9%	23.7%	9.9%	—
CCB	$1.73B	37.4	-6.8%	8.7%	9.9%	—
UVSP	$922M	10.5	9.6%	27.7%	9.8%	—
HBT	$813M	10.6	5.6%	32.5%	12.9%	—
TFC	$62.13B	12.9	53.0%	26.1%	8.2%	—

Fondamentali Completi Tutte le metriche per anno — conto economico, stato patrimoniale, rendiconto finanziario

Conto Economico 11

Dati annuali Conto Economico per OCFC
Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Operating Expenses	$296M	$246M	$249M	$235M	$227M	$246M	$189M	$186M	$127M	$103M	$61M	$58M
Interest Expense	·	·	$238M	$54M	$37M	$67M	$53M	$36M	$20M	$13M	$9M	$8M
Interest Income	$642M	$642M	$608M	$431M	$342M	$380M	$309M	$277M	$189M	$133M	$86M	$80M
Pretax Income	$93M	$131M	$137M	$194M	$142M	$81M	$107M	$86M	$65M	$35M	$31M	$31M
Income Tax	$21M	$30M	$33M	$47M	$32M	$18M	$19M	$14M	$23M	$12M	$11M	$11M
Net Income	$71M	$100M	$104M	$147M	$110M	$63M	$89M	$72M	$42M	$23M	$20M	$20M
EPS (Basic)	$1.17	$1.65	$1.70	$2.43	$1.79	$1.02	$1.77	$1.54	$1.32	$1.00	$1.22	$1.19
EPS (Diluted)	$1.17	$1.65	$1.70	$2.42	$1.78	$1.02	$1.75	$1.51	$1.28	$0.98	$1.21	$1.19
Shares (Basic)	57,419,000	58,296,000	58,948,000	58,730,000	59,406,000	59,919,000	50,166,000	46,773,000	32,113,000	23,093,000	16,600,000	16,687,000
Shares (Diluted)	57,425,000	58,297,000	58,957,000	58,878,000	59,649,000	60,072,000	50,746,000	47,657,000	33,125,000	23,526,000	16,811,000	16,797,000
EBITDA	$10M	$11M	$12M	$12M	$9M	$8M	$8M	$9M	$6M	·	·	·

Stato Patrimoniale 16

Dati annuali Stato Patrimoniale per OCFC
Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
PP&E (Net)	·	·	·	·	·	·	$103M	$111M	$102M	$71M	$28M	$25M
PP&E (Gross)	·	·	·	·	·	·	·	$168M	$161M	$126M	$70M	$61M
Accum. Depreciation	·	·	·	·	·	·	·	$56M	$59M	$55M	$41M	$36M
Goodwill	$517M	$523M	$506M	$506M	$500M	$500M	$375M	$338M	$151M	$145M	$2M	·
Intangibles	$9M	$13M	$10M	$13M	$18M	$24M	$16M	$17M	$9M	$11M	$256.0K	·
Total Assets	$14.56B	$13.42B	$13.54B	$13.10B	$11.74B	$11.45B	$8.25B	$7.52B	$5.42B	$5.17B	$2.59B	$2.36B
Total Liabilities	$12.90B	$11.72B	$11.88B	$11.52B	$10.22B	$9.96B	$7.09B	$6.48B	$4.81B	$4.60B	$2.35B	$2.14B
Long-term Debt	$255M	$198M	$196M	$195M	$229M	$235M	·	·	·	·	·	·
Common Stock	$625.0K	$613.0K	$613.0K	$612.0K	$611.0K	$609.0K	$519.0K	$483.0K	$336.0K	$336.0K	$336.0K	$336.0K
Paid-in Capital	·	·	·	·	·	·	·	·	·	·	·	$265M
Retained Earnings	$663M	$642M	$593M	$541M	$442M	$378M	$359M	$305M	$271M	$238M	$229M	$218M
Treasury Stock	$116M	$91M	$69M	$69M	$62M	$26M	$37M	$11M	$16M	$23M	$252M	$255M
AOCI	$-2M	$-16M	$-21M	$-36M	$-3M	$621.0K	$-1M	$-3M	$-5M	$-6M	$-6M	$-7M
Stockholders' Equity	$1.66B	$1.70B	$1.66B	$1.58B	$1.52B	$1.48B	$1.15B	$1.04B	$602M	$572M	$238M	$218M
Liabilities + Equity	$14.56B	$13.42B	$13.54B	$13.10B	$11.74B	$11.45B	$8.25B	$7.52B	$5.42B	$5.17B	$2.59B	$2.36B
Shares Outstanding	57,390,569	58,554,871	59,447,684	59,144,128	59,175,046	60,392,043	50,405,048	47,951,168	32,596,893	32,136,892	17,286,557	16,901,653

Flusso di cassa 17

Dati annuali Flusso di cassa per OCFC
Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
D&A	$10M	$11M	$12M	$12M	$9M	$8M	$8M	$9M	$6M	$5M	$3M	$3M
Stock-based Comp	$5M	$6M	$6M	$7M	$5M	$4M	$4M	$3M	$2M	$2M	$1M	$928.0K
Deferred Tax	$3M	$-337.0K	$3M	$2M	$4M	$-5M	$16M	$-5M	$35M	$6M	$1M	$82.0K
Amort. of Intangibles	$4M	$3M	$4M	$5M	·	·	·	$4M	$2M	$623.0K	$21.0K	·
Restructuring	$12M	$0	$0	·	·	·	·	·	·	·	·	·
Other Non-cash	$-2M	$-24M	$-1M	$84M	$32M	$61M	$-17M	$13M	$-6M	·	·	·
Operating Cash Flow	$87M	$92M	$124M	$250M	$160M	$133M	$100M	$93M	$80M	$33M	$28M	$28M
CapEx	$8M	$8M	$8M	$16M	$42M	$15M	$5M	$11M	$49M	$7M	$4M	$4M
Investing Cash Flow	$-1.18B	$106M	$-488M	$-1.32B	$-1.48B	$-22M	$-172M	$49M	$-455M	$272M	$-95M	$-111M
Stock Repurchased	$25M	$21M	$0	$7M	$36M	$15M	$26M	$11M	$0	$2M	$6M	$9M
Net Stock Activity	$-25M	$-21M	$0	$-7M	$-36M	$-15M	$-26M	$-11M	$0	$-2M	$-6M	$-9M
Dividends Paid	$48M	$51M	$51M	$48M	$45M	$43M	$34M	$30M	$19M	$13M	$9M	$8M
Financing Cash Flow	$1.10B	$-229M	$349M	$1.01B	$224M	$1.07B	$83M	$-128M	$183M	$-48M	$75M	$86M
Net Change in Cash	$12M	$-30M	$-14M	$-57M	$-1.09B	$1.19B	$11M	$13M	$-192M	$257M	$8M	$2M
Taxes Paid	$21M	$34M	$29M	·	·	·	·	·	·	·	·	·
Free Cash Flow	$80M	$85M	$117M	$234M	$118M	$118M	$95M	$81M	$31M	$26M	$25M	$24M
Levered FCF	·	·	$-65M	$194M	$89M	$66M	$52M	$51M	$19M	$18M	$19M	$19M

Redditività 5

Dati annuali Redditività per OCFC
Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Net Margin	17.5%	26.0%	25.8%	33.6%	30.8%	16.4%	29.7%	26.1%	21.6%	16.4%	21.8%	21.9%
Pretax Margin	22.9%	34.0%	33.9%	44.4%	39.8%	20.9%	36.0%	31.1%	33.3%	25.0%	33.5%	33.6%
EBITDA Margin	2.5%	2.8%	3.1%	2.7%	2.6%	2.2%	2.8%	3.2%	3.2%	·	·	·
ROA	0.51%	0.74%	0.78%	1.2%	0.95%	0.64%	1.1%	1.1%	0.80%	0.59%	0.82%	0.86%
ROE	4.2%	5.9%	6.4%	9.4%	7.3%	4.3%	7.7%	7.0%	7.1%	4.7%	8.6%	9.1%

Efficienza 1

Dati annuali Efficienza per OCFC
Metrica	Tendenza	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Asset Turnover		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0

Per Azione 5

Dati annuali Per Azione per OCFC
Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Book Value / Share	$28.97	$29.06	$27.94	$26.79	$25.63	$24.57	$22.88	$21.68	$18.47	$17.80	$13.79	$12.91
Revenue / Share	$7.05	$6.59	$6.84	$7.41	$5.99	$6.44	$5.88	$5.78	$5.93	$5.98	$5.55	$5.41
Cash Flow / Share	$1.52	$1.58	$2.11	$4.25	$2.68	$2.21	$1.98	$1.94	$2.42	$1.39	$1.69	$1.64
Dividend / Share	$1	$1	$1	$1	$1	$1	$1	$1	·	·	·	·
EPS (TTM)	$1.17	$1.65	$1.70	$2.42	$1.78	$1.02	$1.75	$1.51	$1.28	$0.98	$1.21	$1.19

Tassi di Crescita 10

Dati annuali Tassi di Crescita per OCFC
Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Revenue YoY	5.4%	-4.7%	-7.6%	22.2%	-7.6%	·	·	·	·	·	·	·
Revenue CAGR 3Y	-2.5%	2.5%	1.4%	·	·	·	·	·	·	·	·	·
Revenue CAGR 5Y	0.92%	·	·	·	·	·	·	·	·	·	·	·
EPS YoY	-29.1%	-2.9%	-29.8%	36.0%	74.5%	·	·	·	·	·	·	·
EPS CAGR 3Y	-21.5%	-2.5%	18.6%	·	·	·	·	·	·	·	·	·
EPS CAGR 5Y	2.8%	·	·	·	·	·	·	·	·	·	·	·
Net Income YoY	-29.1%	-3.8%	-29.0%	33.2%	73.9%	·	·	·	·	·	·	·
Net Income CAGR 3Y	-21.5%	-3.1%	18.0%	·	·	·	·	·	·	·	·	·
Net Income CAGR 5Y	2.3%	·	·	·	·	·	·	·	·	·	·	·
Dividend CAGR 5Y	2.4%	·	·	·	·	·	·	·	·	·	·	·

Valutazione (TTM) 13

Dati annuali Valutazione (TTM) per OCFC
Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Revenue TTM	$405M	$384M	$403M	$437M	$357M	$387M	$298M	$275M	$196M	$141M	$93M	$91M
Net Income TTM	$71M	$100M	$104M	$147M	$110M	$63M	$89M	$72M	$42M	$23M	$20M	$20M
Market Cap	$1.03B	$1.06B	$1.03B	$1.26B	$1.31B	$1.13B	$1.29B	$1.08B	$856M	$965M	$346M	$290M
P/E	15.3	11.0	10.2	8.8	12.5	18.3	14.6	14.9	20.5	30.6	16.6	14.4
P/S	2.5	2.8	2.6	2.9	3.7	2.9	4.3	3.9	4.4	6.9	3.7	3.2
P/B	0.6	0.6	0.6	0.8	0.9	0.8	1.1	1.0	1.4	1.7	1.5	1.3
P / Tangible Book	0.9	0.9	0.9	1.2	1.3	1.2	·	·	·	·	·	·
P / Cash Flow	11.8	11.5	8.3	5.0	8.2	8.5	12.8	11.7	10.7	29.4	12.2	10.5
P / FCF	13.0	12.5	8.9	5.4	11.1	9.5	13.5	13.3	27.2	36.9	14.1	12.3
Dividend Yield	4.7%	4.8%	5.0%	3.8%	3.4%	3.8%	2.7%	2.7%	2.2%	1.3%	2.5%	2.8%
Earnings Yield	6.5%	9.1%	9.8%	11.4%	8.0%	5.5%	6.9%	6.7%	4.9%	3.3%	6.0%	6.9%
Payout Ratio	68.0%	50.8%	49.3%	32.4%	40.4%	67.8%	38.7%	41.1%	45.4%	54.7%	42.8%	41.4%
Annual Payout	$48M	$51M	$51M	$48M	$45M	$43M	$34M	$30M	$19M	$13M	$9M	$8M

Conto Economico 11

Dati trimestrali Conto Economico per OCFC
Metrica	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Operating Expenses	$73M	$84M	$76M	$71M	$64M	$65M	$64M	$59M	$59M	$60M	$64M	$63M	$61M	$60M	$59M	$59M
Interest Expense	·	·	·	·	·	·	·	·	$75M	·	$67M	$58M	$40M	·	$15M	$9M
Interest Income	$168M	$172M	$162M	$155M	$154M	$160M	$162M	$159M	$162M	$160M	$158M	$150M	$139M	$130M	$110M	$99M
Pretax Income	$27M	$17M	$23M	$25M	$28M	$27M	$33M	$32M	$39M	$36M	$27M	$37M	$37M	$71M	$51M	$38M
Income Tax	$7M	$4M	$5M	$6M	$7M	$5M	$7M	$7M	$11M	$9M	$6M	$9M	$9M	$17M	$12M	$9M
Net Income	$21M	$13M	$17M	$19M	$22M	$22M	$25M	$24M	$29M	$28M	$21M	$28M	$28M	$53M	$39M	$29M
EPS (Basic)	$0.36	$0.24	$0.30	$0.28	$0.35	$0.36	$0.42	$0.40	$0.47	$0.46	$0.33	$0.45	$0.46	$0.89	$0.64	$0.48
EPS (Diluted)	$0.36	$0.24	$0.30	$0.28	$0.35	$0.36	$0.42	$0.40	$0.47	$0.46	$0.33	$0.45	$0.46	$0.89	$0.64	$0.47
Shares (Basic)	57,043,000	-115,452,000	57,031,000	57,738,000	58,102,000	-116,914,000	58,065,000	58,356,000	58,789,000	-118,077,000	59,104,000	59,147,000	58,774,000	-117,584,000	58,681,000	58,894,000
Shares (Diluted)	57,048,000	-115,462,000	57,036,000	57,740,000	58,111,000	-116,919,000	58,068,000	58,357,000	58,791,000	-118,225,000	59,111,000	59,153,000	58,918,000	-117,861,000	58,801,000	58,995,000
EBITDA	$3M	·	·	·	$3M	·	·	·	$3M	·	·	·	$3M	·	·	·

Stato Patrimoniale 12

Dati trimestrali Stato Patrimoniale per OCFC
Metrica	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Goodwill	$517M	$517M	$523M	$523M	$523M	$523M	$506M	$506M	$506M	·	$506M	$506M	$506M	·	$506M	$506M
Intangibles	$8M	$9M	$10M	$11M	$12M	$13M	$7M	$8M	$9M	·	$10M	$11M	$12M	·	$15M	$16M
Total Assets	$14.56B	$14.56B	$14.32B	$13.33B	$13.31B	$13.42B	$13.49B	$13.32B	$13.42B	·	$13.50B	$13.54B	$13.56B	·	$12.68B	$12.44B
Total Liabilities	$12.89B	$12.90B	$12.67B	$11.68B	$11.60B	$11.72B	$11.79B	$11.65B	$11.75B	·	$11.86B	$11.91B	$11.94B	·	$11.14B	$10.92B
Long-term Debt	·	$255M	·	·	·	·	·	·	·	·	·	·	·	·	·	·
Common Stock	$629.0K	$625.0K	$625.0K	$625.0K	$625.0K	$613.0K	$613.0K	$613.0K	$613.0K	·	$613.0K	$613.0K	$613.0K	·	$612.0K	$612.0K
Retained Earnings	$672M	$663M	$661M	$655M	$651M	$642M	$632M	$620M	$608M	·	$578M	$570M	$555M	·	$500M	$474M
Treasury Stock	$119M	$116M	$115M	$115M	$98M	$91M	$91M	$89M	$84M	·	$69M	$69M	$69M	·	$69M	$69M
AOCI	$-5M	$-2M	$-9M	$-11M	$-13M	$-16M	$-12M	$-17M	$-19M	·	$-29M	$-30M	$-29M	·	$-38M	$-29M
Stockholders' Equity	$1.67B	$1.66B	$1.65B	$1.64B	$1.71B	$1.70B	$1.69B	$1.68B	$1.67B	·	$1.64B	$1.63B	$1.61B	·	$1.54B	$1.52B
Liabilities + Equity	$14.56B	$14.56B	$14.32B	$13.33B	$13.31B	$13.42B	$13.49B	$13.32B	$13.42B	·	$13.50B	$13.54B	$13.56B	·	$12.68B	$12.44B
Shares Outstanding	57,600,069	57,390,569	57,388,603	57,383,975	58,383,525	58,554,871	58,397,094	58,481,418	58,812,498	·	59,421,498	59,420,859	59,486,086	·	59,138,507	59,130,236

Flusso di cassa 16

Dati trimestrali Flusso di cassa per OCFC
Metrica	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
D&A	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$3M
Stock-based Comp	$953.0K	$1M	$869.0K	$808.0K	$2M	$2M	$1M	$2M	$2M	$944.0K	$2M	$2M	$2M	$2M	$2M	$2M
Deferred Tax	$-2.0K	$3M	$14.0K	$62.0K	$-101.0K	$-1M	$15.0K	$-502.0K	$1M	$3M	$-60.0K	$-17.0K	$-16.0K	$2M	$-19.0K	$-17.0K
Amort. of Intangibles	$848.0K	$888.0K	$900.0K	$906.0K	$940.0K	$876.0K	$803.0K	$810.0K	$844.0K	·	·	·	·	·	·	·
Restructuring	$128.0K	$7M	$4M	·	$0	$0	$0	·	·	·	·	·	·	·	·	·
Other Non-cash	$1M	·	·	·	$-27M	·	·	·	$12M	·	·	·	$-8M	·	·	·
Operating Cash Flow	$25M	$36M	$24M	$29M	$-2M	$45M	$-22M	$24M	$46M	$-27M	$55M	$72M	$24M	$40M	$84M	$69M
CapEx	$2M	$3M	$2M	$1M	$2M	$2M	$1M	$4M	$680.0K	$2M	$1M	$3M	$2M	$2M	$3M	$4M
Investing Cash Flow	$-2M	$-387M	$-888M	$-24M	$124M	$-9M	$-154M	$148M	$121M	$-342M	$9M	$-8M	$-147M	$-412M	$-235M	$-249M
Stock Repurchased	$3M	$558.0K	$42.0K	$17M	$7M	$-5.0K	$1M	$5M	$15M	$0	$0	$0	$0	$0	$0	$5M
Net Stock Activity	$-3M	·	·	·	$-7M	·	·	·	$-15M	·	·	·	$0	·	·	·
Dividends Paid	$11M	$11M	$11M	$13M	$13M	$13M	$13M	$13M	$13M	$13M	$13M	$13M	$13M	$13M	$13M	$11M
Financing Cash Flow	$-22M	$212M	$967M	$2M	$-82M	$-127M	$209M	$-121M	$-190M	$114M	$-112M	$-102M	$451M	$369M	$133M	$158M
Net Change in Cash	$2M	$-139M	$104M	$7M	$40M	$-91M	$33M	$51M	$-23M	$-255M	$-49M	$-38M	$328M	$-3M	$-18M	$-22M
Free Cash Flow	$23M	·	·	·	$-4M	·	·	·	$45M	·	·	·	$22M	·	·	·
Levered FCF	·	·	·	·	·	·	·	·	$-10M	·	·	·	$-8M	·	·	·

Redditività 5

Dati trimestrali Redditività per OCFC
Metrica	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Net Margin	19.9%	·	16.8%	19.2%	22.0%	·	25.9%	26.1%	29.1%	·	20.3%	27.5%	27.6%	·	34.8%	29.4%
Pretax Margin	26.2%	·	21.9%	25.0%	28.9%	·	33.7%	33.8%	39.8%	·	26.5%	36.5%	36.2%	·	46.0%	39.1%
EBITDA Margin	2.6%	·	·	·	2.6%	·	·	·	2.9%	·	·	·	3.1%	·	·	·
ROA	0.15%	·	0.12%	0.14%	0.16%	·	0.19%	0.18%	0.21%	·	0.16%	0.21%	0.22%	·	0.32%	0.24%
ROE	1.2%	·	1.0%	1.1%	1.3%	·	1.5%	1.5%	1.8%	·	1.3%	1.8%	1.8%	·	2.5%	1.9%

Efficienza 1

Dati trimestrali Efficienza per OCFC
Metrica	Tendenza	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Asset Turnover		0.0	·	0.0	0.0	0.0	·	0.0	0.0	0.0	·	0.0	0.0	0.0	·	0.0	0.0

Per Azione 5

Dati trimestrali Per Azione per OCFC
Metrica	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Book Value / Share	$28.98	·	$28.80	$28.63	$29.26	·	$29.00	$28.66	$28.31	·	$27.55	$27.35	$27.06	·	$26.03	$25.71
Revenue / Share	$1.81	·	$1.81	$1.72	$1.68	·	$1.67	$1.60	$1.68	·	$1.72	$1.71	$1.71	·	$1.89	$1.67
Cash Flow / Share	$0.44	·	·	·	$-0.03	·	·	·	$0.78	·	·	·	$0.41	·	·	·
Dividend / Share	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
EPS (TTM)	$1.29	·	$1.35	$1.45	$1.64	·	$1.62	$1.65	$1.71	·	$1.88	$2.02	$1.99	·	$1.92	$1.77

Valutazione (TTM) 11

Dati trimestrali Valutazione (TTM) per OCFC
Metrica	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Revenue TTM	$403M	·	$397M	$387M	$387M	·	$390M	$395M	$402M	·	$415M	$411M	$403M	·	$390M	$364M
Net Income TTM	$78M	·	$83M	$90M	$100M	·	$99M	$102M	$105M	·	$115M	$123M	$121M	·	$117M	$109M
Market Cap	$1.04B	·	$1.01B	$1.01B	$993M	·	$1.09B	$929M	$965M	·	$860M	$928M	$1.10B	·	$1.10B	$1.13B
P/E	14.0	·	13.0	12.1	10.4	·	11.5	9.6	9.6	·	7.7	7.7	9.3	·	9.7	10.8
P/S	2.6	·	2.5	2.6	2.6	·	2.8	2.4	2.4	·	2.1	2.3	2.7	·	2.8	3.1
P/B	0.6	·	0.6	0.6	0.6	·	0.6	0.6	0.6	·	0.5	0.6	0.7	·	0.7	0.7
P / Tangible Book	0.9	·	0.9	0.9	0.8	·	0.9	0.8	0.8	·	0.8	0.8	1.0	·	1.1	1.1
P / Cash Flow	41.2	·	·	·	-556.0	·	·	·	20.9	·	·	·	45.1	·	·	·
P / FCF	44.7	·	·	·	-272.7	·	·	·	21.2	·	·	·	49.5	·	·	·
Earnings Yield	7.1%	·	7.7%	8.2%	9.6%	·	8.7%	10.4%	10.4%	·	13.0%	12.9%	10.8%	·	10.3%	9.2%
Payout Ratio	55.9%	·	·	·	59.0%	·	·	·	44.8%	·	·	·	45.8%	·	·	·

Bilanci Conto economico, stato patrimoniale, flusso di cassa — annuale, ultimi 5 anni

Conto Economico

	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Utile netto	$71M	$100M	$104M	$147M	$110M
EPS Diluito	$1.17	$1.65	$1.70	$2.42	$1.78

Flusso di cassa

	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Flusso di cassa libero	$80M	$85M	$117M	$234M	$118M

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