On the stock market since 1996, it operates in the world of money and finance. It has 926 employees. Now — the numbers.
This is an established company with proven profits.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
Average growth of 14% a year over the last 4 years. Every year shown ended in profit.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Clearly below the class average.
Clearly below the class average.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
Business Quality: Profit power and business quality trail similar companies in the sector.
The stock trades 23% below its peak. The market has trimmed its expectations for the company.
Over the last 3 years, sales grew about 11% a year on average.
It met or beat analyst expectations in 7 of the last 8 quarters — consistency is a promise kept.
Over the last 12 months, company executives reported 34 buys and 22 sells. Management buying with its own money is usually read as a good sign.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 25/100.
Measured against its sector, the quality of the business sits below the class average. Report-card grade: 46/100.
The growth engine is running at low revs right now. Report-card grade: 46/100.
On our five-subject report card, OCFC sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: OCFC is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.