OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A. that provides community banking services to retail and commercial customers in the United States. The company accepts deposit products, such as money market accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing accounts, and time deposits, including brokered deposits. It also offers commercial real estate, multi-family, land loans, construction, …
Full OCFC analysis →
Competitive advantage assessment
Key risks
Capital Adequacy ConcernsCapital adequacy is concerning (score 0.16).
OceanFirst Financial Corp. ranks #331 of 393
scored companies in Banks - Regional by moat score — the top 84%.
The widest moat in the group is 1st Source Corporation (SRCE)
at 86/100.
Moat scores for companies ranked near OCFC in Banks - Regional
A deposit franchise is the cheapest and most valuable thing a bank can own.
Lending Advantage
Not measurable
· 18% of the moat score
Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.
Capital Strength
Score 15
· 20% of the moat score
Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.
Cost Discipline
Not measurable
· 16% of the moat score
Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.
Revenue Diversification
Score 32
· 14% of the moat score
A bank earning everything from net interest income is a leveraged bet on the rate cycle.
Risk Management
Score 12
· 10% of the moat score
Risk management is the defense that only reveals itself late.
OceanFirst Financial Corp. (OCFC) scores 25 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as developing. It ranks #331 of 393 scored companies in Banks - Regional, the top 84%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Deposit Franchise (33/100) and its weakest is Risk Management (12/100).
How does OceanFirst Financial Corp. compare with other Banks - Regional companies?
OceanFirst Financial Corp. ranks #331 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are Hope Bancorp, Inc. (HOPE) at 25 just above it and The First of Long Island Corpor (FLIC) at 25 just below it.
How is the moat score calculated?
Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.
Why is OceanFirst Financial Corp. scored with the Bank Specialized template?
A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.
Which competitive defenses are measured for OceanFirst Financial Corp.?
The Bank Specialized template measures 6 defenses, and OCFC scores: Deposit Franchise (33), Lending Advantage (not measurable), Capital Strength (15), Cost Discipline (not measurable), Revenue Diversification (32), Risk Management (12). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.
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