OceanFirst Financial Corp (OCFC)vsU.S. Bancorp (USB)
OCFC
OceanFirst Financial Corp
$17.63
-0.40%
FINANCIAL SERVICES · Cap: $1.00B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 6679% more annual revenue ($26.35B vs $388.75M). USB leads profitability with a 28.7% profit margin vs 18.3%. OCFC appears more attractively valued with a PEG of 1.15. USB earns a higher WallStSmart Score of 75/100 (B).
OCFC
Buy62
out of 100
Grade: C+
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-142.5%
Fair Value
$7.96
Current Price
$17.63
$9.67 premium
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 32.2%
Attractively priced relative to earnings
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Smaller company, higher risk/reward
ROE of 4.2% — below average capital efficiency
Elevated debt levels
Earnings declined 36.2%
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : OCFC
The strongest argument for OCFC centers on Price/Book, Operating Margin, P/E Ratio. Profitability is solid with margins at 18.3% and operating margin at 32.2%. PEG of 1.15 suggests the stock is reasonably priced for its growth.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : OCFC
The primary concerns for OCFC are Market Cap, Return on Equity, Debt/Equity.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
USB carries more volatility with a beta of 1.04 — expect wider price swings.
OCFC is growing revenue faster at 9.7% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (75/100 vs 62/100), backed by strong 28.7% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
OceanFirst Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
OceanFirst Financial Corp. The company is headquartered in Red Bank, New Jersey.
Visit Website →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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