OceanFirst Financial [OCFC] vs PNC Financial [PNC] Detailed Stock Comparison

OceanFirst Financial Corp.

NASDAQ
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PNC Financial Services Group, Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: OceanFirst Financial Corp. wins in 5 metrics, PNC Financial Services Group, Inc. wins in 14 metrics, with 0 ties. PNC Financial Services Group, Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric OceanFirst Financial Corp. PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 16.15 12.56 PNC Financial Services Group, Inc.
Price-to-Book Ratio 0.65 1.39 OceanFirst Financial Corp.
Debt-to-Equity Ratio 1.07 1.12 OceanFirst Financial Corp.
PEG Ratio -0.45 11.84 PNC Financial Services Group, Inc.
Profit Margin (TTM) 18.26% 28.75% PNC Financial Services Group, Inc.
Operating Margin (TTM) 32.15% 35.28% PNC Financial Services Group, Inc.
EBITDA Margin (TTM) 32.15% 35.28% PNC Financial Services Group, Inc.
Return on Equity 4.22% 11.33% PNC Financial Services Group, Inc.
Return on Assets (TTM) 0.51% 1.09% PNC Financial Services Group, Inc.
Free Cash Flow (TTM) $79.51M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 5.45% 3.02% OceanFirst Financial Corp.
1-Year Return 11.78% 27.22% PNC Financial Services Group, Inc.
Price-to-Sales Ratio (TTM) 2.79 3.35 OceanFirst Financial Corp.
Enterprise Value $2.67B $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 6.87 6.11 PNC Financial Services Group, Inc.
Revenue per Share (TTM) $7 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $1.17 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.98 1.07 OceanFirst Financial Corp.
Short % of Float 9.24% 1.26% PNC Financial Services Group, Inc.

OceanFirst Financial Corp. vs PNC Financial Services Group, Inc. Stock Performance Analysis

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OCFC
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
OceanFirst Financial Corp.2.65%-7.81%-5.76%-6.37%-10.71%-2.75%
PNC Financial Services Group, Inc.4.04%-1.15%0.11%2.45%10.24%3.22%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
OceanFirst Financial Corp.11.78%21.62%-15.40%2.23%42.89%-14.82%
PNC Financial Services Group, Inc.27.22%78.93%13.98%149.66%272.63%219.68%

Performance & Financial Health Analysis: OceanFirst Financial Corp. vs PNC Financial Services Group, Inc.

MetricOCFCPNC
Market Information
Market Cap i$1.09B$70.31B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i536,4511,904,080
90 Day Avg. Volume i652,2301,960,760
Last Close$17.81$227.08
52 Week Range$16.09 - $20.61$172.73 - $243.94
% from 52W High-13.59%-6.91%
All-Time High$30.90 (Jun 18, 2018)$243.94 (Feb 06, 2026)
% from All-Time High-42.36%-6.91%
Growth Metrics
Quarterly Revenue Growth0.10%0.05%
Quarterly Earnings Growth-0.40%0.11%
Financial Health
Profit Margin (TTM) i0.18%0.29%
Operating Margin (TTM) i0.32%0.35%
Return on Equity (TTM) i0.04%0.11%
Debt to Equity (MRQ) i1.071.12
Cash & Liquidity
Book Value per Share (MRQ)$29.00$127.98
Cash per Share (MRQ)$3.37$27.54
Operating Cash Flow (TTM) i$87.21M$5.61B
Levered Free Cash Flow (TTM) i$67.13M$5.50B
Dividends
Last 12-Month Dividend Yield i5.45%3.02%
Last 12-Month Dividend i$1.00$6.70

Valuation & Enterprise Metrics Analysis: OceanFirst Financial Corp. vs PNC Financial Services Group, Inc.

MetricOCFC (Apr 24, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i16.1512.56
Forward P/E i7.7611.84
PEG Ratio i-0.4511.84
Price to Sales (TTM) i2.793.35
Price to Book (MRQ) i0.651.39
Market Capitalization
Market Capitalization i$1.09B$70.31B
Enterprise Value i$2.67B$128.31B
Enterprise Value Metrics
Enterprise to Revenue i6.876.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.981.07
Book Value per Share (MRQ) i$29.00$127.98

Financial Statements Comparison: OceanFirst Financial Corp. vs PNC Financial Services Group, Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricOCFC (2025)PNC (2024)
Revenue/Sales i400.34M20.81B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i92.52M7.24B
Pre-Tax Income % of Revenue i23.1%34.8%
Income Tax i21.49M1.29B
Income Tax % of Revenue i5.4%6.2%
Net Income (Profit) i71.03M5.95B
Profit Margin i17.7%28.6%

Balance Sheet & Liquidity Metrics

MetricOCFC (2025)PNC (2024)
Cash & Equivalents i135.13M46.25B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i1.58B61.67B
Long-Term Debt % of Revenue i394.7%296.4%
Total Shareholders Equity i1.66B54.47B
Retained Earnings i662.62M59.28B
Retained Earnings % of Revenue i165.5%284.9%
Property, Plant & Equipment i5.52MN/A

Cash Flow Statement Comparison

MetricOCFC (2025)PNC (2024)
Operating Cash Flow i83.51M7.96B
Operating Cash Flow % of Revenue i20.9%38.3%
Capital Expenditures i-7.70MN/A
Free Cash Flow i79.51M7.88B
FCF Margin i19.9%37.9%
Debt Repayment i-125.00M-23.75B
Common Stock Repurchase i-82.28M-1.19B

Short Interest & Institutional Ownership Analysis

MetricOCFCPNC
Shares Short i5.13M4.98M
Short Ratio i7.572.41
Short % of Float i9.24%1.26%
Shares Outstanding i57.39M395.94M
Float Shares i55.23M392.38M
% Held by Insiders i3.25%0.38%
% Held by Institutions i83.93%85.29%
% Held by Public i12.82%14.33%

Dividend Analysis & Yield Comparison: OceanFirst Financial Corp. vs PNC Financial Services Group, Inc.

MetricOCFCPNC
Last 12-Month Dividend i$1.00$6.70
Last 12-Month Dividend Yield i5.45%3.02%
3-Year Avg Annual Dividend i$0.87$6.40
3-Year Avg Dividend Yield i1.19%1.00%
3-Year Total Dividends i$2.60$19.20
Ex-Dividend DateFeb 02, 2026Jan 20, 2026