OceanFirst Financial [OCFC] vs U.S. Bancorp [USB] Detailed Stock Comparison

OceanFirst Financial Corp.

NASDAQ
Loading...

U.S. Bancorp

NYSE
Loading...

TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: OceanFirst Financial Corp. wins in 5 metrics, U.S. Bancorp wins in 14 metrics, with 0 ties. U.S. Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric OceanFirst Financial Corp. U.S. Bancorp Better
P/E Ratio (TTM) 16.15 11.92 U.S. Bancorp
Price-to-Book Ratio 0.65 1.51 OceanFirst Financial Corp.
Debt-to-Equity Ratio 1.07 1.21 OceanFirst Financial Corp.
PEG Ratio -0.45 0.82 U.S. Bancorp
Profit Margin (TTM) 18.26% 29.29% U.S. Bancorp
Operating Margin (TTM) 32.15% 37.84% U.S. Bancorp
EBITDA Margin (TTM) 32.15% 37.84% U.S. Bancorp
Return on Equity 4.22% 12.35% U.S. Bancorp
Return on Assets (TTM) 0.51% 1.14% U.S. Bancorp
Free Cash Flow (TTM) $79.51M $7.97B U.S. Bancorp
Dividend Yield 5.45% 3.82% OceanFirst Financial Corp.
1-Year Return 11.78% 25.83% U.S. Bancorp
Price-to-Sales Ratio (TTM) 2.79 3.32 OceanFirst Financial Corp.
Enterprise Value $2.67B $126.46B U.S. Bancorp
EV/Revenue Ratio 6.87 4.75 U.S. Bancorp
Revenue per Share (TTM) $7 $17 U.S. Bancorp
Earnings per Share (Diluted) $1.17 $4.77 U.S. Bancorp
Beta (Stock Volatility) 0.98 1.03 OceanFirst Financial Corp.
Short % of Float 9.24% 0.00% U.S. Bancorp

OceanFirst Financial Corp. vs U.S. Bancorp Stock Performance Analysis

Loading Price Chart...

OCFC
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
OceanFirst Financial Corp.2.65%-7.81%-5.76%-6.37%-10.71%-2.75%
U.S. Bancorp4.37%-2.83%-3.80%-1.57%4.34%-1.46%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
OceanFirst Financial Corp.11.78%21.62%-15.40%2.23%42.89%-14.82%
U.S. Bancorp25.83%72.81%-9.74%29.45%123.42%73.14%

Performance & Financial Health Analysis: OceanFirst Financial Corp. vs U.S. Bancorp

MetricOCFCUSB
Market Information
Market Cap i$1.09B$88.06B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i536,4519,829,002
90 Day Avg. Volume i652,23010,401,007
Last Close$17.81$55.46
52 Week Range$16.09 - $20.61$42.55 - $61.19
% from 52W High-13.59%-9.36%
All-Time High$30.90 (Jun 18, 2018)$63.57 (Jan 10, 2022)
% from All-Time High-42.36%-12.76%
Growth Metrics
Quarterly Revenue Growth0.10%0.05%
Quarterly Earnings Growth-0.40%0.14%
Financial Health
Profit Margin (TTM) i0.18%0.29%
Operating Margin (TTM) i0.32%0.38%
Return on Equity (TTM) i0.04%0.12%
Debt to Equity (MRQ) i1.071.21
Cash & Liquidity
Book Value per Share (MRQ)$29.00$37.54
Cash per Share (MRQ)$3.37$31.14
Operating Cash Flow (TTM) i$87.21M$6.04B
Levered Free Cash Flow (TTM) i$67.13M$7.19B
Dividends
Last 12-Month Dividend Yield i5.45%3.82%
Last 12-Month Dividend i$1.00$2.04

Valuation & Enterprise Metrics Analysis: OceanFirst Financial Corp. vs U.S. Bancorp

MetricOCFC (Apr 24, 2026)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i16.1511.92
Forward P/E i7.7610.09
PEG Ratio i-0.450.82
Price to Sales (TTM) i2.793.32
Price to Book (MRQ) i0.651.51
Market Capitalization
Market Capitalization i$1.09B$88.06B
Enterprise Value i$2.67B$126.46B
Enterprise Value Metrics
Enterprise to Revenue i6.874.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.981.03
Book Value per Share (MRQ) i$29.00$37.54

Financial Statements Comparison: OceanFirst Financial Corp. vs U.S. Bancorp

Financial Metrics

Loading Financial Charts...

Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricOCFC (2025)USB (2025)
Revenue/Sales i400.34M28.54B
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 i92.52M9.52B
Pre-Tax Income % of Revenue i23.1%33.3%
Income Tax i21.49M1.92B
Income Tax % of Revenue i5.4%6.7%
Net Income (Profit) i71.03M7.60B
Profit Margin i17.7%26.6%

Balance Sheet & Liquidity Metrics

MetricOCFC (2025)USB (2025)
Cash & Equivalents i135.13M46.89B
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 i1.58B60.76B
Long-Term Debt % of Revenue i394.7%212.9%
Total Shareholders Equity i1.66B65.65B
Retained Earnings i662.62M80.91B
Retained Earnings % of Revenue i165.5%283.5%
Property, Plant & Equipment i5.52M1.51B

Cash Flow Statement Comparison

MetricOCFC (2025)USB (2025)
Operating Cash Flow i83.51M6.04B
Operating Cash Flow % of Revenue i20.9%21.2%
Capital Expenditures i-7.70MN/A
Free Cash Flow i79.51M7.97B
FCF Margin i19.9%27.9%
Debt Repayment i-125.00M-9.05B
Common Stock Repurchase i-82.28M-489.00M

Short Interest & Institutional Ownership Analysis

MetricOCFCUSB
Shares Short i5.13M27,002
Short Ratio i7.570.00
Short % of Float i9.24%0.00%
Shares Outstanding i57.39M1.56B
Float Shares i55.23M1.55B
% Held by Insiders i3.25%0.14%
% Held by Institutions i83.93%83.55%
% Held by Public i12.82%16.31%

Dividend Analysis & Yield Comparison: OceanFirst Financial Corp. vs U.S. Bancorp

MetricOCFCUSB
Last 12-Month Dividend i$1.00$2.04
Last 12-Month Dividend Yield i5.45%3.82%
3-Year Avg Annual Dividend i$0.87$1.98
3-Year Avg Dividend Yield i1.19%1.19%
3-Year Total Dividends i$2.60$5.95
Ex-Dividend DateFeb 02, 2026Dec 31, 2025