` Comparison: OCFC vs TFC - Alpha Spread
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OCFC
vs
TFC

Over the past 12 months, OCFC has underperformed TFC, delivering a return of +9% compared to the TFC's +17% growth.

Valuation Growth Profitability Solvency Stocks Performance
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OCFC
TFC
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Stocks Compared:
OCFC TFC
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Valuation Comparison

OCFC Intrinsic Value
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TFC Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
OceanFirst Financial Corp
NASDAQ:OCFC
19.61 USD
Truist Financial Corp
NYSE:TFC
55.075 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
OCFC, TFC

OCFC
TFC
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
OceanFirst Financial Corp
Revenue
Truist Financial Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
OCFC, TFC

OCFC
TFC
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
OceanFirst Financial Corp
NASDAQ:OCFC
FCF is not applicable for financial companies
Truist Financial Corp
NYSE:TFC
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

OCFC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
OceanFirst Financial Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

OCFC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
OceanFirst Financial Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

OCFC
16.6%
TFC
24.5%

FCF Margin

OCFC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
OceanFirst Financial Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

OCFC
4%
TFC
7.7%

ROA

OCFC
0.5%
TFC
0.9%

ROIC

OCFC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
OceanFirst Financial Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

OCFC
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
OceanFirst Financial Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Solvency Comparison

OceanFirst Financial Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Truist Financial Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
OCFC, TFC

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OCFC
TFC
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Performance Gap
OCFC, TFC

Performance Gap Between OCFC and TFC
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Performance By Year
OCFC, TFC

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OCFC
TFC
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