Financial Survey: OceanFirst Financial (NASDAQ:OCFC) & FSB Bancorp (NASDAQ:FSBC)

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OceanFirst Financial (NASDAQ:OCFC) and FSB Bancorp (NASDAQ:FSBC) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their dividends, valuation, risk, earnings, profitability, institutional ownership and analyst recommendations.

Analyst Ratings

This is a summary of current ratings for OceanFirst Financial and FSB Bancorp, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
OceanFirst Financial 0 4 2 0 2.33
FSB Bancorp 0 0 0 0 N/A

OceanFirst Financial presently has a consensus target price of $25.25, suggesting a potential upside of 19.16%. Given OceanFirst Financial’s higher possible upside, equities research analysts plainly believe OceanFirst Financial is more favorable than FSB Bancorp.

Profitability

This table compares OceanFirst Financial and FSB Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
OceanFirst Financial 27.15% 9.53% 1.32%
FSB Bancorp -0.30% -0.15% -0.01%

Dividends

OceanFirst Financial pays an annual dividend of $0.68 per share and has a dividend yield of 3.2%. FSB Bancorp does not pay a dividend. OceanFirst Financial pays out 34.3% of its earnings in the form of a dividend. OceanFirst Financial has increased its dividend for 5 consecutive years.

Valuation & Earnings

This table compares OceanFirst Financial and FSB Bancorp’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
OceanFirst Financial $311.48 million 3.48 $71.93 million $1.98 10.70
FSB Bancorp $15.26 million 2.18 $140,000.00 N/A N/A

OceanFirst Financial has higher revenue and earnings than FSB Bancorp.

Institutional and Insider Ownership

68.6% of OceanFirst Financial shares are owned by institutional investors. Comparatively, 21.0% of FSB Bancorp shares are owned by institutional investors. 3.6% of OceanFirst Financial shares are owned by company insiders. Comparatively, 9.2% of FSB Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Risk and Volatility

OceanFirst Financial has a beta of 0.73, meaning that its share price is 27% less volatile than the S&P 500. Comparatively, FSB Bancorp has a beta of 0.89, meaning that its share price is 11% less volatile than the S&P 500.

Summary

OceanFirst Financial beats FSB Bancorp on 11 of the 14 factors compared between the two stocks.

OceanFirst Financial Company Profile

OceanFirst Financial Corp. operates as the holding company for OceanFirst Bank N.A. that provides a range of community banking services. The company offers various deposit products to retail, government, and business customers, including money market accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing accounts, and time deposits. It also provides commercial real estate, multi-family mortgage, and land loans; fixed-rate and adjustable-rate mortgage loans that are secured by one-to-four family residences; consumer loans, such as home equity loans and lines of credit, student loans, overdraft line of credit, loans on savings accounts, and other consumer loans; and commercial and industrial loans, and lines of credit. In addition, the company invests in mortgage-backed securities, securities issued by the U.S. Government and agencies, corporate securities, and other investments. Further, it offers bankcard and wealth management services; and sells alternative investment products and life insurance products. The company operates through its branch office in Toms River; administrative office located in Red Bank; and 58 additional branch offices and 3 deposit production facilities located throughout central and southern New Jersey, as well as commercial loan production offices in New York City, the Philadelphia area and Atlantic, Cape May, and Mercer Counties in New Jersey. OceanFirst Financial Corp. was founded in 1902 and is based in Red Bank, New Jersey.

FSB Bancorp Company Profile

FSB Bancorp, Inc. operates as the bank holding company for Fairport Savings Bank that provides various financial services to individuals and corporate customers in Monroe County, New York. The company accepts savings, negotiable order of withdrawal, money market, and individual retirement accounts, as well as certificates of deposit and non-interest-bearing demand deposits. It also originates one- to four-family residential real estate mortgages, and home equity lines of credit, as well as commercial real estate, multi-family, construction, and commercial and industrial loans; and other loans consisting of automobile, passbook, overdraft protection, and unsecured loans. In addition, the company offers investment advisory services, such as annuities, insurance products, and mutual funds. It operates through four branch offices located in Penfield, Irondequoit, Webster, and Perinton, New York; and loan origination offices in Pittsford and Greece in the Rochester metropolitan area, as well as in Buffalo and Watertown, New York. The company was formerly known as FSB Community Bankshares, Inc. and changed its name to FSB Bancorp, Inc. in July 2016. FSB Bancorp, Inc. was founded in 1888 and is headquartered in Fairport, New York.

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