正面比较：第一海岸银行(纳斯达克：FSEA)和海洋第一金融(纳斯达克：OFFC)

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

Risk and Volatility

First Seacoast Bancorp has a beta of 0.47, suggesting that its share price is 53% less volatile than the S&P 500. Comparatively, OceanFirst Financial has a beta of 0.86, suggesting that its share price is 14% less volatile than the S&P 500.

Get First Seacoast Bancorp alerts:

Earnings and Valuation

This table compares First Seacoast Bancorp and OceanFirst Financial's top-line revenue, earnings per share and valuation.

OceanFirst Financial has higher revenue and earnings than First Seacoast Bancorp. OceanFirst Financial is trading at a lower price-to-earnings ratio than First Seacoast Bancorp, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares First Seacoast Bancorp and OceanFirst Financial's net margins, return on equity and return on assets.

Insider and Institutional Ownership

6.4% of First Seacoast Bancorp shares are held by institutional investors. Comparatively, 69.8% of OceanFirst Financial shares are held by institutional investors. 1.4% of First Seacoast Bancorp shares are held by company insiders. Comparatively, 4.9% of OceanFirst Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for First Seacoast Bancorp and OceanFirst Financial, as provided by MarketBeat.com.

OceanFirst Financial has a consensus target price of $25.00, suggesting a potential upside of 17.65%. Given OceanFirst Financial's higher possible upside, analysts plainly believe OceanFirst Financial is more favorable than First Seacoast Bancorp.

Summary

OceanFirst Financial beats First Seacoast Bancorp on 11 of the 13 factors compared between the two stocks.

About First Seacoast Bancorp

(Get Rating)

First Seacoast Bancorp, Inc. operates as the holding company for First Seacoast Bank that provides commercial and consumer banking services for individuals and businesses. The company offers interest-bearing and non-interest-bearing checking, savings, and money market accounts, as well as time deposits. It also provides various lending products comprising one- to four-family residential real estate loans; commercial real estate and multi-family loans; acquisition, development, and land loans; commercial and industrial loans; home equity loans and lines of credit; and consumer loans. In addition, the company offers wealth management services, such as retirement planning, portfolio management, investment and insurance strategies, business retirement plans, and college planning services. It operates four full-service banking offices in Strafford County, New Hampshire; and one full-service banking office in Rockingham County, New Hampshire. The company was founded in 1890 and is headquartered in Dover, New Hampshire. First Seacoast Bancorp, Inc. operates as a subsidiary of First Seacoast Bancorp, MHC.

About OceanFirst Financial

(Get Rating)

OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A. that provides community banking services. It accepts money market accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing demand deposits, and time deposits to retail, government, and business customers. The company also offers commercial real estate, multi-family, land loans, construction, and commercial and industrial loans; fixed-rate and adjustable-rate mortgage loans that are secured by one-to-four family residences; and 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. In addition, it invests in mortgage-backed securities, securities issued by the U.S. Government and agencies, corporate securities, and other investments. Further, the company offers bankcard, wealth management, and trust and asset management services; and sells alternative investment products and life insurance products. As of December 31, 2021, it operated through its branch office in Toms River; administrative office located in Red Bank and Mount Laurel; 46 additional branch offices and four deposit production facilities located throughout central and southern New Jersey; and commercial loan production offices in New Jersey, New York City, the Philadelphia area, Baltimore, and Boston. The company was founded in 1902 and is based in Red Bank, New Jersey.

Receive News & Ratings for First Seacoast Bancorp Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for First Seacoast Bancorp and related companies with MarketBeat.com's FREE daily email newsletter.