Esquire Financial Holdings, Inc. (ESQ) vs OceanFirst Financial Corp. (OCFC)
A side-by-side comparison of Esquire Financial Holdings, Inc. and OceanFirst Financial Corp. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — ESQ vs OCFC
growth of $100 · dividends reinvested · last 9yESQ vs OCFC: by the numbers
- •OCFC is the larger company ($1.01B vs $1.01B market cap).
- •ESQ trades at the lower trailing earnings multiple (19.21 vs 19.78 P/E), one valuation lens rather than an overall verdict.
- •ESQ converts more revenue to profit (29.32% vs 6.77% net margin).
- •ESQ grew revenue faster over the past five years (24.48% vs 11.24% CAGR).
- •OCFC pays the higher dividend yield (4.76% vs 0.66%).
Metrics side by side
Valuation
| Metric | ESQ | OCFC |
|---|---|---|
| P/E ratio | 19.21 | 19.78 |
| Forward P/E | 16.78 | 9.52 |
| PEG ratio | 0.66 | 7.11 |
| P/S ratio | 5.59 | 1.43 |
| P/B ratio | 3.21 | 0.42 |
Profitability
| Metric | ESQ | OCFC |
|---|---|---|
| Operating margin | 40.57% | 9.04% |
| Net margin | 29.32% | 6.77% |
| ROE | 16.81% | 1.99% |
Esquire Financial Holdings, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
OceanFirst Financial Corp.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | ESQ | OCFC |
|---|---|---|
| Dividend yield | 0.66% | 4.76% |
| Payout ratio | 12.79% | 94.46% |
Growth (annualized)
| Metric | ESQ | OCFC |
|---|---|---|
| Revenue CAGR (5Y) | 24.48% | 11.24% |
| EPS CAGR (5Y) | 29.96% | 2.78% |
| Total return CAGR (5Y) | 32.17% | -0.94% |
Frequently asked
- Which has the lower trailing P/E, ESQ or OCFC?
- ESQ has the lower trailing P/E: ESQ trades at 19.21 and OCFC at 19.78. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, ESQ or OCFC?
- Over the past five years, ESQ grew revenue faster — ESQ at a 24.48% CAGR versus OCFC at 11.24%.
- Does ESQ or OCFC pay a bigger dividend?
- ESQ yields 0.66% and OCFC yields 4.76% based on trailing dividends and the latest price.
- Is ESQ or OCFC more profitable?
- ESQ runs the higher net margin — ESQ at 29.32% versus OCFC at 6.77%.
- How have ESQ and OCFC total returns compared?
- Over the past 5 years, ESQ delivered 32.17% and OCFC delivered -0.94% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Esquire Financial & OceanFirst Financial appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.