Five Star Bancorp (FSBC) vs OceanFirst Financial Corp. (OCFC)
A side-by-side comparison of Five Star Bancorp 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 — FSBC vs OCFC
growth of $100 · dividends reinvested · last 10yFSBC vs OCFC: by the numbers
- •FSBC is the larger company ($1.05B vs $1.02B market cap).
- •FSBC trades at the lower trailing earnings multiple (12.86 vs 19.94 P/E), one valuation lens rather than an overall verdict.
- •FSBC converts more revenue to profit (25.88% vs 6.77% net margin).
- •FSBC grew revenue faster over the past five years (26.69% vs 11.24% CAGR).
- •OCFC pays the higher dividend yield (4.76% vs 2.19%).
Metrics side by side
Valuation
| Metric | FSBC | OCFC |
|---|---|---|
| P/E ratio | 12.86 | 19.94 |
| Forward P/E | 12.42 | 9.60 |
| PEG ratio | 2.30 | 7.17 |
| P/S ratio | 3.77 | 1.44 |
| P/B ratio | 2.21 | 0.42 |
Profitability
| Metric | FSBC | OCFC |
|---|---|---|
| Operating margin | 34.63% | 9.04% |
| Net margin | 25.88% | 6.77% |
| ROE | 15.20% | 1.99% |
Five Star Bancorp: 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 | FSBC | OCFC |
|---|---|---|
| Dividend yield | 2.19% | 4.76% |
| Payout ratio | 28.11% | 94.46% |
Growth (annualized)
| Metric | FSBC | OCFC |
|---|---|---|
| Revenue CAGR (5Y) | 26.69% | 11.24% |
| EPS CAGR (5Y) | 5.59% | 2.78% |
| Total return CAGR (5Y) | 15.10% | -0.94% |
Frequently asked
- Which has the lower trailing P/E, FSBC or OCFC?
- FSBC has the lower trailing P/E: FSBC trades at 12.86 and OCFC at 19.94. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, FSBC or OCFC?
- Over the past five years, FSBC grew revenue faster — FSBC at a 26.69% CAGR versus OCFC at 11.24%.
- Does FSBC or OCFC pay a bigger dividend?
- FSBC yields 2.19% and OCFC yields 4.76% based on trailing dividends and the latest price.
- Is FSBC or OCFC more profitable?
- FSBC runs the higher net margin — FSBC at 25.88% versus OCFC at 6.77%.
- How have FSBC and OCFC total returns compared?
- Over the past 10 years, FSBC delivered 14.90% and OCFC delivered 2.26% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Five Star Bancorp & 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.