Horizon Bancorp, Inc. (HBNC) vs OceanFirst Financial Corp. (OCFC)
A side-by-side comparison of Horizon Bancorp, 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 — HBNC vs OCFC
growth of $100 · dividends reinvested · last 10yHBNC vs OCFC: by the numbers
- •OCFC is the larger company ($1.02B vs $998M market cap).
- •OCFC is profitable (6.77% net margin) while HBNC runs a net loss (-150.89%).
- •OCFC grew revenue faster over the past five years (11.24% vs -17.66% CAGR).
- •OCFC pays the higher dividend yield (4.76% vs 3.33%).
Metrics side by side
Valuation
| Metric | HBNC | OCFC |
|---|---|---|
| P/E ratio | N/A | 19.90 |
| Forward P/E | 9.14 | 9.57 |
| PEG ratio | N/A | 7.16 |
| P/S ratio | 10.46 | 1.44 |
| P/B ratio | 1.37 | 0.42 |
Profitability
| Metric | HBNC | OCFC |
|---|---|---|
| Operating margin | -197.96% | 9.04% |
| Net margin | -150.89% | 6.77% |
| ROE | -19.83% | 1.99% |
Horizon Bancorp, 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 | HBNC | OCFC |
|---|---|---|
| Dividend yield | 3.33% | 4.76% |
| Payout ratio | N/A | 94.46% |
Growth (annualized)
| Metric | HBNC | OCFC |
|---|---|---|
| Revenue CAGR (5Y) | -17.66% | 11.24% |
| EPS CAGR (5Y) | N/A | 2.78% |
| Total return CAGR (5Y) | 5.42% | -0.94% |
Frequently asked
- Which has grown faster, HBNC or OCFC?
- Over the past five years, OCFC grew revenue faster — HBNC at a -17.66% CAGR versus OCFC at 11.24%.
- Does HBNC or OCFC pay a bigger dividend?
- HBNC yields 3.33% and OCFC yields 4.76% based on trailing dividends and the latest price.
- Is HBNC or OCFC more profitable?
- OCFC runs the higher net margin — HBNC at -150.89% versus OCFC at 6.77%.
- How have HBNC and OCFC total returns compared?
- Over the past 10 years, HBNC delivered 7.82% and OCFC delivered 2.26% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Horizon 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.