OceanFirst vs New Mountain Finance

This page compares OceanFirst Financial Corp and New Mountain Finance Corp, outlining their business models, financial performance, and the market context in which they operate. The goal is to present neutral, accessible information to help readers understand each company's approach and position, without offering advice or recommendations. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

OCFC

Metric

NMFC

$1.03B

Market Cap

$933.56M

12.10%

Potential Profit

15.54%

Buy

Analyst Rating

Hold

Investment Analysis

OceanFirst

OCFC

Pros

Demonstrated 14% annualized loan growth with $1 billion in loan originations, highlighting strong commercial and industrial lending expansion.
Maintains a stable net interest margin of 2.91% and achieved a $3 million quarter-over-quarter increase in net interest income.
Has a long history of dividend payments, consistently paying dividends for 29 consecutive years with an attractive yield of 4.52%.

Considerations

Q3 2025 earnings per share of $0.30 missed analyst estimates by 14.29%, indicating some short-term earnings pressure.
Equity valuation is considered 22% overvalued relative to recent price gains, suggesting limited near-term upside from current levels.
Reported relatively low return on equity at 4.15% in 2025, indicating moderate profitability compared to peers.

New Mountain Finance

NMFC

Pros

Reported strong third quarter net investment income of $0.32 per share and declared a fourth quarter distribution at the same rate.
Portfolio quality is robust with approximately 95% of the portfolio rated green internally and a focus on senior-oriented assets increased to 80%.
Active shareholder value strategies including a $100 million authorized stock repurchase plan to enhance financial flexibility.

Considerations

Net asset value per share declined slightly from $12.21 to $12.06 over the last quarter, indicating modest NAV erosion.
Business development company structure exposes the stock to higher regulatory complexity and reliance on debt financing.
Exploration of secondary portfolio sales up to $500 million reflects ongoing efforts to reduce payment-in-kind income, which may signal portfolio risk.

About The Companies

OceanFirst (OCFC)

OceanFirst Financial Corp is the parent company of OceanFirst Bank, a regional community bank serving central and southern New Jersey, as well as the metropolitan areas of New York City and Philadelphia. Its main business involves originating various types of loans, including commercial real estate, residential mortgages, and business loans. Alongside lending, the bank provides a full suite of services like treasury management, trust and asset management, and standard deposit services for both individual and commercial customers. By focusing on specific communities, OceanFirst aims to build strong local relationships. As with any financial institution, its performance can be influenced by economic conditions and interest rate changes. It's important to remember that the value of investments can go down as well as up, and past performance is not a reliable indicator of future results.

New Mountain Finance (NMFC)

New Mountain Finance Corp (NMFC) is a US‑listed business development company (BDC) with a market capitalisation of about $1.01B. It invests primarily in middle‑market debt and equity, aiming to generate current income and long‑term capital appreciation through loans, mezzanine financings and selective equity stakes. As a BDC it must distribute the majority of taxable income to shareholders, which can make it attractive to income‑seeking investors; however, dividends are not guaranteed. Key considerations include credit quality of portfolio companies, use of leverage, and sensitivity to interest‑rate and economic cycles. NMFC tends to focus on defensive, cash‑flow generating businesses, but private and mid‑market exposures can be less liquid and carry higher default risk than public bonds. This summary is educational only and not personalised advice — investors should assess suitability, review recent financials and regulatory filings, and consider diversification and risk tolerance before investing.

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Comparison Snapshot