OceanFirst vs Peoples Bancorp

OceanFirst Financial Corp and Peoples Bancorp Inc are presented on this page to compare their business models, financial performance, and market context in a clear, accessible way. The comparison uses neutral language to outline similarities and differences without guidance or endorsement. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

OCFC

Metric

PEBO

$1.03B

Market Cap

$1.13B

12.10%

Potential Profit

2.33%

Buy

Analyst Rating

Hold

Investment Analysis

OceanFirst

OCFC

Pros

OceanFirst reported 14% annualized growth in total loans and $1 billion in loan originations, indicating strong lending activity.
The bank maintains a stable net interest margin of 2.91% and increased net interest income by $3 million quarter-over-quarter.
OceanFirst has a 29-year consecutive dividend payment history with an attractive dividend yield of 4.52%, supporting shareholder returns.

Considerations

The company’s Q3 2025 earnings per share (EPS) missed estimates by 14.29%, showing earnings challenges despite revenue growth.
Return on equity (ROE) is modest at around 5.19%, below the historical ten-year average of 6.71%, suggesting limited profitability efficiency.
Recent financial results showed increased loan loss provisions which contributed to weaker than expected quarterly net income.

Peoples Bancorp

PEBO

Pros

Peoples Bancorp has demonstrated consistent profitability with solid revenue growth and an expanding loan portfolio.
The company benefits from strong community banking franchise and diversified customer base supporting resilient deposit funding.
Peoples Bancorp has managed credit quality effectively, maintaining low levels of nonperforming assets relative to peers.

Considerations

Exposure to regional economic cyclicality could impact loan demand and asset quality amid uncertain macroeconomic conditions.
Regulatory and interest rate environment changes could pressure net interest margins and earnings sustainability.
Smaller market capitalization compared to larger banks may limit scale advantages and increase vulnerability to competitive pressures.

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.

Peoples Bancorp (PEBO)

Peoples Bancorp Inc. is a diversified financial services holding company operating primarily in the American Midwest and Mid-Atlantic regions. Through its main subsidiary, Peoples Bank, it offers a comprehensive suite of commercial and consumer banking services. These include various types of deposit accounts, loans, and home equity lines of credit. Beyond traditional banking, the company has expanded its offerings to include trust and investment services, insurance products, and equipment financing and leasing solutions. This broad portfolio allows it to serve a wide range of customers, from individuals to businesses. With a network of approximately 129 full-service branches across states like Ohio, Kentucky, and Virginia, alongside a robust online and mobile banking presence, Peoples Bancorp focuses on accessibility and community-based financial services. As with any investment, the value can go down as well as up, and returns are not guaranteed.

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OceanFirst vs Peoples Bancorp

Comparison Snapshot

Investment Analysis

OceanFirst

Pros

Considerations

Peoples Bancorp

Pros

Considerations

About The Companies

Buy OCFC or PEBO in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Frequently asked questions

Comparison Snapshot

About The Companies

OceanFirst vs Peoples Bancorp

Comparison Snapshot

Investment Analysis

OceanFirst

Pros

Considerations

Peoples Bancorp

Pros

Considerations

About The Companies

Buy OCFC or PEBO in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

OceanFirst vs New Mountain Finance

OceanFirst vs Safety Insurance

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Frequently asked questions

What does a comparison of loans growth and net interest margin tell us about bank performance?

How should I interpret dividend yield in a bank stock comparison?

What is ROE and why is it relevant when comparing banks?

Which indicators reflect risk alongside potential returns in this stock pair?

How does loan growth relate to earnings when reviewing these banks?

What role does credit quality play in assessing these stocks?

How might regional economic conditions influence these two banks?

Why are interest rate changes important for Net Interest Margin (NIM)?

How should a beginner use this page to compare the stocks?

What should be considered before forming an opinion from this comparison?

Is this page an investment recommendation or a substitute for professional advice?

Comparison Snapshot

About The Companies