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OCFC vs BY // EV/EBITDA & P/E VALUATION

OceanFirst Financial Corp. (NASDAQ) VS. Byline Bancorp Inc. (NYSE) • 15-METRIC TALLY: OCFC 2 — BY 5
■ METRIC PARITY
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (OCFC VS. BY) EMERALD CELL = QUANTITATIVE EDGE
INSTITUTIONAL METRIC OCFC BY SPREAD (A - B) ADVANTAGE DEDICATED URL
Gross Profit Margin — — — TIE /gross-margins <GO>
Return on Invested Capital (ROIC) 4.00% 10.30% -6.30 BY /roic <GO>
EV/EBITDA & P/E Valuation ACTIVE — — — TIE /valuation <GO>
Free Cash Flow Yield 4.53% 7.74% -3.21 BY /fcf-yield <GO>
Operating Margin — — — TIE /operating-margins <GO>
Net Profit Margin — — — TIE /net-margins <GO>
Revenue Growth (YoY) — — — TIE /revenue-growth <GO>
Dividend Yield & FCF Payout Safety 2.75% 1.03% +1.72 OCFC /dividend-safety <GO>
Altman Z-Score & Debt/Equity — — — TIE /balance-sheet <GO>
Piotroski F-Score Quality 4/9 5/9 -1.00 BY /piotroski-score <GO>
Options Implied Move & Put/Call Skew — — — TIE /options-implied-move <GO>
RSI-14 & 200D SMA Momentum 66.0 59.0 +6.98 OCFC /rsi-technicals <GO>
10Y Yield & FRED Macro Beta — — — TIE /macro-sensitivity <GO>
Forward P/E Multiple 24.3x 12.6x +11.70 BY /forward-pe <GO>
Enterprise Scale & Market Cap $1.75B $1.76B -$6.0M BY /market-cap <GO>
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
FISCAL YEAR OCFC REV BY REV OCFC GROSS % BY GROSS % OCFC FCF BY FCF
FY 2025 $0 $0 — — $79.5M $136.3M
FY 2024 $0 $0 — — $84.7M $171.2M
FY 2023 $0 $0 — — $124.3M $166.1M
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
OCFC // BETA —
BY // BETA —