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OCFCOceanFirst Financial Corp.
$17.00$1.0B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
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Income StatementBalance SheetCash FlowRatios & Margins
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OCFC logo

OceanFirst Financial Corp.

OCFC
NASDAQ · Regional Banks
$17.00
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$1.02B
P/E14.5x
52W High$20.61
Volume1.34M
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Massive Securities Pivot Masks Operational Strain and Margin Pressure

OceanFirst Financial's 2026Q2 results reveal a bank in operational distress, with a net loss of $3.0 million and an efficiency ratio spiking to 102.1%, indicating non-interest expenses exceeded total revenue. The bank's strategic pivot is evident in a monument...

GrowthMixed
ProfitabilityStrained
ValuationAttractive
TechnicalsWeak
Explore valuation models
MARKET ACTION

OCFC price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

8/12 Beats

EPS beat 8 of last 12 quarters

02

Valuation risk

In Line

P/E is in line with peer median

03

Market leadership

RS 43 · Lag

Laggard (Underperforming 57% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Oct 30

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
OCFC-1.35%
S&P 500 (^GSPC)+12.39%
1-Year Return
OCFC-0.73%
S&P 500 (^GSPC)+15.77%
3-Year Return
OCFC+32.79%
S&P 500 (^GSPC)+75.04%
5-Year Return
OCFC+2.50%
S&P 500 (^GSPC)+67.10%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
14.5x
Forward P/EExpansion
9.5x
EV/EBITDA80th %ile
27.1x
FCF YieldCash Flow
7.8%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
14.5x
11.0x
80th· High
EV/EBITDA
27.1x
12.5x
80th· High
Price/FCF
12.9x
11.2x
80th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$9.26-45.5%
Base (Fair)$17.96+0.5%
Bull$28.86+69.8%
$9.26 Bear$17.96 Base$28.86 Bull
Current Market Price: $17.00
Trades at a 5.3% discount to Base DCF ($17.96)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$373M-1.7% YoY
Net income
$71M-29.1% YoY
Free cash flow
$80M-6.1% YoY
Operating margin
24.8%-9.6 pts YoY
ROIC (TTM)2.2%
Avg ROIC 5Y-
ROE (TTM)4.2%
Piotroski Score5 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate8/12 (73%)
Revenue Beat Rate6/12 (55%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 30, 2026
$0.43+0.5%
vs $0.43
$131M-3.2%
vs $136M
Q2 2026
Apr 23, 2026
$0.43+10.3%
vs $0.39
$103M-1.3%
vs $105M
Q1 2026
Feb 27, 2026
$0.23
vs —
$158M
vs —
Q1 2026
Jan 22, 2026
$0.41+5.1%
vs $0.39
$105M+1.5%
vs $103M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Defense World·Sep 15, 2026
Head to Head Analysis: Hancock Whitney (NASDAQ:HWC) and OceanFirst Financial (NASDAQ:OCFC)

Hancock Whitney (NASDAQ: HWC - Get Free Report) and OceanFirst Financial (NASDAQ: OCFC - Get Free Report) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their risk, valuation, profitability, earnings, dividends, analyst recommendations and institutional ownership. Risk and Volatility Hancock Whitney has a beta

The Motley Fool·Sep 8, 2026
OceanFirst Financial CIO Sells 5,500 Shares at $18.91

The sale was valued at $104,005. The transaction size equaled 6% of the equity stake held by the insider before the filing.

Defense World·Aug 25, 2026
OceanFirst Financial Corp. $OCFC Shares Acquired by Bank of America Corp DE

Bank of America Corp DE boosted its position in shares of OceanFirst Financial Corp. (NASDAQ: OCFC) by 16.1% in the undefined quarter, according to its most recent disclosure with the Securities and Exchange Commission. The institutional investor owned 493,623 shares of the savings and loans company's stock after buying an additional 68,347 shares

Seeking Alpha·Jul 31, 2026
OceanFirst Financial Corp. (OCFC) Q2 2026 Earnings Call Transcript

OceanFirst Financial Corp. (OCFC) Q2 2026 Earnings Call Transcript

Filtered for OceanFirst Financial Corp.More Headlines
04

Compare before deciding

Benchmark OCFC against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for OceanFirst Financial Corp. (OCFC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
OCFC logoOCFCOceanFirst Financial Corp.Current
$17.00$1.02B14.53-1.7%19.01%4.22%4.94%
NBTB logoNBTBNBT Bancorp Inc.
$50.48$2.63B15.1614.54%22.65%11.26%—
WSFS logoWSFSWSFS Financial Corporation
$76.99$4.01B15.132.08%29.27%11.78%—
TRMK logoTRMKTrustmark Corporation
$45.69$2.68B12.3577.36%19.84%11.01%—
FULT logoFULTFulton Financial Corporation
$22.75$4.35B10.9411.19%20.71%11.15%—
AMSF logoAMSFAMERISAFE, Inc.
$24.37$455.81M9.872.63%14%18.37%—

Compare OCFC vs Peers

OceanFirst Financial Corp. (OCFC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for OCFC.

Scale Benchmark

vs ICE

Larger-name benchmark to compare OCFC against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, WSFS, TRMK, FULT

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

OCFC SEC Filings & Documents

OceanFirst Financial Corp. (OCFC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jul 31, 2026·SEC

Material company update

Jun 30, 2026·SEC

Material company update

Jun 8, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 28, 2025·SEC

FY 2024

Feb 23, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 7, 2026·SEC

FY 2026

May 1, 2026·SEC

FY 2025

Nov 4, 2025·SEC

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OCFC Frequently Asked Questions

OceanFirst Financial Corp. (OCFC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is OceanFirst Financial Corp. growing?

OceanFirst Financial Corp. (OCFC) saw revenue decline by 1.7% over the past year.

Is OCFC profitable?

Yes, OceanFirst Financial Corp. (OCFC) is profitable, generating $47.9M in net income for fiscal year 2025 (19.0% net margin).

Dividend & Returns
Does OCFC pay dividends?

Yes, OceanFirst Financial Corp. (OCFC) pays a dividend with a yield of 4.94%. This makes it attractive for income-focused investors.

What is OCFC's return on equity?

OceanFirst Financial Corp. (OCFC) has a return on equity (ROE) of 4.2%. This is below average, suggesting room for improvement.

Industry Metrics
What is OceanFirst Financial Corp.'s net interest margin?

OceanFirst Financial Corp. (OCFC) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.

What is OceanFirst Financial Corp.'s efficiency ratio?

OceanFirst Financial Corp. (OCFC) has an efficiency ratio of 70.9%. This is higher than peers, suggesting room for cost optimization.

What if you invested $1,000 in OCFC back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →