Last 48 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.53 | — | 12.53 | 19.51 | 14.64 | 15.72 | 12.15 | 12.57 | 11.07 | 9.93 | 8.73 | 9.64 | 10.96 | 8.68 | 10.04 | 5.97 | 7.28 | 10.18 | 11.96 | 15.00 | 13.72 |
| — | — | +3.1% | +55.2% | +32.3% | +58.3% | +39.2% | +30.3% | +0.9% | +14.4% | -13.1% | +61.6% | +50.6% | -14.7% | -16.1% | -60.2% | -46.9% | -4.3% | +5.9% | +70.7% | — | |
| P/S Ratio | 2.75 | 2.84 | 2.72 | 3.14 | 2.46 | 2.60 | 2.55 | 2.78 | 2.82 | 2.52 | 2.47 | 2.60 | 2.13 | 2.31 | 2.73 | 2.35 | 2.49 | 2.91 | 3.22 | 3.69 | 3.72 |
| — | +9.5% | +6.4% | +12.8% | -12.7% | +3.2% | +3.2% | +7.0% | +32.6% | +8.7% | -9.5% | +10.6% | -14.8% | -20.6% | -15.0% | -36.3% | -32.9% | -21.2% | -16.8% | +35.4% | +51.5% | |
| P/B Ratio | 0.59 | 0.57 | 0.62 | 0.61 | 0.61 | 0.62 | 0.58 | 0.62 | 0.64 | 0.55 | 0.58 | 0.62 | 0.52 | 0.57 | 0.68 | 0.79 | 0.71 | 0.74 | 0.78 | 0.86 | 0.84 |
| — | -8.3% | +6.6% | -0.4% | -4.9% | +12.1% | -0.1% | -0.1% | +22.0% | -2.7% | -14.3% | -21.6% | -26.6% | -23.4% | -13.3% | -8.8% | -15.5% | -10.4% | -18.8% | +14.6% | +50.0% | |
| P/FCF | 12.89 | 10.25 | 11.06 | 7.72 | 10.97 | 9.37 | — | 6.08 | — | 11.87 | 5.31 | — | 4.00 | 3.33 | 12.25 | 8.06 | 3.59 | 4.37 | 5.93 | 12.91 | — |
| — | +9.3% | — | +26.8% | — | -21.0% | — | — | — | +256.2% | -56.7% | — | +11.3% | -23.7% | +106.5% | -37.5% | — | +28.6% | -48.0% | — | — | |
| EV / EBITDA | 27.07 | 15965.23 | 19.44 | 30.72 | 25.74 | 18.02 | 15.55 | 17.69 | 15.61 | 14.47 | 11.55 | 11.84 | 10.70 | 11.18 | 13.55 | 8.53 | 7.83 | 10.18 | 9.01 | 11.63 | 4.76 |
| — | +88510.4% | +25.0% | +73.7% | +64.9% | +24.5% | +34.6% | +49.4% | +45.9% | +29.3% | -14.8% | +38.9% | +36.6% | +9.9% | +50.4% | -26.6% | +64.7% | +234.5% | +169.1% | +941.7% | — | |
| EV / EBIT | 27.29 | — | 22.13 | 37.42 | 29.91 | 20.59 | 17.50 | 19.99 | 17.29 | 16.18 | 12.65 | 13.21 | 12.33 | 12.39 | 15.09 | 9.05 | 8.47 | 11.25 | 10.09 | 13.60 | 5.28 |
| — | — | +26.5% | +87.3% | +73.0% | +27.2% | +38.4% | +51.3% | +40.2% | +30.6% | -16.2% | +46.0% | +45.7% | +10.2% | +49.6% | -33.5% | +60.5% | +241.0% | +178.8% | +1023.0% | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 95.7% | 100.0% | 97.1% | 95.5% | 96.0% | 96.9% | 94.5% | 96.3% | 99.5% | 96.6% | 99.4% | 96.8% | 89.8% | 98.8% | 97.0% | 97.3% | 99.1% | 98.7% | 98.0% | 101.8% | 103.7% |
| — | +3.2% | +2.8% | -0.9% | -3.5% | +0.3% | -4.9% | -0.5% | +10.8% | -2.2% | +2.5% | -0.5% | -9.4% | +0.1% | -1.0% | -4.4% | -4.5% | -8.3% | -2.7% | +6.0% | +81.1% | |
| Operating Margin | 24.8% | -2.1% | 28.6% | 20.7% | 22.1% | 25.3% | 29.2% | 29.0% | 34.1% | 34.2% | 40.3% | 36.8% | 26.8% | 36.9% | 36.7% | 53.2% | 46.5% | 39.7% | 36.6% | 30.1% | 36.8% |
| — | -108.3% | -2.2% | -28.6% | -35.1% | -26.0% | -27.4% | -21.3% | +27.1% | -7.5% | +9.7% | -30.8% | -42.3% | -6.9% | +0.2% | +76.8% | +26.4% | -17.4% | -21.4% | -28.9% | +508.1% | |
| Net Margin | 19.0% | -2.5% | 21.7% | 16.1% | 17.0% | 19.4% | 22.2% | 23.2% | 26.2% | 26.4% | 29.4% | 28.0% | 20.5% | 27.8% | 28.0% | 40.1% | 35.1% | 29.9% | 28.0% | 25.5% | 28.2% |
| — | -112.9% | -2.6% | -30.7% | -35.1% | -26.7% | -24.4% | -17.3% | +27.7% | -5.0% | +5.1% | -30.1% | -41.5% | -6.9% | +0.1% | +57.3% | +24.6% | -17.3% | -20.4% | -20.8% | +578.6% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 4.2% | -0.1% | 1.2% | 0.8% | 1.1% | 1.1% | 1.3% | 1.3% | 1.5% | 1.5% | 1.7% | 1.7% | 1.3% | 1.7% | 1.7% | 3.4% | 2.5% | 1.9% | 1.7% | 1.5% | 1.6% |
| — | -113.1% | -2.4% | -38.8% | -29.4% | -22.1% | -26.8% | -23.1% | +17.7% | -15.1% | -1.3% | -50.8% | -49.8% | -9.8% | +2.8% | +127.9% | +57.7% | -6.3% | -22.6% | -33.4% | +577.0% | |
| ROA | 0.5% | -0.0% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.4% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% |
| — | -111.2% | -12.5% | -44.3% | -33.1% | -21.6% | -24.4% | -20.5% | +22.6% | -11.2% | +1.7% | -50.4% | -50.3% | -12.8% | -2.9% | +114.9% | +48.3% | -11.2% | -24.1% | -32.8% | +584.3% | |
| ROIC | 2.2% | -0.0% | 0.6% | 0.4% | 0.5% | 0.7% | 0.7% | 0.7% | 0.8% | 0.8% | 1.1% | 1.0% | 0.7% | 0.9% | 0.9% | 2.0% | 1.6% | 1.4% | 1.3% | 1.1% | 1.3% |
| — | -107.4% | -13.8% | -46.2% | -35.3% | -20.0% | -31.7% | -34.9% | +10.0% | -8.3% | +22.1% | -46.8% | -55.4% | -34.8% | -35.0% | +83.3% | +31.1% | -16.1% | -23.5% | -33.7% | +590.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.98 | 0.95 | 0.90 | 0.98 | 1.19 | 0.73 | 0.68 | 0.74 | 0.82 | 0.77 | 0.69 | 0.63 | 0.54 | 0.84 | 1.00 | 0.93 | 0.52 | 0.52 | 0.25 | 0.23 | 0.25 |
| — | +30.1% | +33.3% | +32.9% | +44.8% | -5.5% | -2.3% | +17.3% | +52.1% | -7.9% | -31.0% | -32.3% | +3.4% | +61.5% | +293.1% | +304.0% | +112.6% | +111.4% | +5.3% | -5.9% | -51.0% | |
| Debt / EBITDA | 17.53 | 43149.40 | 48.78 | 79.65 | 75.17 | 42.18 | 36.27 | 40.76 | 38.51 | 36.70 | 26.78 | 25.85 | 28.45 | 33.33 | 39.65 | 19.71 | 14.58 | 18.58 | 10.26 | 11.18 | 10.64 |
| — | +102188.4% | +34.5% | +95.4% | +95.2% | +14.9% | +35.4% | +57.7% | +35.4% | +10.1% | -32.5% | +31.2% | +95.1% | +79.4% | +286.6% | +76.2% | +37.0% | +121.0% | +32.5% | +45.0% | — | |
| Current Ratio | 0.13 | 5.96 | 2.77 | 0.13 | 0.15 | 0.09 | 0.09 | 0.10 | 0.12 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.10 | 0.07 | 0.07 | 0.07 | 0.08 | 0.08 | 0.13 |
| — | +6357.4% | +2876.2% | +30.5% | +30.9% | -2.5% | +3.5% | +7.8% | +34.1% | +1.1% | -9.0% | +32.7% | +27.2% | +27.3% | +27.3% | -15.9% | -49.6% | -48.4% | -49.2% | -47.6% | +6.0% | |
| Quick Ratio | 0.13 | 5.96 | 2.77 | 0.13 | 0.15 | 0.09 | 0.09 | 0.10 | 0.12 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.10 | 0.07 | 0.07 | 0.07 | 0.08 | 0.08 | 0.13 |
| — | +6357.4% | +2876.2% | +30.5% | +30.9% | -2.5% | +3.5% | +7.8% | +34.1% | +1.1% | -9.0% | +32.7% | +27.2% | +27.3% | +27.3% | -15.9% | -49.6% | -48.4% | -49.2% | -47.6% | +6.0% | |
| Interest Coverage | 0.33 | -0.03 | 0.38 | 0.22 | 0.32 | 0.37 | 0.42 | 0.36 | 0.41 | 0.41 | 0.52 | 0.50 | 0.40 | 0.64 | 0.91 | 2.97 | 3.52 | 4.46 | 4.99 | 3.40 | 3.80 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying OCFC stock.
OceanFirst Financial Corp.'s current P/E is 14.5x. The average P/E over the last 3 quarters is 15.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
OceanFirst Financial Corp.'s current operating margin is 24.8%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking OceanFirst Financial Corp.'s business trajectory between earnings reports.