OCFC trades 11.8% below Wall Street's consensus target of $19.00.
Last 12 months price action with 12-month analyst target path
The base valuation assumes OCFC achieves its forward estimates and maintains a stable P/E multiple of 9.5x. This scenario reflects the blended consensus of 8 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of September 24, 2026, OceanFirst Financial Corp. (OCFC) has a Wall Street consensus price target of $19.00, based on estimates from 8 covering analysts. With the stock currently trading at $17.00, this represents a potential upside of +11.8%. The company has a market capitalization of $1.02B.
Analyst price targets range from a low of $19.00 to a high of $19.00, representing a 0% spread in expectations. The median target of $19.00 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Hold, with 3 analysts rating the stock as a Buy or Strong Buy,5 rating it Hold, and 0 rating it Sell or Strong Sell. The mixed ratings reflect uncertainty about near-term direction.
From a valuation perspective, OCFC trades at a trailing P/E of 14.5x and forward P/E of 9.5x. The forward PEG ratio of 3.43 reflects a premium valuation. Analysts expect EPS to grow +161.2% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $23.35, with bear and bull scenarios of $14.71 and $30.77 respectively. Model confidence stands at 46/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 NBTBNBT Bancorp Inc. | $2.6B | $50.48 | $56.67 | +12.3% | Hold | 12.1x | 10 |
 WSFSWSFS Financial Corporation | $4.0B | $76.99 | $81.50 | +5.9% | Hold | 11.7x | 13 |
 TRMKTrustmark Corporation | $2.7B | $45.69 | $47.50 | +4.0% | Hold | 11.5x | 9 |
 FULTFulton Financial Corporation | $4.3B | $22.75 | $26.50 | +16.5% | Hold | 10.9x | 20 |
 AMSFAMERISAFE, Inc. | $456M | $24.37 | $32.00 | +31.3% | Buy | 12.3x | 6 |
 ACNBACNB Corporation | $642M | $62.87 | $61.00 | -3.0% | Buy | 11.1x | 2 |
 NFBKNorthfield Bancorp, Inc. | $639M | $15.31 | $14.50 | -5.3% | Hold | 11.3x | 9 |
 COLBColumbia Banking System, Inc. | $8.2B | $28.85 | $34.20 | +18.5% | Buy | 9.5x | 19 |
 IBCPIndependent Bank Corporation | $727M | $35.30 | $39.50 | +11.9% | Hold | 9.9x | 8 |
 FNFFidelity National Financial, Inc. | $11.3B | $41.85 | $56.00 | +33.8% | Buy | 8.2x | 17 |
Quick answers to the most common questions about buying OCFC stock.
OceanFirst Financial Corp. (OCFC) has a consensus 12-month price target of $19, implying 11.8% upside from $17. The 8 analysts covering OCFC see moderate appreciation potential.
OCFC has a consensus rating of "Hold" based on 8 Wall Street analysts. The rating breakdown is mixed, with 5 Hold ratings making up the largest segment. The consensus 12-month price target of $19 implies 11.8% upside from current levels.
With a forward P/E of 9.5431x, OCFC trades at a relatively low valuation. The consensus target of $19 implies 11.8% appreciation, suggesting meaningful undervaluation.
The most bullish Wall Street analyst has a price target of $19 for OCFC, while the most conservative target is $19. The consensus of $19 represents the median expectation. Our quantitative valuation model projects a bull case target of $31 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
OCFC is moderately covered, with 8 analysts providing price targets and ratings. Of these, 1 have Strong Buy ratings, 2 have Buy ratings, 5 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month OCFC stock forecast based on 8 Wall Street analysts shows a consensus price target of $19, with estimates ranging from $19 (bear case) to $19 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $23, with bear/bull scenarios of $15/$31.
Our quantitative valuation model calculates OCFC's fair value at $23 (base case), with a bear case of $15 and bull case of $31. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 46/100.
OCFC trades at a forward P/E ratio of 9.5x based on next-twelve-months earnings estimates compared to a trailing P/E of 14.5x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Wall Street analysts are optimistic on OCFC, with a "Hold" consensus rating and $19 price target (11.8% upside). 3 of 8 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
OCFC analyst price targets range from $19 to $19, a 0% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $19 consensus represents the middle ground. Our model's $15-$31 range provides an independent fundamental perspective.
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