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OceanFirst Financial Corp. (OCFC) Total Return Calculator with Dividends Reinvested

OceanFirst Financial Corp.

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The total return for OceanFirst Financial Corp. (OCFC) stock is +18.66% over the past 12 months. So far it's up 8.97% this year. The 5-year total return is +2.35%, meaning $10,000 invested in OCFC stock 5 years ago would be worth $10,235 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in OCFC 1 year ago, it would be worth $11,902 today — you'd have gained $1,902 with dividends reinvested.

With Dividends Reinvested$11,902+19.02%

Price Only (No DRIP)$11,388+13.88%

Dividend Boost+$5154 payments · +5.15% extra

Period2025-05-06 → 2026-05-06

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in OCFC

1Y$11,866+$1,866 (+18.7%)18.7% CAGR

3Y$15,684+$5,684 (+56.8%)16.2% CAGR

5Y$10,235+$235 (+2.3%)0.5% CAGR

10Y$14,543+$4,543 (+45.4%)3.8% CAGR

15Y$20,465+$10,465 (+104.7%)4.9% CAGR

20Y$14,016+$4,016 (+40.2%)1.7% CAGR

30Y$52,952+$42,952 (+429.5%)5.7% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-08-04	$0.20	$16.32	+0.012255
2025-11-03	$0.20	$18.05	+0.011216
2026-02-02	$0.20	$19.01	+0.010768
2026-04-27	$0.20	$18.89	+0.010950

Loading OCFC total return...

As of 2026-05-06

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+8.97%	—	+6.73%	+2.24 pp	$10,897
1Y	+18.66%	18.66%	+13.88%	+4.78 pp	$11,866
3Y	+56.84%	16.19%	+39.28%	+17.56 pp	$15,684
5Y	+2.35%	0.47%	-15.60%	+17.95 pp	$10,235
10Y	+45.43%	3.82%	+6.01%	+39.42 pp	$14,543
15Y	+104.65%	4.89%	+36.29%	+68.36 pp	$20,465
20Y	+40.16%	1.70%	-16.89%	+57.05 pp	$14,016
30Y	+429.52%	5.71%	+168.92%	+260.59 pp	$52,952

Risk & Highlights

Best Year+55.41%2016

Worst Year-33.27%2009

Max Drawdown-15.39%2025-12-18 → 2026-01-07

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+2.35%	+1.23%	+1.1pp	+0.41%	+1.9pp
2025	+5.22%	+0.73%	+4.5pp	+16.64%	-11.4pp
2024	+7.69%	+3.13%	+4.6pp	+24.00%	-16.3pp
2023	-15.69%	-19.41%	+3.7pp	+24.81%	-40.5pp
2022	-2.44%	-5.72%	+3.3pp	-19.95%	+17.5pp

OCFC underperformed the S&P 500 by 12.66pp over the past year (+18.66% vs +31.32%).

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OCFC Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
OCFCOceanFirst Financial Corp.	$1.1B	+3.4%	+9.0%	+18.7%	+4.8pp	+56.8%	+2.3%	+45.4%
NBTBNBT Bancorp Inc.	$2.4B	+3.5%	+9.6%	+9.3%	+3.4pp	+54.5%	+29.5%	+102.2%
WSFSWSFS Financial Corporation	$3.8B	+7.0%	+31.3%	+37.4%	+1.3pp	+135.5%	+43.1%	+128.7%
TRMKTrustmark Corporation	$2.6B	+4.2%	+15.5%	+33.0%	+2.8pp	+118.6%	+47.4%	+127.3%
FULTFulton Financial Corporation	$4.2B	+4.9%	+12.9%	+31.9%	+4.3pp	+133.8%	+43.3%	+107.7%
AMSFAMERISAFE, Inc.	$556M	-11.9%	-20.1%	-31.7%	+5.5pp	-26.1%	-20.5%	+33.4%
ACNBACNB Corporation	$551M	+9.0%	+13.5%	+28.1%	+3.4pp	+101.9%	+105.3%	+191.0%
NFBKNorthfield Bancorp, Inc.	$587M	+2.2%	+26.3%	+30.1%	+5.8pp	+65.5%	-0.3%	+19.1%
COLBColumbia Banking System, Inc.	$7.2B	+7.7%	+8.4%	+36.2%	+6.3pp	+78.6%	-17.3%	+51.1%
IBCPIndependent Bank Corporation	$696M	+0.1%	+6.8%	+12.2%	+3.5pp	+129.8%	+63.0%	+185.0%
FNFFidelity National Financial, Inc.	$13.9B	+10.1%	-4.6%	-17.1%	+3.1pp	+66.6%	+36.0%	+181.4%

Compare:OCFC vs NBTB OCFC vs WSFS OCFC vs TRMK OCFC vs NBTB vs WSFS

About OCFC Dividend Returns

OceanFirst Financial Corp. (OCFC) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of OCFC over the past year?

OceanFirst Financial Corp. (OCFC) delivered a total return of 18.66% over the past year when dividends are reinvested. The price-only return was 13.88%, meaning dividends contributed an additional 4.78 percentage points to total returns.

Q2How much would $10,000 invested in OCFC be worth today?

A $10,000 investment in OceanFirst Financial Corp. one year ago would be worth $11,866 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $11,388. Dividend reinvestment added $478 to the portfolio value.

Q3Does OCFC pay dividends?

Yes, OceanFirst Financial Corp. (OCFC) pays dividends. In the last year, OCFC paid approximately $0.84 per share in dividends (4.41% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did OCFC beat the S&P 500?

No, OceanFirst Financial Corp. (OCFC) underperformed the S&P 500 by 12.66 percentage points over the past year. OCFC delivered a total return of 18.66%, compared to the S&P 500's 31.32%. This means a passive S&P 500 index fund outperformed OCFC by 12.66pp during this period.

Q5What is OCFC's worst drawdown?

OceanFirst Financial Corp. (OCFC) experienced a maximum drawdown of -15.39% over the past year, declining from its peak on 2025-12-18 to its trough on 2026-01-07. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is OCFC's long-term total return over 10, 20, or 30 years?

Here are OceanFirst Financial Corp. (OCFC)'s long-term returns with dividends reinvested. Over 10 years, the total return is 45.4% (3.8% CAGR) — $10,000 would have grown to $14,543. Over 20 years: 40.2% total return (1.7% CAGR) — $10,000 → $14,016. Over 30 years: 429.5% total return (5.7% CAGR) — $10,000 → $52,952. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was OCFC's best and worst year?

OceanFirst Financial Corp.'s best calendar year was 2016 with a total return of 55.4%. Its worst year was 2009 with a total return of -33.3%. This range shows the volatility investors should expect — the difference between the best and worst year is 88.7 percentage points.