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OceanFirst Financial Corp. OCFC R2K

Financial Services · Banks - Regional · United States
https://www.oceanfirst.com
Company Profile ↓
$19.26
+7.18% 1Y
Mkt Cap$1.11B
P/E16.32
P/B0.64
Div. Yield4.30%
52W High$19.97
52W Low$15.65
Book Value$28.98
EPS (TTM)$1.18

Company Overview

OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A. that provides community banking services to retail and commercial customers in the United States. The company accepts deposit products, such as money market accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing accounts, and time deposits, including brokered deposits. It also offers commercial real estate, multi-family, land loans, construction, and commercial and industrial loans; fixed-rate and adjustable-rate mortgage loans that are secured by one-to-four family residences; and consumer loans, such as home equity loans and lines of credit, student loans, loans on savings accounts, overdraft line of credit, and other consumer loans. In addition, the company invests in mortgage-backed securities, securities issued by the U.S. government and agencies, corporate securities, and other investments; and provides bankcard services, trust and asset management products and services, deposit account services, sales of loans and investments, bank owned life insurance and commercial loan swap income. The company was founded in 1902 and is headquartered in Toms River, New Jersey.

Why Investors Should Care

Reasonable Valuation

Trades at an undemanding P/E of 16.3.

Healthy Margins

Maintains a net profit margin of 17.6%.

Dividend Income

Offers a dividend yield of 4.30%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +8.5%, earnings +2.7%.
  • 5-Year Trend Long-term compounding — profit CAGR 9.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:8.50%

Compounded Profit Growth

5 Years:9.91%
1 Year:2.70%

Stock Price Performance

1 Year:+7.18%
6 Months:+10.09%
3 Months:+3.92%
1 Month:+4.67%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 84% of range
$15.65 $19.97
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)57.83 · Neutral
Price Performance
1M+4.67%
3M+3.92%
6M+10.09%
1Y+7.18%
Valuation vs Sector

P/E of 16.32 is above the sector median of 13.30 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Attractive dividend yield of 4.30%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
16.32
Industry PE
13.30
Forward P/E
8.10
PEG Ratio
1.15
Book Value
$28.98
Price to Book
0.64
P/S
2.70
EV/EBITDA
-
Dividend Yield
4.30%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
9.91%
Revenue (YoY)
8.50%
Earnings (YoY)
2.70%

Profitability & Returns

ROCE
-
ROE
4.15%
ROA
0.50%
Profit Margin
17.64%
Op Margin
35.23%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.36
EPS (TTM)
$1.18

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$1.57B
Total Assets
$14.56B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
2.71%
Chg in Prom Hold
-
FII / Inst Holding
71.36%
Chg in FII Hold
-0.10%

Financial Snapshot

Enterprise Value
$1.11B
Total Revenue (TTM)
$396.64M
EBITDA
-
Free Cash Flow
$79.51M
Operating Cash Flow
$114.21M
Shares Outstanding
57.60M
Gross Margin
0.00%
Payout Ratio
67.80%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 OCFC OceanFirst Financial Corp. R2K 19.26 16.32 $1.11B 4.30% - 4.15% - 9.91%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Net Income 5.26M5.13M4.70M5.23M4.21M3.66M9.13M6.05M12.02M7.68M12.82M9.96M5.43M15.70M24.07M26.73M21.17M18.98M24.97M23.45M16.53M18.64M-4.93M33.06M32.70M30.55M24.17M25.76M28.96M38.61M27.88M27.80M20.67M28.67M24.37M25.12M21.51M19.05M17.33M20.51M
Diluted EPS 0.310.310.280.310.250.160.350.220.360.230.390.300.120.320.500.550.420.370.490.470.270.31-0.100.540.530.490.390.420.470.640.460.450.330.470.400.420.350.280.300.36

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income 15.65M20.38M20.74M20.02M16.33M19.92M20.32M23.05M42.47M71.93M88.57M63.31M110.08M146.60M104.03M100.06M70.98M
Diluted EPS 0.981.121.141.120.951.191.210.981.281.511.751.021.782.421.701.651.17

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --2.25B2.30B2.27B2.25B2.36B2.59B5.17B5.42B7.52B8.25B11.45B11.74B13.10B13.54B13.42B14.56B
Total Equity 119.78M183.54M201.25M216.85M219.79M214.35M218.26M238.45M571.90M601.94M1.04B1.15B1.48B1.52B1.58B1.66B1.70B1.66B
Cash & Equivalents 18.48M23.02M31.45M77.53M62.54M-------------
Long Term Debt ------------235.47M229.14M195.40M196.46M197.55M255.23M
Total Liabilities --2.05B2.09B2.05B2.04B2.14B2.35B4.60B4.81B6.48B7.09B9.96B10.22B11.52B11.88B11.72B12.90B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 16.83M39.94M17.55M30.89M35.46M27.58M28.33M33.42M80.13M92.55M100.25M132.66M159.97M250.45M124.26M92.24M87.21M
Investing Cash Flow -120.72M-256.74M-3.41M7.24M-31.42M-111.37M-95.07M271.70M-455.22M48.55M-172.12M-22.17M-1.48B-1.32B-488.00M106.40M-1.18B
Financing Cash Flow 108.44M225.24M31.93M-53.11M-32.62M85.95M74.57M-47.70M183.33M-128.39M82.77M1.07B223.99M1.01B349.47M-228.75M1.10B
Capital Expenditure -2.74M-2.56M-2.23M-2.60M-4.28M-3.97M-3.89M-6.67M-48.70M-11.49M-5.08M-14.73M-42.04M-16.11M-7.71M-7.57M-7.70M
Free Cash Flow 14.09M37.38M15.32M28.29M31.18M23.61M24.44M26.75M31.43M81.06M95.17M117.93M117.93M234.34M116.55M84.68M79.51M
Share Buybacks --2.15M11.90M8.11M9.18M6.46M1.88M010.84M26.07M14.81M36.06M7.40M021.48M24.91M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -----------------
ROE % 8.5%10.1%9.6%9.1%7.6%9.1%8.5%4.0%7.1%6.9%7.7%4.3%7.3%9.3%6.3%5.9%4.3%
ROCE % -----------------

Shareholding Pattern

Insiders
2.71%
Institutions
71.36%
Public Float
73.34%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 11.69% 6.73M $127.33M
2 Dimensional Fund Advisors LP 5.92% 3.41M $64.47M
3 State Street Corporation 5.00% 2.88M $54.51M
4 Wellington Management Group, LLP 4.51% 2.60M $49.08M
5 Vanguard Capital Management LLC 4.21% 2.43M $45.90M
6 T. Rowe Price Investment Management, Inc. 3.78% 2.18M $41.16M
7 Invesco Ltd. 3.47% 2.00M $37.75M
8 Two Sigma Investments, LP 2.73% 1.57M $29.74M
9 Geode Capital Management, LLC 2.45% 1.41M $26.66M
10 Systematic Financial Management, L.P. 2.40% 1.38M $26.16M

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for OCFC

Google News ue, 14 Jul 2026

OceanFirst Financial (NASDAQ: OCFC) sees Dimensional report 4.7% stake - Stock Titan

<a href="https://news.google.com/rss/articles/CBMiywFBVV95cUxOY1VUYWptazE5MUtKNGxKRlNpVndDbDJOUUR2TUhlTWZocUhwTTdYVzJXNWJyMzA3T0h6UnFLeDhiYUItV1pOZmI0ZEhYanpFaEE5ZjNPTW5zSGVpNVh1WXJKZXJzLTVxXzZ3N1kwVzl2bzdIQlVQRU9Oal9HYnlGcmdGT3lJSFFsRXVFQl…

Google News Wed, 24 Jun 2026

3 Reasons OCFC is Risky and 1 Stock to Buy Instead - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMikAFBVV95cUxQQV9aMXJfSHpXYi05UTQ4Vy01NWEtQnVsQi1Sc0podDd0WWlmdHd3cFNKRV9YS0lEcE9nd25xcDZuUy14YTA0RVhCQVJpRVJHS3I0SzBodGVkTVRYaE4tRXlpcHZjUEFNSVpNWndzVHdYZFgtdUFDaHdaZFdRNzEwbDZOSVpUYW9Zd2RVVn…

Google News ue, 16 Jun 2026

OceanFirst Financial (OCFC) Stock After Warburg Pincus Deal Is The Price Too Low - simplywall.st

<a href="https://news.google.com/rss/articles/CBMi0gFBVV95cUxOUUxZeFV5a3p2RWdYNEZIbUNUeGdMWWZFNm5lMzRNSDR1TmQ2VFgwS1hhYzJVbUxjSXZFNkNTZjNXM0ZvZHJpaFlUT0tCS0VPTWx6ZnRaSkNURGJNRnd5VmVYa2tjbEc4aEpyWndxRUtWX2ZWLWtvNWhkblNJUVdmYU9KMTJoSThUck5XT1…

Google News hu, 09 Jul 2026

Discipline and Rules-Based Execution in OCFC Response - Stock Traders Daily

<a href="https://news.google.com/rss/articles/CBMizgFBVV95cUxNY3pkQkgxRkE3RG9XdWZMbWtsdFQtak9MRzhYSHZTRTZKdFE1QlpUamQyLWpiNXl0cl9CUjNpb3NubnBnY0hXSnJWaGZZbldNbkJTMlFNYWdKb3FXUm9ydXVwTk1ON0xNMVlSTUEwY2l0TlprbHd6TzY4cDdDS0lkdVBHaU5oSXlDaFd1WU…

Google News Fri, 03 Jul 2026

Analysts Offer Insights on Financial Companies: Wells Fargo (WFC) and Oceanfirst Financial (OCFC) - The Globe and Mail

<a href="https://news.google.com/rss/articles/CBMihwJBVV95cUxOeXlsaUVDRUNjVTZRWkNuY0Z0NFhnZUxONXRMLTdwX19vOVd0QXVmY05ibXdGUWNMQjRvVVc1X0FMbDMtSldSR3N2dHByX1JsOXVDbUNiRUNzMTNXb1FhZW9RVFFtTnFBd2lMc09VWU1aaG1LQ3B6b2pFVDJkeG5GWUtYVmJENUVKNjJtVz…

Google News Mon, 02 Feb 2026

OceanFirst Financial Corp (OCFC) Stock Price Today & Analysis - Gotrade

<a href="https://news.google.com/rss/articles/CBMiV0FVX3lxTE51dnRnVHloSVVGUjFnRVF4LXZDOUJpVExETjlTc01PZUtsbVlkT2RJZlByUkJUYmdVdzFJZ1hFYkYzOWs5UFBNMldrQkNLdFh6dkZ1RUI4dw?oc=5" target="_blank">OceanFirst Financial Corp (OCFC) Stock Price Toda…

OCFC — Frequently Asked Questions

What is the current share price of OceanFirst Financial Corp. (OCFC)?

As of 2026-07-14 21:23 PDT, OceanFirst Financial Corp. (OCFC) trades at $19.26 on NasdaqGS. Its 52-week range is $15.65 to $19.97.

What is the market capitalisation of OCFC?

OceanFirst Financial Corp. (OCFC) has a market capitalisation of $1.11B on NasdaqGS.

What is the P/E ratio of OCFC?

OCFC trades at a trailing price-to-earnings (P/E) ratio of 16.32. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 0.64.

Does OCFC pay a dividend?

OceanFirst Financial Corp. (OCFC) currently offers a dividend yield of 4.30%.

What is the return on equity (ROE) of OCFC?

OCFC has a return on equity (ROE) of 4.15%.

Is OCFC a good stock to buy?

This page provides a data-driven analysis of OceanFirst Financial Corp. (OCFC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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