OceanFirst Financial Corp. OCFC R2K

Financial Services · Banks - Regional · United States

https://www.oceanfirst.com

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.

Market & Price

Market Cap

$1.08B

Current Price

$18.79

High / Low (52W)

$19.97 / $15.65

Beta

0.98

Valuation

Stock P/E

15.92

Industry PE

12.01

Forward P/E

7.91

PEG Ratio

1.15

Book Value

$28.98

Price to Book

0.65

P/S

2.73

EV/EBITDA

Dividend Yield

4.26%

Profitability & Returns

ROCE

ROE

4.15%

ROA

0.50%

Profit Margin

17.64%

Op Margin

35.23%

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

3.32%

Chg in Prom Hold

FII / Inst Holding

91.26%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$2.46B

Total Revenue (TTM)

$396.64M

EBITDA

Free Cash Flow

Operating Cash Flow

$114.21M

Shares Outstanding

57.60M

Gross Margin

0.00%

Payout Ratio

67.80%

Growth (CAGR)

Revenue 5Y

-2.47%

Profit 5Y

-21.48%

Revenue (YoY)

8.50%

Earnings (YoY)

2.70%

PROS

Attractive dividend yield of 4.26%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Revenue declined at -2.5% CAGR over 5 years.
Earnings shrank at -21.5% CAGR over 5 years.

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

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	OCFC OceanFirst Financial Corp. R2K	18.79	15.92	$1.08B	4.26%	-	4.15%	-2.47%	-21.48%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	96.73M	98.21M	101.79M	103.60M	102.10M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	67.05M	67.19M	71.54M	76.45M	71.84M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	28.27M	24.86M	22.54M	16.85M	27.05M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6.81M	5.77M	5.16M	3.75M	6.55M
Net Income	4.70M	5.23M	4.21M	3.66M	9.13M	6.05M	12.02M	7.68M	12.82M	9.96M	5.43M	15.70M	24.07M	26.73M	21.17M	18.98M	24.97M	23.45M	16.53M	18.64M	-4.93M	33.06M	32.70M	30.55M	24.17M	25.76M	28.96M	38.61M	27.88M	27.80M	20.67M	28.67M	24.37M	-	-	21.51M	19.05M	17.33M	13.09M	20.51M
Diluted EPS	0.28	0.31	0.25	0.16	0.35	0.22	0.36	0.23	0.39	0.30	0.12	0.32	0.50	0.55	0.42	0.37	0.49	0.47	0.27	0.31	-0.10	0.54	0.53	0.49	0.39	0.42	0.47	0.64	0.46	0.45	0.33	0.47	0.40	-	-	0.35	0.28	0.30	0.23	0.36

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	431.60M	398.71M	379.81M	400.34M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	53.70M	238.24M	308.14M	282.23M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	193.92M	136.76M	130.66M	92.52M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	46.56M	32.70M	30.27M	21.49M
Net Income	15.65M	20.38M	20.74M	20.02M	16.33M	19.92M	20.32M	23.05M	42.47M	71.93M	88.57M	63.31M	-	146.60M	104.03M	100.06M	70.98M
Diluted EPS	0.98	1.12	1.14	1.12	0.95	1.19	1.21	0.98	1.28	1.51	1.75	1.02	-	2.42	1.70	1.65	1.17

Compounded Sales Growth

5 Years:	-2.47%
1 Year:	8.50%

Compounded Profit Growth

5 Years:	-21.48%
1 Year:	2.70%

Stock Price Performance

1 Year:	+16.88%
6 Months:	+1.18%
3 Months:	+5.14%
1 Month:	-0.48%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	2.25B	2.30B	2.27B	2.25B	2.36B	2.59B	5.17B	5.42B	7.52B	8.25B	11.45B	-	13.10B	13.54B	13.42B	14.56B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	18.48M	23.02M	31.45M	77.53M	62.54M	-	-	-	-	-	-	-	-	-	167.95M	153.72M	123.61M	135.13M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	44.70M	51.87M	45.91M	49.01M
Total Liabilities	-	-	2.05B	2.09B	2.05B	2.04B	2.14B	2.35B	4.60B	4.81B	6.48B	7.09B	9.96B	-	11.52B	11.88B	11.72B	12.90B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	235.47M	-	1.41B	973.40M	1.20B	1.58B
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.41B	974.82M	1.20B	1.58B
Total Equity	119.78M	183.54M	201.25M	216.85M	219.79M	214.35M	218.26M	238.45M	571.90M	601.94M	1.04B	1.15B	1.48B	-	1.58B	1.66B	1.70B	1.66B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	61.88M	62.18M	62.67M	62.94M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	16.83M	39.94M	17.55M	30.89M	35.46M	27.58M	28.33M	33.42M	80.13M	92.55M	100.25M	132.66M	-	250.45M	124.26M	92.24M	87.21M
Investing Cash Flow	-120.72M	-256.74M	-3.41M	7.24M	-31.42M	-111.37M	-95.07M	271.70M	-455.22M	48.55M	-172.12M	-22.17M	-	-1.32B	-488.00M	106.40M	-1.18B
Financing Cash Flow	108.44M	225.24M	31.93M	-53.11M	-32.62M	85.95M	74.57M	-47.70M	183.33M	-128.39M	82.77M	1.07B	-	1.01B	349.47M	-228.75M	1.10B
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	-	-20.90M	-7.71M	-7.57M	-7.70M
Free Cash Flow	14.09M	37.38M	15.32M	28.29M	31.18M	23.61M	24.44M	26.75M	31.43M	81.06M	95.17M	117.93M	-	229.55M	116.55M	84.68M	79.51M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-56.80M	-14.27M	-30.10M	11.52M
Share Buybacks	-	-	2.15M	11.90M	8.11M	9.18M	6.46M	1.88M	0	10.84M	26.07M	14.81M	36.06M	7.40M	0	21.48M	24.91M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	34.0%	26.1%	26.3%	17.7%
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%	-	9.3%	6.3%	5.9%	4.3%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

3.32%

Institutions

91.26%

Public Float

94.39%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	11.69%	6.73M	$126.52M
2	Dimensional Fund Advisors LP	5.92%	3.41M	$64.06M
3	State Street Corporation	5.00%	2.88M	$54.16M
4	Wellington Management Group, LLP	4.51%	2.60M	$48.77M
5	Vanguard Capital Management LLC	4.21%	2.43M	$45.61M
6	T. Rowe Price Investment Management, Inc.	3.78%	2.18M	$40.90M
7	Invesco Ltd.	3.47%	2.00M	$37.51M
8	Two Sigma Investments, LP	2.73%	1.57M	$29.55M
9	Geode Capital Management, LLC	2.45%	1.41M	$26.49M
10	Systematic Financial Management, L.P.	2.40%	1.38M	$26.00M

Analyst View

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Latest News

Recent headlines for OCFC

Federal Reserve Press Releases Fri, 24 Apr 2026

Federal Reserve Board announces approval of application by OceanFirst Financial Corp.

OCFC · Financial Services