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OceanFirst Financial Corp.

OCFC Financial Banks Regional

OceanFirst Financial Corp.’s revenue for fiscal 2025 (year ended December 2025) was $687.2 million, down 0.75% from fiscal 2024.

Revenue
+32.2%
EPS
−114.3%
Free cash flow
+27.1%
Total debt
+102.4%

Quarter to June 2026, against a year earlier

18.20 0.14 −0.76%
Market cap
$1.8B
P/E
21.6×
Fwd P/E
16.6×
Dividend yield
3.26%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.28
Sold, $m 4.51
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — 2 1
Sell — — — — — — — — 3 — — —
Insider Ownership 0.00%

Capital & Financial Ratios $m

Size
Market Cap 1,840.00
Revenue ttm 750.88
Net income ttm 47.96
Free cash flow ttm 113.77
Net debt Q 2,064.41
Valuation
P/E 21.62
Forward P/E 16.60
Price / sales 1.72
Forward P/S Powerpack
Price / FCF 11.35
Price / book 0.54
Financial health
Current ratio Q 0.92
Debt / equity Q 0.97
Interest coverage Q —
Growth
Revenue growth Q +32.21% (above 0%: growing)
Operating income growth Q +61.57% (above 0%: growing)
EPS, this year +26.87% (at or above 15%: strong)
EPS, next year A +24.33% (at or above 15%: strong)
Revenue, next year A −12.54% (below 0%: weak)
EPS, past 5 yrs +2.78%
EPS, next 5 yrs A +19.56% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 83.72%
10-year low 10-year high
P/S against its own 10 years 28.71%
10-year low 10-year high
P/B against its own 10 years 5.94%
10-year low 10-year high

Dividends

Yield
3.26%
Annual rate
0.60
Payout ratio
70.6%
Growth, 2018–26
+3.24%/yr
  1. 0.62 ’18
  2. 0.68 ’19 +10
  3. 0.68 ’20 +0
  4. 1.12 ’21 +64
  5. 0.74 ’22 −34
  6. 0.80 ’23 +8
  7. 0.80 ’24 +0
  8. 0.80 ’25 +0
  9. 0.80 ’26 +0
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 154 124 135 274
Receivables — — — —
Inventory — — — —
Other — — — —
10,347 10,246 11,161 16,452
2023 2024 2025 Q'26
Payables 10,435 10,066 10,964 17,760
ST’ Debt — — — —
Other — — — —
10,508 10,127 11,019 17,821

Compound Annual Growth %

10y 5y 3y
Sales 20.98% 8.66% 11.91%
Cash Flow 11.90% (8.05%) (29.65%)
Earnings 12.69% 1.86% (22.21%)
Book Value 21.43% 2.30% 1.60%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.40 Actual 0.48

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.39 0.41 Beat by 0.02
Q1 FY26 0.39 0.43 Beat by 0.04
Q2 FY26 0.42 0.43 Beat by 0.01
Q3 FY26 0.40 0.48 Beat by 0.08
Q4 FY26 0.50 — Reports 28 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.36 (0.04) — — —
’25 0.35 0.28 0.30 0.23 1.17
’24 0.47 0.40 0.42 0.36 1.65
’23 0.46 0.45 0.33 0.46 1.70
’22 0.42 0.47 0.64 0.89 2.42
’21 0.53 0.49 0.39 0.37 1.78
’20 0.27 0.31 (0.10) 0.54 1.02
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 175 220 — — —
’25 165 167 174 181 687
’24 174 170 176 172 692
’23 141 159 169 172 642
’22 100 107 126 158 490
’21 106 95 95 98 394
’20 112 107 101 133 454
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 25 36 — — —
’25 (2) 29 24 36 87
’24 46 24 (22) 45 92
’23 24 72 55 (27) 124
’22 58 69 84 40 250
’21 37 102 (20) 41 160
’20 64 18 46 5 133
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 23 35 — — —
’25 (4) 28 22 33 80
’24 45 23 (23) 43 88
’23 22 69 53 (28) 117
’22 50 71 70 39 230
’21 32 95 (34) 25 118
’20 62 16 41 (1) 118
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 154 216 311 351 454 394 490 642 692 687 751 +18.1% 601 748 784 +4.5%
Gross margin, % 91.44 90.92 88.39 84.95 85.30 90.67 89.05 62.87 55.49 58.93 58.89 (32.5) pt
EBT 35 65 86 107 81 142 194 137 131 93 64 +11.3%
EBT margin, % 22.88 30.26 27.45 30.59 17.87 36.10 39.55 21.32 18.87 13.46 8.51 (9.4) pt
Net income 23 42 72 89 63 110 147 104 100 71 48 +13.3%
Per share, $
Per share, $ Revenue 6.66 6.72 6.66 7.00 7.57 6.63 8.35 10.88 11.88 11.97 10.69 +6.7%
Earnings 1.00 1.32 1.54 1.77 1.02 1.79 2.43 1.70 1.65 1.17 0.85 +1.8%
Cash flow 1.45 2.50 1.98 2.00 2.21 2.69 4.26 2.11 1.58 1.52 1.73 +0.5%
Capex (0.29) (1.52) (0.03) (0.05) (0.25) (0.71) (0.36) (0.13) (0.07) (0.13) (0.11) (8.2%)
Free cash flow 1.16 0.98 1.95 1.94 1.97 1.99 3.91 1.98 1.51 1.38 1.62 +2.0%
Book value 24.77 18.74 22.22 22.99 24.77 25.53 27.00 28.19 29.21 28.95 34.33 +1.8%
Shares, m 23 32 47 50 60 59 59 59 58 57 60 +10.7%
Valuation, ×
Valuation, × P/E 30.24 19.98 14.91 14.43 18.26 12.40 8.86 10.32 10.97 15.47 21.62 15.6
P/S 4.49 3.95 3.38 3.65 2.46 3.35 2.58 1.61 1.52 1.50 1.72 2.9
P/B 1.21 1.42 1.01 1.11 0.75 0.87 0.80 0.62 0.62 0.62 0.54 0.9
EV/Sales 4.62 5.09 4.80 5.10 0.21 3.46 5.15 3.04 3.21 3.74 — 3.8
EV/FCF 26.58 34.99 16.41 18.36 0.82 11.56 11.00 16.72 25.27 32.31 — 19.4
Cash, $m
Cash, $m Operating cash flow 33 80 93 100 133 160 250 124 92 87 122 +11.2%
Capex (7) (49) (1) (3) (15) (42) (21) (8) (4) (8) (8) +1.6%
Free cash flow 27 31 91 98 118 118 230 117 88 80 114 +12.9%
Balance, $m
Balance, $m Working capital (139) (333) (157) (51) (498) (1,031) 338 (161) 119 142 (1,369) n/m
Net debt 20 247 442 509 (1,019) 44 1,260 914 1,170 1,539 2,064 +62.3%
Shareholders’ equity 572 602 1,039 1,153 1,484 1,517 1,585 1,662 1,703 1,663 2,411 +12.6%
Returns, %
Returns, % ROA 0.59 0.80 1.11 1.12 0.62 0.91 1.15 0.75 0.71 0.48 0.26 (0.1) pt
ROIC 5.47 5.42 4.74 4.43 13.04 5.76 4.32 3.32 2.88 2.11 1.77 (3.4) pt
ROE 5.69 7.24 8.77 8.08 4.64 7.07 9.19 6.16 5.71 3.99 2.36 (1.7) pt
People
People Employees 797 684 892 924 987 917 939 899 1,007 954 — +2.0%
Revenue/emp, $m 0.19 0.32 0.35 0.38 0.46 0.43 0.52 0.71 0.69 0.72 — +15.8%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

OceanFirst Financial Corp. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BLX Bladex Inc. $2.3B 8.1× 7.6× +12.12% (above 0%: growing) +13.49% (above 0%: growing) −117.11% (below 0%: shrinking) 42.29% 0.00% Compare
CHCO City Holding Company $2.0B 15.5× 15.2× +1.16% (above 0%: growing) +1.24% (above 0%: growing) −0.06% (below 0%: shrinking) 80.74% 0.00% Compare
TBBK The Bancorp, Inc. $2.0B 8.4× 7.8× −18.88% (below 0%: shrinking) +28.59% (above 0%: growing) −31.16% (below 0%: shrinking) 100.00% 0.00% Compare
GABC German American Bancorp, Inc. $1.9B 13.3× 12.4× +3.05% (above 0%: growing) +21.43% (above 0%: growing) +110.42% (above 0%: growing) 78.75% 0.00% Compare
HAPN Happen Inc. $1.9B 8.9× 8.2× +2.52% (above 0%: growing) +31.59% (above 0%: growing) +10.37% (above 0%: growing) 73.43% 0.00% Compare
DCOM Dime Community Bancshares, Inc. $1.9B 13.8× 12.4× +5.20% (above 0%: growing) +52.54% (above 0%: growing) +106.33% (above 0%: growing) 68.53% 0.00% Compare
OCFC OceanFirst Financial Corp. $1.8B 21.6× 16.6× +32.21% (above 0%: growing) n/m +27.08% (above 0%: growing) 59.64% 0.00%
FSUN FirstSun Capital Bancorp $1.8B 19.8× 19.8× +88.18% (above 0%: growing) n/m +8,383.96% (above 0%: growing) 67.96% 0.00% Compare
STBA S&T Bancorp, Inc. $1.8B 12.8× 12.3× +0.71% (above 0%: growing) +19.78% (above 0%: growing) −0.50% (below 0%: shrinking) 73.62% 0.00% Compare
Median of peers $1.9B 13.1× 12.4× +2.79% +21.43% +5.16% 73.53% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 27 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 3.12m 2.80m 103.87
2024 3.05m 3.08m 109.42
2023 2.93m 1.78m 85.77
2022 3.06m 2.30m 99.15
2021 3.16m 3.90m 123.13

Ownership

Directors and executive officers, together 5.40%
Wellington Management Group LLP 5.70%
Dimensional Fund Advisors LP 5.40%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

OceanFirst Financial Corp. (OCFC) Latest News

30 Oct

Impact 3 · · Simply Wall St.

28 Oct

Impact 4 · · The Motley Fool transcript
Impact 4 · · MarketBeat transcript
Impact 4 · · Moby
Impact 3 · · Associated Press

27 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · StockStory earnings

26 Oct

Impact 3 · · StockStory

21 Oct

Impact 3 · · Zacks

20 Oct

Impact 3 · · Zacks

6 Oct

Impact 3 · · StockStory

28 Sep

Impact 3 ·

23 Sep

Impact 4 · · Simply Wall St.

7 Aug

Impact 3 · · The Motley Fool transcript

4 Aug

Impact 4 ·

31 Jul

Impact 4 ·
Impact 3 · · MarketBeat transcript
Impact 3 · · Moby transcript

30 Jul

Impact 3 ·

29 Jun

Impact 3 ·

24 Jun

Impact 3 · · StockStory

8 Jun

Impact 4 · · GlobeNewswire

1 Jun

Impact 5 · · GlobeNewswire

31 May

Impact 4 · · MarketBeat

12 May

Impact 3 · · StockStory

5 May

Impact 3 · · Simply Wall St.

28 Apr

Impact 4 · · The Motley Fool

27 Apr

Impact 4 · · MarketBeat
Impact 4 · · ACCESS Newswire
stockrow.com/OCFC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com